davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my dissatisfaction regarding fraudulent accounts on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account : XXXX  ) , ( Account : XXXX  ) and XXXX XXXX ( Account : XXXX  ) were opened without my consent, causing financial and emotional distress.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

I got a call from Chase asking me to confirm a transaction from XXXX to Chase. They called a rep from XXXX and confirmed my account. Then the Chase rep left the line without warning and left me alone with the XXXX rep. I tried to call them back but they had called me from an outbound only number. I tried to log into online banking and found out my online banking was locked AGAIN. They've locked me many times in the past month each time for something very minor. Unlocking the account requires hours on the phone on hold, and sometimes visiting branches in person.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

WELLS FARGO HOME MORTGAGE XXXX XXXX 2021, Open/Never Late. Comment section : COMPLETED INVESTIGATION OF FCRA DISPUTE - CONSUMER DISAGREES. This caused my credit report to drop 5 points. I did not initiate a FCRA dispute. False information.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I did sent letters out certified over 60 days ago and have yet to receive any type of notification. As a consumer i feel like these clowns are not taking me serious and taking advantage of me.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, Well, I believe a big mistake happened and I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

XXXX had a major security breach and I want to be sure to have them investigated. 
Thank you on behalf of the 143 million Americans affected by this blatant attempt at hiding the truth from the very consumers it holds hostage. 
They should be out of business. There are no do-overs here. They need to pay every single American and put the executives in prison.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13. 

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

On XXXX XXXX, I lost my Exxon Mobile Gas Card. When I attempted to report it lost each time it stated that the office was closed and would not open again until Monday, XX/XX/2021. But the notice on line states that it is open until XXXX XXXX EST and open on the weekends. 
My card was lost while I was on vacation and there is no way to let them know. There is no emergency number available. 
Presently there is only a {$15.00} charge on the card.
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

THIS IS A CONSISTENT PROBLEM THAT I 'M CONTINUING TO HAVE. ON XXXX AND XXXX, MY BANK ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY A COMPANY CALLED XXXX. I NEVER RECIEVED THE MERCHANDISED I PURCHASED AND I FILED A DISPUTE WITH MY BANK FOR THE CHARGES. AND I WAS CREDITED BACK THE XXXX ON XXXX. I RECIEVED A LETTER FROM NY BANK STATING THAT ON XXXX, THE XXXX WILL BE DEBITED BACK FROM MY ACCOUNT AND THE CREDIT WILL BE REVERSED. THIS IS UNACCEPTABLE AND I WANT AN INVESTIGATION INTO THE MATTER. I SHOULD NOT BE PENALIZED FOR MERCHANDISE I NEVER RECIEVED. THIS IS VERY DISTURBING AND I 'VE HAD PEOBLEMS WITH BANK OF AMERICA BEFORE REGARDING ISSUES LIKE THIS BEFORE.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Attached you will find screenshots of 15usc1681a I need all inquiries deleted permanently from my reports as well as any closed accounts and information that is not updated on all XXXX bureaus the same way This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX And any other information that goes against the consumer me
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (TX)

I am completely debt free. These calls are unwanted spam. It happens daily. Most often, they hang up right after I respond. I have called back and searched for the phone number on my browser to find the people responsible. I have blocked many numbers but still they call from another number. 
The perpetrators are : The Northstar Companies XXXX XXXX XXXX XXXX, NY XXXX p : XXXX / XXXX f : XXXX Im frustrated and tired of being harassed. This has to stop. Its unfathomable that in the year 2020, businesses are still permitted to operate this way. Shut these XXXX XXXX down.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AZ)

Care Credit service continues to send billing statements and emails to me on a debt I do owe. The Arizona State Attorney General reviewed the false charges and sent a letter of decision in my favor. Information was sent to Care Credit and Synchrony Bank who has the account. I have tried several times to get this resolved with XXXX XXXX  and Synchrony Bank and they continue to harass me with this false account. It was for a set of dentures from a dentist, I never received the partial denture and do not want it. I cancelled the order with the dentist and Care Credit will not honor that request.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Credit Karma (MD)

Credit Karma is an incredibly shady company. XXXX already has a near monopoly on the tax filing business for regular filers and they they insert this financial services arm into it. They say that they are trying to get you your money faster so you start to sign up, only to realize by " get your money '' they mean they are creating a card account by which they hold your money and probably use it for other investments. 

That in itself is very unethical. But before I fell into that trap i went back and went with a normal direct deposit. But at the end of the whole process they sent me to a Credit Karma page which said they were still sending me a card. 

I looked all over the website for how to cancel that card and cancel the account with no luck. So i went on their help chat. The first person handed me off to a second person who handed me off to a third person who they said would email me. 

It should not be this hard to cancel an account i was tricked into signing up for only minutes beforehand. And XXXX should not be able to leverage their tax filer access to build a credit card business using tax payer refunds.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (WI)

XX/XX/2021 Freedom Mortgage reported to the credit bureau that we were delinquent on our XXXX payment. We made our XXXX payment by sending in 2 separate payments in XXXX. In XXXX we decided to refinance with another company. I had already sent in one payment towards XXXX payment which they reported they received on XX/XX/XXXX. We did a stop payment on the 2nd payment that was sent in on the XXXX of XXXX. I then called on XX/XX/XXXX to have our first XXXX payment refunded because we found out wed be closing on our new loan in XXXX and wouldnt need to make the XXXX payment. A few days later we received the refund. I received a letter in the mail stating we were late for XXXX and so I inquired. I looked into my account and noticed instead of them refunding my XX/XX/XXXX payment, they refunded my XX/XX/XXXX payment causing their system to make it look like we hadnt paid our XXXX mortgage. This resulted in a late fee and then requiring us to pay for XXXX, which had already been paid. I contacted Freedom mortgage on XX/XX/XXXX to dispute this action because we had done everything correct. I sat arguing on the phone with someone for 2 hours trying to explain how they had done everything wrong on their end until I finally asked for a supervisor. The supervisor, XXXX XXXX asked that we send in proof of payments, which I sent to her via email on XX/XX/XXXX. I have yet to hear anything back on a resolution. I have emailed 4 times for an update. Our loan was paid off on XX/XX/XXXX yet shows us as late on XXXX payment. I am beyond frustrated with this company and just want things cleared up!
Consumer complaint received 2020-12-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America, it is quite unbelievable given the novel coronavirus virus that makes it impossible for we who are senior citizens of advancing years with serous medical problems to work anymore, has denied our request to lower monthly car loan payments to {$500.00} at whatever interest rate the Bank of America choses! 

I call this brutally cruel on the part of the Bank of America. 

We called the telephone number provided by the Bank of America to discuss further our request. The Bank of America has not five days later returned our telephone call!
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

Yes l applied for credit reason and was sent a denial letter based on 38- serious delinquency and public record or collection filed 10-ratio of balance bank revolving or other rev accts to high 18- numbers of account with delinquency 14- length of time accounts have been established while l don't have anything that should state that l have anything on the public record and if l do it should have been move a long time ago l tried to call to speak to a live person but are not able to get anyone as they are so fast to get you denied but can't answer the phone as the letter stated to contact them the number l been calling is XXXX the recording doesn't give you the chance to speak to a live person
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

XX/XX/XXXX E-Mail XXXX Case # number XXXX XXXX I have a Tenet that ran up a {$1100.00} cable TV bill Including equipment and early termination fees with XXXX and the service was disconnected. Later I found out that XXXX would not turn the service back at that address until that debt was paid. 
Over the telephone XXXX XXXX ( XXXX collection agency ) and I agreed to a settlement of {$700.00} for this {$1100.00} debt and we agreed that I would be getting a proper confirmation letter in the mail within XXXX days. 
Settlement date XX/XX/XXXX At that time XXXX XXXX ( XXXX collection agency ) told me that they would be mailing me a confirmation letter in the mail confirming the transaction. 
I called them back one week later XX/XX/XXXX because I did not receive it. They said that they would mail it to me and it should not take longer then a week and I still have not received anything. 
This transaction was a reduced settlement amount agreed by myself and the collection agency for a debt my tenant had for a cable TV and Internet service that tenant failed to make payments for. The reason why I paid it was XXXX would not start a new service at the address unless the debt was paid. 
Being that it was a reduced settlement for the debt owed, I need a proper invoice with account number so XXXX does not come back to me for the balance, and for record-keeping purposes for my tenet. This invoice must indicate names and account numbers so that if the time came XXXX can identify it. 

Around XX/XX/XXXX I disputed the charge with Citibank Requesting that either I get my invoice for the {$700.00} I paid them or Refund my money. On XX/XX/XXXX Citibank informed me that the charge could not be refunded and to contact XXXX to get my invoice for the {$700.00} I repeatedly requested from them and did not get.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (WI)

Chase Bank reported a delinquent business credit card on my personal credit report in XX/XX/XXXX. The information was removed after a disputed claim was made with the credit reporting agencys, and is now reappearing.
Consumer complaint received 2020-12-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (MO)

My inquiry deals with a suspectedpredatoryloan I got through Santander Consumer USA ( financer ) and XXXX XXXX ( dealership ) in XX/XX/XXXX. I have a 72 month contract financed at 21.04 % for a XXXX XXXX XXXX. I'd roughly pay {$760.00} per month. My father co-signed the loan with me, I traded in a car that was being financed through XXXX that the dealer ( XXXX XXXX ) said they would pay off ( not true in the slightestsince the balance owed was added to my contract ) and I receiveda rebate of {$4000.00} since they were making room for newer models. 
At contract signing, principal was {$30000.00} and at present principal is {$23000.00}. To date, I've made {$25000.00} worth of payments includingmiscellaneousfees. Only {$7000.00} of that has been applied towards principal. My father filed for bankruptcy earlier this year and since then, I have been denied access to my loan account by Santander, the loan has been removed from my credit profiles along with payment history by Santander and my account is ineligible for assistance due to the co-signer filing for bankruptcy.A class action lawsuit was settled by Santander in XX/XX/XXXX and it alleges Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. I fall into this demographic but Missouri was not apart of the 34 state AGs that brought on the suit.
Consumer complaint received 2021-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

JP Morgan Chase Mortgage obtained my banking information from my current mortgage servicer without my permission and used the information to withdrawal funds from my account without my express permission. To be clear, Chase Mortgage took funds WITHOUT my permission or knowledge. 

At present the funds have not been returned to my account.
Consumer complaint received 2020-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

Unauthorized charges XX/XX/XXXX {$160.00} XXXX  XX/XX/XXXX {$180.00} XXXX Both charges at XXXX when the store was CLOSED!! 

Disputed charges with Venmo they decided against my favor. 

They gave me a temp credit that day. 
And now saying they will take away the credit on XX/XX/XXXX. 

I had the card in my position. Cancelled and alerted Venmo with in 4 hours of email notification of charges. 
Signed affidavit of fraud and sent notarized to Venmo.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I XXXX XXXX XXXX lost my wallet approximately by XXXX in XXXX XXXX CA. Since then, i have a lot of issues every year to fight against different fraud activities under my identity. The one of the last one is open under my name as a fraud account " Sears/cbna '' on XX/XX/XXXX with account number # XXXX with balance due {$850.00} Dollars. I never apply, i never received, i never used it and i didn't know about this account until appear under my name as a " charge off " account. I try to fight and fix this issues but, they advise me to report this account and sent a copy to the credit card bureau.
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (OH)

On XX/XX/XXXX I co signed on a XXXX XXXX XXXX  with Santander USA. I am sitting at a 20.9 % interest rate on a XXXX $ vehicle totally to once loan is paid off to XXXX $ I have reached out to the company 5 times now to get a name removal as well as copy of my contract and they will NOT send it to me. I need the contract to present to my lawyer to remove my name from the loan. I feel as if they are withholding information as I signed my name on an extremely predatory loan that the vehicle wont even last through the total months financed