davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
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. (MD)

I filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

While you may not be successful in convincing a debt collection agency to comply with a pay for delete request, it cant hurt to try. However, its important to wait for written confirmation that a collection agency has accepted your offer before you proceed with payment.
Consumer complaint received 2022-08-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Grain Technology, Inc. (AL)

Applied for a line of credit with this company. Was approved pending payment of a {$250.00} deposit. The account sat open but the actual line of credit was never released so that I would have access to it. I decided it wasn't worth the effort so I closed the account and requested that my deposit be returned. For over a month, I heard nothing from this company. So I filed a complaint with the XXXX. Once they received that complaint, I got an email stating that the system no longer had my back account information and they needed that information in order to return my deposit. Additionally, they stated that they were short staffed and that is why it has been taking quite some time to respond. I responded to that email with the requested information and to-date, I have not heard back from this company and that was over a month ago. I've sent several emails asking for a refund and I do not hear back from them. I would like to have my {$250.00} refunded.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I have filed multiple disputes with the Bureaus and with XXXX XXXX directly with no response. I have a few collections reporting on my credit file that i was not notified about. I paid them as soon as i realized the accounts were being reported. I need these account removed from my credit file. They were reported violating my 30 day right to dispute and i no longer owe the debt. I haven't owed the debt for a while no and would like the accounts removed from my credit file.
Consumer complaint received 2020-05-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETED all information which can not be verified Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF VETERANS XXXX Account Number : XXXX Please resolve this issue as soon as possible, thank you
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credence Resource Management, LLC (GA)

XX/XX/XXXX I got XXXX  credit report in mail. CREDENCE RESOURCE MANAGEMENT was on my credit stating I owed {$1500.00} for XXXX  bill back in XXXX I called to ask why didnt I receive any notification of this. They acted as if they could not understand me it sounded like the lady was XXXX. The lady told me they could sue me in court and collect more. I asked if they knew about the CARES ACT and by law they could not put on the account that this account in question was opened XXXX!! It was a 6-8 year old account. And I was affected by the CARESACT. CREDENCE RESOURCE XXXX XXXX XXXX has caused me great stress and I am a XXXX veteran and take medication for XXXX XXXX XXXX. This has also caused my credit to go down 52 points!! They are breaking the law
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (TX)

Cash not dispensed from ATM but amount debited from bank account On the morning of XX/XX/2018 around XXXX am I went to a Chase Bank ATM machine to make a withdrawal. I inserted my debit card into the ATM slot, punched my XXXX digit PIN, the ATM make a fluttering sound but no money came out of it. A few minutes later I checked my bank account and saw the ATM transaction for {$600.00} debited from my bank account. I filed a claim with the bank, and Chase refunded the {$600.00} to my account the same business day. Later on in the day, I decided to go into the bank to make a cash withdrawal with a bank teller for {$610.00}. On XX/XX/2018, Chase bank withdrew {$600.00} from my bank account and reversed my claim by denying it. The claim department told me that they checked the data and found no proof of error or malfunctioning with the ATM machine. Chase bank claim department also stated that per their records, the transaction was successful. I asked the claims department if they viewed the ATM surveillance cameras and they told me no.
Consumer complaint received 2016-11-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (CO)

XXXX agreed to settle the alleged debt in arbitration two years ago. Now, Stellar has come along and is attempting to collect the debt that was settled with XXXX. 

Stellar is # XXXX for most complaints, and really should be investigated and fined.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Hello, I am XXXX and spend within my means. I pay off my credit card each billing cycle so as to avoid fees. I just put a large payment for my son 's orthodontic work on my credit card before the COVID shelter in place started and I am not able to work ( I am a XXXX. ) I went to the bank to ask what my fees would be if I didn't pay my bill, and in XXXX it would have been close to {$200.00}, and in XXXX, it would have been $ 600+ because of when the payments were made to the dentist. 

The credit card companies are waving their late fees which sounds so generous, until you realize that the interest rate is gong to be hundreds, while my late fee is only {$39.00}. When I asked my bank why they aren't doing something about the interest rates during COVID, the teller said they weren't in charge of that. Well, who is? And why isn't the government stepping in to regulate this? 

I have money saved, and fortunately, will be able to make the monthly payments for the time being. I am still outraged by this circumstance, however. Think of all the people who are not as fortunate as I. To waive a late fee but continue to charge 18 to 29 % interest during a world-wide crisis seems mercenary, and should have someone leading the way to change this dynamic. Please insist the banks institute a mandatory lower interest rate for anyone who should need it.
Consumer complaint received 2018-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

Since XX/XX/XXXX, we have been working to pay off several ( 15 ) direct loans serviced through Navient XXXX. Each month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) we have called them to discuss how we would like our loan payments to be allocated across the loans. We have faxed ( XX/XX/XXXX ) and discussed over the phone exactly how we would like our payments to be allocated ( see attached letter ). We have also requested an itemized receipt of each month 's payment, which we have still not received. Navient has yet to comply with any of our requests and continues to misallocate our payments across the loans to benefit their company. Instead of deducting excess payment to the principal of the loans with the highest interest rates, as we have written and verbally requested, they continue to misuse our payments toward the principal of the loans with the lowest interest rate. Additionally, despite the fact that our required payment every month is less than the total interest that accrues each month, they are allocating the bill in such a way that we would be paying on the principal of the lowest interest rate loans instead of distributing the bill across the interest on all the loans or, in the case that some principal must be paid off each payment cycle, to the loans with the highest interest rate. In XXXX, XXXX, and now XXXX each different person we spoke with on the phone submitted a work order to " fix '' the issue ( s ) of that month. We have yet to receive any confirmation that the XXXX and XXXX work orders were completed, and since we are still seeing errors in how we want our payments allocated, the work orders appear to not be enough to solve things. The XXXX work order was submitted today, so we will have to see if this one resolves any of our issues with payment allocation.
Consumer complaint received 2022-09-13
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. (GA)

I am submitting this CFPB Complaint today to follow up the previous CFPB complaint I submitted last XX/XX/XXXX. I have read that under the Fair Credit reporting Act section 650b, The Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft and that the items I dispute were the results of such crime. The disputed accounts and information were opened without my knowledge. The fraudulent items include the following : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed items were verified and belong under my name, I request that the Credit Bureaus send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims.
Consumer complaint received 2020-07-20
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. (LA)

I have contact XXXXXXXX XXXX, XXXX and Transunion concerning incorrect payment history reporting by XXXXXXXX XXXX  to my credit bureau and it is still not correct. I have been dealing with this situation since XX/XX/2020, and my family and I are missing out of buying a house and qualifying for certain programs because of the negative impact on my credit scores. I have documentation to prove my payment history, but it seems as if the information is being either kept from XXXXXXXX XXXX  or isn't even being considered when it comes to the correction of the items and the dispute process. Not to mention the carelessness of XXXXXXXX XXXX and their attempts to sweep their mistakes under the rug. I am fed up and I am considering legal action.
Consumer complaint received 2020-07-20
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. (AL)

Contacted Experian, XXXX, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-07-20
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. (MO)

My identity has been compromised from the lost of my wallet. I've also been a victim of the XXXX  breach as well as victimized by the dark web. Therefore, I'm demanding that the following unknown and unauthorized accounts be removed and blocked from my credit file. The accounts are listed below. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  {$450.00} 3 ) XXXXXXXX XXXX XXXX {$790.00} 4 ) XXXX  XXXX XXXX {$240.00} 5 ) XXXX XXXX XXXX {$780.00} 6 ) XXXX XXXXXXXX XXXX 7 ) XXXX XXXX {$120.00} 8 )  XXXX XXXX XXXXs {$780.00} 10 ) XXXX XXXX  XXXX {$780.00} 11 )  XXXX XXXX XXXXXXXX {$790.00} 11 ) XXXXXXXX XXXX XXXXXXXX {$920.00} 12 ) XXXX XXXX {$180.00} 13 ) XXXX XXXX {$180.00} 14 ) XXXX XXXX {$560.00}
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

I had XXXX ( XXXX ) credit cards with TJ Max, XXXX was already closed in XXXX, and the XXXX card I opened in XXXX. I made regular online payments since it was originally opened it. However, when I called in XXXX of XXXX to get balance and payoff information on my current account XXXX, the representative from TJ Max gave me the wrong account information and stated that my balance was XXXX and that my account was closed. Since TJ Max confirmed I had a XXXX balance, I stopped making payments as of XXXX. However, I actually had {$35.00}. Recently, I received a credit card statement for XXXX and there was a balance of {$130.00} on it. I was very confused and concerned. So I immediately called them and paid it off. In addition, I asked what this was and was told these are late fees. I stated that I called in months back and that the TJ Max representative told me that my account had a XXXX balance. Right after I requested to speak to the manager. She gave me the run around and neglected to understand my situation and denied that it was a result of TJ Max 's representative. I repeatedly explained that this situation occurred because a past TJ Max 's rep did not provide me accurate account information of my account in XXXX. And to realize now, that my account actually only had a balance of {$35.00}, I am very upset that TJ Max has caused this matter. If I was provided with the correct information, I definitely would have paid it off immediately and would not allow the late fees to triple to a balance of {$130.00}. She was not listening nor empathetic and claimed that this happens all the time with other consumers. In other hand, she does n't believe nor wants to help me in any way. She also stated that this happens all the time, and that people do n't want to pay their account. From this reaction, I take it that she is categorizing me without knowing who I really am and does not care nor want to help with this matter. This was truly disappointing and frustrating since the negligence is because of TJ Max 's representative, and not myself. I truly believe that TJ Max 's is at fault since they provided me with the wrong information and lead me to believe my account balance was at XXXX. Also, TJ Max has penalized me with 3 months of late charges, and is trying to damage my credit. I am certain they are reporting to the credit bureau about this late payments situation. Overall, I truly believe this is very unfair and unjust business practice of TJ Max. TJ Max is very greedy, since they made {$100.00} off of late fees from me. Please assist and let me know what my options are.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (OH)

Applied in XX/XX/XXXX with existing mortgage company NewRez for rate/term, was told XX/XX/XXXX that it was clear to close. no calls no responses to inquiries until mend of XX/XX/XXXX. Final CD never sent for review. When CD was sent it was incorrect. Processing manager reached out for clear to close call and to set up closing. NO final CD sent, closing was no call no show. No one at lender responded to any emails or calls. Closing was supposed to be for first week in XX/XX/XXXX. Closing agent from title company calls on XX/XX/XXXX out of now where and says they will be there to close. No final CD has been given to me in advance, at least not one that resembled what was told to me, and no advance notice on closing. When speaking to lender on XX/XX/XXXX and title agent, based on their recommendation we rescheduled closing for XX/XX/XXXX so i can " skip '' a couple payments instead of paying an entire month of per diem interest ( or so it was sold to me this way ). XX/XX/XXXX roles around and no call no show again. When I get Operations and Sales Manager involved, come to find out I am now back in underwriting AGAIN because of a credit pull and supposed collection ( which was also on the original report ) again. Literally sat on the file for a week and waited until 10 minutes before closing to tell me this. The practices of this lender have resulted in numerous TRID violations, not to mention the appearance of multiple unfair, deceptive, and abusive practices. I would have to imagine this treatment is not reserved for only me, but others are experiencing it too. In addition to the above, no one could give me a correct LE or CD based on what I was told i advance and once they actually did they cancelled closing. It appears not only are they trying to waive the lender credits and rate promised to me, they are actively working to discourage this application for some reason.
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (LA)

I have contact XXXX XXXX, Experian and XXXX concerning incorrect payment history reporting by XXXX XXXX to my credit bureau and it is still not correct. I have been dealing with this situation since XX/XX/2020, and my family and I are missing out of buying a house and qualifying for certain programs because of the negative impact on my credit scores. I have documentation to prove my payment history, but it seems as if the information is being either kept from XXXX XXXX or isn't even being considered when it comes to the correction of the items and the dispute process. Not to mention the carelessness of XXXX XXXX and their attempts to sweep their mistakes under the rug. I am fed up and I am considering legal action.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (TX)

Venmo closed my debit card and said " Were writing to inform you that we've detected some activity on your account that appears to be in violation of our User Agreement. Engaging in this activity is high risk and may leave you or others vulnerable to fraudulent payments and scams, both of which can lead to financial loss. Because safety is our priority, we have made a business decision to close your Venmo Debit Card. '' I don't believe I even used the debit card so I don't know what activity violated anything in the agreement. I have not received any information from Venmo about this sudden closure.