davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. ()

This company reported an account from XXXX on XX/XX/2018 in the amount of {$490.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. The company repeatedly called me at my workplace as well. This was not done 5 days after reporting it to the Credit reporting agencies.
Consumer complaint received 2020-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

A collections account appeared in my credit file for all three credit bureaus from Midwest Recovery Systems. XX/XX/2020. 
I had never received any communication regarding the alleged debt and I am unfamiliar with the balance and original creditor that is listed inconsistently with the three credit bureaus. Midwest Recovery Systems also listed inconsistent contact information for their agency. A debt validation letter was sent certified with receipt required to the collection agency less than 30 days from its appearance in my credit file and now more then 60 days later I have not received any communication from Midwest Recovery Systems to validate the alleged debt. During the 30 day alloted validation period Midwest Recovery Systems continue to report negative information. I suspect the account to be fraudulent.
Consumer complaint received 2021-03-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In XXXX and XXXX XXXX we were charged with over {$5000.00} for items from XXXX we did not purchase. We called XXXX and gave them the order numbers supplied by Bank of AmericaXXXX XXXX Credit Card. XXXX had no record of us purchasing these items plus we have never used the BOA credit card for XXXX purchases. We have a XXXX bank credit card for XXXX purchases. 

We filed a complaint with BOA and they absolved us of the charges in a letter dated XXXX XXXX XXXX But then on XXXX XXXX, XXXX BOA sent us letters and put the charges back on our account, We then reopened the fraud claim and they have denied it. We requested proof that the purchases were delivered. BOA refused, We don't not what else to do.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (VA)

American Express overcharged me interest from XX/XX/2019 to the present, going up twice in cost, which ultimately doubled my finance charges. 

I called them today to find out why, and after speaking with 4 different people, no one could say. So, now someone is supposed to call me back. They did lower my interest rate one step below, but did not offer to pay me back the interest that I have been overcharged. 

It was a real joke when " XXXX '' said that well, it is based on prime/libor rates. I told her I was in finance myself and rates have gone down the last 2 years, not up ... so that isn't going to fly with me! 

Very disappointed in what I thought was such a fine company.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (UT)

Citi card double cash provides cash back, this cash back can be applied as a statement credit. The issue is when you apply your cash back as a statement credit it also reduces the amount owed. However they amount showing as outstanding is wrong. What they don't tell you is that you have to pay the amount owed prior to statement credit. So our account showed a balance of say {$2000.00} we applied a {$500.00} statement credit and the amount due was {$1500.00}. When I'm actually we needed to pay the {$2000.00} in order to avoid interest charges. No where does it tell you this, if you call in, look online, or check the app they all will tell you that you're new amount due is the lower amount. So when we paid that amount they charged us interest for the total amount due. When we asked about how we were supposed to know that we had to pay the higher amount nobody could explain or show us anything. The reality of the program is that the statement credit applied only to the current statement not the statement that is due.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have called and made several attempts for XXXX to remove these multiple closed accounts off my report, and have been told there is nothing they can do. I only went to school two semesters. These people are showing on my credit as a closed loan 8 different times.
Consumer complaint received 2018-06-24
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: Navient Solutions, LLC. (AZ)

So I'm in the same boat has many students that attending XXXX XXXX XXXX that defrauded and victimized students that went to the school and now closed. Along with navinet is where my issue starts so I'm in a program with the the DofE thats is going to get my federal loans discharged because of the XXXX XXXX fraud but I have no degree now and why am I still obilgated to pay navient priviate loans back when I have nothing to show for I am.going to get a lawyer for this I feel I should not have to pay anything back when I have no degree now that did not helpe.get my job navient predtory calls people into paying the money back but why am going to pay a company back money when navient is being investigated by the SEC and sued. Navient just reported late payment on my credit report and I feel that that is wrong when I have no degree so I will be disputing the late.payment on my report
Consumer complaint received 2021-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

I submitted A dispute with experian on XX/XX/XXXX. I disputed several items. I just received a notification that my dispute is complete. But when I checked it it appears that experian only disputed one item. I demand that they investigate all the items on my letter because its their job! According to the fair credit reporting act they have 30 days to investigate. They failed to do so and I demand that all the items be removed as soon as possible.
Consumer complaint received 2018-06-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. ()

Attached is additional evidence showing how SallieMae and Navient systematically and illegally failed me at every stage of repayment of this loan. In XX/XX/XXXX, SallieMae refused to process a deferment, eventhough MUL was title IV eligible. On XX/XX/XXXX, Navient contradicted SallieMae. See attachment. In XX/XX/XXXX, I had to pay SallieMae {$50.00} to process a forbearance because my deferment request was rejected by SallieMae. MUL was Title IV eligible. No wonder how this loan increased from {$40000.00} to nearly {$80000.00} and interest rate is at the maximum. Now my CFPB complaint must have upset Navient and SallieMae. On XX/XX/XXXX, I paid the forbearance fee. Navient still did not approve my request to delay the repayments. 

Navient responded on XX/XX/XXXX, as followed : " Thank you for reaching out to the CFPB with your concerns regarding your student loan account. Navient currently services your Private XXXX XXXX Student Loan. We would like to note that as a Private Student Loan company, FSA does not have jurisdiction over the processing of an In-School Deferment on your loan. Your school, The XXXXXXXX XXXX XXXX XXXXXXXX, became Title IV ineligible on XX/XX/XXXX. A requirement for the processing of the In-School Deferment on private loans is that the school the student is attending must maintain Title IV eligibility. ''
Consumer complaint received 2018-06-24
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: EQUIFAX, INC. (NY)

Looking over my credit file, On XX/XX/2018 there was a hard inquiry put onto my account. I did not authorize said inquiry with the company XXXX. This is fraud. I called the company a few months back they said they would remove It. I looked today XX/XX/2018 and it Is still on my file.
Consumer complaint received 2020-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back in XX/XX/2020 I file disputes with all 3 bureaus I have yet to receive anything from any of them. I know the law says they must reply within 30 days it has been alot more then 30 days more like 90 days. Please tell me why this is taking so long?
Consumer complaint received 2021-03-02
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. (TX)

Re ; Unauthorized hard inquiries on EXPERIAN I have a concern with several unauthorized hard inquiries reporting unfairly. Experian received my 2nd unauthorized hard inquiries on XX/XX/XXXX at XXXX XXXX  via usps certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. 

Experian has not even initiated an investigation, this is my 2nd attempt to EXPERIAN. 
I demand they investigate these unauthorized hard inquiries and send me results. 

The following unauthorized hard inquiries need to be investigated and deleted immediately per FCRA federal law 604. 

Creditor : XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX Please comply with my request
Consumer complaint received 2018-06-24
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: EQUIFAX, INC. (NY)

I was just made aware a hard inquiry was made on XX/XX/2018 was made to XXXX XXXX.  This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.
Consumer complaint received 2018-06-24
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: PNC Bank N.A. (IA)

Pnc Bank has an account listed on my credit report with all three bureaus that is not mine. The account number is XXXX. I have disputed this since XX/XX/2017with a total of 8 letters to the credit agencies and two letters to Pnc Bank. I have also had several phone calls with XXXX XXXX at Pnc Bank in regards to the issue. This account is NOT MINE! This account also has many innacuracies reporting such as my address, name spelling, not charging account off at 180 days as per the law states and date reported to fall off so how has this been verified as MINE? XXXX at Pnc has not and can not provide the original signed contract with my signature on it so how has this been verified? I have also just received yet again all three agencies disputes that came back verified with Pnc Bank but XXXX was not done investigating this. How has this been verified yet again and was claimed to be clarified before but Pnc Bank doent have that record? Pnc Bank again has also not charged this person 's account off at the 180 days per law. They do not know the date of first delinquency nor do the credit agencies.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I was nearly XXXX in a XXXX XXXX XX/XX/2018. During recovery in the hospital I failed to in sure the funds in my bank of America account were sufficient. While all my deposits went to my XXXX XXXX checking account, all of my withdrawals came out of my Bank of America checking account. Bank of America charge nearly {$500.00} in overdraft fees, and agreed to waive {$140.00} of those fees due to my incident accident. At that time I transferred {$1500.00} to cover all late payments and fees. Bank of America immediately with Drew the farthest from my XXXX XXXX checking account, But they held nearly the entire transfer ( pending ) for seven full days leaving me no access to the funds whatsoever causing exponentially higher fees from every single credit card I have on a daily basis as they re-tried/allowed retrial withdrawal and reversal the payment over and over charging {$35.00} overdraft fees to my checking account each time as well as a {$25.00} return payment fee to the credit card requesting the withdrawal. This math equals : {$35.00} + {$25.00} x 6 credit cards x 6 withdrawal attempts each within 1 week. This occurred after spending 4 hours on the phone with multiple levels of Bank of America supervisors is trying to solve the issue. My former complaint was over around {$260.00}. I know Im complaining over nearly {$1000.00} in overdraft fees charged after Bank of America America knew the full details of the severity of my near XXXX XXXX and the lenght, XXXX, and medical cost of that rehabilitation. A representative from Bank of America left me a voicemail on my cell phone around XXXX XXXX, and asked me to call him back at a extension number which I now realize was fake. Their social media department also sent me two separate links asking me to provide personal information, these links were both also fake. I assume this is an attempt by Bank of America to create fake evidence that they have attempted to resolve this with me. They have done absolutely nothing of the sort. I have spent nearly 72 talking hours on the phone with every financial institution Im connected to trying to solve this issue, which I have the funds to solve, but Bank of America has completely lost their mind with their automated theft machine that governs their customers checking accounts.
Consumer complaint received 2022-04-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO. (NC)

I have a previous line of credit for a federal credit loan and was sent to the wrong address to process the payment and was pick up as collateral from an uninsured work and arbitrated the account from reconsidering the expense.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CIT BANK, NATIONAL ASSOCIATION (TX)

I had opened XXXX XXXX account with CFPB with a promotion. Deposit $ XXXX or more ( within XXXX weeks ) and get {$150.00} as cash bonus. I fullfilled all their conditions but CIT bank keep on changing their terms and conditions for this reward. 
Even when I got the cash back bonus, CIT bank is giving me hard time not to withdraw the remaining balance. 
In this tough time, CIT bank is doing every possible thing to block my money. 
I have been communicating with them via secure email for more than 2 months.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I was travelling to XXXX XXXX since my mother was sick and used the Chase Sapphire credit card to make the purchase from a web site called XXXX and the corresponding Airline was XXXX. I have multiple travel credit cards and used the Chase Sapphire card since I saw peace of mind benefits as per the attched doc from the chase web site. Unfortunately my trip got interrupted since I had covid and I had to reschedule the flight from XX/XX/XXXX to XX/XX/XXXX and XXXX  XXXX  and XXXX  charged me extra {$750.00} to reschedule the flight eventhough it is covid related and never received the peace of mind that Chase advertise as per the attached doc and it was misleading. Also this flight lasted over 30 hours and didnt give me a better connections either and I was very unhappy with the layover I had in XXXX  over 6 hours. 

When I tried to file an online dispute from the Chase web site I got the popup below and called Chase customer service and to my dismay they are not willing to help me. 

Important : Important information regarding COVID-19 for disputes If your dispute is related to travel, we recommend that you start with your travel provider because many airlines and hotels are being flexible about impacted areas. If they can't help, submit a dispute online and we'll work with you to try and find you a solution.
Consumer complaint received 2018-06-24
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. (NY)

I was just made aware a hard inquiry was made on XX/XX/2018 was made to XXXX XXXX. This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2020, i was at the gym when my Capital one bank card was declined. I tried to log into my account and was unable to do so. I then went to one of capital one branch locations and i was told the account was closed and they ended the relationship with me. I then called the bank regarding my funds in the account, I was told it will be mailed to me. I tried several times since then and as of now XX/XX/2020, I was told they can no longer help me and can not transfer me to their headquarters or their supervisor. I am no longer permitted to speak to anyone at the bank I have been with capital one for over 10 years and even have credit cards with them. I have {$2900.00} total ending balance. 
I have kids to feed, and i haven't been able to keep up with payments. I run XXXX XXXX XXXX to keep above water, this amount might be small to others, but to us is a lot. Its bad enough with all that is going on now, this fund can go a long way for my kids and i. 
PLEASE HELP US
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MN)

XXXX could you please provide me a copy of proof from your e Oscar system on what date and year and month that you in fact entered the the dispute mark on account XXXX and XXXX I have asked you for this information in the last investigation and you refused to send me factual proof! That you in fact follow FDCPA RegulationsSince you refused to send me any physical documents this information is unverifiable due to the fact that the dispute are not showing on any of the three credit bureaus. I have all three bureaus open up an investigation the law requires you to enter this information Failure to do so will result in violation of the FDCPA please send me physical proof or delete this account Experian XXXX XXXX  If you could as well provide me a copy of the month date and year and the time that XXXX claim that they entered the information chase with your reckless and Negligence on reporting is unexpected. Remove these two violations immediately
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (OH)

I have multiple accounts on my credit ( all three credit bureau 's ) report that do not belong to me, I have tried many times to get this corrected directly with the companies, but have had no luck doing so. I have the details that report to my credit and that is it, I have listed below. 

Accounts XXXX ) XXXX XXXX XXXX Account number # XXXX opened XX/XX/XXXX Balance {$5500.00} XXXX ) XXXX  XXXX Account # XXXX Amount {$4300.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX Amount {$1300.00} opened XX/XX/XXXX I ALSO HAVE AN INCORRECT PAYMNT HISTORY TO THE ACCOUNT BELOW, THIS ACCOUNT IS MINE BUT I WAS NEVER LATE. I DID DO A PAYMNT DEFERRAL WHEN COVID FIRST HAPPENED XX/XX/XXXX AND I WAS ADVISED THAT THE PAYMNT WOULD NOT EFFECT MY CREDIT AND IT WOULD BE PUSHED BACK UNTIL THE END OF THE LOAN. COMPANY INFO BELOW AND ALL LATES THEY HAVE REPORTED AND THEY ARE ALL WRONG Account Name XXXX XXXX Account # XXXX Opened XX/XX/XXXX limit {$20000.00} Balance {$12000.00} They have reported my late on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXXThis is all wrong and should not be reporting this way~