davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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: AMERICAN EXPRESS COMPANY (SC)

I have contacted the credit bureaus about inquiries on my report that I do not recognize and after not receiving any response I contacted the creditors to verify the inquires on my report. 
I contacted the credit bureaus more than 2 months ago and it has been 30 days since contacting the creditors in which I sent certified mail that I have the receipts for. I still have not received a response.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mountain Land Collections, Inc. (UT)

Mountain Land Collections is reporting a debt on my credit file that is not mine. They are reporting a hospital visit dated for a time where I was not able to be there. At the time of said visit I was actually incrassated, while I was incrassated someone stole my identity and used it for this medical visit. I have filed a police report, # XXXX with the XXXX police department. This is not my debt, I do not owe this debt, and I demand this debt be removed from my credit file. It is not mine.
Consumer complaint received 2024-02-22
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Referencing Complaint ID # XXXX. 

On XX/XX/XXXX, I received a letter response from XXXX ( XXXX. XXXX Branch, Capital One ) informing me that the above complaint had been closed and urging me to reach out to her directly if I had any questions or additional information. It was clear from the letter that XXXX had not fully understood the nature of the problem or the preferred resolution and had closed the case based on this bad understanding of the issue. This has been the only contact I have had with XXXX. There is no other avenue for me to provide additional details. 

Since receiving her response, I have called her almost every day and have not been able to get in touch with her. I also called the XXXX. XXXX  office on two different occasions ( XX/XX/XXXX and XXXX ). On XX/XX/XXXX, I was told XXXX would call me within 48 hours and a manager was copied. On XXXX, I was told XXXX would reach out to me shortly and that a manager was also contacted. To date, XXXX has still not contacted me. She has ignored every voicemail I have left for her and ignored last week 's urgent inquiry from the XXXX XXXX  office. I have a case manager at XXXX Bank who is ready to speak with a Capital One representative about this to further resolve the issue. Please contact me immediately so that I can have my issue ( ongoing since XXXX ) resolved. As a result of this issue, I currently have a loss of {$800.00}.
Consumer complaint received 2020-06-23
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2018-06-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (CA)

GC Services uses the following tactic : They have been contacted with a complaint that has been filed against you and that they are getting ready to send the paperwork to you through the XXXX XXXX County courthouse. They have also left several messages threatening to serve me with ppwk. at my workplace and if I am not available they will need to get a signature from the upmost authority at my job and expose my business to the managers because they will need their verification that they are at the right place.

The most recent one is : they sent me a text that contained all my sensitive personal information. I have never given this company permission to text me and I don't think it's legal to text personal information. They don't know if it's the right number. That could of landed in the hands of someone that could of easily used my information negatively. They texted my ss #, dob, and my name.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

Primary Problem : I attempted to send {$10000.00} from my Chase account to my husband 's XXXX Savings Account. XXXX  declined this transaction and Chase has not returned the {$10000.00} six week later. 

Original Money Sent Date : XXXX, XXXX, 2021 Steps Taken with Banks Initially Contacted Chase Phone Support Said They Could Not Do Anything Then called XXXX - They explained they had declined the transaction because it was coming from a bank account which was not under my husband 's name and that the money had never been received by them. 
Went into local Chase Branch Branch Manager initially thought it was a mistake but was still helpful, after a week seemed to realize it was a real issue. She suggested her back office was working on it.

-- Multiple weeks later the branch Manager has now said she can not do anything and has escalated it to Chase 's executive branch division. She seemed perplexed by the problem and apologized suggesting that it was in corporate Chase 's hands now. 

I still have not heard from this group and thus have turned to you for aid. 

I have all the transaction numbers and will share with you if contacted.
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MD)

On XX/XX/2018, XXXX XXXX informed me that my monthly payment for my Revised Pay As You Earn plan had increased from {$270.00} to {$510.00}. To date, I have not received any explanation as to why my payments almost doubled. I am in the same repayment plan and my salary has not exponentially increased. When I called XXXX XXXX and requested an explanation about how the payments were calculated, I was not provided with an explanation. I have also sent them an email requesting an explanation, but I have not received a response. I am now wondering whether any outstanding interest was capitalized at the time of my recertification ( even though I timely recertified ), causing an improper increase of my monthly payment amount. I also requested a lower payment, because I can not afford to pay almost double what I had been previously paying, but I was advised that {$510.00} is the lowest payment available to me at this time ( without seeking a forbearance, in which I am not interested ).
Consumer complaint received 2020-11-13
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. (VA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2018, I was checking my American Express offers in their website. It said a {$150.00} dollar statement credit after {$1000.00} dollars purchase before 90 days. I started the application and then I realized that I may not be eligible for the bonus offer. So I did not finished the application. The next day I've got a call from a AMEX marketer saying why I did not finish my application and I told him about the bonus. He told me that I was indeed eliglbe for the bonus, so I finished the application.

Now I've compain about it and the told me that I was not eligible regardless of what the rep told me. I asked for the recording and it were denied.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

Good afternoon, This complaint is against XXXX XXXX and the way they are handling electronic payments.

I paid my card the last thee times as followed : XX/XX/XXXX {$50.00}, XX/XX/XXXX {$280.00} and XX/XX/XXXX {$360.00}, total {$690.00}, I make my payments electronically and they leave my bank account the day after I make them, today is XX/XX/XXXX and they have not yet make my payments available to me, I have had that credit card for at least 4 years with a clean record, I have never missed a payment nor bounced one. This is a very unfair and deceptive way of conducting business and it is not in the client 's best interest.
Consumer complaint received 2018-06-22
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

I did not authorize XXXX XXXX to pull my credit for you, the creditor. I request you to provide me THE AUTHORIZATION that I signed for XXXX XXXX to pull my credit. This case is related to CFPB # XXXX
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. (FL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account NumberXXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA XXXX. XXXX REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA XXXX. XXXX. Take care of this immediately.
Consumer complaint received 2020-11-12
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. (FL)

I sent Experian my dispute with report number XXXX on XX/XX/2020which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth? 

If this information can not be provided I request this accounts to be removed from my report due to my original dispute of inaccuracies reported on the accounts mentioned in this report.
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Chase is providing conflicting information when attempting to address delinquent mortgage loan, which appears to be violation of California 's Homeowner Bill of Rights, the Dodd-Frank Wall Street Reform and the Consumer Protection Act XX/XX/XXXX -Chase re-scheduled the foreclosure sale to XX/XX/XXXX per XXXX XXXX at XXXX ext. XXXX *same phone number as " XXXX '', note there's an extension this time -but XXXX didn't provide extension. 

XX/XX/XXXX -Chase confirms they received the Request for Mortgage Assistance ( RMA ) application per XXXX XXXX , Relationship Manager ( SPOC ), at XXXX ( no extension ). 

XX/XX/XXXX -Chase states the loan was sold at a foreclosure sale per XXXX XXXX , their Executive Director, at XXXX *same phone number as Customer Support. 

XX/XX/XXXX -Chase " re-scheduled '' foreclosure sale date to XX/XX/XXXX and mentions client is not under any " payment assistance review '' per their Home Lending Executive Office at XXXX *unclear if payment assistance review refers to RMA, at which point the statement is incorrect per XX/XX/XXXX confirmation, or if there's additional programs available, which homeowner has not been advised about. The letter mentioned XXXX, yet it appears they didn't keep each other updated per alarming and concerning updates. 

XX/XX/XXXX -Chase requested evidence of transfer of ownership by XX/XX/XXXX per their Customer Support Team at XXXX *same phone number as Executive Director.
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP (OH)

There were fraudulent charges on my debit card XX/XX/2020, I disputed them with my bank. But Key Bank tried to blame my boyfriend, when I found out the truth they were not interested. They weren't interested in investigating the people who did this, neither were the police. I want them prosecuted.
Consumer complaint received 2018-06-22
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. (PA)

The issue I take is with the company Experian.

I have filed 4 disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about an account that is not mine. I have called the credit card company that the account with my name is under ... They have no record of me as a customer. I have filed 4 reports all to get this incorrect card/info removed from my credit report and 4 times now Experian has not removed the incorrect information.

Furthermore, I tried calling Experian directly but they're phone service does not accept my SSN or any button inputs. Have tried from numerous phones and encounter the same problem.

Absolutely abhorrent service and company.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (PA)

I made a purchase in XXXX for {$720.00}. The order says it was delivered but it was not. A claim was filed with XXXX and XXXX determined the item was not delivered to me. The claim was approved claim # XXXX. The claim was paid to the seller on XX/XX/XXXX. The seller will not return my money so I filed a claim with Santander Bank. I provided a letter from XXXX XXXX XXXX that states the the claim was investigated and the claim was paid directly to the seller. I explained this to Santander Bank but because the seller provided them with the tracking information showing it was delivered they denied my claim. I explained that is why we opened the claim with XXXX  because it does show delivered however it was not delivered to me. That is why XXXX approved the claim and paid the seller. Now the seller has the {$720.00} that I originally paid and they have the {$720.00} that XXXX paid them.
Consumer complaint received 2021-02-20
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: Bridgecrest Acceptance Corporation (OH)

I filled a dispute awhile ago in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK ( Original Creditor : XXXXXXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MD)

I was never notified of derogatory reporting on my credit report from Target Financial. I was never informed from Target Financial of the lateness reported on my XXXX credit report for XX/XX/2017 and XXXX XXXX XXXX. I was never informed that the status was updated to discharged in bankruptcy. These are violations of FCRA 623 ( a ) ( 7 ) ( G ) ( i ). Im seeking {$3000.00} in damages, removal of the account from XXXX and XXXX, and an agreement of no re-insertion to any credit bureau.