davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My wife and I bought a home and had the mortgage threw XXXX XXXX. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that XXXX continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and XXXX XXXX directly multiple times and have been ignored every time.
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I was laid off from my job in XXXX of 2016. I spoke to Capital One about my layoff to seek a hardship assistance program in XXXX of 2016 after unemployment ran out and I no longer had any money to make regular payments. Capital One told me that Unemployment is not a hardship and that I was not eligible for any payment reduction or hardship program, the also told me I could n't make a payment for less than the minimum amount they said was due. It did n't occur to me until now to file this complaint until I remembered that this agency even exists.
Consumer complaint received 2018-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

I tried to open an HSBC Advance Checking account on XX/XX/18. I was declined. I think I failed the Auth Interview questions. I tried multiple times to contact HSBC and see what could be done toverify my identity ( i.e. send in SS card and Driver 's License ). I was told to call my local branch, so I called the XXXX, DE branch who said they can't do anything to open the account with the same terms ( {$350.00} reward ) for opening it online. I am looking for someone competent at HSBC to assist me with opening this account and honoring the {$350.00} reward if I deposit {$10000.00} within 30 calendar days.
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 belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
My current address is XXXX XXXX XXXX, XXXX, IL XXXX pleased delete the following address they are not mine : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX my current and ONLY NUMBER IS ( XXXX ) XXXX I have never even had the following phone numbers please delete remove : ( 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 2018-06-20
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: SYNCHRONY FINANCIAL (MI)

AS OF XX/XX/2018, I'VE BEEN TRYING TO REPAIR MY CREDIT REPORT FOR ALL THREE CREDIT BUREAU. I GOT A HARD INQUIRY FOR A COMPANY I DON'T KNOW ANYTHING ABOUT. I NEVER APPLIED FOR A CREDIT CARD OR ANYTHING WITH THE AIRLINES. THE COMPANY IS CALLED XXXX/XXXX XXXX XXXX/XXXX.
Consumer complaint received 2018-06-23
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. (AR)

On XX/XX/2018 Your Transunion received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX  # XXXX, # .3XXXX XXXX XXXX # XXXX, 4. XXXX XXXX XXXX  # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX XXXX # XXXX, 8.XXXX XXXX # XXXX, 9. XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, 11.XXXX XXXX XXXX  # XXXX . Also account listed as XXXX XXXX XXXX  # XXXX, late payment dispute was never verified with proper 100 % accurate verification. 
More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.
Consumer complaint received 2018-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (LA)

To put this in a nutshell on XX/XX/2018 I was charged two insufficient funds of {$34.00} each by Chase bank! I have three accounts that are co existent together ... .I had over {$29000.00} in one account and over {$2000.00} in another account! Why is Chase Bank so Greedy for money when in fact they are already making money and Good Money on a daily basis with the money that is sitting there in the other account ... .I made a mistake of not transferring some money over and they refuse to give me my credit for the NSF ! I feel like I have been violated and abused by this mammoth of a company that has no practical sense or do they care about there loyal customers!
Consumer complaint received 2015-06-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I payed off my car loan through Ally Auto on Saturday XXXX XXXX. The payoff amount was taken out of my account on XXXX XXXX 2015. I called on Wednesday XXXX XXXX to see when I can expect my lien release. The response was 10 days for the money to clear ( although my car loan account listed XXXX balance and the pay off monies was taken out of my checking account ). I then explained that that was ok but at the 10 days I would need to have the lien release note as I sold the car and the buyer only has 14 days to get the title into her name. Ally then told me the paperwork would be mailed to me after the 10 days and it would take 5 to 7 business days. Again I discussed the unsatisfactory time frame. I was told I could request a fax copy after the 10 day money clear timeframe but the fax would then have a 48 hour hold on it after I request it. This hold happens over a weekend so in reality the title will still be over the 14 day mark set by the State of Michigan. I was not informed in my loan paperwork that this event would take up to 17 days to complete if I chose to sell my vehicle before the loan was payed off.
Consumer complaint received 2018-06-23
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: EQUIFAX, INC. (AR)

On XX/XX/2018 Equifax received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX  # XXXX, # .3XXXX XXXX XXXX  XXXX XXXX, 4. XXXX XXXX XXXX  # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX  XXXX # XXXX, 8.XXXX XXXX  # XXXX, 9. XXXX XXXX # XXXX Also account listed as XXXX XXXX XXXX  # XXXX, late payment dispute was never verified with proper 100 % accurate verification. 
More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.
Consumer complaint received 2018-06-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NRA Group, LLC (PA)

I was contacted by the collection agency NRA regrading a debt they told me I had. The lady explained this was for an unpaid tax which made no sense to me since I am under the Military Spouce Residency Relief Act and my main residence is Florida so I do not have to pay any taxes. But she kept with the pushing and using the typical collections as to scare me and try to get me to pay something that made no sense. I spoke with my sister who has a career in collections/compliance and I allowed her to get information regarding this debt as I did not want to speak with the extremely rude and unprofessional individual, XXXX XXXX. My sister called NRA on XX/XX/2018 and gave my phone number to locate the account. She was quickly transfered to another department ( never verified who was on the phone ). Once transfered it was the same lady I had spoken to at an earlier time. My sister informed me she was rude and could have spoken in a different manner as far as professionalism. Not once during the 20 minute call did she ask is this was XXXX, or verify in any other way. The only information was that a women on the phone that had my number to locate the account in the office to get information on the account. My sister was able to obtain all of the information on the account and was in complete shock that they never verified. NOT EVEN MY NAME! At the end of the call she asked to be transfered to the manager and the agent said " are you trying to catch me in something '' and she stated to just transfer to the manager. The manager got on the line and started to speak on the account and then I informed the manager that the rep not once verified who was on the phone. She then realized that she ( the manager ) should verify and FINALLY asked if I was XXXX XXXX. NOPE she was not XXXX XXXX and told the manager that a CFPB and XXXX  complaint will be filed due to giving out all account information to a third party without verification.
Consumer complaint received 2017-08-23
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: JPMORGAN CHASE & CO. (CA)

In XXXX of 2016 I was offered an opportunity from Chase to try several products at no or little cost. I requested XXXX XXXX and XXXX XXXX. 
The address and phone number of these two companies is XXXX, FL XXXX XXXX I received one bottle each of these products for four months. I never used these products or opened the bottle. I was not aware that my credit card was charged for these items. 

In XXXX I called the companies and was able to get a refund for the two most  recent bottles shipped. However, the companies refused a refund for the preceding months, in spite of the fact that I offered to return the unopened bottles. 

In XXXX I called my Chase regarding this dispute. I am attaching a copy of the letter which fails to resolve my dispute satisfactorily.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (CA)

From XXXX XXXX, i got a credit alert regarding the recent charge on XXXX XXXX credit card. ( XXXX  works with experian ). i do not any XXXX credit card in US until now. 
i call XXXX for 3 times, they even do not have any of my data via SSN or name or DOB. 
i ask around my family member. they even do not have any credit card authorized to me until now. this is the reason i filed.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (WI)

Received a letter XX/XX/2021 from XXXX XXXX XXXX XXXX claiming I owe {$500.00} to PayPal and they are willing to take a settlement payment of {$370.00}. I contacted PayPal immediately and they confirmed I do not owe them any money, my account is in good standing and that this collection agency is attempting to collect a debt that is obviously not mine. I went to the website of this collection agency and did not feel comfortable calling the customer service phone number and I believe this is a scam and or someone trying to commit fraud. I contacted an attorney already as well as XXXX  and made them aware of this matter.
Consumer complaint received 2018-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (TN)

I opened an account with US Bank on XX/XX/XXXX. The account was abruptly closed by the bank, without notice, sometime between XX/XX/XXXX and XX/XX/XXXX. 

I was provided with no notice of the bank 's actions in a timely manner, and had to call the bank in order to receive an explanation. The explanation I was given was a reference to a clause in the banking agreement that stated that the bank could " close the account for any reason, or no reason at all. '' I find it abhorrent that a bank can take such a decision, without providing notice to a customer. I had already set up a direct deposit with my employer, who was going to make a payment in the next week. Had I had not been alerted to the account 's closure by my own enquiries, this could have caused a problem with my pay, affecting my ability to service bills and debts. 

The bank should reflect on its procedures and not subject customers, acting in good faith by depositing money with the institution, to this kind of treatment that can have damaging effects. In my case, I was a proactive customer who was minimally impacted but the bank and the regulators should be concerned by the potential damaging effects that this kind of bank behavior can have on its customers.
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: Experian Information Solutions Inc. (DE)

IN accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 


15 U.S.C. 1681 SECTION 602 A STATES I HA VE A 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.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX {$1200.00} Acct XXXX XXXX XXXX {$280.00} acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions
Consumer complaint received 2020-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

My debt was paid for by the hospital due to the financial hardship plan that I was approved for. I do not remember the exact date but the hospital XXXX medical approved me for it before they switched to XXXX hospital. Ive also went in and checked to see if this information was still correct and they said this should not be on my credit as well. I paid my sergeant bills as well so i do not know why this is stil on my credit report.
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

I applied for refinance with my existing lender Chase. They tricked me into paying {$500.00} deposit that they said will adjust at closing or will refund if denied the application request. Now they are saying they will not refund deposit not approve loan. I provided them all the papers in time. Since they had all the data as my current lender and knew that my rate will adjust to a much higher rate so they waited after 1 & 1/2 month kept asking me this and that papers and denied my loan day before my rate will adjust. Now I can't go to another lender in time without paying higher payment.They will also not refund my deposit ( {$500.00} ) that they tricked me into paying.Please help!

Lending consultant : XXXX XXXX | XXXX XXXX   Advisor | NMLS ID XXXX | XXXX XXXX | Chase | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX| Office : XXXX XXXX XXXX XXXX | Fax : XXXX | XXXX | XXXX XXXX | Lending Manager | NMLS ID XXXX | XXXX  | Office : XXXX
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was station in XXXX. I never lived in XXXX. I reported this to the credit bureau once before.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote a letter on XXXX XX/XX/XXXX to TransUnion Consumer Solutions,  XXXX  XXXX XXXX, XXXX, and the XXXX  Dispute Department. The disputed amount is {$11000.00}. Please send a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my balance history, send my payoff disclosures, send my complete payment history, and send my interest rate disclosures. Delete this account immediately if it is not 100 % accurate. 

I wrote a letter on XXXX XX/XX/XXXX to TransUnion Consumer Solutions, XXXX  XXXX XXXX, XXXX, and the XXXX   Dispute Department. The date last active for TransUnion is XXXX XX/XX/XXXX, XXXX is XXXX XX/XX/XXXX, and XXXX  shows XXXX XX/XX/XXXX. This account payment history shows that it is in a charge-off status and paid as agreed status at the same time starting in XX/XX/XXXX to current, this is a conflict. This account has been illegally re-age. This account has been re-aged. Delete this account immediately.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX {$1200.00} Acct XXXX XXXX XXXX {$280.00} acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Key 2 Recovery, Inc. (NY)

This company Key 2 Recovery has been calling me at work on a daily basis for weeks. I have told several of their collection agents that I can not receive any type of personal calls at work and instructed them to remove the number. They have refused and keep contacting me. On XX/XX/XXXX, I spoke to XXXX and instructed her to stop calling me at work and to remove the number. She said that she was removing my work number but on XX/XX/XXXX the calls resumed again and I was contacted by XXXX. I AGAIN told them again that I can not receive any types of personal calls at work and instructed them to remove the number. On XX/XX/XXXX, I was contacted once again by XXXX and told her empatically that I can not receive any types of personal calls at work and instructed them to remove the number once again. She instead wanted to dispute that I didn't want to pay a {$4200.00} debt from a college that I stopped attending in 1999. I told her that I did not even know know if the debt bellongs to me or if it's even valid and it's 20 years old and has not appeared on my credit report.I again repeated that I can not receive any types of personal calls at work and instructed them to remove the number and she continued debating about the debt and I hung up on her.