davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I have been a Chase Bank customer for many years and had a checking and pre-paid card with them. In 2014 I called Chase Bank to file a dispute on a fraudulent transaction on my pre-paid card and all my accounts were unexpectedly with no explanations. I reached a Chase representative in the overseas area, and that representative closed all my accounts without advising me that all my accounts were being closed or why, and placed a remark as " excessive claims/disputes '', which I was only notified after contacting Chase by phone. I never had excessive claims or disputes on any of my accounts. Today I contacted Chase Bank to determine how to correct this error and remove this remark, but got nothing accomplished.
Consumer complaint received 2020-12-04
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: BARCLAYS BANK DELAWARE (CT)

Originally, I was supposed to take a trip in XXXX that was booked and charged onto my Barclays credit card by XXXX XXXX through XXXX. Due to COVID, it was cancelled ( services not delivered ). Through a long and drawn out process, XXXX  finally agreed to refund me ( documentation attached ) for 4 tickets totaling {$1300.00}. I had filed a DOT complaint and a credit card complaint. XXXX  told me ( via XXXX ) that they couldnt process the refund with the credit card complaint ongoing, so I cancelled it ( documentation attached ). This was XX/XX/2020. 
When I never received the refund, I sent a certified letter to Barclays ( attached ) asking to reopen the complaint on XX/XX/2020. I called the day after it was received and verified everything was in the works. I was assured everything was being reviewed. When I heard nothing 63 days later, I called for am update. I then received this confusing letter saying I could be refunded because I authorized the charge ( attached ). When I called for an explanation, they told me that they can not refund me because the complaint had been closed in XXXX and could not be reopened. 
I had provided clear documentation that XXXX had agreed to a refund. XXXX  will not speak to me directly and says that theyll only speak to my booking agent, XXXX. In the complaint to Barclays, I attached several emails documenting that XXXX has attempted to follow up with XXXX to no avail. Dozens of attempts to XXXX  have been made by XXXX and myself on the phone and through email. 
Thank you for your help.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX XXXX, demand a full file disclosure in pursuant to 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S.Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify any valid claims of alleged debts in the name of the principal obligor.
Consumer complaint received 2020-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (NC)

I pay my mortgage through a recurring payment on my bank 's website. The mortgage is set to pay on the XX/XX/XXXX of each month. The paper check is sent to the bank on the XX/XX/XXXX every month. The payment is late if received after the XX/XX/XXXX. Twice this year I have contacted SunWest regarding cashing the check in a timely matter. Currently, they have a late fee applied to my account. I don't understand why the company is not processing my checks quickly using ACH.
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

On XX/XX/2020 I recieved a letter from Sequium Assests Solutuions About and alleged dedt of {$42.00} from XXXX XXXX. I Immediately I responded and requested that send any and all information on this alleged debt disputing the debt and sent the letter with a return receipt from the postal service on the same day XX/XX/2020 To sequim disputing the alleged debt, requesting all and any information proof of the alleged debt, the creditor, proof that they are licensed to collect debts in our state etc. At that point it is illegal for them to put a derogatory report on my credit because responed within 30 days and I have never heard of this debt and they did not give me any information etc. I have attached the requested letter that I sent to them. I also contacted them and was hung up on twice. I file a dispute with XXXX.
Consumer complaint received 2020-09-20
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. (OH)

I'm missing my complete on-time payment HISTORY FOR THE LAST 6 YEARS ON THIS ACOCUNT! 


ACCOUNT XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2020 I open a TD 60 Plus Checking account. 

On XX/XX/2020 I deposited {$250.00}. into the checking account. 

I received, via US Mail, a folder containing blanks check to be used with this account. 

In the latter part of XXXX, I continued to deposit into the account by visiting a local branch and submitting cash deposits totally approximately {$8000.00}. 

Starting on XX/XX/XXXX, I started writing checks against the TD 60 Plus Checking Account. 

On XX/XX/XXXX, I learned that my checks were being rejected. I learned about this through a separate bank account receiving checks written against the TD 60 Plus Checking Account. 

I physically went to the TD branch bank to inquire about the reason my checks were being rejected. Prior to this, I received no notice, via US mail, via email, or from TD bank employees at the bank when I was depositing into the account. 

I was told the account was closed. I was given no notice. I asked why the account was closed and I was told that they could not tell me. I still, to this day, do not know why this account was closed by TD Bank. 

A couple of days later I went to another TD branch collect my funds that were in the account. I was given a cashiers check for the full amount. 

I incurred returned check charges on the receiving bank and I am looking for restitution. I think punitive damages are also warranted due to their egregious behavior. And I want an explanation on why they unilaterally closed my account.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (VA)

On XX/XX/2021 I drove to my local PenFed Credit Union in XXXX, VA. There was met with the Assistant Manager and her trainee. I had discussed reopening my checking and savings account, Im which I was previously a member before. After, being told that a soft credit pull, would be needed. I agreed to only do this if indeed it was only a soft credit pull. Now, waiting for the Manager to reach a Supervisor to handle this request I was told that I needed to contact XXXX  to unfreeze my credit report. After returning to work I did exactly that and while not expecting to have my credit file compromised with an Hard Credit Pull. I was told once again by an PenFed employee over the phone now. That my account was all setup and only a Soft credit pull was done I have called several times to PenFed to ask that this inquiry be removed! However, it seems to be more difficult than I expect.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There is incorrect information on my reports with XXXX and TransUnion pertaining to date reported or status date on four accounts that were included in a Bankruptcy last year, XXXX XXXX. These dates are very important in calculating my credit score. The accounts in question, have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX XXXX My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving..When I disputed this information with XXXX, they were able to fix the errors internally, and my score improved significantly and immediately. The accounts with the incorrect information are XXXX XXXX, which reports XX/XX/XXXX, two separate XXXX XXXX accounts with date reported as XX/XX/XXXX, and XXXX XXXX XXXX which list date reported as recent as XX/XX/XXXX. All of which should have status date or date reported as XX/XX/XXXX, because that is the date the accounts took the derogatory status, not any time recently. I reached out to Companies to update this information with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates or date reported are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX. Filing this complaint is my last hope to get these errors fixed.
Consumer complaint received 2021-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc. (MA)

DEAR ACA OF BOSTON ; Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

To Whom It May Concern : I hope this email finds you in the best of health. My name is XXXX XXXX and the reason you are receiving this email is because of a dispute on how Santander Consumer USA is reporting a collection debt to XXXX, Acc # XXXX, {$16000.00}. 

This debt amount is inaccurate. The correct amount owed was {$2800.00}, Acc # XXXX which was settled and paid with Santander Consumer USA on XX/XX/2020. 

Santander Consumer USA already reported the correct amount with XXXX, but they are reporting it incorrectly with XXXX. 

As such, I would like this information to be reflected correctly and updated with XXXX and or removed from XXXX  because of the inaccurate reporting. 

Thanks
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (PA)

XXXX and Equifax are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I DID NOT GIVE my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

this is the 3 rd I have requested to have my Credit Freeze removed from my file My name is XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove any and ALL Blocks/Freeze from all my credit reports. 
XXXX XXXX SS XXXX I have attached my ID and SS card.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

There was a Home Depot Promotional offer put on my account that I was not aware of until the end of XXXX. Talking to customer service they told me that when you make a purchase over XXXX you get XXXX interest for 6 to 24 months which I was not aware of. Paying more than the minimum payment to help pay off my debt I was told that interest would be applied to my account in XX/XX/XXXX from the promotion that I was not aware of then they extended to XXXX XXXXi send extra monies and they did applied it to there promotion that I was not aware of until I called and ask them why the monies was not being applied to my account they tried to making adjustment but only did it for XXXX not XXXX.Started auto pay too off set the payments so i could get these promotion pay off and separate the monies i was sending to Home depot they take off auto payments and did the same thing again not applying the monies to the promotion. now i will be hit with a XXXX in interest on XX/XX/XXXX that i have already paid if the would of applied the extra monies to there promotion in XXXX and XXXX now they say they can not go back one year and make adjustments. I have all my statement showing the extra money being send.
Consumer complaint received 2020-04-18
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. (IL)

Experian continues to report the account XXXX XXXX  on my credit report for 4 different accounts when the original account is older than 7 years. The account is too old to be reported as it was first noted as delinquent in XXXX. The account was also included in a Chapter XXXX Bankruptcy in XXXX. As a result of the Bankruptcy and the age of the account it should not still be included in bankruptcy.
Consumer complaint received 2023-04-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC (MS)

American Credit Acceptance and I went into a contracted agreement for 72 months of an auto loan, They now say I still owe over {$9000.00}. I am not owing and they are still not applying monthly payments when they know I have paid them. Agents were instructed to note and apply payments to future monthly payments when I made double payments in the same months. For example, I paid XXXX XX/XX/XXXX, loan payments. One on XX/XX/XXXX for the month of XXXX and the XX/XX/XXXX, payment was paid on XX/XX/XXXX. I just called them yesterday because I saw on the history papers they did not apply that payments and many others. I want the principal applied to payments I paid double mouths to. What they sent about a repossession is not the payment I am mentioning. American Credit Acceptance I have been with 6 years now, have paid over {$33000.00} on a used {$18000.00} vehicle. They still are leaving payments off and not applying those payments. Again, below are some documents of what they are still doing and email I have sent. American Credit Acceptance have not given me any of these deferment or repossession documents before sending them out over to you all today. I am very disappointed and really wished in a million years I never dealt with this creditor. I have other lines of credit and not one of them has ever not applied my payments just to get more money from interest and principles. I have sent then bank statements here they are again.
Consumer complaint received 2020-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (NV)

I have disputed this account from US Collections West IN ( Original Creditor : XXXX XXXX XXXX XXXX DBA ) for the amount {$1200.00} on XX/XX/2020, and XX/XX/2020, with both the bureaus and the collection company and still have not received any letter or responses that I actually owe this debt.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (OH)

The company I work for, XXXX XXXX XXXX XXXX XXXX, based in XXXX, NJ, sent via ACH a direct deposit in the amount of {$1200.00} from our company bank to my American Express Bluebird checking account on XX/XX/2018 at approximately XXXX XXXX The funds should have been available on Monday XX/XX/2018 XXXX the next day has always been customary with these types of transactions in the past ). It is now nearly XXXXXXXX XXXX on XX/XX/2018 and not only are the funds not available, but American Express, who has acknowledged the funds are there states that " your funds are safe '' and they are working with their partners to resolve the situation. They acknowledge " an interruption to direct deposits affecting Personal Savings,  Bluebird, and Serve customers ''. I need MY money ASAP - I have bills to pay. American Express being sorry for any inconvenience this may cause is not paying my bills. Please look into this immediately.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCEMENT AGENCIES AND MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint againstXX/XX/XXXX XX/XX/XXXX and Experian CRA. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Again, XXXX, XXXX And EXPERIAN Are Not Recording My Credit Report Accurately. They Insist On, Sticking Their Noses, In My Personal Finances. They Can't Wait To Put Negative Information On My Credit Report, To Lower It. If I Charge {$10.00}, The Next Day, My Credit Report Is Lowered. When I Pay Off {$1000.00} On A Credit Card, They Ignore It. Is This A XXXX, Discrimination Or The XXXX XXXX Issue?