davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-02
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (TX)

XXXX 2014 my mother requested US BANK, XXXX XXXX XXXX XXXX California for an address change on her CD/Moneymarket/checking account due to her move to Texas. Still after a year and still not receiving statments and After numerous calls by her, then by me, the POA, after a certified letter, after another call to the Branch Manager, XXXX XXXX, then to XXXX, an account manager in Colorado, then to a XXXX XXXX XXXX, District Manager and now waiting for a return call from the Regional President, XXXX XXXX as I type this complaint. I also am disappointed in the Consumer Financial Protection Bureau for their lack of assistance or resolve. Plus, the consultant I spoke with read her que cards too quickly!!
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

I settled an old incorrect debt I had with XXXX XXXX XXXX on XXXX, per attached letter from XXXX. I called Enhanced Recovery Company several times and they literally made fun of my plea to close the account and not to send it to the credit reporting agencies. There are over XXXX complaints on this site about ERC and wonder when will the government put an end to their totally illegal and aggressive debt collection practices.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

My wife passed away on XX/XX/XXXX. We had a title and she was the only XXXX on the title of the loan, I did not have the information on where to make the monthly payment, a few months later I received a call from a collection agency which claimed we would have to pay the full balance of XXXX of the car loan that was issued by XXXX Bank. I asked them if I could make a payment arrangement, the lady said she was going to send a tow truck to tow the car, they told me that since my wife passed away there was no payment arrangement that I could set up. I decided to transfer the money from my investment account to my checking account that I have with Chase. I gave the lady the information on XX/XX/XXXX for the electronic payment to the bank. I gave her the information to withdraw the money. I asked her to send me the letter indicating that she had received the payment when she took the money she told me that when the time comes I could go to the DMV and request the title of the car. On XX/XX/XXXX I moved to Florida and lost all the documents I had. In XX/XX/XXXX I went to the DMV to request the title of the car. They told me that I couldn't do any transactions because there is a lien on the car. I went to XXXX Bank which had issued the loan, to request the title and they claimed to never received the payment and in order to get more information I must have an in state document from the court. I went to the court, and they said in order to obtain an in state account I must have a receipt of all the payments that I made for the funeral or I must have a lawyer. Since I seen that the charges were too much I went to Chase Bank where the money was withdrawn through ACH. I went to the bank that issued the payment and I explained the situation to them. They said they never received the payment. I filed a claim and the bank gave me a temporary credit. The bank said they had to take the money back from me. I asked if they could tell me who took the money so I could take them to court, and they told me they couldn't give me and information. I still haven't received my money back.
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Union Adjustment Company, Inc. (CA)

i found out i had a collection on my credit from a parking ticket, so call to pay it off on XX/XX/XXXX which i did in fact with a credit card over the phone, today on XX/XX/XXXX i was denied credit on a auto loan because union adjustment company is still reporting the account as unpaid after i paid it off eight months ago, this company is stopping me from moving forward with my life can you please help!!
Consumer complaint received 2021-02-26
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. (FL)

XXXX XXXX is reporting my auto loan as still open when it has been paid off. 
All 3 credit bureaus are showing an open balance with XXXX XXXX and XXXX
Consumer complaint received 2020-10-16
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. (NY)

I have been disputing some accounts since XX/XX/2020 with the credit bureaus, but I have not received any answers from them, I want to know the status of my disp.utes
Consumer complaint received 2020-10-16
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. (NY)

I have been disputing some accounts since XX/XX/2020 with the credit bureaus, but I have not received any answers from them, I want to know the status of my disp.utes
Consumer complaint received 2022-02-07
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)

I am Submitting this complaint because illegal practices were preformed and despite numerous attempts this debt has not been verified or validated. Amounts have been changed the account has been removed and re added without any written reasons why or that it was being re added, i have XXXX 120 day late payments i can see but this is not the original creditor so any extra fees and late payments or not valid as i never made a payment and have been disputing this for years. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00} In XX/XX/XXXX Account Was Removed and Re Added on The Same Day XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX has a 120 Day Late Payment. I Never Made a Payment Arrangement and I Have Never Made any Payments To This Company It is a Highly illegal Practice I asked to both validate and verify amounts owed, the breakdown of why i owe these amounts, proof that i am responsible for this debt, a contract with my signature on it and have yet to get any response or validation or verification but they say account has been verified how was this done also throughout this entire process they close then open the account
Consumer complaint received 2020-11-26
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: Kimball, Tirey & St. John LLP (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.
Consumer complaint received 2022-08-15
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. (OR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I purchased my home XX/XX/2001 for XXXX in the first home buyer program with a fix rate of 8 % and now 19yrs later I owe XXXX my principal is XXXX and my interest isXXXX a month Ive made three attempts to lower my interest rate so now its 6.375 % I didnt know all these years what was being done to me, I could never get my balance down I started off with XXXX XXXX XXXX XXXX XXXX for some years and then without me asking they sold my account to Select Portfolio Servicing which Ive been dealing with for some years now please help me with answers
Consumer complaint received 2017-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Immediate Credit Recovery (AL)

I am currently in a rehab program on  XXXX  of my student loans. I was told the  XXXX  loan does not qualify for this rehab but that I can not make any payments on it until the rehab program is complete. I just received a wage garnishment on the  XXXX  loan and when I try and call the number on the form I am transferred around and hung up on or I get a recording and no one ever contacts me back.
Consumer complaint received 2016-09-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

i have asked to have paperwork sent to me in the past two months from SPS so that they can update my file for reaching a agreement for my home. They sent a letter today that they deny me loss mitigation, how can this be done if they did not allow me to present paperwork about how my situation has changed. Can you please help?
Consumer complaint received 2022-08-15
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. (OR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-05
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. (VA)

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 2015-04-08
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (AZ)

While serving in the United States XXXX, I received XXXX to travel from XXXX XXXX, XXXX to XXXX XXXX, XXXX in XXXX of 2010 in order to complete my XXXX requirements to be XXXX from the military. I purchased a ticket with a government credit card ( Citibank ) with the belief that I would be reimbursed, or the finance department of my parent unit would settle the debt. I was unaware, until several years later, that the bill had not been paid. For background, when a soldier processes out of the XXXX, every department must sign off on the XXXX. XXXX of these departments is Finance. A soldier is not ( usually ) allowed to clear the installation and XXXX with any outstanding debt owed due to military service. It was for this reason, that when I visited the finance department to obtain clearance paperwork for my XXXX I was assured that I did not owe the outstanding amount on the credit card, and that it would be settled. I have attempted to reach an agreement with both the card issuer and the debt collection service to which they sold the debt, with no success. I have also attempted to remedy this situation through the military, with no success. 
This is a serious blemish on my credit, and I would like to get it resolved. I have not been reimbursed for this travel expense, as I was unaware that the debt was owed and therefore did not submit a travel report which reflected the amount of the ticket.
Consumer complaint received 2022-02-07
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. (MA)

I paid off a XXXX XXXX XXXX loan on XXXX XXXX in the amount of {$4300.00}. XXXX XXXX sent me a letter that the debt was settled and the title was mailed to me. 
Several weeks later XXXX XXXX contacted me and said that the payment didn't go through ( It was a bank check or money order I paid with ) and I asked them to show me the check I sent them. They couldn't locate the payment form and said it was still outstanding even though I have a letter from them and the title. This has ruined my credit. I had XXXX reach out to them and nothing was resolved. I than had Experian dispute this and they charged off the amount on my credit report. 

It had escalated to the Presidents office at XXXX XXXX and I spoke with someone who said they were passing my information along and I never heard back from them and didn't know how to contact someone at the Presidents level.
Consumer complaint received 2015-06-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Co-owners ' rights and obligations can be altered by a written agreement. The rules described below apply unless a written agreement exists that provides differently. 
TENANCY IN COMMONExcept for married couples or registered domestic partners -- who are presumed to acquire all property as community property -- persons who acquire real property jointly normally own the property as tenants in common, unless the instrument under which the property is transferred to them provides otherwise. All co-tenancies between unmarried persons that are not expressly made joint tenancies or partnerships are tenancies in common. A few of the key features of a tenancy in common are : Ownership and Transfer. Unlike joint tenants, tenants in common can own equal or unequal interests in the real property they acquire, and may acquire their interests from different sources at different times. Each tenant in common may sell or encumber his or her interest without the knowledge, approval or consent of the other co-tenants. A tenant in common has no right to convey any other co-tenant 's interest, and any such attemptedTHE PROPERTY IN QUESTION WAS IN A TRUST WHERE ALL BENEFICIARIES WERE TENANTS IN COMMON INCLUDING THE FORMER TRUSTEE ( BENEFICIARY ) BUT AMERICAN GENERAL FINANCIAL/SPRINGLEAF ENCUMBER THE ENTIRE REAL PROPERTY WITH AN UNFAVORAL LOAN PER THE PROBATE COURT, WE HAVE TRIED OVER AND OVER TO FIND OUT HOW THE FORMER TRUSTEE GOT THE LIEN WITHOUT THE PERMISSION OF THE BALANCE OF THE BENEFICIARIES. HE DID NOT REPORT THE SETTLOR/TRUSTEE 'S DEATH FOR ONE YEAR 4 MONTHS AFTER SHE DIED AND 5 MONTHS AFTER HE TOOK OUT THE LOAN ON THE PROPERTY. THE REAL PROPERTY IN THE TRUST WAS THROWN INTO FORCLOSURE BECAUSE NOW SPRINGLEAF FINANCIAL WOULD NOT WORK WITH THE NEW TRUSTEE OF THE TRUST.But that does not mean that the other beneficiaries are responsible for that loan that is his along even though he was theTrustee he is also a beneficiary and must not be partial in dealing with the trust property '' IN THE TRUST IT STATES THAT IF ONE OF THE BENEFICIAIRES DIE THEIR " ISSUE '' IS TO INHERITE THEIR SHARE, Equal Right to Occupy the Entire Property. Although tenants in common can own unequal interests, unless agreed otherwise in writing all tenants in common have an equal right to possess and use the entire jointly owned property. No co-tenant may exclude any other co-tenant from any part of the jointly owned property. Because all owners have an equal right to occupy and use the entire property, no tenant in common may collect rent from another co-tenant. 
THE COURT ORDERED XXXX TO PAY RENT BECAUSE HE HAS ALREADY MOVED HIS FAMILY AND HIMSELF IN AND HAS NOT COMPENSATED ANY OF THE BENEFICIARIESNo Survivorship Right. A key feature distinguishing a tenancy in common from a joint tenancy or community property interest is that a tenants in common interest carries with it no survivorship
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I filed an ACH transfer on 53.com to send {$8400.00} from my XXXX XXXX account to Fifth Third bank. The transfer did not complete due to my middle initial being present on one account and not the other. Funds never reached my XXXX XXXX account and the amount debited from XXXX was never returned. I have filed disputes with both banks and they have both insisted that I need to file a dispute with the other bank.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Hard inquiries appeared in my credit report that I did not initiate or apply from these XXXX institutions : XXXX ) XXXX XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXX XXXX - XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-02-09
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. (NJ)

I have XXXX XXXX XXXX XXXX XXXX on my report I do not recognize these accounts yet Equifax continues to report them Ive sent in numerous Identity Thef reports and validation letters they have failed to comply its been over XXXX days
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

I made a large purchase on my chase freedom cad with the intent of using Chase Pay. According to the program, I can enroll the large purchase in a chase pay payment plan as long as the amount is over {$100.00}. Well my purchase was {$2900.00}. Ive called 6 times to get this resolved and no one is helping me or telling me that it will be available. My payment is due on XX/XX/21 and Im trying to get this resolved before making a payment, because if I do make a payment then the charge will be ineligible for chase pay payment plan. I need someone from Chase a senior specialist to assist me because the last 6 customer service reps have been XXXX. Thank you
Consumer complaint received 2015-10-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

on XXXX 2015, i reported my credit card lost, but capitalone credit card stated that they will issue the credit card, which will take 7 to 10 days, but i have not receive my card and I told capital one XXXX, but i have still not received my credit card, i verify my address too. I know that capital one has some not pleasing customer service issues, which i decided to file a compliant. The company is holding my credit card, I also had my card stolen and there was some unauthorized charges on my card. Which I had to call and tell capital one about the charges, but the company only gave me partial amount of the unauthorized charges, which for the third time, there is still another XXXX that the company owe me. They tell me not to worry, but the company has a XXXX fraud liabilty, so since they wont cooperate, i decided to file a compliant.
Consumer complaint received 2023-04-05
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, XXXX, and Transunion regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-07-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC (GA)

My debit card was charge without authorization on XX/XX/2015 for {$180.00}. I did not tell them to take a payment. I was called serval times and received an e-mail to contact them. Shorty after someone took money out of my account which I needed for my rent and has conflicting effects with other bills I had! I work in this industry and this is considered fraud at my company for running a payment without consent.