davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MN)

Called Experian, in response to a Credit Freeze letter. The letter incorrectly identified my credit as frozen. Called the IVR and tried for almost 30 minutes to get to a human being to discuss the letter and couldn't. Finally went online, found the phone number for small business services and got to a human being in 5 minutes, who explained to me the letter was incorrect, there is no freeze on my credit. The Experian Consumer IVR is about the must unfriendly, unhelpful IVR I have ever used. Terrible. Actually wasted my time as a consumer, confused the XXXX out of me and deliberately ended with send a letter or go online. I won't use Experian 's online service because after their trial period they start charging you and I only need to use the online service once a year or something. Completely unfair and wrong to charge customers to use an online application to resolve problems experian created in the first place. Especially since the IVR drives you to use the online tool, and Experian charges for the use of the online tool after the 1st month of using it.
Consumer complaint received 2020-05-21
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: JPMORGAN CHASE & CO. (CA)

This claim was filed twice with Chase Sapphire Preferred involving my hotel booking, which was affected by the XXXXoronaVirus ( COVID-19 ). I have tried to cancel and re-dispute this claim, but the Chase Claim investigator initially denied my request because she didnt understand the severity of the CoronaVirus ( COVID-19 ) at the time when I opened my first claim on XX/XX/XXXX. 

My hotel booking in XXXX took place on XX/XX/XXXX. Everyone is aware about the Travel Ban and every country was under quarantine. CoronaVirus has been ongoing since XXXX of 2019, and consequently to its extremity, a travel ban was issued by President Trump on XX/XX/XXXX as well as across XXXX. within my booking date on XX/XX/XXXX. 

Chase Claim 's Dept gave me the excuse that the hotel has its own cancellation policy, but no hotel has a policy about a pandemic disease like CoronaVirus. 

Being unaware doesnt change the fact that I was affected, and I am still eligible for a refund for my booking when its within Travel Ban period. 

As a result, the XXXX XXXX couldnt have provided the service anyways since the Global Travel Ban prohibited us exiting the U.S. and entering XXXX. 

I have tried emailing and calling numerously to the hotel to get a confirmation email for the full refund trip. The hotel staff emailed me and said that the cancellation has taken process, but yet no full refund has been honored. 

My next step will be filing a small claim suit against Chase since I did opt out from their arbitration clause.
Consumer complaint received 2021-10-07
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. (VA)

commenity bank XXXX XXXX has incorrectly reported on my all 3 bureaus that i was late XX/XX/XXXX, and XX/XX/XXXX both 30 days. I have tried to work with this company on getting this resolved and have tried disputing these multiple times with the bureaus.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have not been able to get my money back from Bank of America. As you know things has been really tough lately with the economy and BofA has been sitting on money that they owe me since XX/XX/2020. This was the last payment of {$4600.00} made to them on my mortgage, but the payment was received after the refinance of this loan was completed. I have been trying to get them to send the back the money for almost 3 month with nothing other than we are working on it. They do acknowledge they received the money and every time I call them they say we will send you a check, for we will wire it back, but nothing is happening.
Consumer complaint received 2020-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

The company name is Portfolio Recovery Associates. They call me Monday - Sunday about 5 to 9 times per day. They called me today,  Sunday, at XXXX XXXX. They have also called my husband who has nothing to do with what I have to pay. I have sent them letters requesting more information and they have not replied back. They are extremely rude.
Consumer complaint received 2017-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had {$350.00} deposited in account on XXXX/XXXX/17. I made a debit card transaction at XXXX for {$350.00} around XXXX.. I had another {$340.00} deposited into my account that same day but in smaller amounts that I withdrew out of an atm for {$300.00}. Some how the deposits got disputed by someone at Bank of America or whoever deposited this money in my account. ( Witch the party that deposited the money into my account had everything on my account because of a loan that turned out to be a scam ) Along with a payment i made to ( myfloridacounty ) on XXXX/XXXX/17 for {$160.00} for a speeding ticket. It turned them into temporary credit adjustments. I did n't file a claim or call fraud department. They have all that recorded when u call. I had a pay check deposited from XXXX XXXX on XXXX/XXXX/17 like I always do every week on Thursdays morning. I was -XXXX when I went to the atm. I called Bank of America a bunch of times and called claims department. I went to XXXX Florida branch and Got treated like trash on the bottom of there shoes. The manager at that branch said that the temporary adjustments were n't there to withdraw. I said I did n't make those claims and did n't care about them cause they were deposits that i used my debit card on. Not credit!!!! Until she pointed out the one about my ticket that i did n't notice. Money was n't available for withdraw or to spend. When she got tired of me telling her how can I use my debit card on something that is n't there. She said I ca n't help you!! I got told why would I spend some one else 's money that was n't mine as I was leaveing. Called claims back and i thought I was getting some where but did n't so I closed my checking and saveings account. I got some emails where they bounced them deposits after closing account.
Consumer complaint received 2020-11-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (FL)

From XX/XX/2020 through the present, I have been receiving communication from Synchrony Bank/Care Credit in Statements via an online portal on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), Any debt collector communicating with any person shall not state the consumer owes any debt. According to 15 USC 1692b I never gave Synchrony Bank/ Care Credit permission to send me statements. When sending statements Synchrony Bank/ Care Credit can not state that such consumer owes any debt according to 15 USC 1692b ( 2 ). Synchrony Bank/ Care Credit using misleading information on what a credit card is. According to 15 USC 1602 ( I ) The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This is also the result of 16 USC 1602p unauthorized use, Use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The accounts have been reported delinquent on my credit report but none of the 3 reports are consistent. The account are on a payment plan for 5 years are paid but still being reported late by XXXX & XXXX XXXX  then a couple is reported charge off but still taking my payment. Medical bills that were paid by XXXX XXXX and bills that I have no knowledge of.
Consumer complaint received 2020-10-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (LA)

Bridgcrest I have XXXX  XXXX XXXX that is XXXX behind I tired to work it out with them and they want my car and not trying to work with me with situation
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Services served me stating I owed a debt to their company. I disputed this and requested debt validation numerous times. During, the dispute, it appears that Portfolio Recovery not only initiated this lawsuit while I was being represented by a firm ( also disputing XXXX but they also continue to pursue legal action and have yet to legally prove the debt that I owe them. I have requested legitimate validation multiple times ( written and verbal ). Recently, I'm receiving more calls and I gave told them it is not my debt. 

**The judge actually postponed this hearing into XXXX because I sent in written correspondence noting their inability to adhere even to the initial concept that I was represented by a firm. Please advise. I gave been sending emails and letters for about 6 months now.
Consumer complaint received 2020-08-19
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$180.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX/XXXX XXXX {$85.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX   XXXX {$190.00} CONVERGENT OUTSCORING XXXX {$940.00}
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed complaints and tried to resolve this with each credit bureau ( XXXX, XXXX, and Transunion ). After their investigation which went beyond the required 30 days and they have yet to remove the late payment reporting. 

Dispute : I did an investigation on my credit report which has caused severe XXXX in me and found inaccurate and questionable items that the agencies did not make sure were reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681 e ( b ) and 15 U>S> Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. In addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me the consumer and Lending Club and should be excluded from my credit report.

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2020-10-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation (UT)

Bl

ackwell Recovery has attempted to collect a debt in the state of Utah and they are not licensed or bonded to collect said debt. They have placed a mark on my credit report when they are not allowed to due to not have a debt collectors license in this state. They have also tacked on added charges to which I h
ave not agreed nor ever signed a contract for. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX fax email : XXXX XXXX
Consumer complaint received 2020-05-21
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$7000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2100.00} USDOE XXXX XXXX {$4500.00} XXXX XXXX  XXXX {$28000.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$2200.00} XXXX XXXX {$890.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX  XXXX {$420.00}
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

I previously submitted a complaint against TRANSWORLD systems in regards to a collection they continue to report on my credit. They wrote me telling me that they previously replied prior to my first complaint, but I never received the letter they " claim '' they mailed to me. Only after submitting my complaint to the CFPB did I get them to respond. They suddenly sent me a print out of the debt they claim I owe, but they had 30 days to reply to the dispute letter I wrote them, and they never sent me the requested information. Among the questions I asked them, which I have attached to this complaint are as follows : 1. Copy of assignment of purchase from the original creditor. 2. Every charge and what was purchased, ie ; fee, payments, credit, interests. 3. How they calculated what they claim I owe. 4. Full chain of assignment from charge off to present. 5. Proof that they own the debt with full clear title. 6. Proof that they were on the original contract. 7. Proof that they are licensed to collect in my state. 
Please be reminded of XXXX vs XXXX Law Firm - XXXX vs XXXX XXXX XXXX 

They never answered these questions, and did not DELETE this account from my credit being that they are not able to produce all of my requests which I have a right to obtain. 

In addition to that, I have attached evidence that they tried to put on XXXX XXXX that I had made a {$25.00} payment, and then suddenly removed the remark from there. They also lied saying that I was affected by a natural disaster and ; this too is untrue. I have never spoken with anyone at this collection agency to tell them this. They are the ones that put that remark on my credit reports falsely. This is clear defamation and violation of my rights. I am giving them a final opportunity before I proceed to file a formal complaint with the GA State Attorney and to hand all of this evidence to my lawyer to proceed with a lawsuit in which I will be demanding {$1000.00} per violation if this account is not removed from my credit reports within the next 30 days.
Consumer complaint received 2020-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

This is the second time that Capital One has denied my access to the XX/XX/2019 statement. It is illegal to deny customers any access to their statements. Please take care of this issue.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I started communication with Equifax 3 months ago to correct a hard inquiry mistake. XXXX did a hard inquiry on my credit on XX/XX/18 and they have told me in writing it was their mistake and they would fix. I filed a dispute with Equifax to have the hard inquiry removed and I was not allowed to upload or submit a document unless I had a fax. I asked for an email and they couldn't give me one. The average poor consumer doesn't have a fax or the time it takes to deal with the companies antics and road blocks. I have a letter from XXXX saying they made a mistake and they would fix that I wanted to upload and wasn't allowed to. I've tried to dispute this inquiry repeatedly with Equifax and they send me a fraudulent note check my dispute status that then goes to a dead link that doesn't work and tells me I'm not able to log in. Poor service and they still won't remove the incorrect info that is hurting my credit. 

Confidential : Thanks, XXXX XXXX # XXXX XXXX
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My chapter XXXX bankruptcy has been closed and transunion is still showing as filling status. The Reference # XXXX. I tried contacting and disputing it with transunion and i was unable to fix the problem.
Consumer complaint received 2020-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Disputed derogatory in writing to XXXX  who failed to comply with Fair Credit Reporting Act and Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 validating Midland credit Management in excess of 90 days.
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX/Comenity Bank I have a statement that shows New balance - {$15.00} due by XX/XX/XXXX. I paid that balance stated on XX/XX/XXXX and XX/XX/XXXX, my account was now paid in full. I then closed my account. Today I received a bill for {$2.00}, it is what they 're calling a trailing fee, that was charged to my account on XX/XX/XXXX. I called them, makes no sense, they wo n't take the fee off. This is soooo wrong!
Consumer complaint received 2023-01-20
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. (GA)

These items are listed on my report that don't belong to me and I have already contacted companies. 

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 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.