davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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.
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Service of Central Washington, Inc. (WA)

Hello. I attended a XXXX  XXXX  school called XXXX XXXX with XXXX XXXX as the teacher. A small class program through her home. My responsibilities as a mother pulled me away from becoming a XXXX  XXXX. My eldest has XXXX and struggles with XXXX XXXX at home and at school. Therefore exhausting my energy throughout the week. I was able to pay the teacher over half of the debt. Over {$5000.00}. Financial circumstances led me to get behind on the debt and it was given to Central Bonded Collectors. I tried to work with them but, now they are threatening suing for more by garnishing my husband 's wages. With attorney XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, WA XXXX. We are on a tight budget that's even tighter now that the pandemic has reduced my husband 's income. I would love all the help I can get to resolve this issue. I've learned that certain debts over six years are too old to collect on. Please let me know what I can do. I'm very busy with schooling my children at home with a XXXX XXXX XXXX but, absolutely will do what it takes to figure this problem out. Thanks so much.
Consumer complaint received 2022-08-10
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. (NE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (OK)

XXXX-17 XXXX XXXX called my place of work to contact me, and then tries to get information from me for my bank acct, to draw money from bank account. Then also wanting other personal information. Told them I need to go due to having to go to afternoon duty, then start arguing and demanding things. Told them I would call back in morning which I did and told supervisor exactly what I could do, then he begins arguing and saying things, also told him not to contact me at work any more.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IN)

EXPERIAN IS REPORTING THIS ACCOUNT IN ERROR! THIS ACCOUNT MUST BE UPDATED TO REFLECT DISPUTE UNDER THE FAIR CREDIT XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
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 (NY)

On XX/XX/XXXX I purchased an office chair from XXXX XXXX for {$64.00} Within 2 months the back rest ( plastic ) cracked and chair not usable to lean back on Merchant says only wheels guaranteed, this chair is defective as it should not crack from normal usage in such short period I have photos of broken chair but unfortunately I misplaced charge receipt
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (TX)

In XXXX 2015, I did my online banking as usual for a Chase credit card - Southwest Visa. The due date was on a Sunday, and the bank did not log the payment on that day, but charged me a late fee. I was not aware of this, since I sent my payment on time. But the next month 's payment was more because of this illegal late charge. So even though I paid on time in XXXX, Chase again assessed a late charge. I saw an email alert and called them. After we figured out what happened, they refunded a portion of the late fees, and promised to refund all if I made an extra payment right away. I did that, but when I called, they refused to refund the remaining late fee. So for no fault of my own, Chase charged me XXXX late fees, refunded a portion, but still kept {$35.00}. I have heard of many people having similar problems w Chase, and I have to think there is a patter of deceit by this bank ( never mind on the large scale, but even in small ways Chase finds a way to rip people off ).
Consumer complaint received 2024-04-27
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

Checked into XXXX XXXX XX/XX/year>. Charged {$180.00} incidental. Used American Express gift card. XXXX XXXX has released the incidental charge. Still have not received incidental refund from AmEx. Amex says I cant get my refund until XX/XX/year>, ONE MONTH from date I used it. What reason do they have to hold my money? Maybe I should receive interest. How is this even legal?
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX, dispute letters and id documents went out to all three credit bureaus by the financial company I hire to build my credit. I have not received any communication from XXXX XXXX, XXXX or Equifax. I called XXXX and the customer service rep said that they had not received a dispute since XXXX. I was not able to get through to Equifax or XXXX XXXX but neither has responded to the disputes that were sent on XX/XX/XXXX, by first class mail. Please look into this matter and please let me know what you find! 

Warmest Regards, XXXX XXXX
Consumer complaint received 2021-06-04
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. (CA)

XXXX XXXX XXXX is still reporting old credit information and it is affecting my ability to obtain employment. I have tried to resolve through the credit reports but it comes back as " reporting correctly ''. I have written the company but they still ignore my request to remove it. Now it's been 7 years and it's still reporting. other than this " late '' my credit report is immaculate even during the pandemic. XXXX also show inaccurate information on all 3 credit reporting agencies.
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AR)

I've never went to the doctor in the state of Texas. I've never received a bill or communication to dispute anything. I checked my credit report and this 3rd party company Commonwealth financial has put a negative mark on my account for a medical bill I don't owe. I contacted the collection company and I get a full voicemail of a woman 's phone not even a company. they cant tell me who the original creditor was or anything else with the account. I really need this collection off my report. I don't know what to do.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit report dated XX/XX/XXXX, at TransUnion contains Inquiries that I never authorized, nor did I do business with these companies The following inquiries were not authorized by me : XXXX XXXX XXXX XXXXXX/XX/XXXX ; CXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. Also, account # XXXX with XXXX XXXX XXXX XXXX is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS nor XXXX  XXXX XXXX XXXX so that I can file my taxes accordingly. This Pathways account is reporting inaccurate adverse information. Also, US DEPT OF ED/XXXX has taken over ownership of account # XXXX, # XXXX, and # XXXX from XXXX XXXX, the original creditor, as a third party on the face of the transaction without notifying the principle. The US DEPT OF EDXXXX is reporting information that does not coincide with the original contract.
Consumer complaint received 2019-02-28
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: Experian Information Solutions Inc. (MI)

I have made several attempts to get Experian to remove incorrect info on my report. I have been told that the dispute was verified by a 3rd party vendor but won't disclose who the vendor is. When I asked why they first told me they don't have to supply that information, the other response I got was it is a security risk. I am not sure how I am suppose to have something removed from my credit without being able to speak with the 3rd party vendor. I did XXXX who Experian uses for public record verification and found XXXX XXXX. I reached out to them and sent me a copy of my public records report which shows to bankruptcy 's on the report. Experian is violating the consumer credit protection act which states the following " If requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

My second issue is I have a charge write off being reported from XXXX XXXX which is also incorrect. I have supplied documents that the account was paid when the bill was due. They claim the company has verified the claim but yet they have stated they were never sent proof from Experian.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (WA)

I signed up for a load and this loan was transferred to Freedom Mortgage in XXXX 2015. 

Freedom MortgageXXXX.XXXX XXXX, IN XXXX have made over the course of the loan 12 additional principal-only payments of which only 2 had been applied correctly at the first time. All other payments were distributed as additional regular payments, splitting them intoRegular principalInterestEscrow for TaxEscrow for Insuranceonly the remaining amount was added as additional principal payment. After I noticed this the first time I was calling Freedom Mortgage to get this fixed and ask to ensure that this will not happen again. Now, 11 payments later, the issue became even worst as they now splitted the payment into 2 times a regular payment, and only applied the remainder as additional principal. 
Every single time I had to call and had to have the payments being adjusted. 
My complaint is regarding the practice used. It seems to me that they are collecting on the overpaid escrow amounts interest until the customer realizes the wrong distribution. Given my loan being not that large, extrapolated across XXXX ( if not XXXX ) customers, the money embezzled from either the customer or the banks ( how ever one looks at it ) amounts to a considerable amount. 
Based on my experience with Freedom Mortgage it seems to be done on purpose to extract as much money from each customer as possible. 
I for my part are not willing to provide loans to my mortgage company.
Consumer complaint received 2015-04-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I was having difficulty accessing my accounts with Santandar through their online banking. I called the XXXX XXXX on the recorded line. After identifying myself through their automated system and changing my pin #, I was connected with XXXX, a represntative. I reviewed my difficulty with XXXX and he asked if he could ask me questions through public recored to confirm my identity. Although, I was confused why they would use public record as a means to confim my identity, but nevertheless I agreed. He asked me my name, address, and social security number. After a pause, he stated that he could no longer help me and that I needed to go to a branch. I was astonished that these were the " tough '' security questions that he asked and even more surprised that his service solution was for me to leave work and go to a branch. Clearly those questions are the very bare bones of identifying someone and I expected a deeper inquiry but received none. I asked to speak to a supervisor and XXXX stated that the supervisor would only state the same thing he did and that XXXX ( actually XXXX ) did not wish to take my call. I insisted and asked to wait to speak to a person in charge. i re-iterated that I did not wish to cause any trouble but wanted help to my issue and not deal with a branch. XXXX eventually picked up my call after the transfer and I reviewed my issue with her. She blamed the " system '' that her and XXXX use and stated their was nothing further to be done. I begged her to please ask me more difficult questions but they declined. I was open to alternatives to resolve this but XXXX and XXXX were not even remotely interested in exploring any other means. Remember, i was able to change my pin but they could n't ask me the amount of my HELOC payment. I told them that their service was poor and uncreative in spite of a basic request. I asked for her supervisor as I desired to provide sorely needed feedback and to explore further assistance if possible. I received no name, no phone number, no email to which I could address my complaint. I did receive a Client relations address to hand write a letter to. I also asked why she told XXXX that she did not wish to speak to me and or hear about my issue. She denied that that happened and in turn made XXXX a liar. Please remember this was a recored line, so there should be no dispute about any of this.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft I need you to delete this erroneous account at once please I didn't ever give written permission for any credit reporting agency the right to report this account please provide you with the proof that I gave you written instructions to report negative items on my consumer report I didn't give you written permission to do thats defaming my character its slandering my name you making me look like a bad person that I don't pay my bills that's actual damages this is defamation
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act, The List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts have been paid, they are affecting my credit and should be removed.
Consumer complaint received 2020-09-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Citi has been promoting it $ XXXX {$400.00} offer for its different criteria deposit. I opened the account via its promotion link online on XX/XX/XXXX. I called on XX/XX/XXXX and told them that instead of depositing for $ XXXX for {$1500.00} bonus, I would like to downgrade the package for $ XXXX deposit for {$400.00} bonus. The rep on the phone ensured me many times that the account is linked with the promotion and I will get the {$400.00} bonus after depositing $ XXXX. 
I deposited $ XXXX on XX/XX/XXXX and the money has still there since then until today ( XX/XX/XXXX ), which has been over XXXX months. The requirement is having the deposit stay for 60 days, which already way passed it. I chated online on XX/XX/XXXX and the rep said I should have qualified but he said he will open an investigation with case XXXX XXXX XXXX XXXX. I also called citi and the first rep said he didn't see the promotion linked to my account. Later the case was escalated to a supervisor, who said I already downgraded my account, which I said I knew but the rep on XX/XX/XXXX expressly told me it is ok as it is just {$400.00} bonus instead of {$1500.00}. The supervisor then said, oh, because the linked checking account was closed. I said I didn't close the linked checking account but Citi closed it at its sole discretion without any notification. And said he will follow up on the investigation team and give me the answer. On XX/XX/XXXX, I receive the letter from citi saying they can't find any promotion linked to my account. So what's going on? Overall experience is just that citi tried to avoid giving the promised promotion and overall advertisement is misleading and scam. 
Per the terms, citi should have given me {$400.00} bonus on XX/XX/XXXX, which was 60 days after the required deposit period. I have patiently waited for another 4 months but it ended up they closed my linked checking account and said, oh, not another fine print qualified. The term stated " the Minimum Deposit ( see Chart below ) must be maintained for 60 consecutive calendar days from the date the Minimum Deposit is met ( Minimum Balance ). The Minimum Balance may be held entirely in one of the Eligible Accounts or across both of the Eligible Accounts '' and " At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Checking Account is closed, then the Cash Bonus will be credited to the new Eligible Savings Account. '' So why my {$400.00} is not showing up in my saving account? It should have appeared from any date after XX/XX/XXXX.
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (WV)

I closed my account due to stolen card. They told me it was denied me because i make withdrawals at this location. It is the only location near my home. They also stated yhat the withdrawal amount was XXXX at a time where there is a listed withdrawel of XXXX and another for XXXX. This is not acceptable. They alsi saisXXXX did not change my pin on ti.e hkw could i when i did not know till my money was gone
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a Veteran and I was having a medical emergency so went to nearest hospital and I notified the staff I was a Veteran because they would have to go through the VA to get payment for my treatment or transfer me to the VA hospital when stable but they did not contact the VA and now have been trying to make me pay the bill have been fighting to get this of my credit report Trans Union but to no avail so want to file complaint.
Consumer complaint received 2021-06-04
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. (CA)

XXXX XXXX XXXX is still reporting old credit information and it is affecting my ability to obtain employment. I have tried to resolve through the credit reports but it comes back as " reporting correctly ''. I have written the company but they still ignore my request to remove it. Now it's been 7 years and it's still reporting. other than this " late '' my credit report is immaculate even during the pandemic. XXXX also show inaccurate information on all 3 credit reporting agencies.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV INC. (TX)

I reached out to XXXX XXXX about a bank fee. They stopped responding and continued charging me and eventually closed the account and reported it to a debt collector, TRS Recovery. 

XXXX 's response to the CFPB contained inaccurate information and didn't answer my questions about the fees. Their response encouraged me to reach out to them directly. I did, and to this day, I haven't received a response from them. I filed a dispute with TRS, the collection agency that they sent my account to. XXXX only sent them my bank statements and didn't address the disputed amount. I spoke to XXXX in the customer service department at TRS. She told me that I would have to contact the bank directly. This isn't the way to handle debt collection. This wouldn't have gone into a collection status if XXXX had actually answered my question about whether I could close the account online after bringing the balance to a positive status. I've reached out to XXXX numerous times about this and when they do respond to other parties, they provide misleading information, and they don't respond directly to me.