davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Every single month I have to file a complaint with transunioun for not updating my credit card accounts, this time it's my XXXX XXXX acct the balance is {$5.00} and has been updated on the two other bureaus since the XXXX, I have attached screenshots of credit report from XXXX and XXXX  showing my XXXX card, again transunion is the only credit bureau every single month that is not reporting my balances on time, this is very very frustrating and time consuming and needs to be resolved this month for good it does not keep happening, I have also attached my transunion report, again every single month there are reporting issues with transunion, I should not have to do this complaint every single month, my XXXX card may also be labeled XXXX XXXX XXXX, the balance is {$5.00} report date XX/XX/XXXX the XXXX of every month as u can see on the report, past and present
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (GA)

I applied for a business credit card with Chase for a brand with XXXX. They offer XXXX miles after spending {$2000.00} in the first 3 months. I disclosed to XXXX people ( underwriting/analysts ) during the application process that this was a card for a separate business XXXX which is a different legal entity of my other business, and that the reason I was applying for a separate card is because I wanted to separate the expenses of each business for tax purposes. They were ok and after completing the application I was approved. After I received the card, I started using it and met the {$2000.00} expenditure required to received the promotion of XXXX miles. AFTER THAT, they communicated to me that they were not going to award this offer because I had another business that received this promotion in less than 24 months!! They never told me about this rule during the application process nor when I received my card nor later, and they ONLY communicated this to me after I met the expenditure target ( and after they charged me also for the annual fee ), which is very malicious on their part. If I knew at front about this issue, I would never had applied for this card in the first place. 
When I contacted the customer representative, she was very rude and un respectful and did n't care at all how she treated a customer ( and a good customer as I have several accounts, all in good standing with them!!! which is even more upsetting! ). 
This is a very deceiving business practice, as they are misleading and lying to people, and they do n't want to take responsibility, ownership and honor their commitments. It is sad to see that after the financial crisis of XXXX, they continue to practice unlawful acts, without taking any responsibility.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one restricted my account because I made 2 payments on the same day From the same bank account I have made every payment to them. 
They received the payments were posted without and issues except that I made 2 in one day.

My account has been restricted since XXXX I am tired of calling and keep getting told I have to correct the issue and prove the bank account belongs to me.
Consumer complaint received 2020-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CO)

I've never paid my payment since I have a car in XXXX. I purchased a car by XXXX last year and my auto loan is with Hyundai motor finance. 
I paid {$2100.00} and {$2900.00} of extra car payments by online ( www.hmfusa.com ) on XX/XX/XXXX for PRINCIPALS ONLY. I called Hyundai Motor Finance CS so they can applied to a principal only since HMF don't have an option for principal only.

I checked my account and they still charged an interest. I called back. Manager told me that he will fix it. HMF applied no interest only for {$2100.00}. But {$2900.00} was not even applied to my account. {$2900.00} was in the air.

I called back. now HMF just applied {$2900.00} to my account WITH an interest and {$2100.00} was in the air. I had to call back so many times with this issue because it kept happening ( HMF even charged me last fees 4 times even though I NEVER paid payments last ). Finally, I requested to get a refund of {$2900.00} because HMF did NOT applied to my account. {$2100.00} STILL charged an interest even though a manager stated that they automatically don't charge an interest for more than {$2000.00}. I just gave up the interest that HMF already charged me once HMF APPLIED the amount to my ACCOUNT. That is all I wanted. JUST APPLY THE AMOUNT THAT I PAID TO MY ACCOUNT!!! 
I thought the issue got resolved so I paid {$250.00} for an extra payment for principal only on XX/XX/XXXX. I called Hyundai motor finance CS ( XXXX ) to request {$250.00} for principal only. they messed up AGAIN. NOW, they DID NOT applied to my account " '' {$2100.00} '' '' and " {$250.00} ''. My account remaining balance went back up to back in MAY and it is showing I owe {$1000.00} as of XX/XX/XXXX. My payment of {$2100.00} and {$250.00} are not on my account even though HMF withdrew them from my bank account.

I called HMF CS more than 15 times to resolve this issue for last 3 month. Please help me!!!
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MA)

They started calling my cell when I was in a meeting for my daughter. I kept saying I couldnt talk and I had to hang up but I called back. I told them I am on XXXX with a very limited income. They threatened to sue me to get the money. They also threatened to report to the credit bureau which they did to XXXX  and caused my score to drop 24 points. They said they had multiple accounts in collections for me but only explained one and would not give me info on any others. I told them I could give proof of my XXXX and I was told someone would get back to me to handle it. No one has. They have also said they will stop the interest from accumulating on these accounts and have not verified these debts or their accuracy! I previously tried to work with this company and they never sent out paperwork to confirm they would settle for half. They stopped contacting me altogether after I tried to receive a contractual agreement for payment.
Consumer complaint received 2022-01-07
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. (TX)

XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( Experian, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an XXXX XXXX XXXX Opened XX/XX/XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that conta My identifying information is as follows : Lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX As proof of my identity, I have included copies of my birth certificate, Social Security card, drivers license, an If you are unable to verify the account with the original contract, the information should be removed from my c Sincerely,
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET theE credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These accounts are inaccurate. These are the items I demanding to be deleted immediately : Invalid inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Late payments Bank of america XX/XX/2021 was reported late this is inaccurate Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 



2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Bank of america XX/XX/2021 was reported late this is inaccurate Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 


False inquires these are invalid. 

XXXX XXXX ( XXXX ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2016-11-09
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Made a deposit into the night deposit. The signage at a certain branch states that deposits made after XXXX will be credited the next day. That is false signage. The night deposit is checked by a bank employee after the bank closes each day, at XXXX. So my deposit made at XXXX on a Wednesday would not be credited until after close of business on Thursday, even though the signage states it will be credited the next business day. Crediting at the end of the next business day is at minimum misleading. Branch manager told me he would change signage 3 months ago to reflect what time the night deposit is checked. 
This occurred at the Chase Bank, XXXX XXXX, XXXX, CA XXXX and I spoke with manager XXXX XXXX three months ago.
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BARCLAYS BANK DELAWARE (NY)

This card was charged off years ago and sent to collections. Before the card was charged off I pleaded with the company to lower my interest rates for a few months so that I could make minimum payments and they refused to help me in any way. I had suffered severe medical injuries and was in financial distress. After not being able to make payments for a short while I started to receive calls upwards of 5-6 times a day! They would call from different numbers and start calling at XXXX and not stop calling until XXXX! I advised them to stop but they would not. They continue to call me to this day! This card also went through a company change while I had it which resulted in problems in communication as well.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (FL)

Back in 2015 I had just opened a XXXX credit card account after a few months my mother got critically ill do to XXXX my credit card was still opened but I had stopped payment the card company called I set up payment arrangements the agreement was I pay the account off and the account would be in good standings. I set up auto pay and they received all moneys owed at the last payment the card was closed by creditor and the account was placed on my report as closed by creditor and charge off. This was not agree upon nor was I promised this during payment arrangements.
Consumer complaint received 2017-08-03
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. (NV)

Equifax sent an email X/X/17 that the results of my dispute were available for viewing online but every time I try to view it the system is down for maintenance. It has been this way for days. Furthermore I am unable to submit a new dispute or check the status of an existing one online.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/2018 I was at a Chase Branch in XXXX XXXX, Oklahoma. I had explained to the Branch Manager that I was having difficulty paying all my bills in a month. She worked with me and said Chase has a Hardship Program. She called into it and gave her ID number and was transferred several times. When the gentleman answered in the department that could help with finical difficulties he talked to myself and asked me several questions about my hardship. He then stated that the settlement would be {$1500.00}, for both accounts. I didnt have the money to pay then. Since that time I have received a tax refund and set aside {$1500.00} and called Chase today. Today all they could offer is 90 % of the settlement instead of the 65 % that was offere 2 weeks ago. I asked for the recording, the name and ID and a supervisor at Chase would not disclose the information to me. I dont understand why I cant have that information or the same amount they were going to settle with me 2 weeks ago. When I called Chase today they acted like they had no record of anything but magically an application appeared with no information and just a employee ID number but saw no notes on the disclosed amount they offered 2 weeks ago. Spoke to a XXXX at Chase his ID NUMBER is XXXX. This supervisor was absolutely no help and would not and could not tell me any information.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the information currently associated with my accounts. It appears that there are inaccuracies regarding the status of my accounts, specifically concerning the merging of files and the characterization of my payment history. 
XXXXXXXX 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 2020-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

TO WHOM IT MAY CONCERN XXXX XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (PA)

I dont know who this company is. They showed up on my XXXX and XXXX credit reports. I never had any account with XXXX XXXX. I never received any collection notices or phone calls. I will upload my address for them to send verification information and collection notices. Please see if the address is the correct one you have.
Consumer complaint received 2018-03-29
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: Experian Information Solutions Inc. (NV)

I have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that XXXX XXXX Experian will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of today XX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on my credit report.
Consumer complaint received 2017-08-28
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. (MD)

On XXXX XXXX, 2017, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.
Consumer complaint received 2017-01-19
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (WA)

On XXXX/XXXX/2015 my now ex wife modified a home loan ( 1st and 2nd ) through Chase Bank. She succeeded in obtaining a HAMP modification on our loans which extended the life of the loan which I did not approve. We were not divorced at the time however, we were legally separated. And would not become divorced for another full year. In the loan documentation, it specifically states " that all persons who signed the Loan documents or their authorized representatives have signed this agreement unless the borrower and co borrower are divorced AND the property has been transferred to one spouse in the divorce degree '' While I did quick deed the home to my now ex wife, we were still married at the time this modification took place. My signature was not obtained from the bank nor did I consent to using my credit report or any other means to modify this loan. 
I have tried to resolve the issue with Chase with no luck. Since I am still on the loan even after the divorce, I have invested interest in the home. I feel that this modification was obtained illegally as stated in the loan documents and would like it reversed to the original loan terms I did agree to.
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I purchased the car in XXXX. My original loan amount was approximately {$9300.00}. My payments are {$270.00} a month. My loan is held by Credit Acceptance Corp. When I originally got the loan, I arranged for my payment date to line up with my pay dates, at the end of every month. I submitted my payments by that payment date. Approximately 4 years later, I learned that the company had been considering all my payments as late and I believe reported it to the credit agencies as such. They also assessed late fees to my payments without notifying me. Several of my payments have not been recorded or counted toward the payment of my car or debt. As a result, I have been paying on the car for almost five ( 5 ) years, and I am told that I still owe over {$4000.00} on my car. I have proof of my payments on months which they said were not paid. I presented proof of payment and was ignored. I have repeatedly requested payment history and have never received such. They do not send my monthly statements, and the online account with the company does not allow you to see payment history. There have never been any attempts to repossess my car, despite the inaccurate claims of non-payment. At this point, I believe I have more than paid off this debt, I also believe they have severely damaged my credit history.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I was XXXXXXXX XXXX XXXX XXXX XXXX XXXX caused by an XXXX XXXX  who made an illegal turn, while one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX/XXXX  a XXXX  for almost a year after the XXXX  unit for a month. Im waiting for my third XXXX, Im still recovering over 6 yrs later. 
XXXX has had no empathy or compassion for my circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX a check but it wasnt enough for XXXX, I bought gap coverage from XXXX that was supposed to cover the difference. 
My lawyer tried to contact XXXX to make sure it was taken care of and even with proof of representation they wouldnt speak to him, so he assumed it was taken care of they refused to deal with the person who payed everything when my settlement came in. 
They just took the balance and threw it on my credit report as not paid, being late 30 60 & 90 days. Now being XXXX  as a bad debt which is a complete lie. 
Its not my fault that they refused to speak to my lawyer who dealt with everything when I was unable. 
My list of injuries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc etc etc etc.. I was in no position to deal with bills & Im still not.

I was unable to return to my career that accident ended my 20+ yr career. 
Ive disputed this information repeatedly and they just keep throwing it back onto my credit report, Ive included the check from XXXX XXXX and the gap information from XXXX that is supposed to cover the balance if the insurance didnt. Ive also included the email from my lawyer stating that he has tried to contact XXXX but they refused to talk to him. Everything is always ignored and the bad report is never changed. 
I went to XXXX reviews and wrote a review to find out that XXXX definitely has predatory loan behaviors and has consumers begging others to not get loans through XXXX. 
Ive also filed a complaint with the XXXX, XXXX response was that even with the gap the car wasnt paid off but thats what the gap was for to cover what the insurance doesnt. XXXX XXXX paid over {$11000.00} the car only had around {$15000.00} so the gap couldnt cover around $ XXXX? Isnt that what its for? If there was a balance still owed they refused to speak to my lawyer who was in charge of the payouts from my settlement, how is that my fault? 
Theyre claiming I still owe over {$1800.00}, which I dont.