davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
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. (DE)

RECENTLY I NOTICED A COLLECTION AGENCY BY THE NAME XXXX XXXX XXXX ON MY CREDIT REPORT FOR A COLLECTION OF AN AUTO LOAN THAT DOESNT BELONG TO ME ... .I FILED A ID THEFT REPORT AND WOULD LIKE THIS REMOVED FROM MY CREDIT PROFILE
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

Re : Dispute of Debt Collection Account XXXX XXXXXXXX To Whom It May Concern : I am writing to dispute the validity of the debt referenced in your recent communication regarding Account XXXX XXXX. I do not believe that I owe the amount claimed, and I am requesting that you provide verification of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I dispute the debt based on the following reasons : Incorrect Amount : The amount claimed does not match any debt I owe, and I have not received any prior notice or documentation regarding this alleged debt. 

Lack of Verification : I have not received any documentation proving the validity of this debt or demonstrating that you are authorized to collect it on behalf of the original creditor.

Statute of Limitations : The statute of limitations for pursuing legal action on this debt may have expired, and I request confirmation of the relevant dates. 

Until you provide verification of the debt and its validity, I request that you cease all collection activities, including but not limited to calls, letters, and reporting to credit bureaus. 

Please respond to this dispute in writing within 30 days from the date of this letter. Failure to provide the requested verification will result in further action to protect my rights under the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Companies falsely reporting inquiries to my credit are as follows : 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 XXXXXX/XX/year> I did not authorize these credit pulls and request they be investigated and removed.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (SC)

I have interest charges, returned payment fees, and interest as well as 2 fraudulent charges I am attempting to dispute both from the company XXXX  removed from my account. 1 that I was just recently made aware of was on XX/XX/20 for {$100.00} and the other is from XX/XX/20 for {$9800.00}. Both are Fraudulent charges that I am trying to get removed. I have sent you via USPS Mail XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Delivered Monday XX/XX/XXXX to your PO Box documents that have been marked up for these charges. This is NEW EVIDENCE and I have attached my letter that I sent along with these documents to this complaint. Additionally because you failed to put these charges on hold, my auto payment failed since I do not have sufficient funds to cover these fraudulent charges and I will not pay for them as is my right under the FCBA. Furthermore, if you attempt to report this non payment to ANY credit bureaus you will be in violation additionally of the FCRA. As a result I now have the fraudulent charges as well as a returned payment fee, late payment fee and interest.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CO)

On the XXXX day of XXXX in the year 2023, XXXX XXXX and I ( as the Authorized Representative and Beneficiary of my Estate ) agreed upon a price for an automobile. I am contractually obligated to tender payment. I provided them with lawful tender and authorized the discharge of the debt. XXXX XXXX deposited the tender of payment and debt discharge authorization with their bank, CHASE. After a couple weeks of waiting, I finally talked to someone at the Executive Office with CHASE, XX/XX/2023. The representative informed me they refused to do buisness with me because my method of payment wasn't a preferred method and acknowledged that the method provided is a method of payment, just not a preferred method. On XX/XX/2023, I took the method of payment to XXXX XXXX because I bank with them and instructed them to discharge the debt. They sent information to their legal team and I haven't heard back yet. I also tried to extend my credit by applying for a personal loan and XXXX XXXX refused to extend my credit when I spoke with someone at the Executive Office on XX/XX/2023. All debts are the obligation of the United States to discharge and depository institutions are required to perform the transaction pursuant to 31 CFR 357.13 and 12 CFR 1249.12. CHASE and XXXX XXXX have both breach their fiduciary duties towards me as the Executor of my Estate and Beneficiary under the XXXX XXXX XXXX.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (KY)

I applied for a home refinance loan last week. I received the HUD disclosures today. The institution that we are refinancing with is XXXX XXXX XXXX XXXX. No issues with them. In the consolidated credit information ( from all three credit reporting agencies ), it was reported that I had a balance of {$5600.00} with JP Morgan Chase on a credit card. I called the bank and I was told I had to take that up with the credit bureaus and they had no further intention of doing anything about it. I spoke with XXXX  and XXXX. They both verified that their systems showed a XXXX  balance. I spoke with the folks at XXXX  and they refused to allow me to submit a dispute. So, I have issues with both JP Morgan Chase and XXXX.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/year>, Truist Bank closed my account without warning. My paycheck for over {$2000.00} was deposited on XXXX XXXX ( confirmed with employer ). As of today, Truist refuses to give me my money in my account. I have called countless times. Im at the end of my rope.
Consumer complaint received 2020-12-07
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: EQUIFAX, INC. (VA)

On the XXXX XX/XX/2020, I sent a letter to Equifax asking to show me how they are validating a debt when other bureaus are stating that they can not verify this debt. I sent information showing this and have not received anything back within the last 30 days.
Consumer complaint received 2017-05-21
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: COMMUNITY CHOICE FINANCIAL, INC. (SC)

I received a notification on    XXXX   XXXX   XXXX      of a new inquiry from Cash Central at  XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I called their customer service line at  XXXX  and after being placed on hold by the automated system and again by the first customer service agent,  XXXX , a supervisor that refused to give me her last name, told me that an inquiry was generated for a loan but the application was denied. She refused to tell me who/where the inquiry came from stating that she did not have access to that information. She said that she will initiate a removal of the inquiry but did not give any other information such as how long it would take or what courses of action I had.
Consumer complaint received 2021-09-02
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. (NY)

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized JPMCB AUTO FINANCE Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within,30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

Hi- I purchased two {$100.00} gift cards from American Express and both were declined at in store retailer-XXXX XXXX  in XXXX XXXXXXXX XXXX FL XXXX 

I attempted to access Amex 's giftcard online balance and purchase history but it kept giving me the same error message. ( upon reviewing, I found many complaints online about this ) I then attempted to call and utilize Amex 's phone automation help but it could not help so I waited to speak with cust serv and after waiting and then explaing the situation I was transfred to another dep't where had I explain the situation again. After over 1 1/2 hours of being on hold I was eventually disconnected ... .this happend twice. 

XXXX card .... {$100.00} XXXX XXXX XX/XX/29 XXXX card ... {$100.00} XXXX XXXX XX/XX/29
Consumer complaint received 2016-02-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TD Bank, XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX, XXXX XXXX : Loan number XXXX To whom it may concern : Last week I received a notice from TD Bank stating that my loan payments are past due. I have spoken by telephone with TD Bank representatives numerous times in the past year to dispute late-payment fees and repeated claims that I am behind on payments, and we have gone over my loan-payment history, which shows that the total amount I have paid since I took out the loan is sufficient to cover every month through the end of XXXX, and yet I am still being harassed by such claims and fees. 

Upon reading the latest notice, I called TD Bank yet again, and was told this time that TD Bank has received no payments from me since XXXX XXXX. I acknowledge that I did not make a payment for XXXX - the reason being that I have been in full-time job-training classes since XXXX and currently have no income other than inadequate unemployment compensation - but according to my records TD Bank processed the payments I made for XXXX, XXXX, XXXX and XXXX XXXX. 

In view of the fact that for the first 48 months of my loan I made payments in full or above and on time, even for eight months after losing my full-time job in XXXX XXXX, I believe I deserve some accommodation now that my only income is unemployment compensation that barely covers groceries and auto insurance premiums. I have asked that payments I made in excess of the monthly amount due between XXXX XXXX and XXXX XXXX, which add up to {$410.00} over the total due, be applied to XXXX XXXX, which is the fair way to count how much of my loan I have repaid to date, but my requests have been ignored. As of today i called and I was told that I have not pay XXXX/XXXX/XXXX. according to my record I made XXXX payment on XXXX and check number XXXX was cash on same day. every day I do call TD bank is always same story. 
I have been told to go to XXXX at my local TD Bank branch in XXXX, New Jersey, sit with authorized person to review my account with me but was not success, so I would like someone who is authorized to meet with me in person and go over all of these issues. I also notice that the report that TD bank submitted to XXXX and XXXX are untruth. On XXXX/XXXX/XXXX, XXXX history report in outstanding balance of {$5300.00}. According to my record balance is {$4400.00}, without XXXX/XXXX/XXXX payment once I pay XXXX my balance will be {$4000.00}. Please update my account records.I sent this copy to TD bank they still want to claim what they want and I 'm paying my bills I do not know what they want. they keep on sending me all these letters. Please someone read what I wrote to them and explain what I 'm saying. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-08-09
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. (PA)

XXXX/XXXX  continues to report the account status of an account discharged in a chapter XXXX bankruptcy, every month on XXXX. A letter was sent to XXXX/XXXX  to ask them to stop, but in response, XXXX has now updated that status to current on EXPERIAN as well. Credit score dropped 26 points.

They must stop monthly reporting and updating the status fields status updated on and balance updated every month. This can be seen as an attempt to collect a debt that has been discharged in a bankruptcy, a violation on the FCRA.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (OK)

I opened this card in XXXX of 2023 and didn't realize I had opted in for the credit protection option. Once I received my first statement I saw there was a fee and what it was for etc and decided to cancel it. I called the number on the back of the card and spoke to several people before the last one said ok ive removed this it won't auto renew anymore. Fast forward to XXXX I was checking my statement ( I don't as often as I should because the online access rarely works to view statements ) and the charge is still being deducted monthly. I called again this time couldnt get anyone for about XXXX weeks. I was over XXXX in the calling que. Once I finally got in touch with someone they again assured me it was removed and they would credit the previous fees of as well. Well I guess Im just a sucker because its still charging me and I can't get them to do anything about it if I can even get ahold of them at all
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (MN)

I filed a complaint against TD Retail for purposely being unhelpful when I was getting XXXX  by their policies - I had made the apparently unforgivable mistake of paying a day early. In retaliation for complaining, they intentionally messed with my credit score. The useless, extremely unhelpful female I spoke to is obviously to blame as I told her how worried I was about my credit since I'm looking to buy my first home. 

After daring to pay a day early, my available line of credit was reduced from {$1200.00} to {$350.00} - just a little under how much I still owed making it so my credit report would show me being OVER my limit, therefore reducing my credit score even more than just a missed payment reported. That's when I complained via the phone. The female I spoke to was so useless I filed a complaint with this website.

Then, this month when I went to make a payment my credit limit was further reduced to {$100.00} when I still owed about {$270.00}. That is a significant amount over my limit which caused my credit score to plummet. 

What other purpose would reducing my credit limit twice - to under what I owed both times - serve other than to punish me? How utterly petty and vindictive. My credit took such a big hit it'll be at least a year before I can even use my VA loan, which has lower standards than most.
Consumer complaint received 2024-03-15
Product: Credit reporting 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. (SC)

I went to XXXX XXXX XXXX of XXXX SC to trade in my XXXX XXXX XXXX that I purchased from them and was told that I would be on the family plan and get the perks that came with it. The dealership told me that they were unable to pull my Equifax credit report and I have called Equifax multiple times a day since Saturday XX/XX/XXXX and verified all of my information and lifted the freeze and fraud alert because I have been the victim of identity theft since XXXX when my identity was compromised from the IRS and has been compromised multiple times since then and twice again from the IRS. Equifax told me there is no reason that XXXX XXXX XXXX should not be able to see my Equifax report and even told them to call the business line at Equifax as well as email equifax.com/business to come to a resolution Equifax mailed me XXXX hard copies of my credit report and the dealership said they could not use those that it had to be pulled from their website. I am unable to see my own Equifax credit history from my equifax.com. So how am I to buy a car or purchase a home if no one or me can see my Equifax credit history. It seems that XXXX XXXX XXXX as well as Equifax are not concerned with my dilemma. I'm a XXXX XXXX of XXXX years and I XXXX XXXX my entire life but can not find anyone to help me get this issue resolved and get my life back Please help me. Thank you
Consumer complaint received 2019-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (FL)

I am currently enrolled in the PSLF program, having worked full-time for XXXX   XXXX  XXXX XXXX after consolidating my loans toward the 10-year/120 qualifying payments for loan forgiveness. Since my loan was purchased by loan servicer XXXX XXXX XXXX I have put in requests for updated calculations on the qualifying payments I have made ( in total - including the payments I made to prior servicer XXXX ). Over the course of a year, I have been requesting the updated calculations over the phone at XXXX XXXX XXXX. Beginning in XXXX, I was told that my request had been put in and to wait 30-XXXX days, again in XXXX I was told to wait another 30-60 days. We are now in XXXX and I have not received an updated calculation. As I am now nearing the end of my qualifying period, I require an updated calculation. I am receiving as I type the same information and no movement toward calculation of my remaining qualifying payments. Though I have paid for over 6 years and made all my payments, their online tool and their representatives show I have 110 qualifying payments remaining as though I have *only* paid 10. This is very very very incorrect.
Consumer complaint received 2019-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IN)

While working with Caliber Home Loans for my mortgage servicing, they tend to lack transparency. 

When a change is made to your recurring mortgage payment amount your existing payment is cancelled without notification. There is no email or message that you need to pay the existing payment and that they have cancelled it ( I even reached out via email and received no response ). Eventually you get a call from a debt collector asking you to pay and you get charged a {$3.00} fee for a one-time payment. 

There is also a {$27.00} fee for being late, but you are not notified about this charge as it is rolled into the one time payment. 

They are currently refunding my {$27.00}, but my concern is that unaware users are getting charged late fees with no notification or transparency. Cancelling your existing payment without notification and then charging a late fee is a very concerning business model.
Consumer complaint received 2021-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

My order number : XXXX current order contains XXXX bitcoins, worth $ XXXXTransaction hash address XXXX I asked for a refund, but Coinbase Commerce ignored my refund, I was told to continue to make the payment, that I had made the payment, and that my merchant had confirmed that I had made the payment, but Coinbase did not acknowledge their error, that they had committed fraud, infringed on my legitimate assets, and wanted to encroach on it
Consumer complaint received 2022-06-09
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: Santander Consumer USA Holdings Inc. (TN)

Its inquires I know nothing about someone said someone was trying to get cars and furniture under my name XXXX XX/XX/XXXX Santander consumer XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}