davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-08
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (MN)

On XXXX XXXX 2015 my significant other passed away, he was a secondary card holder on my account as is my niece, I am the primary card holder. On XXXX XXXX 2015, Netspend who has my prepaid card sent me an email stating not to use my card until I call them and when I spoke to a CSR he said risk management closed my account due to a secondary card holder 's death. When I tried to explain that I was the primary, I was told that risk management closed it and it was n't reversible. I made a complaint with the XXXX and Netspend responded with " anytime there is a death with a primary or secondary card holder the account is closed '' per their terms yet I could not find anything about death of card holders except that the XXXX card holder is responsible for the XXXX card holder card use. The CSR told me they could order a new card and account number but they ca n't reopen my account. I asked to speak to risk management and was put on hold, the CSR came back on the line again to tell me that they could open me a new account etc. I tried to explain to him that my payroll checks and my significant others checks still go to that account ( I 'm entitled to payments from his various holdings as his beneficiary ) again I was told they could open a new account for me and because of this my checks from his accounts have been put on hold for verification. After I contacted XXXX and the company contacted them I received a phone call from a XXXX XXXX and he left a message stating he was in the office until XXXX CST I retuned his call at XXXX CST time and he was not in his office, then I emailed him and told him and the XXXX that I would be contacting you, he has not called or emailed since I first emailed and called him.I do n't feel that they should have closed my account and at best they should have contacted me so that I may explain why his name was n't remove from my account, but know they closed it then contacted me
Consumer complaint received 2020-08-31
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)

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 given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX   XXXX {$300.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$43000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$750.00}
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Starting on or around XXXX, XXXX, current consumer information has been inaccessible via my online account at www.service.transunion.com. Additionally, each time I have attempted to log on, it required a live customer service agent and/or was escalated to supervision within the technical support/dispute areas of the organization. Lastly and most importantly, when requesting to view my credit report online, the dashboard states the message : " credit report has not been updated since XXXX, XXXX. '' The lack of attention to my requests to dispute the same issues repeatedly even after my attorney and I provided relevant documentation supporting the requests more than one as well as Transunion 's inability to provide current updated online credit reports that are readily available for download access is very disappointing, and life altering because of the countless credit denials I have received that is affecting my livelihood. 

I want all dispute requests regarding corrections to accounts such XXXX XXXX and all XXXX loan accounts that should both indicate XXXX balances due to documentation submitted and federal XXXX  loan forgiveness completions completed immediately. 

Please help me.
Consumer complaint received 2024-03-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (FL)

They claimed that the first date of delivery was XX/XX/XXXX. I never receive a bill from them until 2.5 years after my XXXX  visit. I had full XXXX at that time and everything was paid for that visit and I had no problems with any other doctor there asking for payment. After almost 3 years I called XXXX  and the XXXX XXXX XXXX XXXX and asked both to resubmit this and get it paid. XXXX and then I didn't hear anything for another year. then again I get one letter saying I haven't paid. so this is no XXXX went through the same thing and no XXXX said they don't go back that far. but did confirm I had medical insurance in full when this XXXX visit happened. Fast forward to XXXX, I got another letter from a lawyer saying to pay {$810.00} approx. and now it's on my credit report as a negative. I honestly don't even think that they serviced me at the XXXX because all the other Doctors were paid. i believe it's fraud and now my credit is bad. 

Collection Agency ABILITY RECOVERY SERVICES , LLC Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$810.00} Amount {$810.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact ABILITY RECOVERY SERVICES , LLC XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-14
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: AMERICAN EXPRESS COMPANY (FL)

American Express ( bank ) inquiry XX/XX/2022 XXXX XXXX Bank XXXX finance ) inquiry XX/XX/2022 XXXX XXXX Retailer ) inquiry XX/XX/2022 XXXX XXXX inquiry XX/XX/2022 I dont recognize this inquiries. I didnt give authorization for this inquiries
Consumer complaint received 2020-11-17
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: CBC Companies, Inc. (TX)

READ THIS DESCRIPTION THOROUGHLY : I have already sent all my information from my ID and bills through certified mail on XX/XX/2020 to all these 3 major credit bureaus. They can check my complaint then quickly within 1 day ( examples are below ) close my complaint case so quickly, but can not follow the FCRA law to verify the unverifiable, unauthorized, inaccurate, fraudulent negative accounts that are in my report. How are you ( XXXX, XXXX and XXXX ) as a company to look at my complaint so quickly, close my complaint so quickly, tell me MULTIPLE TIMES I need to send/mail my information you when I HAVE ALREADY SENT IT TO ALL 3 COMPANIES ( XXXX, XXXX, and XXXX ). This matter is completely UNACCEPTABLE! 
XXXX Company 's Response We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 

( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020 I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) STATUS XXXX Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you.

Again! ( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL I have sent to all 3 credit bureaus of my current drivers license and utility bill in XX/XX/2020, violating my rights. In violation of the FCRA law!!! ) REMOVE ALL MY INACCURACIES OFF MY REPORT!
Consumer complaint received 2024-03-14
Product: Credit 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: SYNCHRONY FINANCIAL (TN)

I filed a dispute with Synchrony bank for non receipt of an order on XX/XX/XXXX. I had to contact them several times since they did not resolve my dispute. Since the items were to be shipped by a marketplace merchant they use on their website, they said I needed to work with the merchant and they could not help me. I explained that I made the purchase on their credit card and that the merchant had been contacted but has refused to send me the order, only saying they would get back with me. On XX/XX/XXXX, they indicated they saw that they received my dispute but had not been resolved and appeared that the disputes department missed resolving the issue and would again have it re-reviewed. The bank has not resolved my dispute and has refused to credit my account, even though it has been more than 60 days since they received the dispute. Synchrony bank should not do business with third party merchants since they try to use this as an excuse not to resolve customer issues when using their bank credit card. 


details of the dispute : Disputed transaction {$45.00} posted XX/XX/XXXX XXXX # XXXX which was processed online at XXXX website
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (NY)

When I spoke to them they said there was a 15 day grace period. They charge the fee right away not allowing the grace period to be given to the customers. The phone number listed don't work ; they only give two options and disconnect. Only option is a live agent ONLINE and they are always busy. No service or help. Takes days to get a hold of them. 

I need helpXXXX XXXX and can't afford these late fees each month. The grace period needs to be honored.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Unknown accounts Fraudulent reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (WY)

Was threatened in XX/XX/XXXX with a lawsuit, now being threatened with the company filing a XXXX with the IRS and said I could go to prison or I can pay {$3500.00} to make it all go away. This is on a credit card with last activity from 2005
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (NY)

I opened a XXXX XXXX  checking account with BMO on XX/XX/2023. I opened it using a sign up promotion of {$400.00} if I set up a direct deposit of {$4000.00} or more from my employer or a government income source such as social security, tax refund, or treasury payment. I satisfied this requirement prior to them closing my account with no warning.
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MD)

I took a car loan of XXXX dollars with an APR of 25.99 % ; I am to pay a monthly payment of XXXX dollars. I made my first payment of XXXX, which was due on XX/XX/XXXX and ended up as a principal XXXX and interest XXXX, and I made a second payment of XXXX dollars ; they took the interest of XXXX dollars and a principal of XXXX dollars. My calculations show that interest ought to be XXXX dollars. I have called, but they have yet to respond. I want this to be investigated, and the proper deduction should be applied. The name of the loan body is Westlake Financial.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (KS)

Bank : Chase Bank Account Type : Total checking account Check Writter : XXXX Bank XXXX from an XXXX XXXX Check 1 {$4500.00} Check 2 {$22000.00} Both posted XX/XX/XXXX however, the funds were frozen On XXXX there is a debit DDA - Check Charge for {$27000.00} ( total of both checks ) On XXXX I call XXXX old and prevention, but we dont get anywhere. They just tell me that the funds have been taken out of my account and are being held by them until they can prove they are intended for me. I tell them that they at least need to return them to the sender ( XXXX XXXX XXXX XXXX ) as I am no longer interested in doing business in such a shady manner. 
XXXX at XXXX I have a call with my private banker at my local branch ( Chase Bank XXXXXXXX XXXX ) we get on a call with loss and prevention where we have a long call for about XXXX minutes before they call XXXX and can finally have someone confirm the funds are for me. At the conclusion of the call, XXXX agreed to reopen the account ( which they did XXXX ) and that the funds would be in the account on Tuesday XX/XX/XXXX. As of today ( XX/XX/XXXX @ XXXX AM XXXX ) the funds are not in the account and I have not heard anything from XXXX in terms of an update on the funds. 

Communication : Chase bank hasnt sent me any formal documentation as to what is going on. Everything I have learned has been from me reaching out to them. 

*This is originating from a XXXX account, the trust documents have all been provided and approved by XXXX XXXX XXXX. I have deposited other checks from this Admin trust with NO issue in the past.
Consumer complaint received 2024-03-14
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: Radius Global Solutions LLC (GA)

They are a 3rd party collection agency stating I owe the amount of {$2000.00} with interest being the amount of {$570.00} for a total of {$2600.00}. This debt states the date of the amount owed is from XX/XX/2012. The statue of limitations for collecting on a debt in GA is 6 years and it can not be reported to the credit bureau after 7 years if no payments have been made to start the clock again.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sequium Asset Solutions, LLC (FL)

On XX/XX/year> at XXXX XXXX, and again on XX/XX/year> at XXXX XXXX, I received a call from XXXX with a caller ID listing of XXXX XXXX XXXX. On XX/XX/year> at XXXX I received a call from XXXX with a listing of " XXXX ''. On XX/XX/year> I answered the call from XXXX and was advised that the caller was calling from Sequium Asset Solutions , LLC, a debt collection company. I pointed out that the caller ID indicated the call was originating from XXXX XXXX, which is a legitimate power company located in Texas, but was told she was not aware of why the caller ID would indicate this.The company is intentionally providing false information to consumers in an effort to get the consumer to answer the phone.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (NE)

On XX/XX/XXXX I sent letters to Experian, XXXX and XXXX regarding unauthorized inquiries on my credit report negatively affecting my profile. I also requested my address to be updated reflecting my current address only and deleting all addresses reporting that I am not associated with. As of XX/XX/XXXX I have yet to receive a response.
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (MA)

I applied for a credit card with Chase. They mailed the card to an old address that I have n't lived at in years. Fortunately, I know the people who live there now, otherwise I never would have gotten my card. I called to ask them what happened and they just ignored me. They wo n't tell me what data they have for my address or what went wrong. Then for some reason they they tagged my card for fraud and shut off my credit access. They wasted a lot of my time trying to solve a mistake they made.
Consumer complaint received 2024-04-15
Product: Credit 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: ALLY FINANCIAL INC. (IL)

On XX/XX/2024, at XXXX XXXX  I received a text alert from Ally Credit Card about suspicious activity on my credit card. I was asked if I made the purchases, and I responded XXXX ( no ) the charges included XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX {$600.00}. After the alert, I attempted to contact at the number provided, but customer service was unavailable ( weekend ). 

I followed up on Monday, XX/XX/2024, and with someone in the fraud department and advised of the situation. I was told that these charges would be investigated, and my card would be canceled ( # XXXX } and replaced with a new one ( # XXXX ). After a few days those aforementioned charges were removed and sometime later, I received a new card. 
However, after reviewing my statement for the month of XXXX, noticed another XXXX charge in the amount of {$550.00} which was made on XX/XX/2024. I contacted the fraud department on four different dates, and I was told on the first and second call that the case is being investigated and it should be resolved within 30 days. I advised that I was concerned about the interest that would accrue as well as the effect on my credit score. I was told that interest would be removed when the case is investigated. I asked for a claim number and was not given one. 

I called back on XX/XX/2024 and spoke with XXXX and she said they had 90 days to resolve it. I asked for a copy of this disclosure she was reading from and a supervisor and was given neither. She did not assist, only stated that she would look into it. I asked for a call back and she refused. I advised her that this charge was likely a part of the original fraud claim. She did not agree or disagree. I called back on XX/XX/2024, and spoke with XXXX and she did not provide any assistance or new information. 

On the same day, I was told by a customer service representative ( not in the fraud department ) that there were no notes or reference number related to my claim. However, she kindly stated that she would add notes.
Consumer complaint received 2024-05-01
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

Synchrony bank closed an account with someone's personal slanderous, maligning opinion. " Activity in account ( s ) with synchrony bank indicative of high risk of " failure to pay. '' Account they are referring to has never had a late payment ever and I did NOT enroll this account as I felt justified in paying entire amount. Second I am in a structured debt settlement program, in which I have already settled 75 % accounts with these bloodsuckers including their " inflation '' charges. They put another negative statement on my credit where it would have shown I paid it all off and closed in good standing. If I were at high risk of failure to pay, why are they getting paid above principal on amounts they have jacked up another 30 % bs fees on? This company is NOT willing to work with consumers. Until you bring in a third party, they are worthless. This company is an ambulance chaser buying up all credit card companies, putting the working person in financial bankruptcy. I could have filed, or just not paid a dime and let them write them all off. Really motivates me to NOT want to pay these vampires another dime on any remaining accounts.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ULRS, Inc. (CA)

Your Company is in violation of the Fair Debt Collections Practices Act. ( FDCPA ) By obtaining a credit report without a permissible purpose by law. I have not initiated any transaction with your company, furthermore I do not have an account as defined under 15 U.S.C 1693a ( 2 ) an 1618b ( a ) 3 ( f ) ( 1 ) with your company for collection.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my credit report it shows that I have an open credit card with XXXX. That is not the case. I only possess XXXX credit cards, XXXX through XXXX Bank and XXXX through XXXX XXXX Bank. My father whose name is XXXX XXXX has the XXXX card in his name. My name is XXXX XXXX XXXX. We are not the same people.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX bank did not comply with the Fair Credit Reporting Act, section 611. I submitted a judgement ( attached ) regarding the disputed amount on XXXX XXXX, 2015, and they failed to respond within the statutory 5 business day period, even when I had provided my email and requested to be notified via email to expedite the process.