davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (MO)

On or around, from XXXX - XXXX I saw a lot of preapprovals on credit XXXX, at first i didn't pay it no attention, but credit XXXX kept sending me all kinds of preapprovals telling me that I was pre-approved for credit cards, personal loans, and that I can refinance my car. every day I would see these offers every time I logged in to check my credit scores. so, after a few months of being told that I was preapproved I thought I was known in the perfect place. I got so many offers, though credit XXXX, I started telling my whole family about investments and vacations we were going to use these preapprovals for. So, I applied on or around sometime in XXXX and I got denied for two credit cards and a personal loan. I was distraught and I was very angry, and I felt deceived. I was marketing to for months, so Credit XXXX told me I was preapproved, this was a lie. 
I was severely stressed out, a was XXXX for weeks, I had migraines so bad I became I became antisocial. My anxiety went from XXXX, now every time I see preapprovals, I immediately close my phone and shut my computer off. This has made me so uneasy and anxiously I have checked my credit as frequently as I should.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Unable to communicate with Experian to remove credit freeze placed after I was hacked last year. I have attempted numerous times both by telephone and online. Online questions were unanswerable - involved the last 4 digits of a phone number I may have been associated with 20 years ago. Mailed a letter per their request with all required data. I have had no response. My credit is essentially being blocked by Experian and they are not responding to numerous requests to lift restrictions. They do not have a system in place to interact directly with a customer service representative. I had no problems whatsoever with either XXXX  or XXXX in terms of removing a security freeze.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (NC)

I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have contacted Equifax several times about several accounts that were opened in my name as a result of fraud. The accounts listed on my report for XXXX XXXX XXXX  account XXXX, Several accounts from the DPT/ED XXXX, XXXX XXXX XXXX  acct XXXX, XXXX/XXXX  acct XXXX. I have no knowledge of these accounts nor did I receive any merchandise from them. Please delete these accounts from my report.
Consumer complaint received 2022-12-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (GA)

I owe a bill with Synchrony Bank. I was paying on time until I was unable to pay and I called to tell them and agreed to pay when able. I couldnt pay cause my mom was losing her house and went into ICU do to XXXX XXXX. They put it on my credit report anyway. They sent papers to my home and I called the rep. and they said it was paused. I told the rep I will pay, but was on XXXX and wasnt working. 
Now I have a judgment filed against me without them even reaching out to me. I just talked to a rep. last month and I agreed to pay what I owe. She told me that would not work for them. Now I have this judgment. This is not right. After covid they are bullying me when I kept in contact the whole time. They lied to me. I just started back working the end of XXXX XXXX. My house note is XXXX behind and doing my best to catch up. Please see attachment for date and amount. Thank you
Consumer complaint received 2022-01-04
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX ( company ) took out a business loan based on the company 's XXXX bank statements with XXXX in 2019. The interest rate and payments applied to the account were in dispute. The account went to litigation and was paid in full by the company as a settlement agreement recorded in the court. 

Experian Credit reporting agency has wrongfully continued to report this account on my personal credit report as a charge-off and late payments. 

XXXX XXXX XXXX XXXX, is a corporation ( XXXX XXXX XXXX ), not a sole proprietor. The loan agreement was based on the company 's bank statements and payments were deducted weekly from the company 's business account. I was the authorized representative for the company. XXXX made no attempt to collect from the company and proceeded with unfair collection practices by reporting the disputed account on my personal credit file in an effort to collect payment from the company. 

The dispute was settled in litigation and paid in full. 

This information should not be reported on my personal credit file. The loan was a business loan based on the company 's bank statements and was in dispute and ultimately litigated for over a year and a half. 

The file should be deleted from my personal credit file.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Deutsche Bank (MD)

I transferred XXXX $ from my account in XXXX to my account in XXXX since XX/XX/XXXX, and till now didnt receive it. I knew from the XXXX transaction reference that it passed through intermediary bank which is Deutsch XXXX XXXX XXXXXXXX. I tried to call the wire transfer department within Deutsch Bank with no answer for more than 3 days ( customer service always transfer me to wire department ). When I checked with XXXX if they can trace the transaction, they told me that they can not see this amount in the incoming transactions and told me that it is most probably still on hold in the intermediary bank. The sender bank in XXXX ( XXXX ) assured me that the amount is on hold in the intermediary bank as well and told me that they were asked for additional information by the intermediary and answers were provided on XX/XX/XXXX. So, I kindly request that the intermediary bank dispatch the amount to my receiving account in XXXX as there is no reason for this long hold.
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (SC)

TD Bank received my mortgage payoff on XX/XX/2020. As of XX/XX/2020 - 22 business days later, I have not received a refund of the escrow balance. I attempted to resolve with TD Bank. They initially said a payment was to be sent on XX/XX/2020. Next I was told I would receive funds on XX/XX/2020 ( 20 business days as required by law ). On XX/XX/2020 I was informed " the check is in the mail as of XX/XX/2020 '' and there is no tracking or validation. This appears to exceed my legal rights XXXX " within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. '' They have clearly not returned the funds to me. Stating a check is in the mail is not an excuse.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatoiy items on my credit histoiy. I then decided to pull my credit and I noticed several unknown items. 08 XXXX XXXX XXXX XXXX XXXX 10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. 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 XXXX XXXX XXXX. XXXX  XXXX NA XXXX { XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Please remove these fraudulent accounts from my report. Thank you.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (IN)

Over the months of XXXX and XX/XX/2020, I received refunds to my Chase credit card from XXXX XXXX XXXX for canceled cruises, due to Covid-19. In XXXX I had a balance of {$1900.00} of refunded credit on my Chase credit card account. On XX/XX/2020, I decided to withdraw this balance at an ATM, to be deposited back in my checking account. I discovered at the ATM that I could only withdraw {$500.00} at a time and there would be a XXXX ATM fee. I made withdrawals on XXXX XXXX, and XXXX, for a total of {$1800.00}, leaving enough credited money available to cover the ATM fees. On XX/XX/XXXX, I checked my Chase account to see if the withdrawals were reflected on the credit card balance. That is when I discovered that a {$94.00} Service Fee had been charged to my account for the withdrawal of my accredited funds. I called the Chase complaint department on three occasions, and have spoken to 5 Chase representatives, the last one being, Account Supervisor XXXX in XXXX, FL. She informed me that I was charged Cash Advance fees at the rate of 5 %, and they were nonrefundable. I don't feel these charges apply, since it was my credited money that had been withdrawn not cash advances from Chase.
Consumer complaint received 2024-12-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Myself and property was hit by XXXX XXXX on XX/XX/XXXX. Many of my tenants and properties were damaged. I applied for help and got it with all of my properties but one. SELECT PORTFOLIO SERVICING , INC . They mislead me to believe that I could apply for a program. Which would put the mispayments on the end of the loan. Once I was denied, then appealed it, the truth came out. There policy is that they don't offer FOREBEARANCE unless you leave in the property. From day one this loan was an investment property. Second, once you apply they ask you if you live at property, XXXX everytime you call they ask you if you live there and intent was. So going through the process that took weeks to do, in turn made my payments even more late. Which in turn reported me to the credit agencies. Which ruins your credit, also can't buy or refinance this house or any other. They have completely ruined me. If they would of stated that from the beginning the end result would of been different. They will not take ownership of their misinformation. Or will take the late payments off my credit report. Again I went through this with 4 other mortgage companies, which none of which reported me to the credit agencies. Which also I did qualify for a FOREBEARANCE. Again if their policy states that I don't qualify. Then why let me apply-which states on the application if I live their. Then go through weeks of waiting, which in turn delaying my payments.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IA)

I made a purchase on XXXX at for {$9.00} at XXXX XXXX CDT on XX/XX/XXXX. That is the last legitimate purchase I made on the card. I had a balance of {$270.00}. While I was sleeping the following transactions were made : {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX ending in a balance of {$4.00}. Then I have had notices of declined charges of {$21.00} at XXXX. 
This continued with charges declined for {$6.00} at XXXX. 

When I found the text messages with charges and balances, I called to report the card as compromised/hacked. I was told that the transactions were pending and would have to be complete before a dispute claim can be placed. My account was then put on hold -- not that there was anything left to steal. 

However charges have still been attempted. 
XX/XX/XXXX at XXXX XXXX a charge of {$6.00} was attempted on a card ending in a card I don't have in my possession. This matched neither card I have in my possession. 
XXXX a charge of {$18.00} was attempted on card ending in the mystery card. 

Meanwhile I still have attempts against my account, which is frozen but has had a deposit made from my employer -- that I can't access because my account is frozen. 

I am told I have to wait 7-10 days for a replacement card. 
Normal cards with multiples of the same transaction would have been rejected, a flag put immediately on the account and a new card sent out within 3 days. The only reason this must take so long is that I have been dealing with an offshore phone center. Because they told me the charges initiated in the XXXX -- would you want to deal with an offshore phone center accessing your info?
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (OH)

Around XX/XX/XXXX, I began making payments of {$100.00} every month on the XXXX to a company called XXXX XXXX XXXX, payments which stopped coming out of my account around XX/XX/XXXX. I believed this was because either, I had just filed and been accepted for medical insurance assistance and that was helping me to some degree, or because of Covid-19, payments were paused. However, a new account was opened on my credit report from Capio Partners ( mispelled on the credit report as Capio Parnters ). This was added as a debt of about {$1800.00} which is around the price of my medical bill remaining. The problem is, I was never contacted about Capio Partners taking control over the debt collection from XXXX XXXX XXXX if that is what happened. And more so, I still have two accounts from XXXX XXXX XXXX ( both around {$500.00} ) that I had always assumed was just a weird reporting method as my payments always seemed proportional to what was removed from my credit report. I now allegedly have three derogatory marks on my credit report ( two from XXXX XXXX XXXX never contacting me and simply being unaware that I had a debt to pay, and one from Capio Partners for doing the same ) all for the same debt that was simply not explained properly to me during any given point. I was never called, emailed, mailed, texted, or informed by a person that I hd a debt through XXXX XXXX XXXX until a phone call two months too late and the same thing appears to be happening with Capio Partners.
Consumer complaint received 2020-09-11
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C. (AZ)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am submitting this complaint on my own behalf, without any connection with a third party. I am submitting this complaint against Gurstel Law Firm , P.C . for committing identity theft. I have never given Gurstel Law Firm , P.C . permission of any kind to use any of my identifying information, and as such, they have committed mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with U.C.C. Article 9 that the assignment of a defaulted note is illegal. The assignee and assigned are liable for violations under 15 U.S.C. 1692e ( 12 ). I am legally refusing to pay this debt via the rights granted to me under 15 U.S.C. 1692c ( c ). I am demanding a cease and desist of all illegal activity, and any communication and collection activity, of this alleged debt and any other alleged debt until Gurstel Law Firm , P.C . can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced, and Gurstel Law Firm , P.C . continues its collection efforts, I will file for litigation for damages caused, and Gurstel Law Firm , P.C . will be held criminally liable for aggravated identity theft pursuant to 18 U.S.C 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of this notice, Gurstel Law Firm , P.C . is hereby notified pursuant to U.C.C. 1-202f. Your prompt attention and response to this matter are both requested and required.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — Store credit 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 (CA)

Capital One has provided inaccurate information regarding a dispute, in essence not allowing it. I called in the day the fraudulent charge occurred and was lied to about the dispute process. When calling in the day before payment for amounts which would include the disputed amount was due, the bank informed documents were noted in my account and if the disputed amount is not paid, interest on it would apply. The bank stated I did not provide proper documents regarding the dispute which is not true. The retailer, Walmart, stated I would be contacted regarding the dispute and I was not. The retailer, Walmart, put in inventory a product that belongs online. Walmart charged more than the sticker price for it and did not inform it could not be returned  after charging me more than the price tag cost of it. I dispute the charge and am not being allowed a dispute of the charge in a manner protecting me from the charge or added charges in a way that is transparent or reasonable. No documents are seen on the web page of Capital One which was stated to me today I was responsible for reading. What the bank and retailer are doing is fraud. It is a fraudulent business practice to charge above a price tag on an item without explaining the charge would be added to the item, and it is fraud to not inform a customer both the charge on the price tag, an the added charge not explained was not returnable. No return policy was explained before the purchase, which Capital One states I was responsible for explaining to them while confusing me about allowing a dispute after the disputed purchase is paid, forcing interest on an item the bank has refused to dispute. No explanation that correspondence was requested to be online was provided when making the dispute on the day of the purchase ( XX/XX/XXXX ) was given while stating a letter would be mailed by XX/XX/XXXX if the item was not one a dispute for would be upheld. Walmart, once again, informed I would be contacted regarding the dispute yet did not contact me. These practices of each retailer seems designed to overcharge without reasonable recourse, hence the complaint I am presenting here.
Consumer complaint received 2020-08-20
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: WELLS FARGO & COMPANY (GA)

Wells Fargo is dragging their feet in processing my dispute with XXXX XXXX. I have spoken with my dispute specialist XXXX XXXX XXXX-3 times in a four month plus period about this particular dispute. I have not heard from her since XX/XX/XXXX when she was going to reach out to the merchant. Even with Covid-19 this time frame is unacceptable and I have no way to directly contact Ms. XXXX.