davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
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 (AZ)

After many years of being a CapitalOne customer, they have " permanently restricted '' my 3 card accounts and they can't tell me why with any specificity. They asked me to provide ID and social security cards for authorized users ( even AUs who were removed over a year ago ). I provided what I have, but they say it is insufficient but refuse to say what is missing or why it is insufficient. They won't even say which AU they are concerned about. 

Card ending XXXX ( personal card, had XXXX  - never more than 2 at a time - Has accumulated rewards miles that they won't let me redeem ) Card ending XXXX ( business card, never had an XXXX  - Has accumulated rewards cash that they won't let me redeem ) Card ending XXXX  ( business card, never had an XXXX  - Has accumulated rewards cash that they won't let me redeem )
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Before anything, I would like to thank the representatives at the credit bureaus that someone has helped in a way. I understand today 's difficulties.I am in the process of closing on my house, and the bank discovered some inaccurate accounts that needed to be addressed. On XX/XX/XXXX, I sent a series of dispute letters to the credit reporting agencies, I hoped to have an answer pertaining to these issues. After not receiving any notifications from them, I decided to contact them by phone. After speaking to someone with a very. broken XXXX, I was told that, they didn't believe, I was the person that typed the dispute letter. Frankly, I found it terribly disappointing, and offensive coming from someone without proper knowledge of the XXXX language. After verifying the fact that I HAD DISPUTED the accounts, the call went silent. It has become a terrible hassle to have some accounts properly invested. I have spent so much time, trying to review, and study federal law to be able have a good chance at winning this unjust situation. Furthermore, I would like to mention the fact that, according to section 611 of the FCRA, the bureaus must investigate and respond within 30 days. Failure to do so, will result in a lawsuit. I have also notified my attorney about this issue. Failure to close will result in losing my deposit. It will create actual damages for me and my family. In my actual dispute letters, I request investigation on XXXX XXXX act # XXXX, and a XXXX XXXX XXXX XXXX. act # XXXX. I SUBMITTED proper proof of address, my state ID, and a well written letter highlighting all of the issues located, and found a link to these 2 accounts.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NV)

In XXXX of this year I disputed XXXX charges on my American Express credit card account due to fraud. 

XX/XX/XXXX : XXXX - {$38.00}, XX/XX/XXXX : XXXX - {$300.00}, XX/XX/XXXX : XXXX - {$540.00}. 

XXXX of these charges have been credited back to me but XXXX has not ( {$540.00} XXXX. I had to " re-open '' the fraud case XXXX additional times ( case # XXXX & XXXX XXXX. I did not get the case number for my original call. 

Im not sure why this one remains outstanding because all XXXX charges were made by the same person. The backup paperwork provided to me by AmEx clearly shows that I was NOT the person who ordered OR received the items, but rather someone named XXXX XXXX, living in XXXX, TX XXXX I live in XXXX, NV XXXX. 

I had my card in my possession and the time and have since been issued a new card, I did NOT authorize anyone to use my card, NOR do I know this person. Im surprised that someone could even use my card and that XXXX and American Express would approve it when he used his name for the purchases, and I do not have any authorized users on my card. 

I must also mention that Ive been told on at least XXXX different occasions over the past few months that my previous case XXXX XXXX ) on this issue was resolved in my favor and that I would receive credit on my next statement. This is very frustrating as Ive made at least XXXX calls, spending hours on the phone and still no resolution. 

XX/XX/XXXX - I made XXXX last call today and was again apologized to and assured I am not liable for fraudulent charges and I would have an answer in 3 days. 

Thank you for your assistance in this matter.
Consumer complaint received 2020-10-15
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: OpenRoad Lending (CA)

There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
Consumer complaint received 2019-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

I opened a checking account with TIAA Bank on XX/XX/18 with promotion that stated : " {$150.00} bonus : Offer details Open and fund your first Yield Pledge Checking account with the required minimum opening deposit by XX/XX/2018 Then make direct deposits totaling at least {$1000.00} within 90 days after account opening Mention offer code XXXX when opening the account Your cash bonus will be deposited into your account within 120 days of account opening, as long as your account has remained open and in good standing ''. 
I completed direct deposits, but never received the bonus. 
Now the bank is saying that {$5000.00} opening deposit was required to get the bonus, although it was never mentioned in the offer details. They say that " required minimum opening deposit '' actually meant {$5000.00}, however it's not clear how I was supposed to know that. When I opened it online it was also never mentioned about {$5000.00} requirement during the opening process. 
I believe this is a scam that bank used to attract customers and to avoid paying bonuses.
Consumer complaint received 2021-03-05
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. (VA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Medical XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Medical XXXX Date XXXX Balance : {$200.00} - XXXX XXXX XXXX XXXX Date Opened:XX/XX/XXXXBalance : {$0.00} ISPC XXXX Date Opened : XX/XX/XXXX Balance $ XXXX
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Paypal shutdown my account and Last XXXX XXXX  paypal deducted my money from my account in the amount of {$58.00} US dollars, And my account was permanently limited. I have no violation, and I comply with their legal agreements. I want to restore my account. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (AR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-21
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. (SC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (NJ)

This is a complaint about TSI - Transworld Systems Inc. I have tried to resolve this numerous times with them myself over the phone but to no avail. 
They claimed numerous times that they mailed me letters but they did not. 
They placed a collections on my credit for {$370.00} a couple months ago already, which is totally bogus. It's a XXXX XXXX bill that they and my insurance from 4 years ago have resolved but yet they put it on my credit WRONGLY. We sent them the insurance info about two years ago when they initially invoiced us but they claim it wasn't accurate bla bla. The insurance company is from 4 years ago and they long closed the case. I disputed it with the credit agencies as well and some have removed it from my credit. There is one or two ( out of the three ) that is still on because TSI claims it is correct, Well, it is totally dead wrong and should be removed. There is no one to talk to at TSI. They never figure out where the dispute status is up to and they never send letters in the mail. I request full legal action against them and to have the collection removed from my credit immediately. 
Thanks!
Consumer complaint received 2020-09-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (PA)

This case has to do with a lease disposition fees I contacted GM financial customer service, and XXXX XXXX VP Customer experience with negatives results. Filed a better business Bureau complaint with negative results. 

I have been a XXXX XXXX lessee since XXXX renewing a new lease every two or three years. I intended to do the same this year when my lease a ( XXXX ) XXXX was scheduled for return on XX/XX/XXXX. In late XXXX, preparation for the return and shop a new XXXX, I made countless calls to the dealership XXXX XXXX but they and other dealerships in the area were closed due to Covid-19. I contacted GM financial and was issued a two month extension. 

Please take Note that in XXXX and XXXX GM financial was broadcasting TV advertisements targeting new buyers and NEW lessees with discounts for the XXXX XXXX despite the dealerships being closed. There were no offers for current lessees. 

I live on a fixed income since I retired in XXXX and need a car to drive to doctors appointments and ( 5 ) hours of XXXX XXXX three days a week. I had very little time to wait and so decided to lease a XXXX XXXX instead because the dealership was open, allowed a test drive and made an offer where my payment was a few dollars less  than my current lease payment. 

I received a bill from GM financial for a disposition fee of {$430.00} because I did not purchase or lease a new GM citing the clause below ; " Costumer leasing Act Disclosures : 4. Other charges ( not part of your scheduled payment ) A. Disposition Fee ( if you do not purchase the vehicle and we do not waive the fee under Item 23 ( t ) {$390.00} 23 ( t ) Disposition Fee Waiver : The item 4A Disposition Fee will be waived if you purchase or lease a new General Motors Vehicle when this lease ends. '' If you check my history you will find that I was current on all my payments, and that my credit rating is in the XXXX and above. I was a XXXX XXXX XXXX who used discretion in deciding on whether to XXXX XXXX XXXX  and individual using the letter of the law or the spirit of the law. GM financial is using the letter of the law in there one sided contract. It is a punishment for not buying or leasing a new GM despite their neglect of making lease offers to current lessees.

Its interesting that my tax dollars went to bail GM via the TARP in the financial crisis on XXXX and they wont waive a XXXX charge cause by the pandemic such greedy XXXX. 

Thank you in advance for considering my petition. 

Respectfully submitted
Consumer complaint received 2022-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (IL)

Due to XXXX, we were put on a forbearance plan from XX/XX/XXXX - XX/XX/XXXX. Then it was extended until XX/XX/XXXX. Our hardship was resolved in XXXX, XXXX. We have been making our monthly payments, primarily in XXXX installments of {$620.00} and {$620.00} since XXXX, XXXX. We have applied for loss mitigation on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We have been trying to work out a solution. We have proven on our loss mitigation application that we can afford to make the current monthly payment of {$1200.00}. 
They indicated that we defaulted on a payment plan in XXXX. We made the trial payment plans back then, but got a bit behind later when my husband was not working. 
We feel that we were misguided during the forbearance process. I have called on many occasions to get clarification and guidance and was told to apply for loss mitigation.
Consumer complaint received 2024-10-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (AZ)

We entered escrow on XX/XX/2024 for an assumption loan with Freedom Mortgage Corporation. 
Freedom Mortgage did not allow us ( buyer/seller ) to close for 10 months until XX/XX/2024 due to their own delays and mishandling of documents. 
In that time, Freedom Mortgage Corporation lost submitted paperwork from the buyer and seller on multiple occasions. 
We were contacted on XX/XX/XXXX by XXXX XXXX, a customer advocate from Freedom Mortgage Corporation, who collected our paperwork to help ensure " a smooth, quick closing, and to answer any questions you may have during the process. '' After several weeks of submitting documents, XXXX XXXX disappeared. He would not answer email or phone calls from the buyer, seller or our realtors. Neither XXXX XXXX nor Freedom Mortgage made an attempt to contact any party in late XXXX, early XXXX. 
The buyer/seller begged to make contact with Freedom Mortgage XXXX Department for XXXX from XXXX. 
We were finally placed with a new loan processor, XXXX XXXX, on XX/XX/XXXX. 
Though polite, she continued to lose files, death certificates, bank statements, etc. She could never find documents previously submitted and uploaded to the system, causing constant delays in our loan process. 
All of these delays led to a closing date of around XX/XX/XXXX, with us legally bound to make the mortgage payment starting XX/XX/XXXX. 
However, because of Freedom Mortgage delays over the course of 8 months, the previous homeowner had to leave the home vacant, to which a water pipe burst and damaged the entire home. 
It is now XX/XX/2024 and we have still not received the insurance money from Freedom Mortgage Loss Draft Department to fix the house and move in. They did mail a check to us last week, but it was made out to the previous homeowner 's dead wife ( the death certificate they keep losing ). 
Our XXXX father is currently homeless because of Freedom Mortgage Corporation 's XXXX XXXX XXXX correctly. 
We are waiting for them to locate the death certificate we just submitted for the XXXX time to Loss Drafts. 
Our father has adult kids to help with things like mortgages, and Freedom Mortgage keeps losing our third-party authorization forms every month, making it impossible to speak with them. 
This has been an outrageous and disgusting process from Freedom Mortgage Corporation. 
They were given appropriate documents to process forms and checks correctly, yet they still will not hold up their end to execute appropriate mortgage practices.
Consumer complaint received 2020-05-06
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. (NY)

I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-11-19
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items 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 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 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
Consumer complaint received 2022-07-31
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. (PA)

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-09
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: LEXISNEXIS (GA)

According to the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I am fully aware of my protection and what these laws mean fully. The accounts are listed below as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) # XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX 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 : States that a consumer reporting agency can not furnish an account without my written instruction, which I have not given XXXX ANY written consent to furnish anything about myself on my consumer report. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Burr & Reid, LLP (NY)

I contacted Burr and Reid on multiple occasions. I then had my insurance call Burr and Reid and they explained how I was covered the entire time and it is illegal to not only bill XXXX recipients but also illegal to put XXXX recipients into collections. They told my insurance company and myself they needed such proof to show I was covered. My insurance provided every document they asked for. I hand delivered all the documents they asked for in mid XXXX. They said that as soon as they received those documents that I would be taken out of collections and it would be taken off of my credit report. I have not heard from Burr and Reid since that day, and they have not taken me out of collections.