davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-04
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: CITIBANK, N.A. (PA)

On XX/XX/XXXX I joined XXXX XXXX XXXX. On XX/XX/XXXX the gym closed due to COVID. The gym has not resumed providing services. According to the Pennsylvania HEALTH CLUB ACT { Act of XXXX XXXX, XXXX, P.L. 672, No. 87 ( 4 ) A provision permitting the buyer to cancel the contract if the health club facility closes for more than 30 days and the health club fails to provide a comparable facility within ten miles of the location designated in the health club contract. Upon receipt of notice of cancellation under this paragraph, the health club shall refund to the buyer all moneys paid in excess of an amount computed by dividing the full contract price, including any initiation fee, by the number of weeks in the contract term and multiplying the result by the number of weeks elapsed in the contract term }. According to the Pa Health Club act since the gym has been closed for over 30 days I can cancel my membership. The attorney general in Pa. further stated that gyms are required to refund memberships after cancelation is requested in writing by the member. On XX/XX/XXXX I sent a certified letter as well as an email letter requesting cancelation, to date, the gym has not reopened and due to COVID I do not desire this service for I feel it is unsafe. I sent a copy of the letter likewise to my credit card company. Citibank is a discriminatory banking industry that sides with the merchant. This is the 2nd matter that despite having proof that the company failed to provide services, they continue to fail to help me resolve this matter. Despite not receiving nutrition services or fitness services for almost two months, I paid {$2300.00} total. I requested to have {$1700.00} refunded for the remaining balances of services not rendered.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

SECOND REQUEST I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, GA XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED PLEASE REMOVE : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

Chase decided to close my bank account and now its gon na be on my credit and effect me negatively I ordered a product from XXXX and I didnt receive it so I did a charge back with my bank and yet they reversed the credit and says I owe and just closed my account I tried reaching out but they refused to undo the reversal. I ordered an XXXX from XXXX and didnt receive the product I called and made a police report online. So Im confused as to why my account is closed. Its unfair!
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

SECOND REQUEST I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, GA XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED PLEASE REMOVE : XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I checked my credit file with transunion I noticed they had marked one of my accounts as a derogatory when it is not. 

The account had been paid on time with no late payments and reflects that. 

XXXX and XXXX are showing account as Paid which is correct. 

The name of the account is XXXX XXXX XXXX Please have Transunion update their records. This is hurting my chances when applying for credit. 

Thanks you!
Consumer complaint received 2020-07-04
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-10-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (NY)

I have contact 21st mortgage multiple times about not being able to make my payments due to losing my job due to COVID. They tell me there are no programs or any kind of assistance available to help with my mortgage payments. I believe this is because I have a learning XXXX and they use this against me. They like to think I am stupid. prior to losing my job, I never missed a payment and had a good payment history for the past 10 years. I inquired about forbeance. They stated that this was not an option for me. I have been out of work since XXXX. I did however make a mortagage payment with my last check in XXXX. I attempted to make a payment in XXXX by selling some of my belongings for them to only return my payment to the bank, after sending me a receipt for the XXXX payment. I received a letter in the mail today saying help was available and to contact a XXXX XXXX. I contact her with no availability. XXXX XXXX told me even though I received a letter staying that if I have a temporary hardship. The assistant said they still could not help me and send out these false letters by law. I have been under a hardship since losing my job. I cant even buy food or pay my electric bill. These people do not care and do not offer any solutions or help to get you back on track. They just said letters saying they will help you, when they wont because its the law. I can not give someone money I do not have. I have been attempting to sell my home. As I thought I had a potentially buyer. They have backed out of the sale. I do not want to deal with a company like this who doesnt give a XXXX about their clients.
Consumer complaint received 2022-11-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

Freedom Mortgage is refusing to give the rest of my insurance check claim funds to fix my house from Hurricane LaurXXXX which happened OVER 2 YEARS AGO. They have refused to engage in common sense talks to solve my issue and have done nothing but tell me lies. They changed companies who handle insurance check claims in the middle of us fixing our house and we have done inspections and guess what no money was released.The original amount for insurance was $ XXXX, and we got $ XXXX up front, but with inflation and labor shortages that money is long gone. We are almost finished with our house, but we are unable to finish or make more progress because they refuse to release the last $ XXXX of our money. They want to deny us from getting our money so they can keep making interest off the account, and my family suffers while we live in a tiny little camper. 

I have tried for the past 6 months to handle this with the company in every way possible, but they refuse to help me. We are at the point that we are going to re-finance with a different company just to get away from them even if it means us getting a worse finance rate. We didn't choose Freedom Mortgage, they bought our loan from XXXX XXXX, and by far it has been the WORST EXPERIENCE of any mortgage companies we have ever dealt with point blank.
Consumer complaint received 2022-10-08
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. (IN)

This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX AV B XXXX, IL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2020-07-04
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/ and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NJ)

I was shocked when I reviewed my credit report and found 120 days late payment. 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.
Consumer complaint received 2021-04-15
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. (ND)

Equifax is in violating of the law. Equifax is committing identity theft, they do not have my consent to report the accounts and addresses below. 

Equifax is in violation : 15 U.S. Code 1602 - ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 U.S. Code 1643. ( E ) the unauthorized use occurs before the card issuer has been notified that an unauthorized use of the credit card has occurred or may occur as the result of loss, theft, or otherwise. 

I am demanding a deletion of the unauthorized accounts and addresses listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX
Consumer complaint received 2023-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have dispute a charge with capital one Visa card case number is XXXX on a purchase done on XX/XX/2023 from XXXX XXXX XXXX precious jewelry for XXXX dollars and it was for a SOLID YELLOW GOLD 22K BRACELET THAT WEIGHS XXXX GRAMS. But then when I received the item it was GOLD PLATED 18K GOLD AS TESTED BY THE GOLD PURITY MACHINE XXXX XXXXXXXX And also tested by a certified jeweler. And I am attaching pictures of the test results. Capital one this morning XX/XX/2023 denied my dispute and reapplied the charge back to my account. But what I received from the seller was NOT AS DESCRIBED and it is only 18k gold plated and NOT SOLID 22K GOLD. I have supplied all documents and photos as a proof that i received a fake item and NOT 22k solid gold bracelet. 
The dispute case is XXXX and I am asking capital one to approve my dispute case and refund me the XXXX dollars since the item is fake and not as described and I asked the seller to send me a prepaid return label so I can return the item to him. I am NOT PAYING XXXX DOLLARS FOR A FAKE ITEM THAT IS WORTH FEW DOLLARS. I was scammed by the seller and I want my money back and I want capital one to refund me my money
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (GA)

Hello, 4, 30 day lates appear against my credit report, with XXXX, XXXX  and XXXX  which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my situation.
Consumer complaint received 2020-07-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$5700.00}, {$9100.00}, {$11000.00}, {$14000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and  the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (GA)

I have a credit card with Barclays US. On XX/XX/2020, I purchased a flight with XXXX XXXX XXXX  XXXX to XXXX. I purchased two seats ( my wife and I ) for {$290.00} each ( a total of {$580.00} ). Then, because of COVID-19, the flight was cancelled a couple of weeks later. I paid the charge on my statement of XX/XX/2020 because the charge was not removed when I disputed the charge. Then, on XX/XX/2020, XXXX XXXX reimbursed the total of the charge ( {$580.00} ). This seemed to solve the issue. Then, on XX/XX/2020, Barclay US charged me again for the flights for a total of {$580.00}. I reached out to Barclay US to have this charge removed, but the company refused to do so even though I have already paid for this charge once. I would like this charge to be removed given that this is illegal behavior by Barclay US.
Consumer complaint received 2021-04-14
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. (VA)

I was notified by my mortgage company that they did not receive payment for my loan. I pay automatically every month since inception. I have provided proof from my bank that it was paid and they still have not credited my account or fixed my credit score.