davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 I was offered concert tickets for an upcoming show via XXXX. After some back and forth in the conversation we settled on a price and payment method - XXXX  I sent the payment, and the person immediately asked me to send more money to a different user name using the same payment method. I told her I would not send any more money until the money I'd just sent had been returned. Further excuses came up as to why I wasn't getting the money returned, and I knew I had been scammed I reported the issue to XXXX  only to be told there was nothing they could do. After MUCH struggle with trying to get assistance from XXXX XXXX I contacted my bank, Chase. I filed a claim within 24 hrs to notify them of this fraud to try and protect my funds and push back to XXXX XXXX to hold the scammer accountable for the false transaction. After Chase did their " research '' I was told they considered it a valid transaction and let the money be deducted from my account. They made no efforts to request evidence from me to validate that I had been scammed and just allowed XXXX XXXX to facilitate this fraudulent act at my expense. A bank their size should DEFINITELY have measures in place to protect their customers from these sorts of illegitimate transactions, and they are just assisting thieves to take money from honest people.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I am filling this complaint because I am tired. I have been fighting for errors and inaccuracies on my Equifax credit report for a while, but things becomes more difficult for me because I can't get approved for any credit application. I did online dispute, phone dispute even sending letters, but nothing. On XX/XX/2020, I decided to send them a series of letter about misinformation and negative items theywerereporting. They replied on XX/XX/XXXX and all inaccuracies were deleted. Two weeks after everything ( positive account ) on my credit profile was gone. I was in shock, I called immediately to let them know about what happened. Unfortunately, the guy over phone told that he was not able to locate my file and he stated there's discrepancies on my credit report, but he couldn't help me. My credit score was seriously damaged because of this issue. I have filed Bankruptcy or have a jugement on my credit report to deserve this. I called again and again trying to fix this matter, but my calls were unsuccessful until I find a gentleman who told me that my credit report contains a big discrepancy, he advised me to write a statement including my personal information, ID with currentaddress, SOCIAL SECURITY NUMBER for them to be able to help me resolve the problem. On XX/XX/XXXX I submitted my dispute including my personal information and on XX/XX/XXXX they replied stating that they were unable to locate a credit file in their database with the identification information I provided to them. In order to further assist me, they need additional documents to verify my identification. I sent them my full name, DOB, SSN CARD, ID with current address and my previous addresses up to 5 years. Until today I'm not able to get a copy of my free annual credit report. My fico score is low XXXX with no positive account and instead they putted back all inaccurate accounts they have deleted a few weeks before. I can't get approved for any credit application right now. It's so frustrating this situation. I really need help!
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

" any entity servicing my loan on their behalf ( hereinafter called THE LENDER ''. This company did not give me detail contact information of the above statement. Who are the entities servicing my loan? What are their names, addresses, and phone numbers? 

see previous case # XXXX
Consumer complaint received 2020-09-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ALLY FINANCIAL INC. (VA)

Bank : Ally Financial ( Spouse is deceased ) Auto loan was paid in full {$7700.00}. Payoff at the time of payment made for payoff was {$7300.00}. Ally Financial owes me {$390.00}. I have emailed and called them since XXXX third. I have payoff from bank who paid them and I have Ally Financial paid in full letter which is some what vague. I have been contacting them since XX/XX/2020. Ally lied and said they sent the check. They have had me repeatedly calling them. Each time they cancel the previous check they sent out. It is a cycle to prevent from paying me the money owed. I need the money owed to me from Ally Financial. They have cancelled the check 4 times and refused to provide the check numbers. Each time I call their XXXX XXXX XXXX it routes me to  XXXX call center where you know you will not receive a response. Not allowed to speak to anyone in US. Scam and fraudulent practices.
Consumer complaint received 2020-10-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

In XX/XX/2020, I made a purchase for roughly {$12.00} on my XXXX credit card. Shortly thereafter, I moved to my parents ' home for a few months to help them during the early stages of the XXXX shutdown. At this time, I did not receive mail bills, and the email bill of my statement for my XXXX XXXX through XXXX XXXX, were sent to my spam folder of my email inbox, as I had not made a purchase on this card in a significant period of time. 

When I returned to my home and, I noticed that I had received the item and realized I had not made a payment on this account or received a bill. At this time, it was XXXX. I searched through my spam and finally found the billing statements, and made the payment immediately, including the late fees, which totaled roughly {$90.00}. 

XXXX reported my delay in payment to the credit bureaus, and the long delay caused a significant decline of more than XXXX points to my credit score. For this decline, my credit cards at XXXX XXXX, which are completely unrelated to my XXXX XXXXXXXX card and for which I have always made on-time payments and had low utilization, were also decimated. 

Over the XXXX XXXX holiday weekend, without any notice, my credit limits declined to 10 % of their original levels, and between XXXX credit cards I now have {$150.00} and {$250.00} limits. Multiple transactions were declined and I was sent into a tailspin, panicking that I had fraudulent activity on my account. I could not reach XXXX customer service due to the holiday, but as soon as I could I called customer service, and set up multipel appointments at my local bank. The banker I spoke to at XXXX was shocked at my unrealistically low limits, saying he had never seen anything like this and didn't understand the change, but could not change it for at least XXXX months. For reference, when I was a senior in high school, I had a limit of {$2000.00}, and I am now a XXXX at a large company. XXXX refused to increase my limits, rendering my cards effectively useless and making it very difficult for me to rebuild my score, as purchases would raise my utilization, further hurting my credit score and creating a vicious cycle. 

I was denied a new credit card at XXXX XXXX  because my credit score is now below XXXX, a level it has never been in my life. 

I have reached out to XXXX in an attempt to remove this item on my credit report. I have reached out to the credit bureaus to dispute this item and to provide explanation. I have tried to work with XXXX to find resolution to their unfair and dramatic decline in my limits, but was told I have no available options. 

I am now trapped in a cyclical issue where I do not have enough of a credit limit to rebuild my credit, no way to get a new credit card to expand my credit, and no option to resolve my prior issue, the only late payment I have ever made on any credit card throughout my credit history.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

Hello As per my forbearance agreement lasting from XX/XX/XXXX - XX/XX/XXXX with Shellppint Mortgage Servicing XXXX. XXXX XXXX XXXX, MI XXXX and the current law states that I would not be reported to the credit agencies. Shellpoint reported me as being late for XXXX and XXXX. 

My score has plunged 70 points and you have put me in jeopardy with all my other credit cards that could lower my spending or close my accounts. 

I called yesterday and an associate told me I would have to dispute this with the bureaus. 
This makes no sense since they made a mistake and accidentally broke their agreement in writing with me. I have the letter as proof. Can you please help me and have them correct this incorrect reporting to the bureaus? Thank you so much XXXX XXXX
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CO)

I signed up for a XXXX XXXX card under a promo offer for 0 % interest for 15 months, {$200.00} bonus for a minimum spend, and 1.5 % cash back on purchases. I was approved for the card, had been using the card to purchase material for a project and then a month in received an interest charge of {$150.00} on XX/XX/2020 even though I paid the minimum payment and it was supposed to be 0 % interest for 15 months. I also was not receiving any cash back or other bonuses. I called Amex on XX/XX/2020 to figure out what was going on and they told me, I wasn't eligible for the promotional offers. When I asked why, they couldn't tell except for someone in the " specialty department '' decided they removed those options for me. I had an option between this XXXX XXXX XXXX and 3 others from different creditors and ultimately  decided on this card because it had the best offer. Only to find out, they removed the sign-up offers from my account without ever notifying me! They wouldnt put any of this writing of why I did not get the offer bonus after being approved and wouldnt look up or share any notes or transactions on my account. Never once was I notified that the promotional offers would not be provided to me. Complete abuse of power, fraud, and disgraceful business. I ended up paying off the $ XXXX balance to a {$0.00} after they refused to do anything for me and then they charged me an additional {$100.00} of interest chargers AFTER my balance was {$0.00}. I ended up losing out on close to {$1000.00} due to interest chargers, promo offers not happening, and a {$230.00} transfer fee to bring the balance to {$0.00} so no more interest chargers accumulated on my 0 % interest card.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I overpaid on my credit card. For weeks I have been told that BoA will reimburse me.But it has not happened. 
Today a XXXX XXXX contacted me and she was the queen of bureaucrats and had no answers.
Consumer complaint received 2023-01-12
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. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (MI)

Initiated multiple disputes with the 3 credit bureaus on XX/XX/XXXX. Mailed a security freeze request letter to Lexis Nexis through certified mail on XX/XX/XXXX. Through tracking information, I can see that the letter made it to its destination around XXXX on XX/XX/XXXX. Disputes came back with no change. Lexis Nexis advised that they have not received letter with all my personal information including a copy of SSN and drivers license even though Tracking says otherwise. They have no idea where this letter is nor do they have any information in their system in regards to a security freeze request. Verbally verified that the address the certified letter was mailed to was correct and that they just have not received the letter. The consumer report ID # for Lexis Nexis is XXXX
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (CO)

I have a late payment on my account because i attempted to pay it online repeatedly and they kept kicking me off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever to the point that i think it was a false number. By the time i had time to make the payment the payment was late even though i emailed the company to please assist me.They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureas but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

In XX/XX/2020, I contacted TD bank to advise them of an issue I was having with XXXX XXXX XXXX. I had been overcharged by XXXX and was due a refund. I initially tried to work the issue out with XXXX and XXXX told me they issued the refund on their end and my bank should have received the funds back. I advised XXXX that my bank had not received the funds back and when I asked for details about the refund it was brought to my attention that XXXX refunded money to a card not associated with me or my rental in any way. I contacted TD and told them about XXXX XXXX error and made a debit card claim. I received a provisional credit and was sent a letter asking me to explain what happened in detail. I responded before the due date with a very detailed explanation of the situation, names of managers who I had spoken with, and also noted in the letter that I still had not received the refund. Towards the end of XXXX, i get a letter in the mail from TD stating no error occurred, this is not a satisfactory ruling. I believe that based on TDs ruling the dispute department did not do their due diligence in investigating my claim. Customer service at XXXX would have been able to provide TD with enough information for them to see my claim was valid. TD dispute department took the maximum amount of time possible to work my claim and then ruled inappropriately and took back the provisional credit which put my account into a negative status.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

i have never been late to this account. i have records of all my payments sent to XXXX XXXX and XXXX for this vehicle. 

on the month of XX/XX/XXXX XXXX apparently misplaced my check and payment. 

i paid my XX/XX/XXXX payment on XX/XX/XXXX Check # XXXX i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid an additional payment on XX/XX/XXXX via phone. 

later on i spoke to XXXX and they apologized ad cleared the late payment fees and asked me to dispute the information with the credit agencies.
Consumer complaint received 2019-07-02
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. (CA)

i have never been late to this account. i have records of all my payments sent to XXXX XXXX and XXXX for this vehicle. 

on the month of XXXX XXXX apparently misplaced my check and payment. 

i paid my XXXX payment on XX/XX/XXXX Check # XXXX i paid my XXXX payment on XX/XX/XXXX check # XXXX i paid my XXXX payment on XX/XX/XXXX check # XXXX i paid an additional payment on XX/XX/XXXX via phone. 

later on i spoke to XXXX and they apologized ad cleared the late payment fees and asked me to dispute the information with the credit agencies.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

During the time, COVID 19 was at its worst in XXXX, XXXX, and XXXX. I called in notified XXXX XXXX that due to the pandemic, my work hours were reduced, and I needed more time to make a payment. I made an arrangement to pay in XXXX, which I did. However, they reported to the credit bureaus that my payment was late in XXXX, XXXX, and XXXX. Even though it was agreed upon, I had to make payment in XXXX. I ended up making the payment in XXXX to avoid having them continue to report late payment. I spoke to them and confirmed the agreement. However, they said they are unable to change the report.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was alerted that there were substantial changes to my credit report, reading 2 late payments on my Capital One Credit Cards. I had set up Automatic payments so I attempted to resolve the issue with Capital One Directly. They refused to change any reports. I contacted the credit reporting agencies XX/XX/XXXX and again XX/XX/XXXX to resolve the issue and I included copies of my credit card statement that reflects a payment made and bank withdrawals along with my letter of complaint. Of the three bureaus only XXXX corrected the mistake ( XX/XX/2020 ). I contacted capital One again and opened another dispute after speaking with a representative XX/XX/2020 who confirmed there were no missed payments on my record and opened a dispute for me to have them removed. I received a letter dated XX/XX/2020 stating they are not inaccurately reporting my information and they will not change how they're reporting my account. 
I have copies that reflect payments deducted from my XXXX XXXX   bank account onXXXX and the capital one credit statements showing payments were received. 
Additionally I have copies from XX/XX/2020 showing payment deducted from my XXXX XXXX account and credit card statements from capital one showing they also received that payment as well. 

I called today to address my concerns with them directly that this is not an accurate reflection on my credit report as I have been making HIGHER than the minimum payment for almost the entirety of my time with them however they stated that they cant do anything to correct it as " this is the policy '' telling me that I need to file another dispute. I asked to speak to someone in their Capital One Credit Bureau Resolutions sector but they said there is no person I can speak with, only to submit another letter. Seeing as I have filed 2 disputes already with capital one and 2x already with XXXX, 1x with XXXX and 2x with XXXX I don't believe filing another dispute will be effective. 

This misinformation has been detrimental to my credit, so much so that it dropped my score almost 100pts. I was not able to secure a loan on the home that I have been working to build and buy. It's horrible that a company would be so reckless and such disregard how their policies effect peoples lives.