davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

My mortgage loan got sold and the servicing moved to a different servicer ( XXXX/Lakeview Loan Servicing ) on or around the first week of XX/XX/2020. During the process and before this was communicated to me I made a payment ( {$3300.00} due + {$720.00} of extra payment ) to the previous servicer that is yet to be transferred to the new servicer. 

Since XX/XX/2020 and up to today ( XXXX XXXX ) I have been receiving daily harassing calls requesting payment of the allegedly missed amount, even if I called them multiple times explaining the situation. After receiving a call yesterday the XXXX telling me that the issue will be solved and making my due + principal payment for the month of XXXX ( {$3300.00} due + {$720.00} extra principal ), I have received a letter today ( XX/XX/XXXX ) notifying me that they will be reporting that I am late to the credit agencies. All this on violation of the 60 days moratory for this actions during a servicing transfer. 

To make matters worse, the agents at Lakeview told me that they could not do anything to stop the harassment unless a payment was made over the phone and even suggested illegal approaches as returning the payment I made to the previous services and make an additional payment to them instead.
Consumer complaint received 2020-12-01
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. (MA)

Just the other day I ran an Experian credit check and much to my surprise, I had issues on my report. There was a joint application for a closed XXXX XXXX XXXX. account with {$2400.00} left outstanding. I called the US credit card fraud service and after an hour+ was asked to call the cross borders number and after another hour + was told that this fraud was not on a XXXX card since the only info I have is the first six digits from the Experian report - XXXX. 

I have attached the printout and the following is all I have on my side : Credit Card : XXXX XXXX  XXXX. 
My name is XXXX XXXX XXXX. I go by XXXX XXXX. 
My last four digits on my social is XXXX. 
It says it was a joint application. The only joint application would be with another of my family - XXXX XXXX, XXXX, XXXX or XXXX. No other joint would I go after My address is XXXX XXXX XXXX in XXXX, MA XXXX The address that is on my credit report that is not mine is XXXX XXXX  XXXX XXXX, XXXX, NC XXXX.This may be a way to lookup the past fraud. 
I also have an employer on my credit report as XXXX XXXX The account was opened XX/XX/XXXX. XXXX The account was Closed in XX/XX/XXXX There was a remaining balance closed of {$2400.00}. 
My email is part of the email and I can be contacted by cell phone at XXXX.
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (TX)

MY BUSINESS DEPOSITS WERE SET UP IN A PERSONAL ACCOUNT OF MY HUSBAND- WITHOUT MY SIGNATURE AUTHORITY- HE PASSED AWAY- MONEY IN THE ACCOUNT WAS DEPOSITED FROM MY BUSINESS CONTRACT AND - FRAUD REMOVAL OF MONEY LEAD ME TO FREEZE THE MONEY IN THE ACCOUNT - AS i NEEDED AN ORDER FROM probate COURT 2. XXXX XXXXe XXXX XXXX AND THE SAID DEP ADMIN- TO SURRENDER THE LETTERS- BUT THEY CLOSED THE SAID ADMINISTRATION OF THE ESTATE EARLY- AND NOW ITS 4 YEARS I HAVE GIVEN THEM DEATH RECORD OF i BEING NEXT OF KIN, MY BUSINESS INFORMATIUON AS OWNER OF THE SAID DEPOSIT- AND THE CONTRACT NAMING ME AS THE PERSON WHOM MONEY CAN BE RELEASED- DUE TO THE MORTGAGE FRAUD THE SAID COURT CLOSED THIS MATTER PREMATURELY- AND NEED ACCESS TO MY MONEYT? please HELP ME EITHER GETTING LETTERS FROM THIS COURT TO ACCESS MY MONEY OR THE BANK SURRENDERING MY MONEY DUE TO THE MERITS OF THE SAID CONTRACT i SENT THEM AND THE DEATH RECORD ECT
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XXXX, Equifax XXXX XXXX. Keep reporting inaccuracies and comments on my credit report. XXXX Account number XXXX comments are inaccurate I have never been in forbearance in fact this account is paid in full. I have provided them notice from XXXX, XXXX. Showing this account was paid in full and was never in forbearance or deferred. The inaccurate comments on this account needs to be deleted. Enclosed you will find proof that this account was paid and never deferred or in forbearance of any kind. 
XXXX, XXXX XXXX and Equifax assured me on the phone it would be corrected and removed and nothing has been done. Because of this inaccurate comments they are reporting I am being denied a mortgage loan.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AR)

XX/XX/XXXX around XXXX someone stole my card info and made a {$580.00} transaction at a XXXX XXXX. The nearest XXXX XXXX to me is 5 hours and 30 minutes away. I worked in XXXX the XXXX from XXXX and worked in XXXX for XXXX  finishing an order to a customer at XXXX XXXX. 

I am providing screenshots. I was told over the phone that I would have my money back in 5-7 business days and it's been longer. I need my money bad. Coronavirus has made things difficult. Bills are due. XXXX is coming up. I need my money.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : Rent Debt Automated Collections Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, and Account Name : 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 an account without my written instructions.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

my name is XXXX XXXX I used cashapp as a cash transaction to another consumer. This guy was advertising a laptop on the website XXXX and only asked that I pay for shipping because he had purchased a better one and just wanted to help someone less fortunate. He sais he just wanted me to write a small paragraph about whay I needed the laptop, He then asked me to send him XXXX dollars but not through XXXX  because he wanted to send it through another mailing service so I could get it quicker, He then asked me to text him my address so I gave him my pobox and he sent him the transaction. Right after that he told me it was a problem with the transaction. He then said he received it and would text me back when he ships the package. I then tried to call but no answer. Then I requested a refund through cashapp and he denied it an blocked me for requesting another refund. I then contacted cashapp but they said it was nothing they could do. I went back and forth with them for a couple days before opening up a claim with the XXXX. they gave the XXXX  the same answer that it was nothing they could do. I didn't accept this and asked the XXXX  to pursue further. This went on for weeks and finally the XXXX  closed my case and said if want to continue to try and get better results and my refund I should contact this company. Its not just about the money more than the principle that cash app doesn't have a better system to protect consumers from fraud and their not held responsible to get their consumers refund back. this is thenumber he gave me XXXX XXXX XXXX his cash app is XXXX XXXX. I also have text messages if you need them
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, My debit card from XXXX by Bank of America was declined, when I checked on the Bank of America app I noticed that there were 3 ATM withdrawals on XXXX and XX/XX/2020 each for {$1000.00} from my account and bank suspended the account after that. 
I called the bank on XX/XX/2020 @ XXXX and told them, that I have my debit card and how they take money from my account, they said you have to make a complain tomorrow since it is Sunday and they close now. I called Monday morning @ XXXX, and after 1 hour and 37 minutes finally someone answered and after so many questions they transferred me again it took 45 minutes to contact to someone else, again question and transfer again till after 3 hours and 34 minutes I filled a complain. On XX/XX/2020 I received a letter from Bank of America that said my claim has been closed, so I called again and after almost 2 hours someone answered and she said that you have to write a letter and request to reopen my claim and request to get the ATM camera footage. So I mailed and faxed the request on XX/XX/2020. And I waited till XXXX XX/XX/XXXX called to find about the status of the claim and after 1 hour and 47 minutes on hold finally someone answered and she said that because you didnt ask for escalation your claim is not active, so again transferred me to someone else and after 45 minutes on hold finally they made another complain # for me and said I have to wait. And I called after 3 weeks on XXXX XX/XX/XXXX and again I was on hold for 2 hours the lady said you have to wait, it might takes to 3 months for answer, and when I asked about the hold time on phone, she said our answering service is in XX/XX/XXXX and since you are in XX/XX/XXXX its better to call at 5 in the morning before we get busy, since we have lots of complains and not much people to work. So I called again on XX/XX/XXXX at XXXX XXXX, it takes 25 minutes to talk to someone, and still they said I have to wait, and since I told her about my situation, and that this XX/XX/XXXX money is my only source of income and itd XX/XX/XXXX times, and I have bills to pay, she filed a hardships note on my claim. 
Today is the first of XXXX, and I am still out of my money and I dont trust Bank of America.
Consumer complaint received 2020-10-02
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. (IL)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2020-12-01
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: CITIZENS FINANCIAL GROUP, INC. (VA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XX/XX/XXXX, CITIZENS BANK add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2021-06-03
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: Experian Information Solutions Inc. (CA)

I was using my XXXX credit card for renting a car. I didnt have a working car I took XXXX from my home to the rental car company. The amount of the rental was XXXX and all the people in front of me their deposit was XXXX plus rental fees I only had XXXX available in my account at XXXX so I transferred XXXX dollars from my checking to my credit card to give me enough to cover the rental. I wanted to use my XXXX Visa card because it covers my insurance on the rental. When I went to pay the counter person said I needed to cover XXXX with a XXXX dollar security deposit. I questioned why everyone else was only paying XXXX dollars. He told me because the car was being provided by the insurance company. Mine was XXXX. I was XXXX dollars short on the amount available on my credit card I tried to transfer another XXXX to the card from my XXXX checking account. It would not accept a second traction from the same account the same day. I called the bank and spoke to a manager about helping me. They said they couldnt do anything I couldnt even pay cash at the bank to enlarge my usable money avail for the rental. It was only XXXX dollars. The bank representative said he could try to increase my credit line on the credit card I told him I only wanted enough to cover my rental he put it in for XXXX dollar increase. He came back and said they wont increase my credit line at this time. I used a different credit card and was able to get my rental. A few days later I got notified my credit score changed. I looked on my scores on XXXX  and experion my credit score had dropped 35 points for the hard pull on my XXXX credit card account. This is nut it took me a year to get my score over XXXX and now when I needed a score over XXXX to rent a apartment my score dropped 35 points.
Consumer complaint received 2020-12-01
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. (NV)

I submitted a dispute to all 3 credit bureaus ( Experian, XX/XX/XXXXand XX/XX/XXXX XXXX on XXXX. I have not received a response from Experian about these disputes and therefore I filed a complaint through the CFPB against Experian for not responding to my request for a reinvestigation. This complaint was filed on XXXX. Unfortunately, my Federal Rights are still being violated as I write this ... Experian has truly failed to respond to my requests. I will now be filing a formal complaint with the FTC against Experian due to their negligence and flagrant disregard of their duty. I am truly disappointed with Experian 's behavior and I am appalled that during such a time as this that they would be allowed to willfully violate my rights and not process my reinvestigation. They told me in their response : " We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free '' So if I am telling Experian that information in my report is not complete or accurate or is not a valid claim and Experian says that they are supposed to investigate a claim if the claim is provided by the consumer ( which is me ) then why is Experian not doing what they said they are required to do? This is truly what America has come to ... big corporations being able to pick and choose who they help and who they don't regardless of the Federal Laws that are set in place to help protect the us.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I signed up for the Capital One Quicksilver Rewards credit card after a pre-approved letter was sent by Capital One. I signed up for this specific Quicksilver Rewards credit card because it was and still is stated on the Capital One website to have a cash bonus of {$150.00} after spending {$500.00} within the first 3 months. I was approved on XX/XX/2020. On XX/XX/2020, I called Capital One to inquire about the {$150.00} cash bonus because, up until this date, I had spent well over {$500.00}. Note that all my statements were paid in full well before their due dates. They stated that I was not eligible for the {$150.00} cash bonus although I had the same Quicksilver Rewards card that is stated to have this cash bonus. The customer representative stated that the Terms did not contain this cash bonus information, but after looking at other Capital One credit card Terms, there are no areas that designate terms for cash bonuses. A major contributing factor in signing up for this card was because of the {$150.00} cash bonus that's stated all throughout the Capital One website. Capital One has used misleading marketing and advertisements to gain customers in a fraudulent manner, by marketing a cash bonus for the Quicksilver Rewards card but only applying that bonus in certain conditions. I will be planning to completely cancel my Quicksilver Rewards card with Capital One if I am not granted the cash bonus that was advertised and marketed on the Capital One website.
Consumer complaint received 2022-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

My card was lost and someone swiped it for {$150.00}. I have opened 3 disputes with chime each denied. I have my location with the time i was at the store from XXXX, the transaction was made at XXXX i sent them this information and was denied. i sent them the police report i filed and still denied. this transaction put my account in the negative {$90.00} and of course when i got paid i had to pay that back to be able to use my account. i do not feel as though they are even doing a thorough investigation since it only take an hour or two before i get denied again.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Today, XX/XX/2020, I received an email form XXXX XXXX XXXX stating that I had a new inquiry on my credit report. 

New Credit Inquiry It looks like someone viewed your credit report. 
New Inquiry : XX/XX/2020 XXXX XXXX I DID NOT check this nor did I authorize anyone to check my credit information. I did not apply for a new line of credit.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

The bankrupt company Experian have continued to put fraudulent activity or information in our credit report and informing other companies of the fraudulent information which is heresay and fraud!
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NY)

I ATTEMPTED TO ADD MONEY TO MY EXISTING PAYPAL ACCOUNT USING AN OLD CARD THAT WAS PREVIOUSLY ASSOCIATED WITH MY NAME. AFTER FINDING OUT PAYPAL SOLD MY ACCOUNT UNAUTHORIZED- THEY ARE REFUSING TO SEND MONEY BACK. I have no contract with any third party- the transaction clearly stated they were meant for PayPal , if we are no longer in a contract I have asked them to return what was sent to them in error. They refuse ....
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (NY)

The transition from my Simple account to their partner bank BBVA USA has left me unable to access my account, my funds, or even to close it. There has been no outgoing communication from the bank, password resets are non functional, and the call center is completely unreachable after weeks of attempts. I no longer even care to transition, simply to close my account and move on, but it has proved impossible, several weeks later, to even do this. The most communication I have received on their impromptu seizure of the balance of my account was from finding them on XXXX, of all places.
Consumer complaint received 2021-05-18
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 (MN)

I opened a Hilton Honors credit card XX/XX/2021 with the promotional offer of 80,000 bonus points with {$1000.00} spent within 3 months. When I logged into their website a few hours later after having been approved for the card they advertised to me the same card with a promotional offer of 100,000 bonus points with {$1000.00} spent within 3 months. ( This is a difference of {$80.00}. ) I inquired why there would be such a glaring difference and if I could have have the promotion being offered to me today. They said it could not be done. I suspect this is a form of digital redlining and would like this sales practice to be investigated. ( I would also like the more favorable promotion valued at a difference of {$80.00}. )
Consumer complaint received 2021-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has inaccurate data on my report partially from their own mistakes and the other from XXXX XXXX for reporting a payment late that was not. 

Transunion 's Dispute System is broken and twice charged be {$27.00} without warning for a dispute system that failed to generate a dispute. Telephone calls to Transunion were fruitless with significant language barriers. Customer service represents verbally said they would file the dispute but none ever was filed and I never received feedback. 

Dispute attempts were made on XX/XX/2021 and XX/XX/2021 but no results yet I was charged both times. 

Transunion also has telephone security inadequacies and would not put a password on my account as I requested. Authentication is minimal to telephone access my information. 

XXXX reported inaccurate information 5 years ago and Transunion does not recognize all the inconsistencies in the report. This is the ONLY detrimental report ever on my long credit history.