davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
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)

XXXX XXXX XXXX  date XX/XX/21 Sold to XXXX XXXX XXXX account XXXX balance is {$520.00}. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I didn't have really the right options to choose from in trying to discribe my complaint. With the exception of XXXX, and XXXX of XXXX Every month my account has came up short on my money from my S.S.I., and my Social Security check. This situation has been going on every month of each year beginning with XXXX up thru present XX/XX/2022. I bank with Wells Fargo. I know that there are employees of Wells Fargo that have to be involved. I asked a teller one day at one of the branches a question. Given her responce I knew for sure then I was right. I have been having a lot of issues with a lot of equal rights as well. I don't know what is going on but it's horrible. Hacked into phones. I have been trying to contact someone in Washington in regards to the Civil Rights issues with no luck. I written two very discriptive long letters. I don't believe my mail was even delivered. I was charged around {$15.00} to send it to were the addressee had to sign for it ( certified ), I believe is what is was called. I never recieved the paperwork I should have to ensure delivery. I reside in XXXX XXXXXXXX XXXX area. Please I really need your help!!
Consumer complaint received 2022-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OK)

First I got behind on my payment and worked out an arrangement with Ally. I called to make the payment, I was transferred to a third party that charged my card for some coupon scheme. They never processed the car payment. Then I entered into a catch up agreement with Ally and they canceled the agreement the day before the payment was processed. I have called and only get some people who dont speak English. Ally has time and time again not honoring arraignments. They also report inaccurate information to credit agencies.
Consumer complaint received 2022-06-22
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. (IA)

Citi cards did not provide us any appeal documentation or proof of their dispute resolution reasoning. They failed to properly adjunct a dispute with overwhelming proof that we did not receive a service as expected and the product was defective. We provided evidence that supported mis-advertisement to Citi. We also provided proof that we had to purchase the same product from another vendor, because the merchant we had the dispute with on our Citi card was terribly inaccurate and fraudulent. 

-The merchant was offered an opportunity to correct his work and provide the service as advertised, which included providing documentation of comparable vehicle values and correcting errors in his report. He did not correct the errors, did not provide supporting documentation as advertised, and valued our vehicle less than an industry standard market price in spite of providing purchase price documentation. Citi was made aware of this with complete documentation. 

Rather than reversing the dispute Citi asked me to get a refund letter or agreement from the merchant. Obviously, the merchant was refusing to do this in the first place, hence why we had to proceed with the dispute and invoke our protections under the card member agreement for mis-advertised service, a unusable document/work product ( due to errors the merchant refused to correct ), and unethical practices that included no signed credit card authorization receipt by the merchant and citi cards accepting the transaction without properly signed authorization. As you will note, there is no document in the file that indicates I signed for payment on this specific credit card following receipt of this merchants product. I would have refused to pay until he delivered the product that we ordered and signed for. Please review our response for a detailed explanation in the attached documentation titled " evidence letter 2 & evidence letter 3 ''.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NM)

I applied for a mortgage with Chase Bank because they promised me that they could close in 21 days or they would pay me {$2500.00} in cash. I fulfilled all of the conditions for this closing guarantee, yet the closing occurred a day late because Chase could not meet the 21-day schedule. When I asked for the {$2500.00} in cash, Chase informed me that they had changed the terms of the deal without telling me. Originally, the deal ( as disclosed to me by Chase ) was that I had to submit a loan application and completed purchase agreement 21 days before closing. Chase now says the 21 days are measured from the time they submit the paperwork to underwriting. This was never disclosed to me before closing, and I believe this is unfair to consumers who have no control over Chase 's internal processes. I demanded that Chase abide by the terms of the deal, but they have only been willing to refund me {$500.00}. Chase 's closing guarantee is deceptive and they should be forced to honor the deal they presented to me and upon which I relied to my detriment.
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Hi Specialized Loan Servicing, LLC The property you are trying to foreclose is my primary residence. 
I am retired. I am XXXX XXXX. XXXX XXXX has suffered substantially due to COVID-19 Pandemic. I have been affected by COVID-19. 
Please obey federal law and stop the foreclosure. 
Please work with me. 
Thank You Very Much.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXXt XX/XX/XXXX - apr XXXX, XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX In accordance with the fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-06-22
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. (NC)

I did not authorize the following companies to do inquiries : 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 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 XXXXXXXX XXXX I have no knowledge of these inquiries. These inquiries were done without my knowledge. This if fraud
Consumer complaint received 2022-08-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (CA)

Hello, I am a XXXX XXXX XXXX Veteran. I have a Veterans Administration ( VA ) Mortgage with Midland Mortgage. I had a COVID-19 Forbearance Plan. I am able make my monthly payments again, but I am not able to repay the balance of my Forbearance. I have made a good faith effort to find a resolution to the situation, but Midland Mortgage has done everything possible not to cooperate. They continually claim that the documents necessary are either incomplete or that they were not received. I have confirmation that that the documents were received and I have resent them the same items multiple times. They are use the the threat of damaging my credit and taking away my home as a was to pressure me into paying the full amount, which I do not have. I have contacted VA about this, and VA said that they are improperly servicing the loan according to the COVID-19 Forbearance and VA Home Loan Mortgage regulatory guidelines. VA said that I should file this complaint. I have even filed a complaint with their Executive Staff.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

The XXXX credit card and the Chevron credit card is operated by ; https : //www.mysynchrony.com/ synchrony bank who has refused internet access to paying the bill on line regardless of the fact that I have been paying the bill on line since 2014. Furthermore, they are demanding that customers download some software program on their cell phone or tablet that will grant the user access to their account which is XXXX on its face. Since the software developers are using such software on cell phones to track the end users data, travel, and communications of the wireless device. 

I have had problems paying my credit card bill for the past six months due to restricted access where synchrony is demanding using the software program on the cell phone which I will not do.

Therefore their software goes NO WHERE ON MY ELECTRONICS and the shall allow me to pay the bill on line. Enough of this restricted XXXX, as this method of restricting access of account holders to check their balances is doing nothing but restricting on time payments. These restrictions are an attempt to invade account holders privacy which was never authorized.
Consumer complaint received 2020-06-03
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 (NV)

On XX/XX/XXXX I purchased an {$89.00} voucher for a XXXX XXXX restaurant from the XXXX XXXX. When that restaurant closed due to the XXXX crisis I requested a refund for that voucher. Initially XXXX refused to issue a refund, so I asked Capital One to put a hold on that transaction while it was disputed. They put a temporary hold on the charge on XX/XX/XXXX. I then recontacted XXXX, and they agreed to refund the full amount. They did so, and onXX/XX/XXXX, they credited my original credit card with the full {$89.00} amount. They have even provided the transaction number XXXX. 

Unfortunately, this credit never showed up on my credit card. I tried to call Capitol One to find the transaction, but www on hold for nearly 3 hours. Meanwhile, on XX/XX/XXXX, with no explanation, Capitol One rebiller the {$89.00}, but without adding the {$89.00} credit from XXXX. So I am again down {$89.00}. When I called Capitol One to ask why, they told me that XXXX had refused to refund me because my refund was not eligible ( that phone call took 2 hours ). I called XXXX back, and they reiterated that they had indeed refunded the money, and reconfirmed the transaction number. I send the transaction details to Capitol One, but received no response. On XX/XX/XXXX I received a written notification from Capital One that my dispute had been closed because I had received a credit for {$89.00} on XX/XX/XXXX. That credit was from a completely different company ( XXXX ) and had absolutely nothing to do with this transaction. I called Capital One again, and they told me I would get a credit, but when I asked for dates and times, retracted, and said it would be under further evaluation. I asked to speak to a supervisor, who told me yet another story, that I had received a voucher from XXXX ( I haven't, and XXXX deny this ). I asked to escalate my claim and was told she was not authorized to provide any escalation information. At this point, I have spent 5 hours on the phone, several months, have 4 completely different explanations from Capital One as to where my money is ( none of them correct ), and am beyond frustrated
Consumer complaint received 2022-07-08
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. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (NV)

XXXX at Bank of the West XXXX XXXX in XXXX XXXX, NV opened a business checking account for me and my business in XXXX of XXXX. As a new business, I instructed her to open an account that does not have a minimum balance requirement, and with fees that can be negated by simply making a deposit. She did not do so, and instead opened an account that had a minimum balance requirement of {$5000.00}. This error caused me to incurr XXXX XXXX monthly bank fees for every month since. When contacted, XXXX did not address her error. I have also contacted the branch AND corporate, all of whom have also failed to rectify the matter. I have called and emailed SEVERAL times. I am demanding a refund of the fees taken from my account from XX/XX/2021 until now, totaling {$100.00}.
Consumer complaint received 2020-06-17
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. (TX)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-05-26
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: JPMORGAN CHASE & CO. (SC)

on XX/XX/XXXX, I purchased a plane ticket from XXXX XXXX for my sister XXXX XXXX. She was scheduled to fly on XX/XX/XXXX. When Covid 19 hit, she called her physician to see if it was ok for her to fly. Since she is XXXX XXXX XXXX and has XXXX XXXX XXXX XXXX he advised her not to fly because she is high risk. The ticket was cancelled on XX/XX/XXXX via XXXX customer service and was advised a refund would be issued with a letter from the dr. A letter was sent to XXXX and Chase credit card for a refund. I received an email from XXXX showing a refund was completed on XXXX. I have sent several copies via email and fax to Chase but as of today I have not received the credit. The amount is {$260.00}. I have called 3 times and all I get is that I need to resubmit the dispute. It was submitted in XXXX, and XX/XX/1920, XXXX and faxed XXXX. They have a copy of the physicians letter and the email showing the refund approval from XXXX. I do not know where else to turn in getting this issue resolved. I would greatly appreciate any help you are able to provide with a resolution. Thank you for your kind consideration. 
XXXX XXXX XXXX
Consumer complaint received 2022-07-02
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. (FL)

In accordance with the Fair Credit Reporting Act, The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX CO ( ACCT # XXXX ) has violated my rights. 
XXXX XXXX CO ( ACCT # XXXX ) has violated my rights XXXX XXXX CO ( ACCT # XXXX ) has violated my rights XXXX XXXX XXXX ( ACCT # XXXX ) has violated my rights 15 USC 1681 section 602 ( a ) states I have the rights to privacy.

15 USC 1681 section 604 ( a ) section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
MY FEDERALLY PROTECTED CONSUMER RIGHTS HAVE BEEN VIOLATED! 
The above referenced accounts do not belong to me and I want them deleted from my credit report.
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I am looking over my credit report and for the past few months XXXX  is the only company that show 's my XXXX 's card that I am on. The issue here is the other credit reporting services are not reporting my accurate information. I have spoken to them on the phone as well as XXXX 's. I have provided a screen shot of XXXX  showing I have a barclay 's account with a XXXX balance. I am trying to get my credit utilization under 30 % and them not updating the accurate information is becoming a problem. If anyone has any questions please feel free to call you. Looking to get everything up to date as soon as possible. I understand with everything going on In the world that things take longer but I have waited a few months now and nothing has changed. Hopefully you can be of help and we can resolve this.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (MO)

Equifax showed a hard inquiry from XXXX. That I didn't recognize or authorize, I filed a dispute and Equifax ruled that it was legit and it would stay on my credit report ( the other credit reporting agencies never showed such an inquiry ) when I called the number given on the dispute response, I was informed I didn't have to give anyone permission to make a hard inquiry, and all someone needed was to have my soc sec #, BUT .... it could be more favorable if I were to purchase an upgrade to my equifax for like {$20.00} ( I can't remember the exact amount ) I was extremely upset to realize that you could BUY better credit reports, the lady recognized my being upset and suggested I put a freeze on my account, then I wouldn't have to worry about it if I didn't want to upgrade, so I did. Just yesterday in order to apply for a local credit I had to lift the freeze only to find that they have a {$28000.00} account that has been paid off for 3 months still in active status causing an adverse decision for credit when XXXX have shown me for excellent credit.. when I went to dispute it equifax said dispute site is down, REALLY? It's not the adverse decision that has ne worried, its the power equifax has over my credit and insists that I pay for upgrade to get normal treatment, how is it that this is allowed? Another part of our constitution XXXX XXXX  XXXX!