davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (TX)

I deposited a check through the mobile app, actually 2 checks, and they closed my account both the savings and the checking, when I recieve my money I dont recieve the amounts of the two checks, I go to the bank I they say they are going to hold the money until the person who wrote the check comes to a BRANCH, this person is outside of the Country! And he cant come in!, He made The manager of his Bank, make a letter confirming he was the one making the check so please release the funds, and they havent done any of this!
Consumer complaint received 2020-08-25
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. (NV)

I have multiple accounts, names, addresses, socials, and phone numbers on my credit report that do not belong to me. I did lose my wallet with all my personal info around 9-10 years ago but did not know it was being used until recently. I have filed a police report and disputed it with the bureaus and they said it was proven to be valid which can't be true and have shown me nothing to prove it to be true.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Hi my name is XXXX XXXX and my phone number is XXXX. I have recently received a robocall from someone named Maryland that claims she is affiliated with Capital One Bank, and was trying to contact me in regards of my checking account. I received the voicemail on XX/XX/2020 at XXXX XXXX pacific time. I dont even have an Bank account with Capital One. I think that this is a Scam Artist trying to get access to my personal information. I hope that someone can investigate this matter to prevent possible bank fraud and or ponzi scheme or some other type of money laundering. Thank you
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit has reported a XXXX bank account collection 4 times the month of XXXX and it has negatively affected my credit score and life. This account has not been confirmed as mine and they have failed to produce adequate documentation supporting the matter which I initially requested XX/XX/2020. Spoken to XXXX XXXX XXXX who is assisting midland credit in the dispute. 
Original account number with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I have repeatedly called Fifth Third Bank ( my mortgage company ) for a Forebearance letter in order to get a reverse mortgage on my house and they refused to give me this letter. 
They also refused to provide my reverse mortgage company ( XXXX ) and I gave them power of attorney to obtain this info. 

I am XXXX years old and without this letter my house can go in foreclosure and lose my house. 

My account # is XXXX Phone # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Home phone XXXX
Consumer complaint received 2021-02-05
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)

In XX/XX/XXXX, I applied for a home loan on the XXXX. On the XXXX, another application was submitted through a different group. While XXXX  and XXXX  took off the second application on my hard inquiries, TransUnion did not and has still not. I contacted them via phone call on XX/XX/XXXX to get them to do so and they said that on their end it is considered as one inquiry but that it will remain visible on my credit report for the two year time period and that if I want it removed from the report I would have to obtain a letter from the creditor myself saying that they authorize its removal.
Consumer complaint received 2021-02-20
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. (CO)

Hello On XX/XX/XXXX I contracted a individual secured auto loan for {$5800.00} with the XXXX, and monthly payments of {$120.00} were due on the XXXX of each month. The first part of XXXX I had lost half of my income and attempted to keep things a loft however things did fall behind, at the first part of XXXX I did fall behind on the loan however sporadic payments where made. On XX/XX/XXXX I received a call from XXXX collections I spent over an hour on the phone when over this account and another one. I believed had made myself clear that I was wanting to pay this loan off in full during this call and the XXXX rep never informed that the loan was about to be charged off I also had two pending payments one for XX/XX/XXXX & XX/XX/XXXX. It appears that the XX/XX/XXXX did not go thru, and they called and spoke with me again a couple of days later and also never updated me on the status of the account. My issue is XXXX never informed me that the loan was in a charge off status for me to prevent it, XXXX had several opportunities they should have provided this information either during the out bound calls or on my monthly statement, they hid what my account status from me. XXXX stated they sent my account to XXXX XXXX never spoke with XXXX they never contacted me, as I had already been in contact with XXXX charge off area and made them aware that the loan was going to be paid in full and was paid to them on XX/XX/XXXX not to XXXX so another lie from XXXX. Under the fair credit act XXXX should be updating the account holder of the status of the account in this case it was about to be charged off, XXXX should have never charged off the loan with out notifying me so I could attempt to correct the issue. 

Here is a short history what XXXX has put me thru when i asked why they charged off the loan and pulled the phone records 1st. I was told I hung up the call and that is why the loan was charged off 2nd. XXXX XXXX said I had made a promise payment that was missed and the loan went into charge off, and it is XXXX policy don't to discuses when a loan will be charged off with the account holder 3rd A combo between a missed payment and I told them not to call them, but the call on the XX/XX/XXXX & on a couple of days later was out bound call from XXXX collections so another lie My most recent call with XXXX XXXX I believe went well, however the response I received in writing did not match what she said. XXXX keeps changing their story trying to see what will fit to make them sound good in this issue, however this is bank error and needs to be corrected. The staff at XXXX will just lie so I have no other option to seek help here, so everyone can see what XXXX lending practices or lack of them.
Consumer complaint received 2021-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE BANK USA XXXX XXXX Date opened XX/XX/17 Balance {$0.00} I'm just serious about the validity and reliability in your present evaluation and the missed payments meant for this particular account and exactly how it is reporting on my credit report. Around 45 days ago I applied for an examination because I felt the item seriously isn't being stated lately. To my surprise, I accepted a mail expressing that your assessment was achieved and that the item had been " determined as correct. Below Section 1681 ( g ) kindly give me a summary of the method accustomed to determine the account is " legitimate '' and post me the name and addresses of persons got into contact with in every guideline found in the FCRA.
Consumer complaint received 2022-07-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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. 
Equifax Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate
Consumer complaint received 2024-09-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I opened XXXX Deposit checking and XXXX Deposit savings accounts with Citizens Bank on XX/XX/year>, using promo code XXXX, which I received through a targeted mailer mailed directly to me. Citizens formally let me know that the accounts had been opened on XX/XX/year> ( see attached email ). The bonus advertised is up to {$700.00}, with {$350.00} for completing the requirements for the checking account and {$350.00} for completing the requirements for the savings account. I successfully completed both of the sets of requirements, but I only received the bonus for the checking account. Based on the schedule provided, the {$350.00} bonus for the savings account should have posted by XX/XX/year>. However, when I called them to ask why the savings account bonus had not posted, they claimed that I did not sign up for the savings account on the same day as the checking account and therefore am not eligible. However, I signed up for both accounts at the same time on the same day using their online system.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a few accounts that I found on my report that are inaccurate and fraudulent. I believe someone has accessed a account using my personal information. Please delete the following accounts : XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-09-26
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. (PA)

I emailed a live agent a copy of my cease and desist letter, the agent confirmed the email was received and I should be contacted within two days ( 48hours ) from an agent from the billing department. I was never contacted, rather late payments were reported to my XXXX and Experian consumer reports. I am not sure as to why these payments were reported late or even reported to my consumer report at all when the representative stated that the company does not report to credit bureaus. Further, the company continues to contact me even after receiving my cease and desist letter.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a transfer on XX/XX/2022 for {$560.00}. I found out it was a fraud attempt and immediately contacted Bank of America. I went through their process and they said I should contact the bank it was wired to and that they could not help me. They said it was XXXX XXXX XXXX XXXX which hasn't seemed to be in operation for years. 

My claim was : XXXX
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC. (CA)

Hello, I transferred my stock out of Robinhood to XXXX on XX/XX/2021. Robinhood charged me {$75.00} for this privilege, without letting me know a ) that this fee would be applied, and then b ) had been applied. There is also no transparency as to how this fee was applied, because my account was nearly all stock, with less than {$75.00} worth of cash in it. 

I emailed customer support on XX/XX/2021 and got a non-answer response. Other than that customer support reply, I have no record of this fee being applied! 

I am sure there are tens of thousands of people who have lost money due to the same thing.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (DC)

I entered into lending agreement with Amerisave in XX/XX/XXXX for a mortgage on a single-family residence in Washington XXXX All documents requested were provided and the loan moved into the final underwriting stages in late XX/XX/XXXX. On XX/XX/XXXX, I was provided closing disclosure documents ( attached ) for a mortgage nearing approval. Included in that document was a credit for {$13000.00} ( section L6 on the signed document attachment and closing disclosure ). On XX/XX/XXXX, I was notified that my loan application was approved and was provided a final closing disclosure which contained the same credit and contained a final dollar amount needed to close the loan. On XX/XX/XXXX, I proceeded to sign documents to close on the loan, assuming the accuracy of all documents provided up to that point in good faith. All documents for the mortgage were signed on XX/XX/XXXX and the sale was agreed to with the dollar amounts matching those provided to me previously. 

On XX/XX/XXXX, I received an email from the title company stating that the final closing disclosures, as provided to me on XX/XX/XXXX, XXXX, and at the loan signing on XX/XX/XXXX were incorrect and that I had incorrectly received a lender credit. The title company stated that the lender refused to settle the loan until I paid the outstanding amount of the credit in the amount of {$13000.00}. At no time did anyone from Amerisave reach out to notify me of their error. I attempted to contact them multiple times, as did my real estate agent. They refused to do anything and warned me that by not paying that amount, I could potentially be in default and lose the deposit I had put down. Despite my objections, I paid the amount demanded in order to close on the loan so as not to be in default and lose my deposit.
Consumer complaint received 2022-05-02
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 XXXX Account # 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 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

I recently was notified that my mortgage is reporting 30 days late as of XX/XX/2020. This must be incorrect as I have been making on time payments on my mortgage for quite some time now. It's only reporting on XXXX and I'm certain this has to be some kind of system error.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good morning i have been sending to the 3 credit bureaus dispute letters since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about the inaccuracy and incomplete of the accounts they are reporting. i do have proof that i been sending letters. I have been trying to make sure they correct and delete the inaccurate accounts but they have not even update or send me any correct information.
Consumer complaint received 2023-05-24
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. (TX)

I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The person who owes the debt is in the hospital on a XXXX  with XXXX  and not expected to survive but i have told them this but they call about 10 times a day every single day of the week. i block every number they call but have called from about 35 different numbers. they have been calling for about 6 months since i have been here for my family member suffering from XXXX. they call all day and night.
Consumer complaint received 2023-05-24
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. (MO)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-12-11
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (VA)

XX/XX/XXXX called customer service regarding refund to my card. found out a hold was on my card and needed to contact merchant for Fortiva to process the refund. Called XXXX XXXX found out there was no hold to process. Called Fortiva back let them know that the order had been canceled immediately so there was nothing to process. they said there was nothing they could do. they then said that my card was suspended I asked why. they could not give me an answer. they said someone would get back to me in 24 to 48 hours.

XX/XX/XXXX. I called Fortiva to see if I could get more answers. They transferred me. They said my card was suspended because they needed to verify me and to send a selfie of me holding up my license next to my face. I asked why was the card suspended, and why did they need the selfie, they said again to verify. no other clarification. 
XXXX. I called Fortiva again. this time I spoke with Fraud Supervisor. I asked Her to review the notes from the previous days and to please provide more details as to why my card was suspended. she said the account needed to be verified. she also mentioned that the 24 to 48 time period would not begin until Monday. I had mentioned that I was waiting to hear back for the reason why by phone or email and that it should be by the end of the day. she said it would not occur. Tuesday would be the latest. 
XX/XX/XXXX. As I write this today at XXXX I have not received mail, email, text, phone call, any form of communication from Fortiva about the details of this suspension of the card. I called again today, spoke to the Fraud supervisor XXXX, ID number XXXX who repeated the same message. Needs to be verified. I asked when the card was suspended. he mentioned it was suspended on XX/XX/XXXX. I mentioned to him that on the XXXX I had a purchase that got canceled by XXXX XXXX using the Fortiva Card, because they were not able to contact me to verify me to make sure I was making the purchase. I thought it was odd because they never did that before. and they had the correct info on my account to reach me. the other thing I noted was that on XX/XX/XXXX I made a purchase for the exact same Item using the Fortiva card, even though it was supposedly canceled. I even called XXXX XXXX to make sure I verified myself prior to the purchase just so they wouldn't cancel the item again. 
I brought this to the Supervisors attention and he made no further effort to resolve the issue, look into the claim I had made, nothing.