davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (TX)

In XXXX we experience the loss of our property and had and insurance claim. With chase being the lein holder they told us they would hold XXXX until the home was completed. It took us many years to complete the house after the contractor walked out on us We were told that upon completion chase would send an inspector and the money would be release to us. Which was never done upon contacting chase they are saying the check was sent to us in XX/XX/XXXX and we cash it but refuse to send me documents saying because it was so long the signature is not legible.. I have spoke to chase who told me the money was deposited in an escrow acct. another told me the check was never cashed the research department keep saying we cash a check we never saw. And why was it mailed out without an inspection as we were told..
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (NY)

Card : Goldman Sachs Apple Card- which is both a general purpose credit card ; AND a deferred payment plan for XXXX devices ( 3 XXXX, 1 XXXX ) with no interest charge for 24-36 months. 

There are two cards for this shared, co-owned ; and are supposed to be available to us both in our XXXX Wallets. 

ISSUES : ( 1 ) the second co-owner is UNABLE to add his card to his Apple Wallet application, and it has been over 12 weeks since problem was first reported to both XXXX and Goldman Sachs WITHOUT any resolution ; ( 2 ) as customer / consumers we are UNABLE to reach senior technical support management for a regular update from either GS or XXXX ; ( 3 ) we use a XXXX XXXX XXXX for ALL our financial and bank statements ( for mail security ), yet GS will not permit customers to use this legal, legitimate addressing method for our accounts ; ( 4 ) GS will not allow both credit card owners to PREPAY ( make additional early payments ), by XXXX device, that are on monthly ( interest free ) payment plans.
Consumer complaint received 2022-08-09
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)

I've reviewed my credit report and noticed an unauthorized XXXX account # XXXX. I've disputed this account multiple times pursuant to 15 USC 1681 ( a ) ( 3 ) Experian has replied that they have verified this account but have yet to send my what they have verified. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After several attempts this inaccurate information has not been deleted from my report.
Consumer complaint received 2022-08-09
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 (MI)

On XXXX XXXX I attempted to purchase airline tickets for an up coming XXXX Bonding trip from XXXX on XX/XX/2022 thru XX/XX/2022. I purchased using XXXX in which it was later cancelled due to declining it wouldve make my card limit wouldnt been over the daily purchase limit funds for {$1400.00}. On XX/XX/2022 XXXX  XXXX XXXX. they sent an email stating they can Cancellation : XXXX was indeed cancelled. On XX/XX/2022 about XXXXXXXX XXXX. I went the XXXX airport and stood in line 3 hour to purchase the ticket from an agent. I didnt inform the agent then that they cancelled my original reservations, and they should refund those funds. The agent didnt find anything so she couldnt cancel it either. I called Capital while at the counter to complete my transaction and see if the hold for {$940.00}. That email confirmation notice was via email. I at the airport and called Capital One to see if check my card had availability and it did. It was charged in the amounts of {$570.00} & {$210.00}. 15 minutes after the counter purchase with an agent one person decided not to go there XXXX refunded {$71.00} over the phone that same day. The Capital Once agent stated that {$940.00} should fall off and still had enough to repurchase the tickets while he was on the phone that day it was about XXXX. eastern standard time. Please refund my funds back to original form of credit card payment. XXXX is known for not wanting to refund after 24 hours. However, they had already done that and the lady at ticket counter didnt find flights that was done the night before as well. I urge you to please reconsider and return those funds back to card asap. I try ot keep my usage down or pay off within that same month. Im already dealing XXXX XXXX XXXX XXXX XXXX and grieving, Im XXXX and have XXXX issues that I take medication for. This has caused me more stress than I need right now.
Consumer complaint received 2022-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : 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 2022-08-09
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX  XXXX Date opened XX/XX/XXXX Balance {$410.00}.
Consumer complaint received 2022-08-06
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. (CA)

About 1 year ago I noticed my credit score had decreased drastically, I checked and saw that there was a Bankruptcy listed under my name. I reached out to the credit bureaus to attempt to resolve this issue. They all said their Bankruptcy information is all retrieved from XXXX. I then reached out to them and they told me to reach out to the court where it was filed. I reached out to the filing courthouse and there was no such filing there. I then got a letter from the court saying that the information at XXXX was wrong and XXXX soon after deleted the information. Now I am trying to reach out to the credit bureaus and have sent them so much evidence and documentation. XXXX and XXXX have deleted the information but Transunion has not. I do not know what to do as I keep on sending them letters, requests, calling etc. I have all the evidence that this was not me.
Consumer complaint received 2022-08-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I have a vehicle that was repossessed by XXXX XXXX XXXX XXXX in the State of TEXAS on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of TEXAS UCC 9.614 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have a reported balance of {$9800.00} showing on all three of the credit bureaus. 

I was never provided with copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I have reached out to all three of the credit bureaus as well as XXXX XXXX for proof of the resale of the vehicle and have yet to receive anything.
Consumer complaint received 2022-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Select Portfolio Servicing assumed the collection of mortgage fees dated XX/XX/XXXX. Loan was transferred from XXXX. The last payment to XXXX was made XX/XX/XXXX. SPS immediately charged me for the XX/XX/XXXX payment even though their date of servicing the loan was XX/XX/XXXX due date XX/XX/XXXX. This immediately put me in arrears 1 month as SPS claimed I did not pay the XXXX payment to XXXX. SPS assumed servicing the loan after I completed a XXXX mortgage ( XX/XX/XXXX to XX/XX/XXXX ) assistance program with XXXX State Housing Authority that allowed me to keep my home from being repossessed. My wife and are both XXXX XXXX. I believe SPS intentionally leveraged the XXXX payment in order to put us in arrears and create another default situation coming off the mortgage assistance program. SPS also charged me a new loan setup fee ( XX/XX/XXXX ) in the amount of XXXX which ballooned my principal amount from XXXX to XXXX once they assumed servicing of the loan. I can not refinance my loan because my credit report shows the principal amount includes the XXXX. Putting me in arrears created late fees. SPS is still charging me late fees even though my mortgage is on ACH and timely.
Consumer complaint received 2022-08-06
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. (MS)

In accordance with the Fair Debt Recording Act XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # 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 2022-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC. (TN)

XX/XX/XXXX I received an email from Ally bank that I had opened an account when I had not opened an account. I called Ally bank and they verified my information and closed the account but could not tell me how someone else had opened an account in my name.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE (WA)

XX/XX/XXXX I received a letter from Barclays Bank saying that my XXXXXXXX XXXX XXXX XXXXXXXX XXXX  was approved. I never applied for that card. I called their Customer Service and was told that there was no account with them under my name. I never received a credit card from them. XX/XX/XXXX I received a bill that the credit card for which they had no record and I never received was over due. NO initial bill, just a bill that it was over due. I contacted their fraud team twice. I disputed it with all three credit bureaus twice. I filed a police report. They closed the account but continued to send letters saying that I charged the card. I hired an attorney who sent them a letter in my behalf. In the middle of this I received an alert from one of the credit bureaus that they had filed a judgement. I spent 3 hours on the phone calling multiple court houses trying to get the details. I filed a complaint with your organization. On XX/XX/XXXX I received a letter from them saying that they have investigated and I or someone to whom I gave authorization charged that credit card. My family lives XXXX miles away. My friends have their own credit cards and don't use mine. I only live with pets to whom I have never given authorization to use my credit cards besides not being able to use a computer, get a ride to a store and don't have thumbs. On XX/XX/XXXX I received a letter saying that they will stop contacting me but may send " required correspondence or information concerning my XXXXXXXX XXXX XXXX XXXX XXXX ''. I don't have the account according to their own Customer Service Department and even if I did, they closed it several months ago. I have been fighting this for 8 months. I want no more correspondence from them about anything. If I receive any further contact from them, I will immediately forward it to my attorney and file yet another complaint for the Consumer Financial Consumer Protection Bureau
Consumer complaint received 2022-08-06
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act 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 2022-08-09
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$98000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-06
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: M. G. Credit, Inc. (CA)

In accordance with the Fair Credit Reporting Act, MG Credit Account # XXXX, violated my rights. I have never done business with MG Credit. MG Credit illegally reported invalidated information to my XXXX report. 

In addition to, pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 602 A : I have a right to privacy.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish an account without my written consent.

Lastly, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), I requested an investigation and debt validation. However, I did not receive debt documentation to validate debt.
Consumer complaint received 2024-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (VA)

I reviewed my monthly statement from Citibank for my Sears credit card. I have been a loyal consumer on this card for over XXXX XXXX 
I noticed that a portion of my balance is now being charge a XXXX  % interest rate on purchases. I have not been late on my payments and had no idea that this increase was coming or for what reason. Upon contacting a Citibank representative named " XXXX '' no last name given as he is protected by law. He identified himself as a manager in XXXX. He told me that the FTC had approved this usurious rate increase and that consumers had been notified by mail in XXXX. I never received that letter. 
I am, quite simply, outraged that ANY bank would charge such a usurious interest rate to their customers without notice. That increase is XXXX % over the previous interest rate of XXXX %. When did the US Government begin to allow, nay, encourage, banking institutions to engage in USUSY. That is a very unsavory term with very negative assoicaitons throughout history and yet Citibank is now a USURER with Government permission/approval. 
What can a consumer do? I have spoken to XXXX and he says its legal to arbitrarily increase the interest rate even though I have not been late on a payment.
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NV)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act 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 2022-08-06
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. (IN)

I called XXXX XXXX and Transunion told them someone is fraudulently using my social and putting a bunch of inquiries on my account which I did not cause. Its also causing my credit score to go down they refused to help for whatever reason.
Consumer complaint received 2022-08-06
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. (AL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} Date OpenedXXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/2019 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4600.00} Date Opened : XX/XX/2019 XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} Date Opened : XX/XX/2019