davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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. (AL)

On XXXX XX/XX/2022, I noticed two charges on my credit card from XXXX that had been made that day. Discovered it was a jackhammer and truck top carrier. As a single-lady, about to move to an apartment and with a torn rotator cuff ( I was undergoing XXXX XXXX at the time ) - the jackhammer just would not be my thing. And the truck top carrier did not go with my XXXX. 
XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX I immediately called the credit card company to report fraudulent charges and they closed the credit card and sent me a new one. I then realized I should contact XXXX which I did on XXXX XXXX and they changed my password and removed these two purchases from my account. ( It was an incredibly busy week and it wasn't until the weekend I could tackle this. ) I thought all was good, but then I was shocked to get a letter from the credit card company on XXXX XXXX saying I was responsible for the charges because " You received benefit from this transaction. '' Not only had I never received these items, and XXXX had noticed a sign-in from a new device on the day this purchase was made, neither item or purchase now existed on my XXXX account- they had been removed. So the merchant recognized these purchases as unauthorized and took steps to protect me when requested - but not Chase ( Amazon card ). The reference # from my first call to XXXX was SR # XXXX - according to XXXX, all of these calls are recorded and the credit card company can ask for the information about what was said, etc. 
I disputed their findings not just once, but twice more -THREE times. I spent an inordinate amount of time on the phone with XXXX asking them for more information about these two purchases to give to Chase- but they said they could only give the information to my credit card company when they were investigating - not me. The problem is my credit card company is not doing due diligence with an actual investigation and is continuing to charge me for a purchase that is not disputed by the merchant, but has been removed by the merchant. I can't even find out what these two items are, or who the seller was - because unlike all my other purchases, these are no longer on my account and searching for the numbers doesn't bring up anything. 
I called XXXX again on XXXX XX/XX/2022, and they were not able to find these purchases on my account, so they are unable to help me in any way. This customer service person ( this conversation is SR # XXXX ) told me it looks like someone used a guest account to make these unauthorized purchases. I was also told that XXXX can not do anything beyond what they have already done, and that I need file an unauthorized purchase with my bank.
Consumer complaint received 2022-10-01
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: North State Acceptance, LLC (NC)

In accordance with the fair credit reporting North state acceptance 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 2 : 604 A section also states a consumer reporting agency can not furnish a account without my instructions.
Consumer complaint received 2022-10-01
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (MA)

XX/XX/XXXX Certified Mail XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Credit Report Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

LVNV FUNDING LLC ACCOUNT ENDING IN XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. The original creditor was listed as a XXXX retail credit card. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
XXXX previously removed the accounts from my credit file, but I recently discovered this debt is back on my XXXX credit report. As XXXX XX/XX/XXXX, XXXX began to report the account once more on my credit file. This isnt right and the loan should be deleted from my file like it was several months ago. 

Please let me know if you have any questions. 
Sincerely, 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
Consumer complaint received 2022-10-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

XX/XX/XXXX Certified Mail XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Credit Report Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

XXXX XXXX XXXX ACCOUNT ENDING IN XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. The original creditor was listed as a XXXX retail credit card. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
XXXX previously removed the accounts from my credit file, but I recently discovered this debt is back on my XXXX credit report. As XXXX XX/XX/XXXX, XXXX began to report the account once more on my credit file. This isnt right and the loan should be deleted from my file like it was several months ago. 

Please let me know if you have any questions. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MD)

I have come to the point where I have exhausted all other options of why American Express has not wanted to honor it's commitment to taking care of military soldiers. One of your campaign themes is honoring and supporting the military but when it comes to reducing the interest rates on your loans, you look the other way. This has at least been gross misrepresentation and neglect not to mention it is against the law. Not only have you done this over the last few years on my accounts but my wife 's as well who is a military spouse ( same household ). I have included some members of congress in the hope that they will ensure that American Express commits to actions versus just words. Included are my orders dating back to XXXX in which case American Express has given very weak answers as to why you can't reduce your interest rates to at least the required 6 % while a servicemember is on XXXX XXXX. I do recall many years ago, XXXX XXXX XXXX did this same thing and paid a heavy penalty in front of Congress and since they have gone above and beyond to take care of military personnel and I think now is the time for American Express to do the same. Listed on the last Fax Coversheet are all of my accounts with American Express as well as my wife 's in the hope that you will once and for all correct your gross mistakes. Attached are my orders that I am currently on dating back to XXXX
Consumer complaint received 2022-10-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (ND)

I am currently a Successor of interest on my FHA loan. I have been trying to make a payment or work out payment arrangements since XXXX. At first they refused to acknowledge my divorce documents. Then when COVID started and forcloser proceedings were stopped. I entered into COVID protection for XXXX  months. Two months prior to my forbearance being up I reached out to my servicer to work out a modification. I even filled out assumption paperwork per their request My servicer insisted that my x husband sign a quick claim deed ; he will not that is why the judge did it for him during the divorce.

A default judgement was entered against my x husband and myself - I couldn't obtain legal counsel to fight the forcloser. Once I did he just seemed to hold my hand through the process. 
Doing nothing to actually fight for me. The bank proceeded with the forcloser but did have me fill out yet another modification forum for the third time- they made an offer in just a few days and said they needed XXXX  days to do a title search, weeks later they took it off the table saying it never happened. My attorney did not get it in writing nor did I. We had no proof of the offer so they told me it didn't exist. I dreamt it up!!! 
I applied for XXXX  XXXX and my servicer REFUSES to talk to my state agency. I informed Midland Mortgage in XX/XX/XXXX and again on XX/XX/XXXX that I applied for XXXX but they refuse to acknowledge.. 
I received a letter from the state of ND dated XX/XX/XXXX and the Midland Mortgage has yet to contact them. Regarding my XXXX application. 

Please help me!!!!
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

I applied for Citi AA Advantage card through the link in their promotion solicitation email and got declined. XXXX XXXX XXXX XXXX. The decline reasons are not used credit amount and recent open accounts. I fine with the decision if I decide to apply for the card and go to their website solely by myself. However, I made the application because of continuous promotion solicitation I received. I have top tier credit and can be approved for any credit card if credit is the only consideration factor. While Citi AA Advantage keeps sending me the application solicitation emails throughout the year, which gives me a message that, I passed their screening criteria all the time and will be approved for the card. Such emails are misleading, and such message led me to apply for the card. Besides, Citi collected my XXXX  in the application. While I am a XXXX XXXX XXXX XXXX XXXX, I am afraid that information could also impact the application.
Consumer complaint received 2022-10-01
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: SANTANDER HOLDINGS USA, INC. (FL)

Last active dates are different ( XX/XX/XXXX XX/XX/XXXX ), charge off/collection between XXXX XXXX XX/XX/XXXX but the month of XXXX no data provided. Past due amounts on closed accounts
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MO)

On XXXX-18 I tried to purchase a same-day cheap mattress for delivery within 24hrs at XXXX XXXX at XXXX XXXX XXXX , XXXX XXXX MO XXXX ( XXXX is the manager ). When I realized that per a phone call initiated by XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX OH XXXX ) phone # ( XXXX ) XXXX was forcing me to accept a Credit card ( to be mailed in 10 days ), I told XXXX at XXXX XXXX   ( ext XXXX ) to cancel and he refused.He also refused to give me his last name or employee I.D . 
I never signed any documents or filled out anything authorizing a Credit card of any sort. I never received any authorization Code, allowing Synchrony to access any credit reports. I have a Fraud alert on ALL of my reports. Please penalize XXXX XXXX. At a different store, I bought a mattress on XX/XX/18, about an hour later.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

Santander is continuing to furnish inaccurate information to the credit bureaus that they were ordered to remove last year pursuant to the settlement agreement with the attorney general 's office. my credit report currently reflects an auto loan as charged off opened XX/XX/2017 and closed XX/XX/2017 balance {$13000.00} Santander continues to ignore their responsibility in this matter and has maintained this disputed account as accurate. they are violating both Federal and state laws. I demand accountability and action to resolve this matter as I am being harmed as a direct result of their failure to comply with the law.
Consumer complaint received 2022-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am disputing Capital one of this alleged debt. 

Capital One has violated my right to privacy. Capital one has not notified me of my right to dispute debt. Capital One is defaming and humilating me with their unfair, impartial and negative reporting. 

Capital one has used multiple tactics to make me believe they were NOT a debt collector. Capital One has harassed me through texts, emails and phone calls trying to collect on this alleged debt. Not once did they notify me of my rights as a consumer. 

I am exercising my rights in good faith as a consumer and am notifying Capital One of this dispute. I expect Capital One to cease reporting adversely and to cease & desist communicating with me.
Consumer complaint received 2022-10-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am appalled by the lack of responsibility on the Credit Bureaus behlaf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please remove the disputed account : The Account XXXX XXXX XXXX XXXX Balance Owed : {$810.00} was in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to zero or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.
Consumer complaint received 2018-02-08
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: WELLS FARGO & COMPANY (MD)

I tried speaking to customer service at Wells Fargo on XX/XX/2018, the day after I was notified that my credit had been pulled. I was transferred several times to different departments, each department saying they wouldn't be able to help me with this situation. I was trying to reach the fraud department. They denied that they had a fraud department. Whoever I ended up speak to at Wells Fargo ended up hanging up on me. I wasn't sure what to do or how to resolve this issue. So now I'm filing a complaint on through consumer finance in hopes that this fraudulent inquiry will be resolved.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/23, I received a notification from my XXXX account, notifying me of a new hard inquiry on my credit report. I have not applied to anything new recently, and I have no idea what caused this. I believe it said the hard inquiry was made by capital one, which is especially confusing, because I already have accounts with them, and would not need to open any more. Please help me find out what this hard inquiry was caused from and if I can get it removed ASAP, thank you!
Consumer complaint received 2023-10-16
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (SC)

Charges were made on my card that I didnt know about as I vowed to never use the card again after they lowered my credit limit. Someone charged to my account without my knowledge. The bureaus said I would have to have a police report which I was unable to get due to the police needing to know if it was online or in store and XXXX XXXX had no way of showing this. The police needed to know this in order for them to know which branch would need to file the report.
Consumer complaint received 2022-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I submitted a completed application request for modification a year ago. And the company repeatedly marked the application as incomplete for vague and dishonest reasons. For example, they repeatedly marked marked that my income taxes as incomplete without and without a status which was not true. Eventually, they finally told me I didnt qualify for modification. Then they tell you they were still working on it. 

I filed a complaint with the agency in XX/XX/2022 to which they had 60 days to respond. They responded. Essentially, they stated that I needed a {$32000.00}, down payment to qualify. I dont have that and I wouldnt have had {$20000.00}, either - assuming they would made that offer a year ago. Due to the XXXX Pandemic XXXX units were vacant and severely damaged by tenants. I do have police reports. 

Specialized or at least certain employees never had intentions of trying to help. I can email CFPB every document that was sent to them as well as a screenshot of my account as to why the application was incomplete. I finally had to log on to understand what the issues were which was in my opinion intentionally vague. Please send a email link so that I can forward my proof and documentation. 

Thank you!
Consumer complaint received 2022-10-01
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: EQUIFAX, INC. (IL)

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 Equifax are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute account does 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 remove the account. XXXX XXXX XXXX XXXX XXXX  ; If Equifax feel there is a possibility the account belongs 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 Equifax 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 2022-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (AZ)

XXXX sold this account to 2 different collection agencies and the debt is not mines and now its on my credit report as a duplicate account source receivables and receiveables performance for the same amount of XXXX neither of the accounts belong to me. They just dropped my score XXXX points I want this removed immediately.