davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have called repeatedly to ask for a lower interest rate. I have been a long time customer, and have never been late and in fact I pay the paymnt right after it gets on line. I also pay extra on it before the next due date. All they can say is they don't have a lower rate for me. nO REASON WHY THEY CAN'T EVEN THO i TELL THEM HOW LON g I have been with them no late payment and I pay extra. They are rude and mean.This company is Capital One credit card.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc. (WA)

I received a credit card in the mail from Prosper that I DID NOT APPLY FOR. It has a number on it to call and activate the card and a XXXX XXXX on the back of the card which I did call to report fraud and no one answered after 30 minutes on 2 different calls so far. 
I reviewed my 3 different credit reports and 2 of them listed soft inquiries from Prosper within the last month. 
It appears to me if I call the activation number it will likely be automated and will act as a tacit request for a credit account with them so I did not call that number.
Consumer complaint received 2022-02-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-02
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)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (MN)

I went into a program called XXXX XXXX XXXX. I had another account with US Bank that I also put in this program as well but the account ending in XXXX is the only one that US bank is showing incorrectly on my credit report.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (OR)

I have had accounts with NFCU since XXXX. I have logged into my online account since XXXX, and used XXXX XXXX XXXX for logging in and all my browser use since XXXX. It refuses my login after 16 years of my logging in : it has trackers installed. These trackers include XXXX and XXXX and XXXX. ( See attached screenshots. ) This is underhanded, violating privacy, and should be illegal for a financial institution. It apparently wants me to disable my tracking blockers. I have exclusively used XXXX or other XXXX XXXX since XXXX. The FTC even has several web pages on how to protect privacy in four different browsers. Since XXXX or earlier, NFCU login page has intermittently refused to allow me to log it. See attachments including rejection message. I had not previously had trouble logging in. I have called with a complaint to NFCU at least once. They did nothing but tell me to use XXXX  browser or restart my wi-fi : XXXX XXXX has worked for XXXX years of my use. I reported it to the XXXX with no response. The login rejections have become more frequent. I refuse to disable my ad blockers and tracking blockers. NFCU 's response to use XXXX because its programmers flunked everything but XXXX in high school is unacceptable. XXXX  violates privacy. Its other responses to reset my computer and wi-fi worked intermittently, and now do not work at all, and are an unacceptable " solution ''. I attach several screenshots of my blockers blocking XXXX trackers, XXXX trackers, XXXX analytics, XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX. It is unethical for any financial institution to have XXXX, XXXX, XXXX, XXXX, XXXX XXXX  and XXXX ads and trackers. That is a reprehensible practice by any institution, but even more suspicious, unethical and criminal when practiced by a member-owned financial institution.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (FL)

Greetings, I have an issue Midland Fund has been garnishing funds out of my check from XX/XX/XXXX till present for a company name XXXX.. The creditor ( XXXX ), I never open an account with them ; when I called Midland on XX/XX/XXXX to rectify the issue, they said that the account was opened XXXX to XXXX. I also called the school legal specialist about it and he said that Midland went to court and the judge signed the request to garnish funds out of my check from XXXX XXXX XXXX XXXX XXXX. Here 's the total amount to be paid to the Plaintiff includes the Final Judgment amount of {$1700.00}, plus postjudgment interest pursuant to 55.03, Florida Statutes, from the date of the judgment, and post-judgment court costs, less post judgment payments received, for a current balance of {$3600.00} which shall continue to accrue post judgment interest until paid in full. Any funds remitted by the Garnishee to the Plaintiff prior to the entry of this Order are being held pending the disposition of this Order. 
All and all, this XXXX credit line was not open by me in XXXX to XXXX and I believe it is a fraud and I would like the money back which they garnished out of my check.
Consumer complaint received 2022-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Several unexpected loan inquiries on my credit report on XX/XX/2021 when I arrived at the dealership with my own financing from my credit union XXXX XXXX. These unauthorized inquiries included : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX  XXXX Also XX/XX/XXXX, XXXX was another unauthorized inquiry as I already had approval from XXXX XXXX on this day.
Consumer complaint received 2022-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

I placed an order through a XXXX XXXX for clothing from XXXX XXXX. I received items but they were not the items that I ordered. I tried to look up the company but could not find a website or any information for them. I paid through Pay Pal so I opened a dispute. They said I could receive a refund if I send the items back and pay for the shipping myself. The problem is, the items totaled {$160.00} and the shipping cost estimate is {$270.00}. Pay Pal said there is nothing they can do. I feel like Pay Pal has misled me to believe that they would offer me buyer protection in the event I did not receive my items. The only way they will refund my money is if I spend more than the items cost to ship it back. 

XXXX XXXX has no website, no contact information and they never sent me a receipt of my order. This company should also be investigated for scamming customers out of their orders and not providing a receipt.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my checking account back in XXXX, I went to the branch and tried to reopen the account today, and they told me I was not able to, and they would not tell the reason. I have been the loyal client to them, and I need a chase checking account to make my life easier because my fiance is banking with chase.
Consumer complaint received 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This should not be on my credit report, this is inaccurate information on my credit report. I would like these accounts removed as soon as possible as it is damaging my credit report. The law clearly states it under 15 U.S.C 1681G Law violation. 


Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3700.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type FHA Mortgage Balance on XX/XX/XXXX Loan Amount - {$180000.00}
Consumer complaint received 2022-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX by XXXX  XXXX is not reporting accurately. XXXX XXXX fico score does not update. Credit wise will not delete the XXXX  XXXX accounts that are closed instead XXXX XXXX is reporting on XXXX XXXX and XXXX XXXX XXXX closed XXXX XXXX acconts as open. XXXX XXXX will not delete duplicate accounts of XXXX XXXX XXXX XXXX does not report accurately on my credit profile to Transunion, XXXX and XXXX. XXXX XXXX only reports on my XXXX XXXX accounts. XXXX XXXX repair credit service does not do what it says it will do it appears to be bias to other accounts and does not consider accounts in good standing thus continuing to report on XXXX  XXXX closed accounts as open and curtails the score very low. XXXX XXXX points never reaching ove XXXX  points but decreases monthly due to closed accounts being open. 
The total amount of debt XXXX XXXX is reporting is inaccurate. The credit usage is inaccurate. 
The XXXX XXXX shows average on for accounts paid on time this is unfair.
Consumer complaint received 2022-02-02
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: FC HoldCo LLC (AR)

On XX/XX/2021 there was four inquiry on my credit report from the companies listed : Flagship Credit acceptance, XXXX XXXX auto finance ( finance ), XXXX XXXX ( finance ), XXXX XXXXXXXX XXXX that i do not recognize. I have dispute them with the companies and also XXXX, XXXX, and XXXX has verified and remove the inquiries from credit report but XXXX and XXXX will not remove them. Even though i have put a fraud alert on all 3 accounts.
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

My loan was originated and serviced by united wholesale mortgage from XX/XX/XXXX until XX/XX/XXXX. my loan was purchased for servicing by Chase Home mortgage on XX/XX/XXXX. the letter for servicing stated that none of my loan details would change. however, they have since changed the monthly amount of my PMI ( increased ). and my loan had an escrow waiver. my taxes are on auto pay and due quarterly. next payment was due XX/XX/XXXX. the payment was made by me on XX/XX/XXXX. noticed i had an escrow advance on my account with Chase, and increased my balance by the amount of quarterly taxes ( XXXX ). Chase told me that they have the right to pay my taxes since they have ownership interest in my home and said they can not refund me my money. they are opening a case about it. they unethically and unlawfully spent my XXXX dollars without my consent. i have never signed a document for chase mortgage. in essence chase mortgage has robbed me and doesnt own up to it or look to help out in any way.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company (OH)

On XX/XX/2017 i had a bill go to collections due to not being able to pay it with XXXX XXXX XXXX  XXXX Oh XXXX XXXX XXXX XXXX Oh. A year later i paid the bill and had a balance i did not know of since no one ever contacted me about it. I called XXXX XXXX to see if it was paid and they said i owed a balance of {$45.00}. So i paid it then and was told that it would be updated in XXXX account or removed from my credit report. The item was removed from XXXX XXXX and XXXX but not XXXX for some reason. For the last year and more i have called XXXX XXXX and Merchants Credit XXXX the reporting Company to have this updated or removed and each time they told me that i still owed it. I informed then that i have proof that i paid it from my checking account and i will send them a copy of it to show it was paid two years ago. 
My girl friend even said its only {$70.00} and she would pay it. She paid it with her account and according to her bank the money was put back into her account. Yet they told her that it bounced which was not the case. 
I then contacted XXXX XXXX who is a Attorney used by XXXX XXXX and myself to look into it. He sent them the copies of my checking tp show it was paid and they said it is not. and to this day it is still showing that i owe {$70.00} to XXXX XXXX when they themselves said i have a zero balance with them.
Consumer complaint received 2022-02-01
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. (PA)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Google Compare Credit Cards Inc. (NJ)

Google XXXX owes me {$200.00} for the Trade-In of a XXXX  XXXX. So far, they have not paid as promised. 

The Following is the latest of several communique to Google XXXX, for credits owed for the trade in of Google XXXX  XXXX. The email below explains the problem. 

: To date, I have yet to receive the money you owe me ; neither for the unused coverage ( {$52.00} ), nor for the return of the XXXX  XXXX ( {$150.00} ). You keep giving the reasons that ; ( A ) The account must be fully closed, and ( B ) You need 30 days for processing. The Account has been closed since XX/XX/2021 ; that's 127 days ago. The reasons for the refund had nothing to do with either. The {$52.00} is due for the Traded-in of the equipment before the end of the coverage term and the {$150.00} is for the return of the equipment itself.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (SC)

I have been trying to receive a copy of my recent payment history with Barclays Bank Delaware, due to the wrong amount owed showing on my credit report. I have made several unsuccessful attempts to have a payment history either mailed or emailed to me. Each time I've called I've been transferred back and forth between customer service reps after waiting on hold for 30 minutes or more. I want this information in order to have my information updated on my credit reports.
Consumer complaint received 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IA)

I had purchases charged to my Discover Banking accounts ( Debit Card ), Discover Card ( Credit Card ), and XXXX XXXXXXXX ( Debit Card ) that I either did not make and/or were charged erroneously to my Accounts. I had deposited my personal funds and my XXXX XXXX, Iowa, legally appointed Guardian/Payee funds that I had withdrawn from the XXXX XXXX XXXX into the Discover Banking account. The XXXX XXXX XXXX, in conjunction with the Discover Banking account personnel, are charging my account and my Guardian/Payee account monthly account balance fees ( {$63.00} each ). After closing the Discover cards, I was told that it would take sixty ( 60 ) days to refund my personal funds because the accounts were closed by Discover for suspicious activities in each and in the interim charges would continue to accumulate and be deducted from my personal funds. I am enclosing copies of letters from XXXX and Discover.