davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (PA)

American Express decided to close my account due to a dispute I put in there was a large amount of {$220.00} pending in my transaction I had no knowledge of the charge thats the reason for my dispute they canceled out my old debt card and sent me a new card number and insured everything is good to wait 10 business days for the investigation they let 10 days go by I called them XX/XX/XXXX I was told to wait Monday a extra business day Im in a very emotional stated of mind due to how I was being treated they sent me a email yesterday declined the dispute also closed my account I also found out from someone in my household they used my card with out my permission they apologize and agreed to work it out I am legally XXXX I have documents to prove i need someone around to assist me living daily activities, I called several time and got rudely unprofessional customer service behavior I explained the situation that was told to me from someone who was assisting me that lived with me. I was sent a email saying I violated terms I dont understand I havent committed a crime or any fraudulent activity I had no knowledge about the transaction. I had money inside my account they closed i have a XXXX XXXX  XXXX  child who is due for his medication this coming Thursday the medication is to prevent him from having XXXX without his medication he can got in a episode. Also I have plane tickets for next week along with hotel stays I was supposed to be traveling to Florida for my grandfathers funeral due to the situation it looks like I wont be there my direct deposit is scheduled to come this week from Social Security in the next two days it will not have access this companys behavior is harsh inconsiderate and rude I explain my whole situation to them and what happened also wrote a letter because the customer service representative stated that thats the only way my account will be opened up and then I called back again she said they will not open it is permanently terminated Now every time that I do call I get hung up they act like the call has dropped so I stop calling
Consumer complaint received 2020-03-06
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE AUTO HAVE LATE PAYEMENTS AND I HAVE AUTOMATIC PAYMENTS. THEY MADE A MISTAKE NOT ME. I M NOT A CITIZEN I WOULD NEVER RUIN MY CREDIT. THEY IGNORE ME THEY ACT LIKE THEY CANT UNDERSTAND MY LANGUAUGE I SPEAK XXXX AND I USE A DICTIONARY TO WRITE. I NEED THEM TO STOP PAYING WITH ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX red_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX green_status red_status green_status red_status red_status red_status red_status red_status red_status red_status red_status red_status XXXX no_info_status no_info_status green_status green_status green_status green_status green_status red_status red_status green_status green_statu
Consumer complaint received 2020-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BB&T CORPORATION (VA)

I went to the website XXXX and contacted the person on the website to about purchasing a kitten. They emailed me from XXXX and said the kitten was XXXX and XXXX for shipping. I had many conversations with the person. They showed me pictures, videos, etc. I have purchased animals online before so I had no clue this was a scam. I paid thru XXXX {$1000.00} on XXXX. The cat was going to be shipped to me by plane on Friday XXXX. The seller sent me the plane information, told me the cat passed the wellness check to fly then told me I needed to rent or by a special cage. XXXX to buy or XXXX to Rent. Send her the money and she will take care of it. when I get the cat it will be refunded to me 100.00 % at the airport. I called XXXX XXXX and they told me that was a scam. They said do not do it. So I told the seller I could not afford than and would like a refund for the animal. They said they would do it the following morning. Since then I have not heard anything from the seller. The website is XXXX email address they used with XXXX is XXXXXXXX XXXX XXXX and phone number on the website is XXXX they gave me the address of XXXX XXXX XXXX XXXX XXXX CA XXXX. I have reported this to my bank. They are in the process is investigating and working with the other bank to get my money returned to me. I just wanted to buy a kitten and they not only stole my money but I am not getting the kitten that I fell in love with from videos and pictures. People like this make me sick to my stomach. If we could find them I have no issue pressing charges against them. XXXX Reference code XXXX
Consumer complaint received 2020-03-07
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: SYNCHRONY FINANCIAL (PA)

SYNCB/PPC is reporting that I was late on a payment which is totally incorrect. I have never ever been late as you can see from my credit report. One report reflects i was late in XXXX while another report reflectsthe same exact account was late in XXXX. This information is totally inaccurate and my ask is that you will PLEASE conduct an investigation into this inaccurate information that is hindering me from continuing to become the best version of myself. This is causing my health  to go down so please help me!
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I had a secure checking account with chase that starting closing the first week of XXXX and didnt " officially '' close till mid XXXX. I tried going in to branch to withdraw my remaining balance ( money from my paychecks deposited XXXX/first week of XXXX ) and was told id have to wait for a check in the mail which i should expect the first week of XXXX. That week came and went and I decided to phone in the end of the second week to see what was going on. When I finally got through to someone who was able to help, they informed me that no check was ever issued out because 3 days after they had originally told me id receive a check, they changed their minds and decided id only get my funds pending verification from maker. Ive deposited all my checks from that company into my account and Chase never gave me an issue, id always get my funds after the 9 day hold time. Long story short, they tried calling while I was on phone with them and kept getting a disconnected tone. They asked if I was able to get a hold of someone from company, and I informed them that I no longer worked there so my only option would be to drive to my former employers location, so thr next day before work thats exactly what I did, only to find out that the company was no longer in business. I again called chase and told them the situation and was told Id pretty much have to track someone down that could verify if I ever wanted to receive my funds. Im running out of options on what to do. I think its unfair that I cant have the money I worked hard for, especially because my checks have cleared and been given to Chase since XXXX/XXXX. Its now XXXX and I still have been given the same run around. Please help
Consumer complaint received 2024-11-17
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. (GA)

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Consumer complaint received 2020-02-12
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. (NY)

I've been paying my child support obligation via pay roll deduction since XX/XX/XXXX as per court order. On XX/XX/XXXX the child turned XXXX years of age and was emancipated by the courts and the child support payments was terminated. i obtained 3 letters as evidence one from the courts. one from social services and one from the child support stating that the account is closed with a XXXX balance obligation. This account is being reported as COLLECTION in XX/XX/XXXX. i sent the credit bureau the 3 letters as proof that my child support was not a debt it was an obligation that was fulfilled with a XXXX balance when the child turn XXXX   years. please help
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Immediate Credit Recovery (WA)

Re : School loan Account # XXXX I am writing to ask your help in resolving my efforts to pay off my son 's school loan. Please note that I am not an account holder or co-signer. 

He has given me his written permission to negotiate on his behalf with the Department of Education, Immediate Credit Recovery Inc. ( the collection agency ) and any other interested party. My attorney   advised me that, by statute, a payment of 90 % of the amount then due would satisfy the loan and end the garnishment. He also advised me to seek help myself before employing him to act for me. 

I have tried to do this. My son has had no written updates from anyone concerning his loan since XX/XX/XXXX, when it had mounted from the original {$38000.00} to {$64000.00}. Since XXXX his wages have been garnished and income tax return seized. 

On XX/XX/XXXX, I sent 90 % of the XXXX figure to the Department of Education as instructed, asking whether that, plus the garnishment and tax return, was adequate to satisfy the loan. 

My check for {$57000.00} promptly cleared my bank on XX/XX/XXXX. Success? However, I heard not a peep from the DOE or its collection agency. Garnishment continued. As of XX/XX/XXXX, {$5500.00} had been taken from his earnings. I believe the tax return was small, but don't know the amount. 

When I first spoke to Immediate Credit Recovery Inc., I was instructed to fax my son 's permission before they could speak to me. I don't have a fax, and they refused to accept an email with attached photo. I tried calling the Department of Education. It required all my persistence just to get the correct phone number, and then I was greeted with an insurmountable phone tree. The tree did tell me that as of XX/XX/XXXX he owed {$68000.00}. ( What about my XXXX check? What about his garnishment and tax returns? ) On XX/XX/XXXX, I sent appeals to both the DOE and ICR for correction, and included XXXX XXXX   permission and documentation. I also faxed this mailing to ICR. To date I have had no written response. I do not want to speak to either of these agencies. I believe we have overpaid, and I want a documented calculation showing my XXXX payment and all garnishment and other confiscation, and removal of any interest or penalties added since XXXX. 

I am attaching my letters and can provide other documentation as required. 

Thank you for any help you can give us.
Consumer complaint received 2020-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Collections, Inc. (TX)

I noticed a collection on my credit report I didn't recognize. I mailed the agency a request for validation on XX/XX/XXXX via certified mail XXXX tracking number XXXX XXXX XXXX XXXX XXXX ). They replied in a letter dated XX/XX/XXXX, but not received by me until XX/XX/XXXX. They asked for more information which they would already have on file since they are actively reporting the account to the credit reporting agencies in my name. This letter was a blatant dodge of the FDCPA.
Consumer complaint received 2020-03-06
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: BARCLAYS BANK DELAWARE (NC)

We ordered an on-line streaming service ( one year subscription ) from XXXX XXXX XXXX XXXX using our Barclay 's XXXX XXXX XXXX XXXX XXXX Mastercard. We were charged twice for the service, each in the amount of {$99.00}, for a total charge of {$190.00}. The service was cancelled by XXXX XXXX XXXX  who confirmed the cancellation in writing. We disputed the charge through the credit card company with the supporting evidence of cancellation. Despite this, the credit card company reinstated the charges and we have paid them in full. We believe it is incorrect for the credit card company to charge us for a service which the provider itself confirms was cancelled.
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MN)

We purchased a XXXX XXXX XXXX and increased our payments to get the vehicle paid off within XX/XX/2020. 

They claim they never got the extra payments or they were not applied correctly. 

They have done this, as well as selling lemons as well. Check your Attorney Generals office. Theyve lost quite a few cases.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a purchase through Kohls.com on XX/XX/XXXX for {$88.00}. I made purchases in the store on XX/XX/XXXX and XX/XX/XXXX for {$34.00} and {$11.00}. Apparently my due date was XX/XX/XXXX but I never received a statement notifying me I had a balance. I also did not receive an email, phone call or any other correspondence that my payment had not been made. On XX/XX/XXXX I was charged a {$27.00} late fee and on XX/XX/XXXX I was changed a $ {$38.00} late fee. It wasn't until XX/XX/XXXX that I received a notice by mail that they had not received the amount due so I called and discovered I had a balance due on XX/XX/XXXX. I explained I have several credit cards and rely on a statement to know when I have a balance and when it is due. I was told I should know it's due the 7th of each month. The representative agreed to credit the late fees and I paid the balance immediately while on the phone but the late payment information was submitted to the credit agencies. My credit record shows I always pay my bills on time when I'm aware I have a bill. My credit score went from XXXX to XXXX. I have since cancelled my Kohls credit card that I obtained in XXXX.
Consumer complaint received 2020-01-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

To whom it my concern, The loss mitigation submission was submitted to the servicer Mr. Cooper on XX/XX/2019 and was confirmed received by the servicer on XX/XX/19. On XX/XX/19 the servicer confirmed they never opened and reviewed the new submission as due to the file being denied from a previous submission from XX/XX/2019. On this day a new review was opened up with the submission from XX/XX/19 with updated income documents included. This review was denied due to missing documents. On XX/XX/19 a newly updated package was sent with all updated documents. This file stayed in review pending an issue with the 4506-t in which we sent to them 5 times however it kept getting rejected by IRS for an unknown undisclosed reason. On XX/XX/19 I confirmed with the servicer the 4506-t was finally accepted and the file was pending a decision. On XX/XX/2019 the file was denied for excessive obligations. The file was resubmitted with updated income showing a change in circumstances on XX/XX/2019 and denied again on XX/XX/19 however when it was denied I requested we go over the financials and at this time noticed they were not using the income and expenses from the submission dated XX/XX/19 they were using the numbers from the file submitted back in XX/XX/19. I advised there was a financial change in circumstances and the submission sent on XX/XX/2019 needed to be the one they were reviewing. On XX/XX/2019 I submitted a complaint to the escalations department stating they have not been using the correct income and expenses and also attached another copy of the XX/XX/XXXX submission for their review. To date I have not received a response on my escalation at all and was told by the servicer I will need to resubmit the entire file again although I just sent it a week prior. Also in the process of getting the run around with the loss mitigation review and miscalculating the income and expenses the lender sent a notice showing the investor as someone completely different than who it is. I called the VA and confirmed the loan is 100 % a VA loan however the investor they are showing does not reflect the VA.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

The credit bureaus ( TransUnion, XXXX and XXXX  XXXX have been provided Satisfaction Letters with regard to a creditor 's tradeline XXXX XXXX XXXX XXXX XXXX XXXX  yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor ( XXXX XXXX  ) has referred to me the assignee ( XXXX XXXX XXXX ) and XXXX XXXX  has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. Thank you
Consumer complaint received 2020-03-06
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. (GA)

XXXX is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from XXXX. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.