davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Blackhawk Network Holdings Inc. (VA)

I wanted to purchase a general-purpose prepaid debit card for my son to take to camp. I purchased a {$100.00} card at a   XXXX   XXXX   XXXX   on   XXXX   XXXX  , plus a {$4.00} fee. The packaging says " Explore Everywhere : Use at Theme Parks, Museums, Tours, Zoos & National Parks in the U.S., Everywhere Visa Debit is Accepted. '' I assumed that " Everywhere Visa Debit is Accepted '' and Explore " Everywhere '' meant what it said, but it does n't - the card is apparently only usable at certain types of locations. I immediately called and asked for a refund, and they say they are sending me a refund of the {$100.00} but would not refund the {$4.00}. Their packaging material is false and I have received no value from the card, which I did not use.
The card was issued by   XXXX   and is distributed by Blackhawk Network California , Inc.   XXXX  . The card is  XXXX . I put it in my son 's name   XXXX   XXXX   and my name is   XXXX   XXXX
Consumer complaint received 2017-07-18
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. (FL)

An account showing delinquent on my credit report. I contact the company and they request it remove from all   XXXX   credit bureau.   XXXX    removed it but equifax refuses to remove it on several attempts from me and from the reporting company. They state that regardless if the account does n't belong to me it has to stay on my credit for 7 years.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX MEDICAL XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$76.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX  XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

I have a problem with my " CLUE '' report from LexisNexis. LexisNexis was reporting wrong information, I disputed it with LexisNexis and XXXX, but could not talk to XXXX as I was not a policy holder and nobody would return my calls. My disputes started on XX/XX/2020 when I sent my dispute to both LexisNexis & XXXX. After disputing information that was missing on claims, XXXX changed the details of the claims to wrong information. For instance : Many claims had no birthday, drivers license, or other identifying information. After my XXXX dispute, XXXX filled in the information with wrong info, info that wasn't mine and continues to 'verify ' it, even though it is not accurate. 

I sent another letter to LexisNexis on XX/XX/2020 telling them still, that my file must have been confused with someone else 's, and the information is wrong. They have never replied. I also asked for a copy of my consumer report on the same day, which was never sent.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

Chasee refuses to remove unverified and inaccurate information on my credit report. I have disputed  XXXX  accounts information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company.
They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also cont acting Adult Protective Services for  help.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Consumer complaint received 2017-05-07
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (OR)

On about  XXXX   XXXX  i had my   XXXX   XXXX   account switched to my business checking for auto pay and  XXXX  dollars over the min payment and then I get notified on the  XXXX  of  XXXX  that im 2 months behind they have record of me switching it but evidently messed up and put auto pay for  XXXX   XXXX  then told me they could not do any thing to reverse what had  XXXX  reported to credit agency so this has ruined my 8 years of  100  percent payment history and dropped my score now my other credit cards have lowered my limit by thousands inaffect raising credit utilization lowering score more and raising interest and payment I have worked really hard at hav ing 100 percent  history and never make min payment for 8 years for this to happen over   XXXX   XXXX  t mistake is not rite and for other cards to lower limit raising utilization is even worst I hope someone can help me thanks  XXXX
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello, my name is XXXX XXXX. I have an account with Capital One National Association since XXXX. XXXXXXXX XXXX I have set up several scheduled payments with Capital One, but they consistently withdrew the payments later than the scheduled date. When I became aware of this issue, I contacted Capital One customer service, but I was transferred from one department to another. Finally, I was advised that they would re-run the payment so that I would not have to make another payment due to their error.

However, despite their reassurance, my account became delinquent. Capital One began contacting me frequently, making more than two to four calls a day, using a spam number. 

I have tried to solve this matter in the best way, but the company ignores my correspondence, I have spent a lot of time and my emotional and financial life is being affected by this problem. 

I have worked with the company for over 8 years and have never been late, have paid on time, and have tried to build a good credit score. I also have another account with Capital One for 7 years and I have a good payment history with them.
Consumer complaint received 2017-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIBANK, N.A. (AZ)

I purchased a central air conditioning unit from XXXX XXXX XXXX with my Home Depot credit card. XXXX XXXX XXXX  is the company Home Depot uses. I made this purchase on XXXX XXXX, 2016 from a sales person sent to my home. The unit was installed on XXXX XXXX, 2016. The price was {$9400.00}. After the installers left I noticed the air coming into the bedrooms was hot air so I called them to come back. They came back the next day and said there was nothing wrong with the unit. I did find out later from the gas company that it had been hooked to the furnace when they installed it incorrectly. Evidently, on one of their trips to my home they got that part fixed but, it still did n't cool as it was suppose to cool. I was told by the salesman XXXX that he had given me an estimate to replace the duct work. He never even mentioned nor gave me any estimate of duct work. He then said, " I have been in this business long enough to know how to protect my XXXX ''. He said he would not help me and then hung up on me. I contued to call them and called Home depot as well. In XX/XX/XXXX I became very ill and had ungone XXXX XXXX. I was not able to continue calling these people. Then I had another XXXX XXXX on XX/XX/XXXX of this year. At this time the heat began to get higher so I called Home Depot. They said the prblem had been resolved and XXXX XXXX XXXX had replaced the duct work. They had never done that. Finall about a month ago they came in and replaced a portion of the duct work but, now the temperature has a variance of 7 to 10 degrees different in the bedrooms from what the thermostate is set at. I 've called Home Depot again and they said they no longer deal with XXXX XXXX XXXX so there is nothing more they can do. I have called XXXX XXXX XXXX and they will tell me they are sending out someone but, they simply do not show up. I have told Home Depot that I will not be making any further payments until this is made right. No one is doing anything and I believe the price they sold this unit for should be cooling the home.
Consumer complaint received 2017-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

I never received a dunning letter from ERC. The only notification was when ERC reported the collection on my credit report and I received the alert via the credit monitoring program I am enrolled in.     I sent a certified debt validation letter  XXXX . ( attached ) ERC reponded  XXXX , almost  one month and 15 days later and did not validate the debt accord ingly . ( Letter  attached )
Consumer complaint received 2017-07-18
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. (TX)

TransUnion is in violation of FCRA Section 623 and FCRA Section 611 Part ( A ) ( 1 ).
On  XXXX   XXXX , 2017, TransUnion signed for a certified letter that I sent formally challenging the accuracy, compliance and reportability of information on my credit report regarding   XXXX   accounts from   XXXX   XXXX   XXXX   XXXX  . I requested them to validate this information and provide me with copies of any documentation bearing my signature. I also notified them that I was aware of FCRA Section 611 ( a ) ( 1 ) ( A ) and that I would be keeping records INCLUDING their method of verification and that I do not consent to   XXXX   or any means of automated verification.
On XX/XX/XXXX , I received an updated copy of my credit report with a cover letter that included a statement that I could " ... also request a more detailed description of how the investigation was conducted along with the business name, address, and phone number of the source information. '' I had already included that request with the initial letter. There was no documentation of this verification, including no documentation of my signature or proof that these alleged accounts were mine.
On  XXXX   XXXX , 2017,  XXXX  signed for another certified letter I sent advising them that I was formally requesting a description of the procedure used to determine the accuracy and completeness of the information, and that it should be provided within 15 days of the completion of the reinvestigation. I requested the name, address, and telephone number of each person they contacted regarding these alleged accounts.
On   XXXX    XXXX , 2017 I received a copy of my credit report with the same stock cover letter that stated, again, I " ... may also request a more detailed description of how the investigation was conducted along with the business name, address, and phone number of the source information. I have not received the documentation from the original request of XX/XX/XXXX  as requested. They have also failed to provide the documentation from the 2nd request of XX/XX/XXXX . There is no proof valid verification took place, which should include the name, address and phone number of whom they received the information from, and what information was received to verify these alleged accounts, including any document bearing my signature.
Consumer complaint received 2017-07-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

There have been a multitude of problems with this account. First the most important is that for 1 year they have not fixed the issue of applying funds correctly which is about   XXXX   in funds they did not apply as requested and applied to fees I disputed and have proven to them multiple times I did not owe or were paid to previous servicers in the past. Previous servicer mishandling of funds is something the servicers need to handle and with one that went out of business and was involved in the class action lawsuit CFPB filed against them for fake forced placed insurance and another that I am in class action lawsuit against for misdated paperwork causing harm. Now also the latest with BSI and all is attached for for proof. I had sent in a payment of  XXXX  and told them to apply the   XXXX   in unapplied funds they had on there to complete the payme nt of    XXXX  . They did not do that but is was specified on payment coupon and also faxed them copy of what was supposed to be done on  XXXX  XXXX /17. On  XXXX / XXXX /17 as soon as I saw that they did not apply correctly I called   XXXX  . I requested the funds be applied correctly. The Customer care rep said she could not help me and transferred me to   XXXX   XXXX   to my contact   XXXX   XXXX  . I had sat on hold for 12 mins and previous to that call sat on hold for another 15 mins. Now   XXXX   XXXX   who was supposedly my contact has never once contacted. He never returned my phone calls. Then on  XXXX  XXXX /17 a letter that was delivered on  XXXX / XXXX /17 all of a sudden changes my  SPOC  to   XXXX   XXXX  . I requested someone call me so that I make sure payments applied correctly and if they were not going to apply the  XXXX  and  XXXX  correctly which is attached they need to stop reporting delinquent. They are over {$6000.00} funds applied to bogus fees I have never agreed to applying my funds too and that is attached. This account should not be 101 days delinquent. The games that BSI plays is astounding. CFPB there are over 1000 complaints about this company when are you going to do something. This is not a one person issue it is thousands being abused here.
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In  XXXX - XXXX , I made futile attempts to refinance my mortgage with Countrywide Financial at a time when a failing Countrywide was being acquired by Bank of America ( BofA ). I later tried to refinance/modify the mortgage with was BofA ; however, I became suspicious when given inaccurate information, told to skip payments, and learned that their mishandling of paperwork was probably the reason for the inability to service the mortgage ; so in  XXXX , I stopped making payments.
Needless to say, Bof A hired a law firm to pursue foreclosure (  XXXX  ). I responded with a Qualified Written Request ( QWR ), for the original promissory note and its assignments. A notice of insufficient response was also sent, and they consequently ceased collection efforts.
Three years later, BofA hired another law firm to pursue foreclosure ; however, they had produced a transfer of assignment, dated  XX/XX/XXXX . My complaint is not only was the transfer of assignment communicated three years late ; thus violating the mortgage contract, and the Real Estate Standards and Practices Act 12 U.S. Code 2605, but also that the transfer of assignment contains a commonly reported " robo-signature. '' Further, by having the second law firm file this fraudulent transfer with the   XXXX   XXXX   XXXX   Court, they have violated the National Mortgage Settlement.
Consumer complaint received 2017-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

After having banked with US Bank for several years on  XX/XX/XXXX  I received a letter notfying me that US Bank was opting to close my account based on what they deemed to be " Suspected Irregular Activity ''.
Despite filing a rebutal my account was " Closed '' offically on  XX/XX/XXXX and a cashier 's check issued by US Bank in the amount of {$920.00}. On  XX/XX/XXXX  in an effort to open another checking account at a diferent institution I was informed that US Bank reported me to "   XXXX   and   XXXX   XXXX   XXXX   '' after re-opening my " closed '' account without notice in an effort to charge me for a questionable charge previously disputed in  XXXX  of  XXXX .
Upon receving this information I made contact with my previous branch vie US Mail with a signature gurateee card along with a detailed letter to US Bank outlining my fidnings and questions surrounding questionable branking practices and lack of supporting documentation supporting the re-opening of a closed account without my prior acknowledgment.
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NY)

I was given  a {$50.00} Netspend debit card as a gift . The card did not indicate that there 's an outrageous {$5.00} monthly maintenance fee! The entire gift was thereby lost. What an awful company!
Consumer complaint received 2017-07-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Equifax is in violation of FCRA Section 623 and FCRA Section 611 Part ( A ) ( 1 ).
On   XXXX    XXXX , 2017, Equifax signed for a certified letter that I sent formally challenging the accuracy, compliance and reportability of information on my credit report regarding   XXXX   accounts from   XXXX   XXXX   Student Ln. I requested them to validate this information and provide me with copies of any documentation bearing my signature. I also notified them that I was aware of FCRA Section 611 ( a ) ( 1 ) ( A ) and that I would be keeping records INCLUDING their method of verification and that I do not consent to   XXXX   or any means of automated verification.
On   XXXX   XXXX  , I received an updated copy of my credit report with no changes and a simple statement that the account was " verified. '' There was no documentation of this verification, including no documentation of my signature or proof that these alleged accounts were mine.
On   XXXX    XXXX , 2017, Equifax signed for another certified letter I sent advising them that I was formally requesting a description of the procedure used to determine the accuracy and completeness of the information, and that it should be provided within 15 days of the completion of the reinvestigation. I requested the name, address, and telephone number of each person they contacted regarding these alleged accounts.
Today is   XXXX    XXXX , 2017 and I have not received the documentation from the original request of   XXXX   XXXX  , nor have I received the documentation from the 2nd request of   XXXX   XXXX  . It has been beyond 30 days, as required by law, for the investigation to be complete.
Consumer complaint received 2017-07-18
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: CITIBANK, N.A. (TX)

Airline ticket was purchased for two adults in  XXXX    XXXX   on   XXXX   XXXX    2016 . The tickets were then cancelled with the airline according to their policy on  XXXX   XXXX  2016. AS per airline policy, each ticket was separately cancelled, but was purchased as  one  transaction. I received credit for  ONE  cancellation and the other ticket was NEVER refunded.  XXXX   XXXX   (  and have sent confirmation emails ) stating that  Ticket No  :  XXXX   XXXX  was was refunded via  Refund Request No  :  XXXX .     A dispute was filed with Citibank (  XXXX   )  promptly on the original purchase, as that was the only way to file the dispute for a missing transaction in their systems. During the course of this dispute, Citibank cites emirates as saying the ticket number was invalid. I have send copied of the ticket and the emails from emirates and have also independently confirmed with  XXXX   XXXX  at the  XXXX  office in  XXXX  (  XXXX  Xtn :  XXXX   )  that it is indeed a valid ticket and shows as reissued.     Citibank closed the dispute saying I do not owe a refund citing the SAME original letter they sent me in  XXXX , for which I had given all the necessary documents to show that the ticket was indeed valid. I do not believe that the merchant was contacted with the updated information provided to them in  XXXX , but the dispute was closed with a charge to me in  XXXX . I could not reach anyone that can talk to me on this matter as further attempts to reach out to Citibank was not returned / answered.     This is matter has taken several hours of my time, and I have been hung up on the phone with citibank multiple times. The last time,  XXXX   XXXX  in Billing disputes said she accidentally hung up and was on another call when another customer service agent asked for her. She promised to call me back within a few minutes on   XXXX  /2017 at  XXXX  and I am still waiting for that call back. I believe I have exploited all options in dealing directly with Citibank and need assistance in resolving this dispute in a fair manner. In the mean time, I have had to pay the balance and I believe that is extremely unreasonable for citibank to expect from me.     Thank you,  XXXX
Consumer complaint received 2017-07-18
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: CITIBANK, N.A. (PA)

I opened a Citibank card in  XXXX  of  2017 . Upon reviewing my hard inquiries, they did  two  credit checks on   XXXX   /17    - one with   XXXX   and  one  with  XXXX . I was told that there would be  one  hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.