davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (ID)

The whole process has been confusing and frustrating. Opened a card with XXXX, but was never prompted to make an account with the credit issuer ( Synchrony Bank ), and never received account information, so was unable to see card information or log in to XXXX to pay. The only option I had was to click pay as guest in the emails they sent. Incredibly shady and predatory, they purposefully obfuscate the process of managing your card.
Consumer complaint received 2024-04-30
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. (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. 
has violated my rights. 


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

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.

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

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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-07-18
Product: Credit 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. (TX)

I purchased a XXXX XXXX  ticket through XXXX on XX/XX/XXXX for Friday XX/XX/XXXX to Monday XX/XX/XXXX for {$260.00}. Throughout the booking process, XXXX was advertising free XXXX cancellation with full refund. After purchasing it, I tried to upgrade it to extra leg space as I was with my son and was not able to. Customer service was not helpful, so I decided to cancel it ( trusting the 24-hour free cancellation promise ). When cancelling through XXXX, I was told to cancel through XXXX XXXX website, but it was down. I reached out same day ( Sunday XX/XX/XXXX ) to XXXX XXXX and was able to cancel with promise that it is a free cancellation within XXXX hours. After cancellation went through, I receive an email telling me that I have cancelled and have a reservation credit. I won't be using XXXX as I will mostly be travelling with my son and will need extra leg every time which I was not provided here. I reached to XXXX asking why I only have a reservation credit and not full refund as advertised and was told additional to the 24-hour cancellation policy, the ticket needs to be booked at least 7 days before. This was not mentioned anywhere through my booking, and this was my first information. After submitting dispute to chase, they reached out to merchant who provided the fact that the ticket is nonrefundable and never mentioned the 24-hour policy. Chase did not request additional information from me as I have screenshot of what the page told me when I cancelled. I wasn't given the opportunity to review merchant reply and dispute was denied. No denial notice sent me. I figured out this looking through my account, called chase and was told it is past appeal time.
Consumer complaint received 2024-07-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was invited on their website KohlsXXXXXXXX to see if I was prequalified for their Kohl 's store card. I was given the following number : XXXX, after receiving the prompt " You are prequalified. '' I then applied and was denied. I do not want this to affect my credit score. I also find this misleading advertising, as it invited me to apply stating I was prequalified.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX I received a notification from the Capital One app that an XXXX charge for XXXX was received. I called because I had not ordered anything with that card that day. I rarely use that card on XXXX. 

I was told they would issue a new card, that it was the virtual card that was used and they would open an investigation and would contact me for additional information. 

On XX/XX/XXXX I called because the charge was back on my card. The gentleman I spoke with told me because Id made charges in the past ( months earlier ) to XXXX they decided the charge was legitimate. They claimed I used the virtual card although my XXXX account shows the regular card number. He said he would investigate further. He called me later and left me a message to call back with questions. 

On XX/XX/XXXX I called again and asked what information was received from XXXX and was told that they verified that I had an account. I asked for a copy of the information received from XXXX which she said was my account with my address not the transaction. She refused. She also couldnt tell me if there was a transaction on my XXXX account which there was not. 

They do not want my documentation from my XXXX account and will not offer an appeal.
Consumer complaint received 2023-04-28
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # # # # # # XXXX, has violated my rights. 


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

15 U.S.C. 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NY)

Someone stole my personal information and opened 2 store credit cards ( XXXX XXXX XXXX and XXXX ). There were purchases made under those two cards of almost XXXX dollars. I have been receiving mails from debt collectors asking me to pay that amount that I have no idea where it comes from
Consumer complaint received 2024-05-29
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: CLGF Holdco 1, LLC (ND)

I received an email from Credit XXXX that I had a new hard inquiry. Upon reviewing it appears that there was a hard inquiry ran from XXXX XXXX on XX/XX/year>. I have not applied or inquired for anything regarding credit cards.
Consumer complaint received 2023-04-28
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. (AL)

On XX/XX/XXXX I received an email fro XXXX XXXX stating to visit the store before my loan can be approved. I was at work at this time and had no knowledge of it. I called at XXXXXXXX XXXX on XX/XX/XXXX and XXXX XXXX who then advised me to call law enforcement to report it as fraud. I called XXXX XXXX again and XXXX XXXX who advise me to send her my police report via the email she sent attached with all requirements on XX/XX/XXXX. I received my police report XXXX because it was a corrected one from XX/XX/XXXX that wasn't filled out correctly. On XXXX I called XXXX XXXX and XXXX XXXX and she stated she will send me a relief letter in the mail in 7-10 business days but allow 60 days to be removed from my credit report. I waited until XXXX and called Equifax and XXXX XXXX. She advised me that she see the request to remove the inquiry and to allow 30 days and game me XXXX as a confirmation number. I checked my report on XX/XX/XXXX and the inquiry is still there. I called equifax at XXXX and XXXX XXXX which told me she see the notes for the inquiry to be deleted but it still show on my credit. Now she tells me she don't see the info that XXXX XXXX sent to them for it to be deleted. I asked for a supervisor and XXXX XXXXXXXX. He advised me that XXXXXXXX XXXX reported again in XXXX and readded admission of inquiry therefore its still on my credit. I have all of the paperwork even the letter from XXXX XXXX. I just want this removed from my credit file. I can prove I was at work and no computer access to even file online.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

They stole my identity and opened accounts which I am disputing and requested an independent investigation which they did not send to me and they did not delete the accounts from my credit report. These are the accounts Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX an unauthorized transfer of {$5000.00} was made from my Ally savings account to a joint account and from there the transfer disbursed multiple ways. I called the bank two days later to confirm I did not authorize this transfer. The joint account holder did not have access to my primary savings account, and I was told by the bank that he must've made the transfer but that was not possible. I was then told that yes, this was a fraud case and that my account had somehow been " mirrored '', and it would be investigated, and I would receive my money back within 30 days. That did not happen, I called again and representative apologized and said that information was incorrect, and it would be at least 90 days. I have called Ally bank multiple times between XXXX XXXX and spoke to many representatives and was transferred around many times and spent hours on the phone for each phone call I made. 
By early XXXX I was then told that the bank found that this transfer was legit and that my funds would not be returned. Throughout this process, I asked for all these details in writing and never received. I asked to speak to multiple managers, and everyone stated that nothing could be done. I was never given details of the " investigation '', nor did I ever have a direct contact phone number to those working on my case. It has been an absolute horrible experience with no real answers. I simply don't understand how a bank has zero accountability and misled me for 5 months and continued to promise that my funds would be returned.
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: DApps Platform, Inc. ()

the following is the problem : i cant do a transaction because of an error of the platform, i wrote to the support area of the company called trust wallet ( a digital currency wallet ) telling this problem, the date of that email was XX/XX/2023, but i have not received any answer from this company and in need to use my money, i want to buy something in a platform that accept bitcoin called XXXX, but trustwallet shows an error at the moment of the purchase, i attach the support of the email to trustwallet and the error. My trustwallet account email is XXXX. Thanks
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX - DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$770.00}
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (CO)

We paid the mortgage loan off on XX/XX/year>, but didn't cancel the auto-pay of {$1200.00} at our bank before they got an additional payment on the account on XX/XX/year>. 

Since the home was paid off XX/XX/XXXX, we need them to refund that payment. 
on XX/XX/year> I called Shellpoint Mortgage Servicing at XXXX After waiting on hold for over an hour, I talked to an agent who said they are in the process of moving accounts to the new system. She couldn't find my account using my loan number, my SS # or the property address. She said I'd just have to wait for someone to figure out if there is an overpayment. Nothing could be done. I asked to speak to a manager. The manager told me the same thing but said if I wanted to escalate, I could email XXXX. I sent an email on XX/XX/year>. Tuesday afternoon when I had no response, I got on their website, https : //www.newrez.com/contact-us/, and made another request for someone to contact me about this overpayment. I called again, and after sitting on hold for over an hour, had to hang up and get back to work. I am opening a case to see if perhaps you are able to get their attention and instigate a response. 

I have copies ( and included them in my email request ) of the loan pay off and the bank auto pay that cleared on XX/XX/XXXX, after the balance was paid off XX/XX/XXXX. I'm happy to provide those.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hello, I am writing to formally dispute a charge on my Capital One credit card account. The amount in question is {$480.00}. 

The reasons for my dispute are as follows : 1. **Lack of Knowledge : ** I have no record or recollection of this charge. I have not authorized any transaction for this amount, nor have I received any goods or services corresponding to this charge. 
2. **Verification Request : ** I request that you provide detailed information and documentation to verify the legitimacy of this charge, including the date of the transaction, the merchant involved, and any supporting documents.

3. **Excessive Communications : ** In addition to the lack of knowledge about the charge, I would like to dispute this amount due to the excessive calling and communications beyond what is considered reasonable. I have been subjected to an overwhelming amount of contact regarding this charge, which has caused undue stress and discomfort. 

I request that Capital One cease any collection activities related to this charge until this matter is fully resolved and the charge is verified. Please acknowledge receipt of this letter and inform me of the steps you will take to address my dispute. I can be reached at the contact information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-04-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

I leased my XXXX XXXX XXXX in XX/XX/XXXX and in XX/XX/XXXX American car centers Aka American Financial went Into Bankruptcy and closed their doors. I am now left with no answers. A company called West Lake portfolio is now harassing me for payments and collections when I have never been late on my payment since XXXX. They can not give me a new contract, we have canceled my warranty that I had with my lease. and they do not have any title information. I did make payments to them in the last month because theyve been harassing me threatening to take the vehicle. If I dont pay. Every time I make a payment, they tell me I still owe more money for past due payment with American Financial I did send them an email with all of my payments that were made up but they still show I have a balance and I dont. Why am I paying a collection agency when my car was not even in Collections, I cant get any answers. I cant sell my car or trade it in because nobody has a clear title on it because the companies and bankruptcy and I live in Florida and from what I understand our titles are in a trust. I dont know what to do. They are not reporting to the credit agencies and now American Financial has been removed from my credit stating that my loan was 100 % paid off. I have copies of everything.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (PR)

After several attempts to pay the debt, the XXXX  card account was closed therefore i CANCELLED the XXXX payment. Every month they try to debit WITHOUT my authorization the balance owed. Surprisingly, yesterday my job deposited my paycheck and without authorization, they debited the amount for the balance owed. This transaction was not authorized, the recurring payment programmed for this account was cancelled months ago.
Consumer complaint received 2023-06-17
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: Financial Assistance Inc (OH)

I have reported the company for identity theft and for debt validation with the credit bureaus on XX/XX/23. I have reported them to the FTC as well. I sent them a letter notifying them of the dispute and investigation and a cease and desist on the debt collection pending investigation and validation. They have not responded to anything or about anything. Since the dispute was commenced. They are in violation of 15 USC 1692g ( b ) and 18 USC 1028.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My account overdrafted XXXX and was closed within the 56 day alloted time period. The bank told me that I did not have to immediately bring the balance current. They closed my account during without notice during the first 30 days of overdraft and noted it reflected the continuation of overdraft after a pending charge that was not authorized had completed and made the acount negative again.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX is reporting improper information, false information, social security fraud identity theft by third party creditor by Ability recovery service. 
XXXX  is reporting False or misleading representation. 15 U.S CODE section 1592e _ ( Ability recovery service is reporting False and misleading information and representation in violation of 15 U.S CODE section 1592e. and is committing consumer fraud and identity theft. ARS is committing Social Security fraud as a pattern and practice. There are trying to collect a debt that is ready paid i full. This is bribery and extortion by ARS who is using TransUnion as a window to commit this fraudulent act. .15 U.S, C section 1692d UCC section 4-406 violation by 15 U.S.C 1681c-1 , violation of 15 U.S.C 1682 violations FTC violations, CFPB violations. 15 U.S.C section 1681s-2 violations by all party and their representing agencies and insurance company 's.
Consumer complaint received 2023-12-15
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: Experian Information Solutions Inc. (NY)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXXXXXX XXXX XXXX XXXX XXXX