davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I tried to pay my Capital One XXXX XXXX credit card on XX/XX/24 and Capital One refused my routing number and account number from a savings account. 

At least three representatives over the phone could not tell me why my account could not be used for payment, including a manager named XXXX ( Employee : XXXX ). I finally reached another supervisor XXXX ( Employee : XXXX ) -- who explained that because a payment last month had been returned, I would need a letter proving my XXXX  money market account had been brought out of dormant status. ( I tried to make the XXXX payment unaware of that status ; it has since been reactivated ). 

XXXX answered my question within moments and now I know the next steps to take. XXXX was unhelpful to the point of being patronizing. He claimed it was impossible to determine why the system was rejecting my account. He was also cagey about the complaint process for Capital One and said that I would need to send a letter to Capital One in XXXX XXXX XXXX. He said I would probably never hear back from Capital One about my complaint. I was just getting ready to file a complaint with the XXXX  when they let me know about XXXX. XXXX either lied about the complaint process or didn't know about it ( he did take my complaint over the phone ). 

Through this discouraging process, I learned Capital One reviews complaints internally and customers do not get replies. That is poor business practice to say the least.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Incident Summary Date of Incident : XX/XX/year>, around midnight Details : 1. Phone Compromise : On the night of XX/XX/year>, my phone service was disrupted. Initially, I assumed it was a network issue. The next morning, I went to my phone provider 's store, received a new XXXX card, and restored my service. However, during the outage, the hacker transferred my phone number to their device, resetting passwords for my accounts, including XXXX, bank accounts, XXXX, credit cards, and XXXX. They even created new accounts, such as XXXX XXXX and XXXX XXXX XXXX, in my name. 

2. Immediate Actions Taken : o Chase Bank : On XX/XX/year>, I immediately visited the local branch and requested them to freeze my accounts. Despite my immediate request, Chase failed to secure my personal account, resulting in unauthorized transfers of approximately {$15000.00}. Repeated attempts to resolve this with Chase 's fraud department and local branch manager, XXXX XXXX, have been futile. The hacker managed to transfer money from my account by receiving verification codes via SMS, which they accessed through my compromised phone. 

XXXX : The hacker executed numerous transactions, sold my investments, and emptied my account. XXXX froze my account after a significant delay but has yet to refund the ~ {$11000.00} lost. They require a statement from my phone provider, XXXX, which refuses to provide any information without a legal notice.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX and JXXXX XXXX  XXXX
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX never provided to me by law 10 days after closing whats called a XXXX XXXX XXXX! Ohio revised code 5302.15, an 5302.16 they have to by law record the master form mortgage an short form ( 3036 )! Carrington mortgage is the current servicer. XXXX  XXXX XXXX is the 1st lien! The actual lien! Its not recorded in public record. Which means i'm paying on a fictious obligation! Title 18 USC SS 514!
Consumer complaint received 2024-07-30
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-15
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. (TX)

15 U.S. Code 6802 ( a ) ( b ) - Obligations with respect to disclosures of personal information. I have sent a letter to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and they are not reporting it to the credit agencies XXXX, TransUnion, and XXXX and they are still reporting information that they don't have my consent to. I have also sent letters to XXXX, TransUnion, and XXXX letting them know that they do not have my consent to report my credit but they still commit Identity theft and fraud.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc. ()

Have been using blockchain.com since XXXX and Im a verify user until on the XXXX of XX/XX/XXXX I got restricted from accessing my funds on my trading wallet and exchange account, then I sent a message via the company support system which they replied in two days time asking me to explain the discrepancy between names which I did and later accepted in assisting with my support ticket. After two days the company responded via email to provide an ID, selfie, written letter, and a XXXX wallet where they will convert my funds to and send it to the external wallet provided which I later did and sent it back to them same day. Now ever since I sent them those details on the XXXX of XX/XX/XXXX have gotten no response from them. Its been more than three weeks without a resolution regarding my case and nothing to the wallet provided. 
Blockchain.com is the name of the company and they still withhold my assets.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (AL)

We received a fraudulent charge of {$1700.00} ( case XXXX ) on XX/XX/year>, from XXXX XXXX. We did use the company for another purchase but this additional purchase was not authorized and we received no goods or services from that company related to that charge. We filed a claim and they denied it stating we did benefit from the charge. We filed a police report and sent it to them on XX/XX/XXXX. We also requested supporting documents on their denial. We have received no further communication from them after that.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (PA)

I am writing a complaint for Ford Motor credit for failure to do the following : 1. Identify the level of accuracy and fairness with regards to any information provided or furnished their company, so that I may verify or contest the accuracy and completeness of the handling of my consumer report ; 2. Provide me with the transaction and complete payment history, for legal purposes, and so I can see and have all investigation details information and do my own due diligence to verify this investigation.

3. Notify me before making such adverse decisions that lead to actions taken against my consumer report.

4. Failed to provide a copy of any alleged contract or other instrument bearing my real ( not copy ) hand written admittance.

I have contacted Ford Motor Credit several times and have had no results. I have sent in Ftc report, Police Report, Affidavit, Letters requesting to reinvestigate. I spoke with their Representative XXXX, she was unable to provide me with the information regarding the fraudulent account on my report. First she stated it was another department that handles identity theft, however, another rep told me she was the one to contact. I don't think a through investigation was processed. I never had a account with them It's been over 90 days since I first contacted Ford Motor Credit. I demand the account be removed immediately due to FRCA Reporting Act
Consumer complaint received 2024-07-29
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. (SC)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605 if the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have also attached copies of my id.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Consistently, I've ensured that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-05-07
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRSTBANK PUERTO RICO (PR)

In XX/XX/2020 I paid off, in full a car loan # XXXX. At the day of pay the bank tells me giving up my title in 30 days. I call a few times to resolve this matter, but I can't receive any documents, letter or a simply call from First Bank Puerto Rico. I don't pay any fees for unreceived documents. I wish a penalty for irresponsible handling of my documents, I'm paying for my loan and I need my title as soon as possible.
Consumer complaint received 2024-07-16
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: NAVY FEDERAL CREDIT UNION (TX)

Credit card payment was 15 days past due date. navy federal credit union abuse their power as my bank and withdrew the payment from my checking account when I had told them I was consolidating credit. It is not legal to take a military members money without prior notification, or their family members. XXXX have hardships they experience at times like moving across the country to a new location, or being XXXX overseas. It minimizes their ability to pay their debts in a timely manner sometimes. It is not financially appropriate for a bank to decide its within their rights to withdraw a members money, and add a disclosure to a credit card statement, yet not notify the member when money is withdrawn. Just because people have their money in a bank does not give the bank the right to take financial advantage of their clients. That is considered financial abuse, or elder abuse. 
I have also asked that my credit card and bank accounts be audited before and my request was extracted from the banks communication software programming. They never audited my accounts. 
I have XXXX in XX/XX/XXXXwallet with the bank and have asked for help in retrieving my funds. They tell me I have to go to bitcoin for help, and the transaction was processed into my XX/XX/XXXXt.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXommittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To whom it may concern, my name is XXXX XXXX and my address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX. My phone number is XXXX XXXX XXXX. I contacted XXXX XXXX Equifax and experience Credit reporting agency Concerning These accounts XXXXXXXX XXXX XXXX And XXXXXXXX XXXX And XXXX XXXX XXXX XXXX And XXXX XXXX And XXXXXXXX XXXX XXXX. These accounts were open fraudulently And I asked them kindly to remove these accounts from my credit report because they are not mine and I want them off immediately. the credit reporting agency plays a lot of games In regards to my request When these accounts were open Fraudulently without my authorization. these accounts Never had the right address neither the right phone number and the correct spelling of my name. the credit bureau has since then updated the correct address to my credit report Along with my name And the correct phone number. These accounts are still sitting on my credit report even though they have no address attached to them And the credit bureau has since then refused to remove them From my credit report
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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. Or list of inquiries 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 2023-07-25
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX 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
Consumer complaint received 2024-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (TX)

Hello I writing in regards to an issue I am having with my mortgage servicer NewRez. My husband passed away XX/XX/XXXX. I submitted documents in XX/XX/XXXX to have my mortgage deed transferred in my name. According to his Last Will and Testament and Revocable Transfer on Death Deed. The surviving owner will be sole owner of the property. Newrez placed on the mortgage in the Estate of. This has caused me much frustration and issues. I received a letter from Newrez on XXXX XXXX, stating due to the complex issue they needed more time to resolve. I never heard back from them, so I called Customer Service on XX/XX/XXXX and was told the only option I had was to refinance my loan and proceeded to transfer me to a Loan officer. I advised her that is not what I wanted to do. And I disconnected the call. I'm very frustrated at this point and would like some type of resolution to this matter. It seems as though the C/S rep didn't know the correct answers or try to find out if there were other options. 
Thanks
Consumer complaint received 2024-07-29
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. (TX)

I received a response from the credit reporting agencies stating that the investigation of these accounts was completed, verified, and updated. However, my credit report still contains multiple inaccuracies. 

Under XXXX XXXX. XXXX ( XXXX ) concerning the XXXX of XXXX, I am entitled to understand the verification process conducted by your agency. I request a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite the investigations and updates, my credit report continues to reflect discrepancies. I request the removal of these inaccuracies from my credit report.
Consumer complaint received 2024-07-29
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. (WA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-08-02
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. (PA)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!