davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Purchased concert tickets from XXXX XXXX XXXX XXXX for an event in XXXX. XXXX XXXX XXXX ( Florida ) is refusing to release the tickets and requiring will call pickup. Which we live in PA, and this wasnt disclosed upfront. Capital One rejected dispute, claiming I authorized the purchase. But the dispute was specific to the fact that XXXX is refusing to refund or release the tickets, digitally. I have done everything from trying to contact the Artist, resolve with XXXX, and with Capital One. I will be out {$1100.00} Capital One has denied dispute under the umbrella that I have the ability to obtain services in Florida. But it was never disclosed that tickets must be picked up at Will Call. 

For this, the FTC has provided guidance and Capital One is a co-conspire under PART 435MAIL, INTERNET, OR TELEPHONE ORDER MERCHANDISE. And Capital One is not honoring the Consumer Protection Act as outlined here https : //consumer.ftc.gov/articles/what-do-if-youre-billed-things-you-never-got-or-you-get-unordered-products.
Consumer complaint received 2024-05-17
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: SYNCHRONY FINANCIAL (MI)

I had several small fraudulent charges placed on my card, total of {$34.00} in XXXX of XXXX. When I discovered them on my XXXX statement in XXXX, I called XXXX 's customer service line. The reps I spoke with assured me that they would be removed. They apparently were & to be safe, I was issued a new card. The charges came back as reoccurring since that is how the perps set it up. The charges came back in XXXX, I called again, & thought I had this reoccurring thing removed. Another month later in XXXX now,, they returned & this time Synchrony Bank, keeps saying it is a balance transfer from the old car to the new card when they were fraudulent on the old. 

I have made several more calls along with live chat to get it resolved. I told than that I have a XXXX  XXXX credit rating, always pay my credit card balances at the end of each month ( I never have to pay finance charges ), and keep meticulous records. 

I realize in the great scheme of things {$34.00} isn't that much, but there is a principle here- I am not liable for the fraudulent charges & the reps I spoke with agreed with that, but the keep reoccurring on this credit card - I have since canceled the card, but they continue to say that I owe them {$34.00}. So what do I do?
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (LA)

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 Committee 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 2024-05-17
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MD)

Chime closed my account had direct deposit of XXXX in the beginning of XXXX they closed account informed me they were keeping deposit kept in forming me to article 9 so I read this only think is account was inactive for 6 months was out of work but they accepted deposit
Consumer complaint received 2015-07-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I had an FHA mortgage with XXXX for {$55000.00}, under FHA case number XXXX. Property Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I believe my original lender transferred the loan. XXXX XXXX XXXX XXXX XXXX XXXX, as trustee for the Certificate holders of the XXXX, XXXX, Reperforming Loan Remic Trust Certificatesm, Series XXXX sued me to foreclose on my loan. The bank took a judgment against me for foreclosure. However, I never was served with a summons and complaint in this case. A special process server said that he served my son, however ; my son does not live with me at the home and has never received a complaint and summons. My attorney tried to vacate the foreclosure judgment, however, the court would not allow him to vacate the judgment, stating that it did not matter if he lived with me, because he was related to me, that means that the sheriff could serve him. The court also took the word of the process server, over mine. Needless to say, I was not able to present a defense on my behalf and they purchased my home for about {$15000.00} at the Sheriff 's Sale. As an FHA beneficiary, the bank was required to send out notice to me prior to foreclosure. They were required to offer me options ( like a forbearance, a modification, and other resources in order to help me save my home. ) The bank failed to work with me. In fact I even tried to negotiate with them before and after the sale of my home, but they have ignored me. They are not following the FHA rules 24 C.F.R. 203.604, 203.501, 203.605, 203.606. It appears that all they want to do is go to HUD and collect on the mortgage insurance without talking to me. This is not how it is supposed to work. My husband and I are pastors at the XXXX XXXX XXXX XXXX in XXXX, which is located a few blocks from the property. Please help us. We are still in our home at this point and do not want to be evicted.
Consumer complaint received 2019-04-27
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. (UT)

In XXXX. I was checking my XXXX XXXX, as I had been paying off some collections and noticed misinformation on Equifax 's info. 

After trying to file a dispute online in which I was asked questions about loans and/or information that was NOT mine. I called them and proceeded to have the same trouble. They mixed my file with someones of the same name in another state. 

I had finally got it removed after many calls, for it to now appear again in XXXX. 

They are still mixing me up with another person of the same name in another state. I want this straightened out. and the mixed files separated.
Consumer complaint received 2023-12-08
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. (IN)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
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
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (MA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Subject : Follow-Up on Complaint Number XXXX Dear Consumer Financial Protection Bureau , I am writing to follow up on my previous complaint ( Complaint Number : XXXX ) against Equifax regarding the removal of unknown inquiries that are negatively affecting my credit profile. 

Equifax responded to my initial complaint by requesting a copy of my Social Security Number ( SSN ) card and a utility bill to verify my identity. These documents are attached to this new complaint for your reference. 

I am concerned that the resolution of this issue is taking an excessive amount of time. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must investigate consumer disputes within 30 days. This time frame has now been exceeded, and the unknown inquiries remain on my credit report, continuing to harm my credit profile. 

I kindly request that you advise Equifax to expedite the resolution of this complaint in compliance with FCRA regulations. It is essential that these unknown inquiries be removed promptly to prevent further damage to my creditworthiness. 

Thank you for your attention to this matter and for your assistance in ensuring that Equifax adheres to the required legal standards. 

Sincerely, XXXX XXXX -- - Attachments : XXXX. XXXX of Social Security Number ( SSN ) card XXXX. XXXX of Utility bill -- - Note : Please ensure that all personal information is handled securely and in accordance with privacy regulations. 


To : Equifax Dear Equifax, I am writing in reference to my previous complaint ( Complaint Number : XXXX ) regarding the removal of unknown inquiries from my credit report. As requested, I have attached a copy of my Social Security Number ( SSN ) card and a utility bill for identity verification purposes. 

The Fair Credit Reporting Act ( FCRA ) requires that consumer disputes be investigated within 30 days. This time frame has now been exceeded. I kindly request that you expedite the resolution of this complaint and remove the unknown inquiries from my credit report immediately to prevent further damage to my credit profile. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CT)

I put in a dispute XX/XX/2023 and then told to reset my XXXX password which I did so I then woke up the next day ( XX/XX/2023 ) to my account being locked after several attempts and multiple representatives and supervisors I was told it was under review and would get solved by end of day by some or within 24 hours by others or they wouldnt even give me a time frame. I then got an email on Friday night ( XX/XX/2023 ) at XXXX that said Thank you for contacting Apple Card with Goldman Sachs about your account restrictions. Our records indicate your issue was resolved on XX/XX/2023. but unpin checking my Apple wallet my account was still restricted. I contacted them again to a supervisor telling me they were escalating a case to find out why after the review the reason behind why my account was still not unlocked. So then I called back the next day to be told it would take 10 days for a review and that I would just have to wait. I believe they just keep pushing me aside and that Im constantly getting false information from different reps and supervisors. Today when I was reporting all this I was told I would get a call from a Apple Card manager that basically told me theres nothing they can do and I would just have to wait and then they hung up on me. I would like some clarification on what is happening and to get this resolved as soon as possible.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE ALL FRAUD ALERTS TransUnion : # XXXX  # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX
Consumer complaint received 2024-05-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (SD)

I am making payments and my last payment will be later in the year. However the total payments will only be around {$2200.00}. It states that my pay off is currently around {$9000.00}. 

I emailed what if anything would be owed at the end. When i met with them to get the loan they advised just make the payments as a greed and it will be all taken care of. There is just no way. 

I did have a couple of late payments that were returned but I did pay and have never missed a payment. The contract said they would charge {$30.00} however they charge {$60.00}. 

I also believe i may be paying for things that I did not need. It all seems very nefarious at the moment.
Consumer complaint received 2023-12-08
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. (CA)

I checked my TransUnion consumer report and noticed that an item is being reported without my expressed consent written or otherwise. There is a bankruptcy reporting that is being furnished after I have disputed its inaccuracy and madeTransUnion aware of its error in reporting this. It violates my right to privacy and goes against The Consumer Privacy At of1974. It states that " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). TransUnion has been made aware through clear and conspicuous communication that the furnishing of this information is against my will and without my consent. Every time TransUnion disseminates my consumer report, it is violating my privacy and laws set up by the FTC to mitigate identity theft.

Companies are supposed to adopt procedures that would aid in defense of such egregious misuse of my consumer report and protect the privacy of the consumers. TransUnion failed to do that and according to 16 CFR 681.1 is liable for not following legal procedure and remaining compliant with Federal law.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (OK)

I had my mortgage through nation star when I recieved damage to my roof from a hail storm. 
I filed a claim with my insurance company and they sent a ck out to be endorsed by them and everything went as planned. Roof was repaired but in that time I sold the property. My insurance company sent me the depreciation ck which also required the endorsement but since the property was sold nationstar refused to sign or send anything to my insurance company stating that I sold the property. I was out of pocket XXXX of dollars waiting to recover my depreciation. This was at the end of XXXX here we are in XXXX. I work XXXX full time jobs but still spent countless hours on the phone over a period of many days trying to come to a solution. I 've asked them to email or fax a release form to my insurance company provided them the information needed such as numbers, email address to no avail. Very disapionted in the customer service they have provided and will never do business with them again.
Consumer complaint received 2023-12-08
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. (NC)

there was a credit inquire on my Transunion that took place on XX/XX/2022 that I didn't not authorize or give permission to used my information so I call the bank and informed them on the fraud account that was attempt to be open was not authorize by me so they close the account immediately they told me to call Transunion to get the inquire remove but they try to tell me I need a police report and they would look into but never did.
Consumer complaint received 2023-08-28
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (WA)

I have asked them to please cease and desist contact as they are calling me up to 10 times a day regarding my past due balance. I have told them on several occasions that my husband has lost his job, and it is down to my income only. I have to choose to feed my family or pay the creditors and my family comes first. I can not have them calling me up to 10 times a day 7 days a week. It interrupts my work and any time I do have to get other things done. I am doing the best I can in this situation and calling me nonstop is not going to make me pay any faster. I have tried explaining it and they say well we can only stop calling for a few days until you give us money. I can't afford to give any money right now as I am barely hanging on and we are close to bankruptcy. I just need the calls to not be so excessive. 1 time a day is way more than enough. I know I owe money. Calling me constantly isn't going to make money appear.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

equifax will not give me a score or credit report of my profile nor have they deleted any inaccurate item they that i disputed it. 
requesting for them to give me a score and delete the inaccurate items they are reporting on my file
Consumer complaint received 2024-05-17
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. (TX)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.