davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Subject : Formal Complaint Regarding Inaccurate Reporting and Account Access Issues On XX/XX/XXXX, 2023, an estate appointment was scheduled with XXXX XXXX Bank. Having significant concerns regarding the reporting and handling of my account information. As a personal representative, my reputation is being jeopardized due to the erroneous reporting by ChexSystems, hindering my ability to fulfill my responsibilities effectively. This situation has led to unwarranted challenges and scrutiny, impacting the trust and confidence placed in me as a responsible representative. 
The error in the ChexSystems database, which is adversely affecting my ability to open an estate account. 
The issue stems from a previously reported debt that has been fully paid. Despite the settlement of the debt, the information in ChexSystems inaccurately reflects an outstanding balance. This misinformation has prevented me from successfully opening the estate account, causing undue inconvenience and delays in the estate process. Chex Systems needs to expedite a resolution to ensure that the inaccurate information is corrected immediately ensuring that I am able to return to the same branch and open the decedent 's account. ( The letter was requested from XXXX XXXX ) The ChexSystems rep alleged that ChexSystems reports that the amount remains unpaid in the database.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

PROGRESSIVE MGMT SYSTE is sharing my nonpublic personal information with no affiliated third parties XXXX, XXXX, & XXXX. PROGRESSIVE MGMT SYSTE does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting to XXXX AND XXXX that there is high credit limit of {$2200.00} and a balance of {$2900.00}, I did not make a any purchase or payment agreement to this company. The information they are providing to consumer reporting agencies is incorrect and damaging. They are violating my right to privacy as a consumer, by reporting inaccurate, false, damaging, information to the consumer reporting agencies. They are violation of multiple federal laws.
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I got a Capital One XXXX XXXX credit card that advertised 0 % APR for all purchases for 18 months. 

I kept a balance on the card for all my purchases. And every month, as advertised, no interest was charged on the balance I had. 

On XX/XX/XXXX, I called Capital Customer Service to check when the 0 % APR promotion would end. I was told the last date of the promotional rate was XX/XX/XXXX. 

On XX/XX/XXXX, I paid off the entire balance so I would not incur any additional interest or fees. Yet, I was charged an interest of {$120.00} on XX/XX/XXXX. I noticed the charge on today ( XX/XX/XXXX ) and called customer service to get it resolved. 

Customer Service refused to help in any way - only to say I was misinformed on XX/XX/XXXX when I called in. 

As a matter of principle, I would like Capital One to stand behind what their customer service agents advised when I called in and reimburse me the {$120.00} that was wrongfully charged.
Consumer complaint received 2023-11-30
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)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2024-05-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (IL)

I am writing to formally complain Lowe 's Home Improvement regarding multiple instances of unacceptable service, unprofessional behavior by delivery personnel, and the handling of damaged goods sold to me. This ongoing issue has caused significant inconvenience and distress, and repeated attempts to resolve the matter directly with the store have been ignored.

I purchased a refrigerator using my Lowe 's credit card from the Lowe 's store in XXXX, Illinois. The first delivered refrigerator arrived damaged. After contacting the store for a resolution, I was promised a replacement. During this interaction, the delivery personnel exhibited aggressive and rude behavior within my home, which I reported to the store management. The store manager acknowledged these issues and offered compensation for the poor service experienced. 
However, the replacement refrigerator delivered, also arrived with damages and was improperly installed. Specific issues included failure to install the shelves, and refusal to remove protective shipping materials such as tape. The delivery team insisted that it was my responsibility to complete these tasks, contrary to standard appliance installation procedures. I documented these issues through photographs and communicated them via email to the store manager, requesting a resolution. Despite these efforts, there has been no response to my emailedconcerns, from either XXXX XXXX or XXXX XXXX for over 3months despite having charged my credit card full price.

This pattern of behavior from Lowe 's staff, both in-store and during deliveries, reflects a disregard for customer satisfaction and standard business practices. I am seeking the FTCs intervention to facilitate a response from Lowe 's management regarding a resolution to these ongoing issues. It is unreasonable for a consumer to accept damaged goods and endure poor service without recourse.

I appreciate your attention to this matter and look forward to your support in resolving these repeated and unresolved issues with Lowe 's Home Improvement.

Thank you,
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Made a $ XXXX payment. Received a text that payments has posted while the payment is subsequently placed on hold. The following day, a 2nd hold is placed thus holding my payment an additional 5 days. BofA will not give me a reason or send me documentation on why this 2nd arbitrary and capricious hold was placed. They refuse to remove the secondary hold. This happens with both of my BofA credit cards.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Under FCRA 605B, we're obliged to expunge any incorrect entries from my credit profile. Would you mind verifying the documents? Several of the listed entries are inaccurate regarding their reporting. Compensation of {$1000.00} is due for each erroneous reporting on my credit file.
Consumer complaint received 2024-05-03
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: EQUIFAX, INC. (AZ)

Dear Credit Bureaus : Here in writing to bring to your attention the rights of consumers regarding identity theft, both internationally and domestically. As per the Fair Credit Reporting Act ( FCRA ) 605B, consumers have the right to request the blocking of any information in their file that resulted from alleged identity theft. This request must be honored ASAP. Furthermore, it is imperative that upon receiving such a request, you promptly notify the furnisher of the information about the potential identity theft, the filing of an identity theft report, the requested block, and the effective dates of the block. While you have the authority to decline or rescind a block under certain circumstances, consumers must be promptly notified if their request is denied or revoked. It's essential to uphold these consumer rights.

All dates, amounts and actions taken can be found in the FTC documents unloaded to this complaint.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Address - XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-05-03
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: EQUIFAX, INC. (FL)

Multiple phones calls to the credit bureaus asking for help to delete false and unauthorized inquiries. Insisting that I did not give my written or verbal consent for such actions. The inquiries are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( APPEARS TWICE ON CREDIT REPORT ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note ; My son and I both share the same first, middle, and last name. He is a XXXX. and I a XXXX. The above inquiries should not be on my credit report. This is a violation of *15 U.S. CODE 1602
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C. (CA)

I received a debt collection notice from Gurstel Law Firm, on XX/XX/2023.

I sent a Validation dispute letter, certified mail on XX/XX/2023. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) I received an envelope from Gurstel Law Firm on XX/XX/2023. The contents had nothing I requested
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: AMERICAN EXPRESS COMPANY (IL)

American Express reported several time. Still thousand of fraud transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several others. 
Day by day increase frauds activity I am so much tired they not responding well to resolve my issue and deny my fraudulent activity I need to consumer fraud department to help This fraudulent transaction back 3 to 4 months history of fraud transaction
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of XXXX XXXX people.The breach occurred after Equifax security officials failed to install a software upgrade that had been recommended to seal off digital intruders from obtaining access to the names, birthdates and Social Security numbers .Third-party data brokers use several sources for your data, such as : Social media activity. 
Cookies. 
Tracking your IP address. 
Purchasing history and warranty information.

Credit card information. 
Public records*XX/XX/XXXX. 
XXXX. 
XXXX. 
XXXX. 
XXXX. 
XXXX are among the problem. 
People search sites have my information and that's a problem for me. Any thing That has my demographic should be remove. XXXX XXXX XXXX XX/XX/XXXX age XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I was a XXXX student in XXXX and someone used my social security number and my ID and built 7 different accounts under my name without my permission, the bills start showing up from XXXX until XXXX with total aroundXXXX , which i never purchased
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

CAPITAL ONE-ALL : This is a credit card that I once had, closed the account and paid the balance, yet the creditor continues to report misinformation about the account to the credit bureau 's and significantly impacts my score each time. This creditor broke my final payment so that they could report negatively on my credit report, and reporting an incorrect balance and close date. 
ADDITIONAL COMMENTS They literally just proved the mal-practice with the letter attached. I paid the entire balance off completely on a closed account. After a final payment on a closed account, a XXXX XXXX  after to alter my credit profile and extend reporting of incorrect information is a direct violation of FCRA laws and regulations.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (WI)

Can explain in person. I work XXXX hours a week. I can not write the XXXX  of hours of information on these companies. Simply put, the government is also responsible for pushing loans with compound interest without us having any idea what that is. After I filed for bankruptcy, they were supposed to contact me. They have never contacted me. They refuse to give me a program because I am a XXXX  They tricked me and now avoid me to avoid being held accountable for their lies. I have much more to explain. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX or face the harsh consequences.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I got into a car accident in XXXX of 2023 and had filed an insurance claim. I had notified XXXX of the accident and the claim, however they reported that I was late for 3 months then they charged off the account. This is false. I sent them a notice to fix this issue but they did not fix the error they made on my report. I am filing this complaint as I want this issue to be resolved immediately as dictated by section 623 of the FCRA. Please see attached.
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I spoke to someone named XXXX from Bank of America regarding signing a payment deferral letter. 

In the letter it shows Bank of America is going to defer property taxes paid. The amount of property taxes paid is included in the total amount to be deferred. 

I reported to Bank of America on XX/XX/2024 that I had paid the taxes and any amount Bank of America paid was an overpayment. 

Per the tax office on XX/XX/2024 they refunded the overpayment of property taxes to Bank of America. 

XXXX XXXX states that she can see that Bank of America received the refund check for the taxes. 

According to XXXX XXXX I can go ahead and sign the letter with the total including taxes refunded to Bank of America. This would mean Bank if America would be paid twice for the taxes. Bank of America revived the refund for the tax overpayment and now wants the customer to pay the taxes again as its included in the total. 

She further states that if I sign the letter, I should trust Bank of America will fix it on the back end. This is dishonest and not fair to the customer. Asking a customer to sign an incorrect document seems illegal. 

I did everything right. On XX/XX/2024 XXXX BOfA notified a refund was being mailed. ( see attached ). The XX/XX/2024 notice was weeks before the XX/XX/2024 letter went out. 

Bank of America should have verified Everything prior to sending out that XX/XX/2024 letter. 

The other option to correct Bank of America mistake would be to have Bank of America will need to verify the monies were refunded with escrow and this would void the current payment deferral letter. 

And a new evaluation would need to take place prior to a new deferral payment letter being sent out. 

The process can take up to 30 days and in this reevaluation. This would be XX/XX/2024. 

She further states that the foreclosure scheduled for XX/XX/2024 will proceed even if Bank of America hasnt completed its reevaluation before XX/XX/2024. 

XXXX catamount way XXXX XXXX XXXX Reference number : XXXX
Consumer complaint received 2024-05-13
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC (MI)

I enrolled in national debt settlement program in XX/XX/XXXX with a total of XXXX debts. I was advised within XXXX XXXX XXXX months there will be a settlement. One of my debtors contacted them in XX/XX/XXXX and made a settlement. I was not aware once a settlement is made there is 25 % upfront fee of the balance. National Debt has paid a total of {$100.00} to XXXX creditor and have taken a few of {$1500.00}. I was stunned. I have spoken to numerous people including management however they are not willing to do anything. No other action at all has been taken on the other XXXX creditors because now I am told I have to build up funds because it was all taken by XXXX XXXX. National Debt has not fulfilled their obligation not are they willing to refund any of my money as requested. This has really created a hardship for me. Why can't fees be collected throughout the XXXX month term. I have not been able to reach anyone at the highest level although they tell me they are supervisors. This has been a ongoing battle and I truly feel that I have been taken advantage of. No One is willing to help. So disappointed. This should be illegal. I have been lied to on so many levels and I feel hopeless. National Debt has created another hardship for me. They are making no attempts to reach any other settlements not will they refund any of my funds.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 US 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (MS)

XXXX This account is shown as a collection/charge off on my report. A charge off is considered a certificate of indebtedness, which means it is income and income can not be reported on a consumers credit report. Therefore i demand that it be deleted from my credit report immediately.
Consumer complaint received 2024-05-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

I am writing to express my concern regarding the lack of financial hardship options available for my auto loan. I have been experiencing financial difficulties since the tragic loss of my spouse in a car accident over a year ago. As a result, I have fallen XXXX payments behind and have been struggling to catch up for over a year. 

On XX/XX/XXXX, I contacted the Ally Auto customer service line seeking a resolution. I was advised to make XXXX payment and call back once it cleared, with the assurance that the remaining payment would be added to the end of my loan. However, upon making the payment, I was informed that there are no options available to assist me in bringing the loan current. 

I am confident that I can maintain timely payments in the future with the provision of financial assistance. I believe that the absence of any options to help me bring the loan current, coupled with the accruing monthly late fees, is unreasonable and financially irresponsible, especially considering my circumstances.
Consumer complaint received 2021-03-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (CA)

This is not my account UPGRADE INC account # XXXX with a balance of {$5000.00} I'm a victim of identity theft I never took out any loans with this company I never even heard of this company again this is not my account