davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I took advantage of a XXXX XXXX % interest balance transfer promo in XX/XX/year>. I paid {$1000.00} every month from XX/XX/year> through XX/XX/year> through automatic payments on the due date of each month 's statement ( the XXXX ). 

The final payment of {$950.00} was automatically paid on XX/XX/XXXX, the due date according to the XXXX statement. 

In confirming my final statement had a XXXX balance, I saw a {$16.00} charge for interest. I contacted Capital One to find out why and they told me the promo period expired on XX/XX/XXXX, not the XXXX. They refused to waive the interest charges. 

I have reviewed each month 's statement and there is NO information about the promotional period. All of my other credit cards with promo purchases show the balances and promo period expirations on every statement. Capital One does not. So I had no way of knowing that I should pay off the promo balance BEFORE the due date shown on my statements. 

I am attaching 3 documents : 1 ) The first statement showing the original balance ( note that there is no information about the promotional period ) 2 ) The last statement showing my last payment of {$950.00} due on XX/XX/XXXX. 
3 ) The following statement showing {$16.00} in " Interest Charges on Purchases ''. I made NO purchases. 

It even took the customer service representative XXXX minutes to figure out what was going on!
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Around XX/XX/2023 I mailed disputes letters to TransUnion and the creditor, requesting proof of the alleged credit card debt. As of XX/XX/2023 I have mailed XXXX dispute letters to the credit bureau and the creditor and still haven't received proof of the alleged debt with my signature
Consumer complaint received 2023-12-04
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. (PA)

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 The following personal information is incorrect. Please remove it from my credit report
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Enium Capital Group LLC (CA)

I took out this loan with Enium for a solar installation on my house with a company called XXXX XXXX back on XX/XX/year>. 
XXXX XXXX never completed the installation and keeps giving me the runaround when I call, theyre understaffed, the equipment has not come in, someone will get back to me. No one has called me or anything. I finally spoke to a representative that told me to contact the finance company Enium and cancel the loan agreement because XXXX XXXX is not going to install the solar panels. 
Im out of {$32000.00} loan, and am now a victim of fraud. 


Please someone help me.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I opened 2 credit cards with Capital One less than two weeks apart around XXXX XXXX One is a rewards ' card. I purchased a new car and used the rewards ' card for {$1800.00} of the {$2500.00} down payment in XXXX XXXX. That was the only purchase with that card. The very next day Capital One declared fraud on the rewards ' card and froze use and access to it, but over the last 7 months has refused to explain how or why it suspects fraud, especially since both cards were opened using the EXACT same name, address and income info. I have been laughed at by XXXX. reps and required to resubmit the exact same docs both accounts were opened with, until after about XXXX times I stopped resending the docs. I am a XXXX female and believe XXXX. is blocking access to my credit and the XXXX rewards ' points I'm entitled to. For about 8 months I have made all payments on both cards in addition to additional payments but XXXX. has refused to explain why it suspects fraud and release my credit card and rewards ' points because I am a XXXX woman. I XXXX XXXX XXXX XXXX and XXXX. also demands that I provide a rental agreement or lease in addition to utilities ' statements. I lived in this XXXX  when I applied for and received the credit. The only thing that has changed is my last name. In XXXX I filed for a name change through the XXXX XXXX XXXX XXXX and received an Entry officially changing my name.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

I had {$18.00} in my checking account when I received a refund of {$15.00} From XXXX. That brought my balance to {$34.00}. I purchased XXXXwo separate items, One for {$21.00}, and another for {$5.00}. Those two purchases would have brought my balance to {$7.00}. Next morning I check my account and saw that my balance was a negative {$8.00}. From my bank statement it looks like i got charged the {$15.00} again. I called them and ask them to fix the problem, but they did not help at all.
Consumer complaint received 2024-03-19
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. (MS)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my 10th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> ALDOUS AND ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX, UT XXXX Subject : Request for Reinvestigation of Account Reporting Inaccuracies To Whom It May Concern, Dear ALDOUS AND ASSOCIATES, I am writing to formally request a reinvestigation of an account listed on my credit report, which I believe contains inaccuracies in its reporting. Account Details : I am writing to formally request a reinvestigation of an account listed on my credit report, which I believe contains inaccuracies in its reporting. Account Details : ALDOUS Account Number : XXXX Reason : Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Instruction : This account is not mine, Please remove from my account immediately. As mandated by credit reporting laws, it is imperative that all information reported to the credit bureaus is accurate and fully correct. The obligation to maintain the integrity of credit information is a cornerstone of consumer credit rights. It has come to my attention that there is a discrepancy in how this account is reported across the three major credit bureaus. Specifically, a " PAID COLLECTION '' is reported on ACROSS ALL BUREAUS however, there is no account number associated with the record, and the balance has been adjusted twice. This inconsistency raises questions about the accuracy of the reported information. Furthermore, you are reporting this item as a " PAID COLLECTION '' which is erroneous and untrue. Please validate and provide proof of any payment via receipt of payments that you claim have been made to you. Of which I know factually that you can not because I have not made a single payment towards this debt, AS IT IS NOT MINE! Given these concerns, I respectfully request that you remove the inaccurately reported COLLECTION from my credit report IMMEDIATELY. Ensuring accurate reporting is crucial for upholding the fairness and integrity of credit information, which significantly impacts consumer 's financial opportunities. I appreciate your prompt attention to this matter and look forward to your cooperation in resolving these reporting discrepancies. Please inform me of the outcome of your investigation at your earliest convenience. Sincerely, XXXX XXXX
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I ordered a cashiers check on XX/XX/2024 and mailed it on the same day via certified mail. The check was supposed to be delivered on XX/XX/XXXX. I received a notice from my landlord on XX/XX/XXXX that my rental payment was not received. After, checking the tracking information my check was never delivered and has not had any tracking updates since XX/XX/XXXX. I submitted a declaration of loss with my financial institution and Im being informed that I have to wait 90 days before they would consider canceling/reissuing the check. Ive submitted several service request with the postal office and they closed the cases stating they are unable to provide a resolution.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

Someone closed my Citizens bank account XXXX fraudulently, using my information without my consent and transferred my money in the amount of XXXX to XXXX XXXX XXXX to an account. 
I called Citizens and they said they verified the information and I did not verify information and I do not have an XXXX Account. 
I called XXXX and spoke to a man named XXXX who could not give me any information about my account. The reference # for our conversation is XXXX. 
I am looking to find my money and get it back. 
I did not give anyone permission to use my information. 
My identity has been stolen in the past. I have let the local police know and I tried to submit an FTC report and it would not go through, Please help.
Consumer complaint received 2023-10-16
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. (VA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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 XXXX
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (WA)

XX/XX/2023 I cashed my life insurance policy check at XXXX XXXX XXXX Keybank and they they told me it would post XXXX to XXXX. They also told me it wouldn't effect my direct deposit. 
XX/XX/2023 the check cleared but direct deposit was posted. I try to pay my rent online and the keybank app said my account was restricted. I call customer service but they seem to be confused on why my account was froze. 
XX/XX/2023 I go to XXXX XXXX XXXX And they told me that theres a hold on my account but they dont know why? but to wait XXXX weeks. 
XX/XX/2023 I go back to XXXX XXXX XXXX. They tell me they have a hard time reaching the fraud deparment and they dont know whats going on but to wait 2 months. 
XX/XX/2023 i contact corp office XXXX  for addtional questions. I find out the fraud department said XXXX XXXX XXXX didnt send addtional info that was need for the case. 
XX/XX/2023 I recive XXXX letters in the mail. XXXX saying " the account hold is typically within XXXX business days. the other XXXX stating they are closing my account within 5 days.
Consumer complaint received 2023-04-12
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. (WI)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-05-18
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. (TX)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00}
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

I filed a dispute for fraudulent transactions and Chase closed my case in under 24 hours with no investigation. When I called the claim department they told me to provide police report and a letter from apple showing indentity theft and each document they told me to send to get this resolved they still didnt honor it after I provided proof of identity theft. They basically ignored police report and letter from XXXX which they told me to provide. They hung up on me during calls numerous of times, told me a person of leadership would tell me the same thing before transferred. How is the Claims department bigger than the law is what I asked and why put me through all this and act like Im not a victim. I filed complaints never heard from any Chase officials on the matter. This has caused me a deal of stress because as a consumer of Chase products I would hope that I would be treated as such. When you file a claim a temporary credit should be issued which was never the case. I did everything they ask me to do and I still dont have nothing but stress and emotional grief.
Consumer complaint received 2024-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I took out a $ XXXX loan to help pay for the now closed and defunct XXXX XXXXXXXX XXXX XXXX XXXX. That loan was then transferred/purchased by Mohela. I have received loan approval for discharge through Borrower Defense to Repayment for my loans not at Mohela that relate to the fraudulent XXXX XXXXXXXX XXXX XXXX. To date, I have paid {$30000.00} to Mohela since XXXX. These payments should be refunded. I contacted Mohela and they stated that they understood that I was part of the automatic class for approval for discharge through Borrower Defense to Repayment, but they could not act on refunding any amounts paid. A refund for the amount paid to Mohela, however, should be initiated for payments made to the loan and served by Mohela, as of this writing. Further, the amount and any record of the loan should be taken off my credit report. Simply because I have paid off this loan does not mean that I am not entitled to its discharge and refund of the amounts paid.
Consumer complaint received 2023-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Monday XX/XX/ I was a victim of scam by a third party. My cousin told me about a cash application if I send {$400.00} they will approve me to get back {$8500.00}. I taught it was like a payment plan. I connected to the other person doing the application name XXXX XXXX XXXX. We started the process she gave me her email to XXXX the {$400.00} to start, then to release funds she told me to send {$1100.00}. So I did. After a coupke pf hours I saw there was something not right then I Call bank of america right away to alert them and let them now something was fishy and that I was scam. Since today XXXX, XXXX, Bank of america havent reach still investigating dont want to accredit my money.
Consumer complaint received 2024-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

I'm writing to dispute the inclusion of this bankruptcy in my credit report. This is particularly concerning because I possess a court letter clearly indicating that it should not be reported to you. Furthermore, the involvement of an unauthorized third party only serves to heighten the absurdity of this situation.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I have submitted paperwork for a loan modification but I still have not heard anything I left a mess with Ms XXXX XXXX XXXX I still have not heard back from her I did talk to someone Named XXXX and he is on e of the agents at Rushmore but he gave confusing information, to say that I should XXXX short term refi and that I would not get a market rate ..All I am trying to do is save my house with a fixed rate so right now I feel that I am stuck ..SO I NEED ALL THE HELP I CAN Get to save my house
Consumer complaint received 2023-07-22
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. (NY)

There is a XXXX XXXX XXXX collection on my credit that I never had and a XXXX inquiries on my credit and I never applied for a car both are keeping me from getting a job
Consumer complaint received 2024-06-09
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX XXXX XXXX  - Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXXXXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2023-10-11
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. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.