davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GVA Holdings, LLC (KY)

I tried to get a loan. When their instant verification system failed, I tried to chat with them to fix the issue. I was kicked off chat 5x. I finally called in and was told that I needed to email in 3 months of bank statements. I did, checking my sent emails to make sure all 3 were attached. I called in again and was told that I only sent in 1, that I needed to send in all 3 again. I did and was told they still only got one. I told them that I checked my sent emails AGAIN, and all 3 were sent. I told them to forget it, that if it was that hard to get a loan from them, I didnt want it. I asked for my information to be deleted and to be unsubscribed from everything. The guy said sure. I KEPT getting emails and calls. I then got an email that my loan had adverse action and they wouldnt give me a loan- after I ASKED it be deleted. Then I went online and unsubscribed AGAIN. I thought it was over, but just this morning, I got ANOTHER email saying that if I didnt take action, my application would be deleted on XX/XX/15. This after Id spoken to a rep asking for everything to be deleted AND unsubscribing online.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc. (MI)

I submitted a final loan payoff on XXXX A week later, my account showed a {$0.00} balance and then a few days later I was no longer able to see the account anymore. I noticed that my credit report was not being updated to reflect the payoff and my report still shows a large balance. I asked the company to send me a letter to prove I have paid it off. They sent me the letter and it indicates that it was paid off on XX/XX/XXXX I opened a dispute with XXXX but their result of the investigation says the information on my report is accurate despite the letter indicating the account is paid off. The company is not submitting the correct information to the credit bureaus after the account has been paid off.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (CA)

hello! 
I am writing to you since I have a couple of unacknowledged charges from you. The first is a transaction that did not take place and they made it VOID, but they charged me and the money was never returned to my card. The position is from XX/XX/2023. I didn't use the car, they generated the contract and 30 minutes later they canceled it. The record number is : XXXX. I would be very grateful if you would return my money please. 

XXXX And the second charge occurred last XX/XX/2023, I spoke because they had not renewed my contract and they charged me, the next day ( XX/XX/2023 ) they automatically charged me again. so they charged me double the same week. The contract with the record number is : XXXX, it lasts 5 weeks and they charged me with 7 charges. 6 for {$320.00} and 1 inexplicable for {$73.00} XXXX I appreciate your attention and I hope you can help me. Thank you!
Consumer complaint received 2024-03-16
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX Balance : {$84.00} ; XXXX  XXXX XXXX Balance : {$250.00} ; XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX Balance : {$41000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX : {$840.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance : {$3300.00} ; XXXX  XXXX XXXX ( Original Creditor : PROGRESSIVE ) XXXX Balance : {$580.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX  ) XXXX Balance : {$2400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern : My chase bank account number : XXXX has been closed for no reason and the funds in my account are on hold without any reason. 
The bank stating that they are doing an investigation without giving any explanation I depend on my funds and they holding them I demand release of my funds immediately first they closed my account telling me they have the right to terminate my account at any time per terms and agreement but they don't have right to hold my funds.
Consumer complaint received 2017-02-16
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (TX)

i am trying to get my bank 'green ' in NOT getting notifications by snail mail. i want to receive notifications via email to go to my account online and logging in to get updates on when my CDs mature and when they rollover. bank states that it must be " written '' but does that necessarily mean MAILED? my bank is green in notifying me that my savings & checking statements are available, why ca n't they do the same with CDs?? why do they have to MAIL rather than have me go through my online account for the notifications?
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

I have recently received a response letter from Ocwen Loan servicing in regards to a CFPB report that was filed 60 days ago. I was very much to the point in the CFPB report that I wanted a response back through the CFPB as to my claims. This is not has conspired the company has permission to correspond back and forth with me and does so but when asked to place the facts in writing and with a agency that knows what the rules are and can see what the company has done its much easier to just mail it to your law firm where it might not get notice and just filed away not this time. Please reply to my redline statements of included in the letter sent to my law firmed. Please reply back through the CFPB with in the allotted time frame.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (FL)

I disputed a Charge with barclays and they are not siding with me because they don't understand how to read the merchants policy. They told me they are not attorneys. So because they are misunderstanding the policy they will not side with my dispute. The dispute involves a purchase of an airline ticket. I bought the ticket and asked for the merchant to cancel within 3 hours of the purchase. Their contract of carriage allows all tickets to be canceled within 24 hours unless the trip is within 7 days of travel. So I purchased the ticket months in advance and I sent a cancel email within a few hours. The department of Trasnportation that regulates airlines put this law into place to protect consumers. Barclays has failed to be able to comprehend the law and contract of carriage. I need help
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc. (AZ)

My relatives are getting called non stop, they have never reached out to me. Call seems like phishing to be honest. Threaten my relatives with legal action against me. This apparently has been happening for weeks. I called todayXX/XX/to see who exactly is trying to find me and they flat out refused to answer any of my questions, unless I confirmed information that they already have. I refused to confirm any information that this company has because I have never opened any type of account or affiliated with this company. For this reason, I refuse to confirm any information they have. I told the representative this information and they refuse to tell me what they were calling about. Which is odd considering they have all the info supposedly. I never have opened an account with this company nor do I know who they are. I do not want them to contact me or my family. They also threatened to call or come to my work place which is weird.
Consumer complaint received 2017-04-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Grant & Weber (CA)

I was erroneously reported to all three major credit Bureaus by XXXX for a professional fee I paid for {$220.00} on XX/XX/2015. I have the cancelled check. This check cleared the bank on XX/XX/2015. I received no notice of this referral to a collection agency and discovered this gross, negligent error after I was denied for a refinance on our home. To add insult to injury, I am now receiving menacing, harassing phone calls from collection agency Grant & Weber XXXX ext XXXX. I would like financial compensation for {$1000.00} for each agency to which info was reported and the reports corrected and verification that corrections were made sent to me in writing. and the account I was treated at XXXX in the XXXX The telephone number of the billing service who did this is XXXX 
Thank you in advance for your time and consideration.
Consumer complaint received 2023-04-11
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. (CA)

This is my third 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Inquired XXXX XX/XX/2023.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (AR)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, states that I have the right to privacy ( 15 USC 1681 section 604 ( a ) section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I do not give permission to report to my consumer profile/report and that you remove all fraudulent accounts immediately. There should not be any damages on my report as this is a defamation of character causing personal injury. I have been constantly harassed by these 3rd party collection companies. I have also received a response that clearly violates my rights according to HIPAA reporting & selling my information to those 3rd parties. I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts, remove ALL inquiries, pay me for violations, and update my credit report immediately I opt out of all 3rd party consumer credit reporting.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I moved in the middle of XX/XX/XXXX and notified Bank of America ( I've had a Visa credit card for 30 years, originally issued by MBNA before it was acquired by Bank of America ) that I was moving and to update the new mailing address. I use the card monthly and do not run a balance. I had paid the XX/XX/XXXX to XX/XX/XXXX bill ( not due until XX/XX/XXXX ) a week ago. 

In mid XX/XX/XXXX I tried to use the card at two stores and it was declined. I called Bank of America today to find out if the card 's chip or the strip was bad. The first gentleman I spoke with ( in West Virginia ) was very professional and was as confused as me as to why the card was closed. He went through the payment history and could not determine why the card was closed. He then transferred me to another gentleman in Texas who was also unclear as to why the card would be closed and then he transferred me to another another person in the some other group within Bank of America. This group apparently has been around for about 5 years. They claim to have solicited me in one mailing in XXXX indicating they wanted some information they no longer had or they would cancel my card. They apparently solicited me again the week of XX/XX/XXXX by phone during working hours from a number I do not recognize and was possible spam. So instead of sending another notice when they should recognize that I am settled in my new home, the cancel the card without due notice. 30 years. Their own website indicates they will not solicit information. There is no indication of this pending cancellation on the most recent billing statement.
Consumer complaint received 2017-04-01
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (FL)

I have a Dillard 's credit card acct I have always received the statement in the mail and go in store to pay my bill. I received a credit card in the mail that I did n't request and thought to use it for purchases on XXXX. I had the card for almost a year and never used it. when I used the card it did n't allow the transaction to go through.So i used cash, thinking i have to activate the card in order for it to work. In XX/XX/XXXX I tried using the card and the cashier said the card is denied. I thought that was strange I never used it before. I called the number in the back of the Dillard 's credit card to learn I have an outstanding bill of {$290.00} and was deeply concerned only to learn my account had gone to collections. I asked the collector why did n't I receive a statement he stated we do not have your current address on file. I mentioned receiving a brand new credit card from Dillard 's to my home and not a statement showing a purchase back in XX/XX/XXXX. He then responded that there was originally a {$43.00} purchase made on the card back in XX/XX/XXXX and said I will receive a letter in the mail on this investigation he will look into my account.After several calls to the creditor I received a letter in the mail that they 've reduced the late fees from {$290.00} to {$100.00} however they can not remove it from my credit report.I am writing to you to please help to resolve this case and restore my credit back to normal.I am surprised at the way Dillard 's treated me, I have had an account with Dillard 's since XX/XX/XXXX. I learned that they 're now a outlet and probably have sold accounts to collectors.Dillard 's is not operating as the department store it now a clearance center.
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (AZ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I purchased a washer and dryer from Home Depot XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX on XX/XX/XXXX. XXXX was {$1000.00} & was given 12 mon no interest if paid byXX/XX/XXXX. My XX/XX/XXXX bill has interest charge of {$320.00} for this purchase for " not having paid by due date ''. I've made high monthly payments every month to pay off this amount and other small purchases. XX/XX/XXXX {$100.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$75.00} The total is over {$1600.00}, way over the amount due on the washer and dryer. I don't believe this amount should have been charged to me and above all never explained to me. I would have paid it off. I have a credit score of over 800 and I would never, ever pay 29.99 % I've spoken with XXXX at HD credit card services and XXXX, asst mgr at the store, but they were not able to help me. No senior mgr was available.
Consumer complaint received 2018-12-18
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX in the amount of {$370.00} XX/XX/2018, which I believe to be a fraudulent account is showing up on my credit. I was never informed of this account before it illegally showed up on my credit report.
Consumer complaint received 2024-03-15
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. (MO)

XXXX Lender Info XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Responsibility Individual Original Loan Amount {$140.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX My XXXX is XX/XX/XXXX - XXXX  years of age This account was fraudulently created. I was age XXXX and this is not my account. I never received products or purchased products or signed any contract or agreed to any payments.
Consumer complaint received 2023-12-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Figure Technologies, Inc (ND)

On XX/XX/XXXX I applied for a XXXX  with Figure. I was denied immediately due to " XXXX XXXX or type of collateral not sufficient ''. When I reviewed their automatic analysis and the denial letter I determined that they were using outdated public information to determine the value of my property. I reached out to provide the information concerning a recent XXXX 's XXXX XXXX I received that showed a value approximately {$60000.00} more than their automatic system determined. Through the electronic chat and review of the documents provided I determined that their analysis was based on none of the updates that have occurred on my property over the last XXXX years. These enhancements have resulted in an additional XXXX square feet of finished space in my home and some very significant upgrades on the outside of the house. I asked via chat for them to consider this in my property value. I was informed that the company uses only their analysis of the public information available and will not take into account any additional information as I have provided. I see this as an unfair practice as it is not taking into account any work that has been completed on a property. I expressed this to the individual I spoke with, however no additional consideration was provided.
Consumer complaint received 2023-04-25
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. (CA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose