davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I tried to add my XXXX XXXX  account online as a payment from account to my Bank of American account, I got an error message that I need to fill out the account add form. I am not able to find it online, I called Bank of American online customer services, they are not able to find the form and directed me to a branch. I visited a branch XX/XX/year> and it took the branch agent XXXX hours to find out there is no such form available. I need to sent them a note with XXXX XXXX direct deposit form and a screenshot of the error message to add it. Bank of American did this on purpose to discourage their customer to add accounts they do not want That is a violation of FTC Section 5 : Unfair or Deceptive Acts or Practices.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (OR)

On XX/XX/24 I withdrew all funds from my account with PNC Bank. 

On XX/XX/24 I called to close the account, at which time I was informed that any interest accrued during the month of XXXX is forfeited if I close the account before the end of the month. This is the basis of my complaint. I am entitled to any interest accrued during the month in which I close an account.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Equifax has reported that, The account XXXX XXXX ( XXXX ) in the amount of {$830.00} is in Closed Status which is not. The true status of this account is in Collection I receive calls from XXXX XXXX asking to make payments or pay on a payment plan for this account.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

I deposited a check ( {$3200.00} ) on XXXX from my retirement fund. Chase Bank told me they were holding my check for 10 days because the payee is flagged with Chase to to bounced checks. I called XXXX XXXX which told me chase was lying stating and it should clear in about 2 days. I then called Chase back and spoke with XXXX @ XXXX whom claimed he was a Sr. Check hold specialist. He claimed XXXX XXXX will not verify checks over the phone. I called XXXX XXXX back and was told they do it all the time. I called XXXX back in which they said call back in XXXX XXXX days if funds were not released.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: Core Capital Lending LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX of core capital lending promised to reimburse the cost of my appraisal {$860.00} the money was never reimbursed! Even Only XXXX of the XXXX on my closing docs was wired to me. I sent in a complaint therefore XXXX XXXX and XXXX XXXX got angry and will not reimburse my money! fraud and lies. SO I OVERPAID ( XXXX FOR AN APPRAISAL ON A XXXX SQ FOOT HOUSE AND THEY WONT EVEN REIMBURSE THE COST AS THEY PROMISED! I HAVE RECEIPTS!!!
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-04-28
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX  and I have not yet received a response.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid 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 (AZ)

I signed up for the Capital One Quiksilver card due to a promotional advertisement for a 0 % interest on purchases for 12 months. They deceptively do not put the expiration date on the promotional rate on any monthly statement. I therefore called to ask when it expired and was informed by a representative the date was XX/XX/23. I paid the balance in full on XX/XX/23. Subsequently I have been charged interest from XXXX because the representative I called after seeing assessed interest charges said that the promo rate expired on XXXX. I asked for the {$15.00} in interest charge to be waived and she said they would not do that. Feel duped and very disappointed in the customer service and also in the deceptive marketing, practice, and lack of transparency on when the promo rate expires.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> someone pretending to be an employee from the fraud department with Wells Fargo called me to say someone was trying to XXXX XXXX to someone in another state from my account and wanted to know if i authorized this transaction and i stated absolutely not. They then proceeded to tell me that someone had gotten into my online bank account and had turned off the alerts so thats why i didnt receive any info on my end and that they would be texting me access codes to go into my account and turn the alerts back on and then they were gon na start an investigation. They then gained access to my savings, personal and business account and moved money around trying to withdraw my funds. They were able to set up apple pay on both my personal and business account and withrdraw money from a Wells Fargo Bank in XXXX Florida which is atleast 4 hours from my home and were able to withdraw {$300.00}. Then they used my card to access some funds for online gambling as well and withdrew funds. I went to the the local branch on XX/XX/year> and wanted to speak to someone in person and that time i was made aware that this person was impersonating a Wells Fargo employee and wasnt legitimate. I was furious so they filed the claims on my behalf and then denied them stating the person had my pin number which i didnt give to them so they denied the claim. I am furious., this has effected me mentally, physically and most of all my business. I then left and went to my local police department and filed a complaint with them. This is a sad world when even the banks side with the scammers. I'm extremely mad and will take this action further. If you can help that would be great. Thanks and have a happy XXXX.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

i got in the mail a letter from Experian that i had requested a security alert to be put on my credit report on XX/XX/2019. I did nothing of the sort. I did not make this request to have this alert put on my credit report. Attempting to get in touch with them regarding this is almost impossible because they provided no phone number to contact them. Now having found the correct number and discussing this issue with them they are saying that i must provide documentation to them to have the alert removed. I have missed several phone calls for my work while trying to clear this matter up. Experian can not just a will throw alerts on then ask me to send them personal information. 

Supervisor : XXXX Team Name : XXXX Location : XXXX XXXX Representative : XXXX Location : Arkansas Neither were willing to remove this alert that Experian put on themselves without my consent. This is not a burden that i should have to take on. I want this resolved immediately and i want to know when it is done and what will be done to those employees who would not correct the error made by Experian. 

Thanks XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting this letter to update the following account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}.
Consumer complaint received 2024-04-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I purchased items totaling {$2500.00} from XXXXXXXX XXXX in XX/XX/XXXX, believing I had a XXXX interest-free period based on the seller 's assurance. However, it was actually an XXXX period. Despite making consistent payments to Synchrony Financial/Bank , I discovered in XX/XX/XXXX that I was charged over {$870.00} in interest on a balance of less than {$250.00}. This was without any prior notification or explanation. When I inquired, I was informed that since I hadn't paid in full by 18 months, I was being charged interest on the entire amount, not just the remaining balance. 

Neither the sales representative nor Synchrony adequately communicated this condition. Despite my attempts to resolve the issue, including speaking with a supervisor named XXXX XXXX, I encountered unhelpful and misleading responses. Requests for documentation were denied, and it seems the company is not transparent about its practices. This lack of clarity amounts to consumer fraud.
Consumer complaint received 2024-04-28
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. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX AND : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX CAR : # XXXX, XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C 1681-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I am XXXX XXXX XXXX, and Im 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 three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-28
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-04
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-04-28
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. (FL)

XXXX XXXX- {$1200.00} This account was created unauthorized and fraudulently XXXX governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies
Consumer complaint received 2024-03-09
Product: Credit card — Store credit 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: Klarna AB (NJ)

On XX/XX/XXXX I purchased a car stereo from a company called XXXX located in XXXX. I financed the purchase with Klarna and made two payments as of today 's date. The product arrived with a slew of issues, issues that XXXX could not resolve, I opened disputes with Klarna and was enticed numerous times by XXXX with a {$300.00} refund in exchange for canceling the dispute. I first agreed and canceled the dispute. I then uncovered two more issues with the unit while I was still in my 30 return window. I opened another dispute and was immediately closed by Klarna, when I called about this I was told that an email was sent XX/XX/24 requesting my proof, I never received said email, and how could you close the dispute the same day you claim asked for my proof? Throughout this entire experience XXXX has constantly lied to Klarna, I have a chain of emails proving that, which Klarna never took into consideration. I have ulimatley decided this unit was shipped to me in a defective state, XXXX wants me to bear the cost of returning a defective unit to XXXX, that is beyond unreasonable to ask of any customer. I have emails from them proving they lied in their response to Klarna 's inquisition. I feel that I have been cheated and scammed by this company, and shame on Klarna for condoning this behaviour.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This refers to my previous complaint # XXXX regarding the repulsive treatment I received from TransUnion when requesting to view my credit reports online against my better judgment. The reason for this was my inability to obtain a telephone number where I could speak to a worker in my own country from hostile and rude overseas workers. I almost became sick when I read the ridiculous and slovenly response of the company who seemed to not comprehend my complaint. I was totally disbelieving of their removing my extended fraud alert. I responded to CFPB that none of the issues I mentioned were addressed and the horrible people of TransUnion REMOVED MY EXTENDED FRAUD ALERT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I demand that they replace MY EXTENDED FRAUD ALERT on all 3 credit reports from the 3 reporting services 1-TransUnion 2-XXXX  and 3-XXXX. They only made matters worse since I have gone through XXXX since my identity was stolen from my lawyer 's data base! This has been a 13 year nightmare. I will need the three credit reporting agencies to replace the extended fraud alert and send 3 corrected reports with the fraud alert clearly stated on them. There is no excuse for this confusion and never ending nightmare. Until I receive my 3 annual credit reports with the fraud alerts I will continue to file complaints. If I have to contact the president himself I will do so with this example of how something which should be fairly simple can become a long and torturous exercise in futility. As far as the original issues, I just give up-these agencies will never change. God bless America
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERISAVE MORTGAGE CORPORATION (VA)

I applied for a Mortgage in XX/XX/XXXX with Amerisave Mortgage Corporation Loan XXXX. I also paid a {$500.00} application fee. It has been communicated that the closing process is approximately 40 to 45 days. I provided all the requested information, and I met all the requirements for the loan. However, this ended up being a long, drawn-out process with no clarity as to why there was no progress. I constantly followed up with my loan processor, his manager, and also the customer service and still got no traction. I received a confirmation that closing disclosures were ready in XX/XX/XXXX, but still nothing was done. The process went on until XX/XX/XXXX and I did not get any loan and no explanation as to why. I spent a lot of time sending several requested documents and following up to no avail. 

I even found a website where several people have the same experience. I, however, still see the company reflected as a highly rated company, which seems inconsistent with my and several other 's experiences.