davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

this is a complaint I filed on XX/XX/XXXX again capital one credit company claiming that the company supplied with avoidance, which the did not supply them with an IP address and a bunch of stories, the fact of the matter is I called capital one and they suppose to open the case again and they did not I send them all the correspond for the matter include a complained and a letter and have all transition with XXXX XXXX and the mistake and error they did include a lie that they gave me, A copy of the original complaint is attached OUR COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2023 Capital One Customer Service [ Address ] [ City, XXXX, Zip Code ] To Whom It May Concern : I am writing to dispute a charge of {$7000.00} that was made on my Capital One credit card on [ date ]. The charge was made to a company called " XXXX XXXX ''. I was contacted by a XXXX XXXX representative who told me they could help me get a loan of {$50000.00} to {$150000.00} with 0 % interest. They said they had connections and could help me invest my money and double it within XXXX year. They told me that the cost of their services was {$7000.00}, but that I could pay it in XXXX lump sum or in installments. I agreed to pay the {$7000.00} and gave them my credit card information. They charged my card and then sent me instructions on how to download the XXXX app. They said that they would use the app to communicate with me and help me with my investments. A few days later, XXXX XXXX opened an LLC for me and sent me an IRS EIN. However, they never gave me access to my files or any of the connections that they had promised me. I tried to contact them several times, but they never responded.After a month, I realized that I had been scammed. I filed a complaint with the authorities, but I have not been able to get my money back. I am now disputing the charge with Capital One. I believe that this charge was fraudulent and that I should not be held responsible for it. I have attached a copy of my credit card statement showing the charge, as well as a copy of the complaint that I filed with the authorities. I would appreciate it if you would investigate this matter and reverse the charge. I was originally told that the cost of their services was {$8000.00}, but that I could pay it in installments. However, they charged my card for {$4000.00} and told me I could pay the remaining {$4000.00} in XXXX lump sum. When I complained, they said that they would take {$7000.00} instead of {$8000.00}. I believe that this is a bait-and-switch tactic and that I should not be held responsible for the charge. I believe that XXXX XXXX is a scam. They have no physical address or phone number, and they have refused to provide me with any documentation of their services. I have also found several complaints about XXXX XXXX online, from other people who have been scammed hank you for your time and attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

This is my complaint about JPMCB CARD. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

I have disputed XXXX XXXX XXXX several times on my credit reports. It continues to be removed and shows back up. I have written letters and done online disputes and it still continues to be deleted then reappears. The first deletion was in XXXX 2017 and the second deletion was in XXXX 2017. I have not received any signed verifiable documentation as I have requested several times.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made sure payments on this account are on time, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2017-05-03
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)

I HAVE SUBMITTED POLICE REPORT TO   XXXX   and EQUIFAX SEVERAL OCCASIONS AND DISPUTED ACCOUNTS I N 2016 THESE ACCOUNTS HAVE BEEN DELETED DUE TO FRAUD AND THEY RE APP EAR ON MY CREDIT FILE I WAS TOLD TO GET A NEW POLICE REPORT AND SEND BACK TO THEM I HAVE DONE THAT AND I AM GETTING NO WHERE WITH   XXXX   IN REMOVING THE ACCOUNTS THAT CAME BACK AND ACCORDING TO TH FTC I DID NOT RECEIVE A  FIVE D AY NOTICE ON THE REAPPEARING ACCOUNTS THAT FRAUDULENT
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 SECTION 604 A Section 2 : 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 report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I opened this checking account on XX/XX/2023 in XXXX Ca. My account was closed XXXX and I called more than 11 times to inquiry about the check which is suppose to be mailed out. There is no tracking available. It has been difficult dealing with citibank. I was treated horrible and I will never ever use this bank again.

I can't get a straight answer. The last lady I talked to named XXXX said I should call for 30 days. Citibank has made interest on this money and seem like they are trying to steal my money. 
They have been very unprofessional with me. 
The amount of the check is {$6800.00}.
Consumer complaint received 2023-01-04
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: ALLY FINANCIAL INC. (TX)

Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
XXXX make it clear I have a right to XXXX as a federally protected XXXX. Under the FCRA you can't report late payment.
Consumer complaint received 2021-05-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report.To this day, 60 days later, I have not recieved a response as of today. I am feeling like I am being ignored about my disputes.In Section 611 ( a ) it plainly states if they dont investigate these items within 30 days it gives reason to immediately remove these items from my credit report.It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation for the stress you caused me..My information was also impacted by the equifax Data Breach and may have fallen in the hands of the wrong person
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I used my Synchrony credit card ( the Card ) to purchase what I believed to be an authentic XXXX hair dryer. I quickly realized that the fraudulent business ( the Company ) I ordered from was not in fact a legitimate company but was unable to cancel the charge. I immediately called the Card to dispute the charge and formerly filed a complaint. 

From XX/XX/XXXX through XX/XX/XXXX I followed up the initial complaint with numerous supporting documentation to evidence that this was a fraudulent Company. The supporting documentation outlines the dates of all communications and transactions, provides photos that illustrate the blatant and obvious fraud on behalf of the Company. The supporting evidence shows how the Company deceived me by misspelling the brand name, using a fraudulent email address, routing the payment vehicle through a fraudulent XXXX account, and used a federal mail service carrier to deliver an item that was without question not the item ordered. In short, and I can provide all and any evidence needed in furtherance of your investigation to support this, what I ultimately received from the company was not a hair dryer but a white nylon t-shirt, clearly used to give the appearance that an item was shipped and delivered and this is evidenced by USPS tracking numbers. 

Despite the Card indicating that it would investigate the matter, the matter appears to have been closed and on XX/XX/XXXX when the charge ( {$320.00} ) was posted and added back to my card without any notice. The Card did not alert me to the closure of the investigation, the basis for the decision or the opportunity to provide additional documentation. 

I have been a loyal customer to the Card for over ten years, paying in full my balance each month. The Cards failure to adequately and diligently investigate this matter, ESPECIALLY given the apparent and obvious nature of the fraud, is not only professionally negligent to its customers but irresponsible in allowing fraudulent businesses to continue to deceive customers. There are countless federal and state laws that the Company has broken, and the Cards negligent inaction here is furthering this illegal activity. 

Please contact me for any additional information needed to review this matter. The Card is leaving customers in a vulnerable financial situation, and action must be taken to remedy my particular matter, but also to address the negligence on the part of the Card. 

Thank you.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

This is my complaint about AMEX. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions
Consumer complaint received 2021-05-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021 I paid my loan off with Wells Fargo. A week later I received my title and a letter stating that my lien had been satisfied. A month after that, Wells Fargo sent me a generic form letter that stated that they had a " banking error '' and that they needed to redraft my account. When I called Wells Fargo to request a debt validation letter, the flat out refused. They still are refusing to this day to provide me with this. My understanding is that if a person requests this, the organization attempting to collect said debt is legally compelled to provide this. 

After 42 phone calls, and 6+ hours I have had 0 luck. They also, several times, have refused to provide any proof that I am actually talking to wells fargo. I would like someone to check in to this. A bank that literally averages {$1.00} XXXX in fines a year is not to be trusted and after exhausting every avenue I have, I need help.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In XXXX I applied for a Making Homes Affordable modification. I was a victim of predatory lending. During this time I was with XXXX XXXX now XXXX XXXX XXXX. I received the Making Homes Affordable modification and the 2nd lien was charged off due to being a predatory loan. ( Bank fraud ). Then 10 years later SLS contacted me in early XXXX and stated I owed the an even larger loan placed me in to foreclosure. This happened at the same time my husband caught XXXX and became extremely sick. I also had to have 2 medical operations during this time. We are both elderly. XXXX & XXXX XXXX XXXX. 

We are unable to come up with upfront money that has been requested by SLS. We are requesting a modification to make monthly affordable payments. We want to avoid foreclosure and loose our home we have lived in over 20 years. Please review our modification package and help us save our home.
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT RESOLVE GROUP LLC (MD)

I got a call from these  XXXX , stating that they were looking for my EX who I do not speak to anymore about a debt he owes from his business dealings. They have threatened me to continue to harass me if I do not get my ex to call them. They have also contacted my daughter 's cell phone. I have made it clear that I can not help them, however the   XXXX    keeps harassing me. This should be illegal for him to threaten me over text messaging and to continue to call and text my phone.
Consumer complaint received 2024-03-26
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-02-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (CT)

Company : Marcus by Goldman Sachs Re : Auto-renewal of CD for a non existent product without proper notification period and no market rate adjustment CD expired on XXXX XXXX XXXX Markus called once and asked to call back. I forgot to call back. 
I called back on XXXX XXXX since CD status was " undecided '' in the app. I wanted to move the money from CD to my joint account in the same bank. 

Three different customer representatives failed to find a resolution ( time spent on the phone over 85 minutes ). None of the representatives were able to answer four questions : 1. how much time does a customer have to decide what to do with money after CD matures 2. tell me what would be the penalty if I move my money out of the " new '' CD 3. why my CD was auto renewed in their systems but not reflected in the app so I did not receive any notification 4. why was the CD renewed at a 1.1 % rate without market adjustment. 
Customer Service opened a case... 

Checked the app again on XX/XX/XXXX. Someone had updated the status in my application that I auto-renewed the CD. Which is NOT what I did. 

Called Customer care on XX/XX/XXXX. Asked to speak to someone senior. Asked same questions. Waited on the phone for 35 minutes only to be dropped off. Case still pending resolution.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services (NC)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

US Auto close down in XXXX. I was not aware of the close until late XXXX because I could still pay my car note through the website until I went in to pay on XX/XX/XXXX and I could not due to the website being shut down. 
I never received a notice from US Auto or from Westlake informing me that Westlake will be taking over my account. I received a phone call from Westlake stating that they were a debut collector trying collect a debut. I didn't know what they were speaking about because they never said they took over my account. When I was finally speaking with some I could understand he told that they had my account that I needed to pay them. He stated that they sent an email. I had him on the phone while I search my emails to find the email they had sent. Never found the email so he said he would send another which I never received. I told him that I understand what he was saying but I needed something showing me what he was saying. There are many scams out here and I wanted to be sure that I wasn't getting scam. He verified my email and said he would send it. I never got it. Then I started getting these emails saying payment due. It has a portal for you to open up but you can't open it unless you have account number which I didn't have. When I tried to speak with someone on the phone it wasn't English. I notice that the total amount on the email they are sending is XXXX XXXXXXXX. That was when I first got the car. I been having the car Since XX/XX/2022 and now they want me start over. They towed my car with a breakdown total amount due XXXX late fee XXXX and towing fee XXXX
Consumer complaint received 2023-07-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

On Tuesday XX/XX/XXXX I logged into my online banking account, via the Chase Mobile App, and I was looking at someone else 's information. Everything from account number, to address, personal information, and account balances.

I escalated the problem to Chase and they blocked my online account access. I have been waiting for a follow up for more than 48hrs and still nothing. 
I called today on XX/XX/XXXX and after 1 hour of constant ping pong no one is able to tell me where my Online Banking account of 10yrs went. If my personal information was also made available to another person. This is a breach of personal information and the lack of communication in this matter is ridiculous. 
My concern is that my personal information can be used by someone else and what assurance does Chase have that I dont have or will use the other customers information that I had access too. 
The solution now is to create a new Online Banking profile. Sure, not a problem.