davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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. (GA)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-08-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Imperial Recovery Consultants, LLC (MI)

IRC services called my brothers phone left a.message that they wwre going to have me arrested for me to contact them. He happens to work with me and hunted me down. The guy was yelling that I didn't pay my payday loan from XXXX XXXX XXXX in 2019 and he was filing felony fraud charges against me and I would be arrested today if I didn't pay XXXX. He discussed all this with my brother XXXX. My brother 's name isn't on any thjng that I've ever borrowed. When I called back he was yelling I had XXXX hour to pay. I do have a payday loan that I owe on from 2019. But there was no fraud committed like he said. He said they would be arresting me today in my way home from work. Can you please help? The phone number he called from is XXXX, XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2022 a charge of {$4600.00} from XXXX XXXX  was noticed on my TD bank N.A. credit card.I contested with cc co.case # XXXX after investigation said I am responsible for charge.I filed a police report # XXXX, and no billing or video was found.
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ZIONS BANCORPORATION (WA)

On XX/XX/XXXX over {$200000.00} was deposited into my checking account at the XXXX branch of the XXXX XXXX XXXX XXXX. On the same day, I moved to Washington state. In attempting to wire transfer funds to new investment accounts after moving, I was informed by XXXX that I could only transfer {$10000.00} a day using online wire transfers -- something I had been doing with XXXX for over a year. I would have to personally go to a branch office to wire larger amounts. But there are no branch offices within hundreds of miles of me. 
On XX/XX/XXXX the XXXX branch manager submitted an expedited request to increase the daily limit to {$150000.00}, a process he said would take a couple of days to approve. Three or four days later I began calling the bank daily asking for an update. It is now XX/XX/XXXX and my limit is still {$10000.00} a day -- which forced me to wire {$10000.00} a workday and made it impossible to open certain investment accounts. 
I have never been given a reason for the delay and the bank has never contacted me with an update. I have been losing interest on my funds while XXXX has been earning interest on them since the {$200000.00} was deposited on XX/XX/XXXX.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

I placed an online order with my third party XXXX on XXXX and I had to cancel the order. However, I paid my 1st installment with XXXX of {$16.00}. With me canceling my order XXXX did in fact refund me my {$16.00} to my debit card on file on XXXX. However, Chase debited my account for the {$16.00} on XXXX. Chase is saying that they gave me the credit back for {$16.00} but according to my available balance on that date, they have not given me the money back. I have looked online and saw that Chase have NOT given me my funds back. I have also contacted Chases Customer Service Department and they are telling me that they gave me the funds back. This is not true.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MN)

I opened this a Bluebird prepaid debit account in XX/XX/XXXX. My account shows a negative balance. I contacted customer service at XXXX. I was told that charges went through my account from XXXX and I had to contact them for a refund. I asked how the charges could have been posted to my account when there was not money to pay the charge. The answer was never clear to me. One reason put forth that there was money in the account when the charges were first pending. This is not true. The account balance was {$6.00} as of XX/XX/XXXX. On XX/XX/XXXX, XXXX charges were posted against the account in the amounts of {$4.00}, {$18.00} and {$13.00}. Another reason was that Bluebird has an agreement with XXXX to allow charges when there is not money in the account, but the dispute resolution representative, XXXX was unable to direct me to a list of vendors that have this agreement. 

I was told I was responsible for the charges. I have reviewed the Membership Agreement available online. Pursuant to paragraph 16 ( a ) : I am not allowed to expend funds in excess of the available funds in the account and it further states that if a transaction occurs, I am liable. This is a prepaid card, not a debit or credit card. This was not a case of two transactions happening in close proximity. There is no reason those transactions should have been allowed to process. 

Please explain to me why transactions are posted to an account on a prepaid card without money to pay the charge. This is completely deceptive.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (WI)

I opened my Citi Accelerate on XXXX XXXX under the bonus terms as stipulated in the Welcome Package I received from Citi. I qualified for and completed all four activities and should have receive my {$450.00} bonus by XX/XX/XXXX at the latest. I still have not received it. 

I contacted a representative ( XXXX ) about the matter on XX/XX/XXXX. I received an on line notice today stating that my account was never linked to the promotion and therefore, I did not qualify for the promotion. 

When I opened the account the agent stated that it was opened with the promotional bonus plan, and that is why I received the Welcome Package with pages that specifically detail the bonus schedule. I copies of the promotional bonus plan detailed in my Welcome Package as proof. These are attached to my complaint. 

Please contact Citi to payout the {$450.00} bonus that Ive earned.
Consumer complaint received 2018-01-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (VA)

I was unemployed due to business closure for 18 months and got behind on my loan. I am currently employed and have tried to get a loan modification that will help me pay my current plus the arrears but I have been denied by XXXX XXXX. I want to keep my home and I am working three jobs just to get extra income to pay my mortgage and arrears, but XXXX XXXX  has refused to help me with a viable plan. They appear eager to foreclose my home and have stopped taking payments from me which has caused me to get further behind. I want to keep my home and make my payments as I did prior to my job loss. Any assistance you can provide will be greatly appreciated.
Consumer complaint received 2024-03-06
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. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-24
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. (OK)

This is my complaint to notify you that I am a victim of identity theft. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Section 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$4100.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (SC)

XXXX XXXX, XXXX, AND EXPERIAN ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ARE IN VIOLATION OF : 1. 15 US Code 1681 b 2 - ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

2. 15 US Code 1681 c 2 - 3. 15 US Code 1681 e b 4. 15 US Code 1681 a 2 5. 15 US Code 1692 C C 6. 15 US Code 1692 G 7. 15 US Code 1602 P 8.15 US Code 1601 ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE 10 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2023-04-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : {$850.00}
Consumer complaint received 2023-06-24
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with experian. this issue has caused alot of errors an denials. this has been an ongoing issue that needs to get cleared asap. checking the data listed nothing is correct on all report. review an remove all listed items asap to clear my credit report.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NJ)

After paying a mortgage for 15 years without issue. In XX/XX/2010 I starting having difficulties paying my mortgage missed two consecutive payments and PNC returned my checks and refused payments. I did n't have anywhere to turn, with financial difficulties I decided it was best to put my property on the market since I owed more then the property is worth. I had it listed with three different Real Estate Brokers and was not able to succeed with a short sale on the property even thought there were buyers the bank turned them all down, with no offers over asking price off {$290000.00}. The Real Estate agent who currently has my property listed received an offer of {$270000.00} cash. PNC told my agent that because a short sale was reviewed already they will only allow it twice and I have exceeded that. First time was because the offer was too low and the 2nd was because my agent called and I was in a Bankruptcy, PNC counted that as the 2nd request. I am trying too get my life back on track and not have my property foreclosed on due to the severity of the impact it will have on me for quite some time. The reason for low offers are due to the condition of the property not having the financial backing with the serious draw backs which was not understood by the Appraiser. Their are 4 serious issues that were not considered in the bank arriving at there value. 1. Appraiser omitted the fact that the building department will require a {$60000.00} expense to repair a retaining wall and a new garage, which must be bourn by the new buyer within 90 days of purchase. ( photos included ) 2. The house is physically and structurally a knockdown. ( photo included ) 3. The driveway has an easement with XXXX other properties. 4. The house is a non-conforming lot that requires a variance to build a replacement home. ( see building code requirements attached ) The buyer is ready able and willing to move forward knowing before he can get the approval for a variance he must comply with the violation with the XXXX. ( attached violations for retaining wall and garage ). I have also attached a letter from the buyer addressed to the law firm who is foreclosing, sale contract, proof of funds, MLS listing. Please understand this property is not salvageable and the purchase is based on the land value minus the retaining wall.
Consumer complaint received 2023-11-01
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: The Savings Group, Inc. (NJ)

The customer service employee, dont have any information and try to end the call quick. They have no information on what I can do instead, they have wait for a call from a supervisor to fix the problem its been 2 weeks no response. I explained multiple times that I didnt allow for them to pull from my credit report.
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

XXXX XXXX XXXX XXXX has reported negative inaccurate information to multiple parties. I have notified them numerous times of their fraudulent abusive practices. I received a document from the IRS stating based off the information XXXX XXXX XXXX XXXX provided, I understated my income. Now I owe a debt to the IRS with interest consistently accruing. I have been disputing the validity of this alleged account or years and they have never provided me proper documentation. I've asked them for the original agreement with my signature, audit trail including XXXX, promissory note, XXXX and copy of the XXXX.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Wallace Management Company, LLC (TN)

I have received numerous calls from an agency that I do business with. They stated the amount I owe over a voicemail, without giving mini Miranda, what would 've happened if someone else checked my voicemail? I believe these violate my rights as a consumer, not only that I know all FDCPA Laws and this is prohibited to leave over a voicemail.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I paid off the full amount of my Capital One credit card ( {$4400.00} ). Historically, I typically pay this card off fully and do not maintain a balance on it. 

On XX/XX/XXXX, Capital One charged me interest of {$28.00} despite having a {$0.00} balance. On XX/XX/XXXX, Capital One charged me a {$28.00} past due fee on the {$28.00} interest charge, and then added another {$0.00} in interest on XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to use my credit card, upon which I realized it had been locked. I noted the {$57.00} balance ( from the interest/past due charges after my full payment ). I immediately submitted a payment for the entire {$57.00} balance and called Capital One. Their employee apologized and said they were waiving the full amount of {$57.00}, and she said she would cancel my unnecessary payment. She assured me I would have a {$0.00} balance and nothing owed once they waived everything, and therefore my account was in good standing with {$0.00} owed and no more expected interest charges. 

However, Capital One apparently did not complete the waiving process. They then charged me another {$40.00} late fee on XX/XX/XXXX along with {$1.00} in interest on XX/XX/XXXX. They also reported my account in late standing to all 3 Credit Bureaus. 

On XX/XX/XXXX, I was notified of this negative change by the credit bureaus. I immediately called Capital One. Their employee opened a case to correct their bank error and rectify it. They informed me that the credit bureaus would be notified by the bank of their incorrect reporting, and my account would again show my good standing. 

But unfortunately, on XX/XX/XXXX, Capital One itself, after being notified by the credit bureaus that my credit report had a late associated with it, used the negative reporting -- that they caused by their own error- to make a decision to lower my credit limit from {$22000.00} to {$5000.00}. 

I called Capital One to rectify the reduced credit limit today, and I was told they only recourse was a credit limit increase inquiry. This is unacceptable. Their error has caused the negative bureau rating. And they made a decision on my account based on their own error. I need resolution back to my full previous good standing.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, 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. (SC)

I am requesting that the following fraudulent inquiries are removed from my credit report. I did not authorize any of the following companies to access my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, and XXXX XXXX XXXXThese are fraudulent inquiries, and request these are removed immediately. 

XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX  I have reached out to the companies, and bureaus by mail and phone to report these fraudulent inquiries. I have been exposed to several data breaches and also lost a personal wallet within the past year and that's why I do have the fraud alert on my profile. There has not been any investigation or signature presented to validate the authorization of these inquiries.