davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
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: Experian Information Solutions Inc. (AR)

Its been several months now I have been in consistent contact with Experian consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Experian. Experian has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Experian has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Experian should be held accountability. Experian has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Experian is liable.
Consumer complaint received 2020-03-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-03-17
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: TIDEWATER FINANCE COMPANY, INC. (VA)

I have disputed tidewater financial several times and it comes back verified. How can it comes back verified when it's reporting different information on all bureaus? Highest balance is different along with last payment. This is a violation of my rights.
Consumer complaint received 2020-03-17
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: Experian Information Solutions Inc. (VA)

I have disputed XXXX XXXX  several times and it comes back verified. How can it comes back verified when it's reporting different information on all bureaus? Highest balance is different along with last payment. This is a violation of my rights.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently had business a credit card account with Capital One, with an APR of XXXX %. Like many, our business suffered a significant decline during COVID19 and around XX/XX/2020, we reached out to Capital One to request an Coronavirus assistance they had available. The option we were offered was to accept a deferral of our monthly payment, which we opted for in order to buy us a little breathing room on monthly debts. Unfortunately, we misunderstood this particular program and thought it was similar to other programs where we were afforded XXXX months deferral. However this was only good for XXXX month and we were a day late in requesting an extension, which as we learned now is equivalent to " missing a payment '' in Captial One 's book. We continued in this deferral program until this month, when we reached out to discuss with the bank if there were any options to help us reduce the interest rate or find a plan to pay off the debts. While the deferral was helpful, it was just kicking the can down the road. At was at this point that we learned that our interest rate was not XXXX  %, but had been increased to XXXX  % because of missed payments. Even though we were in Coronavirus protection program from XXXX - XXXX, because there was XXXX times where we requested the extension a day late, we were hit with a Predatory interest rate, without ever being told. I am infuriated as I revisit this experience in typing this. How is this even legal? How are credit card companies, during a time of record low interest rates, allowed to legally charge customers interest rates of XXXX %? All the while without informing the customers of such a predatory rate increase. This is worse than most pay day loans. Capital One refused to even consider correcting the issue. They offered no assistance in finding a way to restructure the debt so that we can pay it off. NO, they only wanted to continue to allow me to defer my payments while continuing to tack on XXXX % interest on the balance every month. Capital One needs to be investigated for this practice.
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (MD)

My Regulation E claim regarding XXXX debited from my account from XXXX XXXX on XX/XX/2019 was denied. This was a nearly XXXX dollar charge that was not flagged by the TD Bank Fraud department. I live in a large apartment building with hundreds of other residents so my address is not unique, despite the fact that my address was used as evidence to deny my claim. 

TD Bank claims that they were unable to contact me ; however I called back the contact person at TD Bank on four separate occasions and never heard back. 

In addition to all of this, I received a letter stating that my temporary credit would be final and the claim was ruled in my favor. This is a clear case of corporate greed where a consumer is being taken advantage of by a large bank. In the future I will take my concerns public with social media so that other consumers do not fall victim to this mistreatment.
Consumer complaint received 2023-01-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA (OH)

Once again Kia Finance of America is at fault for messing up my account for the second time. I refinanced my loan with another company to get away from this terrible company. On XX/XX/2022, I called to check on the status of my overpayment check in the amount of {$1000.00}. The representative told me the check was NOT sent to my address, instead it was sent to Colorado! I DO NOT live in Colorado, I LIVE in Ohio! They have to complete a stop payment on the check to reissue it to me to my correct address. Due to this error, I am in a financial hardship!!! This company keep making errors on my account and not taking the fault for it which is effecting me! Please expedite my check!! Ive been waiting since XX/XX/2022 for this check!
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Kohls has written me 30 day onto my credit report. i have never missed a payment and set up auto pay, kohls has yet to fix this and said it was not there fault. I have never missed a payment and always have been on time.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CO)

I received a debit card in my name at my address. This is a fraudulent account set up with my name, birthdate, and social security number. I was told the account couldn't be closed because my email address and phone number do not match what they have on file. I told them of course it doesn't it's a fraudulent account. I verified all of the government requirements. I was then told they were unable to close the account because I couldn't verify all of the information. This account was not opened by me and Chime Bank will not close it. They do not take care of these issues by phone either, they only will email for these situations. How is that secure and how can they open accounts with no verification of ID?
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

See attatched XXXX  CREDIT REPORTED Account XXXX opened XX/XX/XXXX Date Reported XX/XX/XXXX. Kindly Note Account History is MISSING FRAUD INFORMATION I REPORTED TO XXXX  XX/XX/XXXX. ( HISTORICAL ACCOUNT INFORMATION IS OF XX/XX/XXXX * ONLY. ) See attatched XXXX  LETTER XX/XX/XXXX XXXX  DID NOT APPROVE MY FRAUD CLAIMS BEGINNING XX/XX/XXXX BUT DID NOT REPORT THE TRUTH TO EQUIFAX. see attatched Criminal Investigation Letter XX/XX/XXXX of the deliveries NOT MADE XX/XX/XXXX FORWARD. WHY ISN'T THE TRUTH REVEALED? XXXX  REFUSED TO PROVIDE WRITTEN PROOF THESE ITEMS WERE PURCHASED BY ME AND DELIVERED INTO MY HANDS?? XXXX  REFUSES THEN DESTROYS MY CREDIT WITH INACCURATE INFORMATION. PROVIDE ACCURATE REPORT OF HISTORY & WRITTEN PROOF OF PURCHASE AND DELIVERY INTO MY HANDS OR DELETE IMMEADTELY.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MI)

My account was closed XX/XX/2022 with no explanation of there is no way of contacting chime bank I had a checking account with funds in it a savings account with funds in it also a credit line with funds in it in attempt to get my account open again or funds released they dont respond to emails or Answer questions Ive allowed the 14 days to pass but I still have not gotten an answer despite numerous emails
Consumer complaint received 2020-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-03-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My 3 credit cards were compromised on XXXX. Someone charged XXXX debit card for {$800.00}, XXXX XXXX credit card for {$950.00} and Bank of America credit card for {$250.00}. I immediately contacted all 3 banks and advised them that I didn't make those purchases and would like to dispute them. XXXX and XXXX XXXX have reimbursed me for above mentioned fraudulent transactions the same week ( please see attached statements from 2 banks ). BoA originally reimbursed me for {$250.00}, however on XXXX they pulled the funds out of my account and sent a letter stating they are holding me responsible for the charge. I requested a report with conclusion of their investigation because I wanted to know why I'm been held responsible for the transaction I didn't make. However, I only received a letter stating " we are unable to approve your fraud claim because our records indicate that when the merchandise was ordered, your billing address was verified and the merchandise was shipped to you address ''. As I later discovered {$250.00} purchase was made through XXXX. Vendor confirmed that electronic gift card was paid by my credit card and sent to my email XXXX. I never received this email, that's why I suspect that my XXXX  account was hacked. Looks like someone was able to obtain my name, address, phone #, email address & credit card # s through XXXX XXXX  that is linked to my XXXX. I called BoA and XXXX several times trying to resolve this issue. I spoke with XXXX ( supervisor at XXXX  ) and she said there was a charge-back to BoA on XXXX. She wasnt able to provide any written confirmation of returning funds to BoA due to security reasons. When I called BoA they denied taking the funds back from XXXX and upheld their decision of rejecting my fraud claim. 
I'm very frustrated with how BoA handled this matter. I notified them about this fraudulent transaction as soon as I discovered it while it was still pending. I filed a police report, FTC report and tried to settle it with vendor. At this point I dont know what else to do to get my money back. I paid the charge just because I dont want them to charge the interest on this transaction while it's still under dispute.I expect BoA to reimburse the funds just like XXXX and XXXX XXXX did.
Consumer complaint received 2021-01-05
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. (CA)

I received a copy of my credit report from Equifax on XX/XX/XXXX. It reflected a hard credit inquiry on XX/XX/XXXX from XXXX XXXX that we did not initiate. On XX/XX/XXXX I spent 2.5 hours on the phone with XXXX and/or XXXX XXXX at four different numbers before I could reach a supervisor that transferred me to the fraud department at XXXX. The fraud representative name was XXXX and his employee ID is XXXX. Prior to the fraud dept. I spoke with XXXX with employee ID # XXXX at XXXX. They confirmed someone applied for a new account on XX/XX/XXXX. They stated the application was still pending and I had to talk with another department to report the fraud and prevent the account from being approved. After two hours on hold, they stated the account was approved but then shut down based upon my phone call regarding the fraud.
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OR)

So I filed a complaint before and the letter I got back stated that all forclouser actions have been stoped at that I was added to the loans in XX/XX/2020 then when I call and talk to someone they tell me that I'm not on the loan so they are not going to help me and not are they going to let anyone else help me after I got the letter back on here from them I sent that to a company that has been trying to help me with my loan chase told them that I'm not on the loan so they will not let them help with it and told them not to call back so they pull my leg on here and make it sound good but when I call I get no help cotradicks the letter they sent on here so I might have to get an attorney to help because they said to that they are moving forward with the fouclouser and on here they said all forclouser actions are stoped Wich is untrue I can't ever get the same answer from different people at chase
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

Dear Experian : Credit Report # XXXX To whom it may concern I am trying to dispute the 5 months late payment indicated in FIVE parts of my attached credit report- and the funny part?? NONE of my accounts on any of my now 5 times pulled credit report with you in the past month show any late payments since XX/XX/2018!!!! See pages 28, 29, 30, 32, 34 of this credit report. WHERE ARE YOU COMING UP WITH THIS?? 

This a huge mistake on Experian 's fault and I've had nothing but problems. THIS IS A FORMAL COMPLAINT AND I AM ABOUT TO GET A LAWYER. DUE TO THIS I HAVEN'T BEEN ABLE TO GET AN APARTMENT TO LIVE IN AND LIVING AT MY PARENTS HOME. THIS FACTOR ABOVE IS 35 % OF MY CREDIT SCORE. 

XXXX Experian and XXXX  BOTH show my last late payment was up to date 2 years 3 months ago which is ACCURATE**** 2 Years 3 Months Time Since Most Recent Late Payment Your most recent late payment
Consumer complaint received 2020-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Alexander & Associates, Inc (NJ)

In XXXX of XXXX I went to landlord tenant court with my landlord XXXX XXXX at that time he was granted possession of the property and he got to keep a XXXX security deposit that we had paid to move in the property. 
In XXXX of XXXX a collection agency called Williams Alexander contacted my partner stating that we owe XXXX dollars I have no idea what this debt is about. In XXXX of XXXX I noticed this debt on my credit report. I have disputed it many times and I am now starting to see payments being made on this debt. I have made no payments on this debt I dont know who is making the payments, and Im sure the bank account or credit card numbers will not match mine if it is investigated. This man XXXX XXXX has my social security number and I dont know what he is doing with my information. Please help me with this matter I pay all of my bills on time and I believe this man is somehow manipulating information being that I had to give him my personal information upon renting the house.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I REQUESTED FROM ALL " CRA '' ON ABOUT XX/XX/2021 FOR UPDATE XXXX XXXX XXXX AND ITS BEEN OVER 45 DAYS HAVE NOT RECEIVED ... NOTE : SENT DISPUTE LETTER OF ID FRAUD ACCOUNTS AND UNDERAGE DURING TIME ACCOUNT OPENING ... '' NOT MY ACCOUNTS '' : " XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ''
Consumer complaint received 2020-03-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I've sent out three disputes to Experian, XXXX and XXXX on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. The amount owed is {$1800.00}. I've disputed to receive proof of verification on my credit report but have not received accurate information at all. I've disputed about this account on three different occasions but neither credit reporting company has given me an accurate response.
Consumer complaint received 2020-03-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Finance Corporation (CA)

My brother XXXX XXXX XXXX attended XXXX in XXXX Minnesota graduating in 2007. During that time he was pressured by the financial aid office to take out several loans promising that his employment post graduation would more than pay for his loans. I co-signed him with the intention to help his career. During the time I co-signed I was an over seas military spouse with no employment. The loan company accepted my co-sign. One loan is for {$36000.00} and the other was for {$18000.00}. I was surprised they accepted. I was unaware that he had several other loans out as well. He is currently an unemployed XXXX in XXXX who was deferring his loans by remaining in school going to XXXX  college. The payments were so high he couldnt manage. This semester he finally stopped going and is seeing a XXXX  for XXXX  induced by the loans he has incurred over his time in school. My primary goal is to remove myself from to two loans mentioned because it is harming my families credit. In addition I am a XXXX XXXX with a XXXX  XXXX  that could be affected by credit issues. However I am also concerned about my brother and the XXXX  this has induced on him. Please advise. Worst case is it possible for me to try to find the funds to cover the principal balance and get removed from the loan? What can be done for my brothers overall problem. XXXX XXXX XXXX XXXX XXXX is the company that has been coming after me now that my brother is having issues. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I've sent out three disputes to XXXX, XXXX and Equifax on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. The amount owed is {$1800.00}. I've disputed to receive proof of verification on my credit report but have not received accurate information at all. I've disputed about this account on three different occasions but neither credit reporting company has given me an accurate response.