davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MO)

US bank ATM ate my money during the deposit. 

1. XX/XX/2020 around XXXX XXXX  I tried to deposit cash into the ATM. During the deposit, an error occurred. The ATM swallowed my money, but the transaction was not reflected in my account. 
The amount of money I lost was {$8800.00} in total ( the first attempt was {$2700.00}, and then the ATM asked me " Deposit more? '' so I continued the second attempt, which was {$6100.00} ). That was all {$100.00} bills. Worst is, I lost {$8800.00} cash but I just only got one receipt regarding the first attempt. 

2. I reported the error to the US bank by phone on the same day ( XX/XX/2020 ). 

3. US bank provided me {$5300.00} as a provisional credit om XX/XX/2020, but they withdraw {$2600.00} on XX/XX/2020. 

4. Around XX/XX/2020. I got a letter from US bank, saying they only admit {$2700.00} as final. I can not accept the result because there was too large gap between what I lost and their final decision. 

5. On XX/XX/2020. I sent a USPS certified mail to tell US bank what happend exactly, and what's going on until now. However, US bank did not reply to my postal letter. Because I'm afraid that there was miscommunication due to the language barrier. Actually, I made several phone calls to US bank to see if what's going on with my case. I asked for getting help from a XXXX  interpreter, but the representative just ignored it. This same ignorance happened twice. 

6. On XX/XX/2020, while talking to US bank via phone, I realized there was some miscommunication on my initial claim due to the language problem. So, we corrected the amount of money that I lost at ATM, {$8800.00}, with help from a XXXX-English interpreter that US bank provided. At that time, the representative of US bank said he fixed the problem resulted from miscommunication. And he said he re-filed the claim as {$8800.00}. And he said I will receive a letter and provisional credit within 10 days. 

7. XX/XX/2020. Until now, I haven't got any reply like letters, phone calls, or credit. I made a phone call to US bank, I asked why you did not provide any information about my case. However, they just said it is still under investigation. It already past two months. 

8. It is big money to me, but they do not show any effort to solve it. To preserve the evidence, I ask them to preserve the surveillance camera film on the site until this case is resolved, but the representative said they can not handle it. 

9. I am a weak individual consumer, US bank has all the evidence and authority but they are not cooperative. It is unfair. The only means that I contact to US bank is making a phone call. Whenever I make a phone call, I have to spend about 1 hour waiting in line. And they do not give any proper answers. They are only saying it is still ongoing.
Consumer complaint received 2020-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

SENT IN A COMPLAINT ORIGINALLY ON XX/XX/2029 AND RECIEVED THIS GENERIC RESPONSE. I've sent in a request to remove inaccurate fraudulent information to all 3 credit bureaus Only two CRA that verified the information as  accurate which they did electronically, which I stated I did not want them to do, since the information will match up do to my sensitive personal data being compromised. I've called, faxed and mailed in information to support my claims but to no avail. My calls are routed to a call center outside of the USA, and they are not much help and can never locate the information I've mailed to the bureaus address. I stated over the phone and in previous letters that I am not submitted a normal dispute, I am reporting fraud, and would like the account removed. I've consulted with each furnisher in question, and they are aware, however you continue to report these accounts, no other bureaus do.
Consumer complaint received 2020-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed, a dispute with XXXX  about XXXX reporting inaccuracy monthly amount, that was owed and XXXX  removed it completely. I have, now paid XXXX off completely in which that was supposed to increase my score however it went down because XXXX  removed it from my report.
Consumer complaint received 2020-09-26
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. (IL)

I filed, a dispute with XXXX  about XXXX reporting inaccuracy monthly amount, that was owed and XXXX  removed it completely. I have, now paid XXXX off completely in which that was supposed to increase my score however it went down because XXXX  removed it from my report.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain 3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status.

4 if any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of YOUR STATE, including your Third-Party Debt Collection Bond 6 Also send proof that you sent the legally required notices Followed by reporting this alleged debt to any consumer icies, including copies of the original notice and Any letter tracking your firm maintains. FTC XXXX XXXX XXXX makes clear that it debt parking without # dproperthin hanking of XXXX sihanchalfreedonights.
Consumer complaint received 2020-10-03
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: EQUIFAX, INC. (GA)

In or about XX/XX/2020, I disputed XXXX XXXX XXXX  XXXX ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX XXXX XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This was a car load with XXXX XXXX XXXX in XXXX XXXX XXXX account number ( XXXX ) XXXX The original amount of this account was {$27000.00} it was open XX/XX/XXXX and my last Paymen was in XX/XX/XXXX after I made the last payment the rep congrats me and told me you will get your tittle after couple of days they start calling me that I owe {$300.00} and is late I come in and paid it off but my issues is I was impacted with Covid I lost everything I was struggle to feed my family they even give me a break on the payments thats how I gat into the two late payments which I keep call them about I was told they put it in the system already is not going to be count against me the other once I lost my job but still manage to make the payments all the is with a 30 days grace period this is really counting against me since now am trying to put my family in a home
Consumer complaint received 2020-08-05
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. (LA)

I sent letters to the company XXXX XXXX and the bearus asking them to verify this debt with the original contract I did not recieve that information I sent a letter to XXXX XXXX on XX/XX/XXXX and the Credit Bearu on XX/XX/XXXX and they sent me a bill back.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

I have a chase sapphire reserve credit card since XX/XX/2020 with annual membership fee of {$550.00}. In XX/XX/2020 chase put out a press released that any one getting a fees charged between XX/XX/XXXX to XX/XX/2020 will get {$100.00} fee refund as members are not able to use travel benefits due to covid. I got fee charged on XXXX but havent got {$100.00} refund. I spoke to customer service and supervisor and they both refused to issue the credit because as per them Im not impacted by covid and voluntary signed up for sapphire this year. But in XXXX when I signed up there was no pandemic situation so I believe its unfair to not refund {$100.00} as Im also not able to use benefits of reserve.
Consumer complaint received 2020-10-03
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: CONTRACT CALLERS INC (GA)

In or about XX/XX/2020, I disputed Contract Callers ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to Contract Callers requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.
Consumer complaint received 2020-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I received a phone call from a woman who said she works for Portfolio Recovery Services. She identified me by my name and birth date and stated she was attempting to collect a debt. I informed her that I don't have any outstanding debts and that I was immediately disputing whatever the company thinks is owed. The woman then went on a long monologue about how items can affect my credit, etc. and asked me again if I was disputing the debt, to which I said, " Yes, I'm disputing this! '' I told her again that I don't owe any companies any money and that I have no outstanding collections. 

I then asked her what debt it is that they claim I owe, and the woman said it was for an account at XXXX XXXX. I informed her that I have never had any type of credit card or store credit from XXXX XXXX. I then asked her when the debt was supposedly charged and she said XXXX! After this statement I said " You've got to be kidding me! '' and I disconnected the call. 

The woman called me from XXXX at XXXX XXXX EST on XX/XX/XXXX.
Consumer complaint received 2023-05-08
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX, XXXX XXXX Name : XXXX XXXX XXXX Act Name : XXXX  XXXX, Act Name : XXXX XXXX, Act Name : XXXXXXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received the official XX/XX/XXXX denial letter of claim XXXX and the evidence provided by BofA is false. I have never transacted business with a XXXX XXXX nor did I authorize the transaction on XX/XX/XXXX. Furthermore ; the IP address provided is not my IP Address. I have done my own research and the device info used to make these purchases DOES NOT belong to me ; it is not my devices serial number or IMEI number. I do not have an XXXX account and all other purchases from this account, on both my BofA credit card and XXXX by XXXX XXXX credit card, were determined fraudulent. I have documented proof of an email I sent in XXXX to built by bees making them aware of this fraudulent purchases. They responded on XXXX stating they would correct this fraudulent purchase and refund me. 

I will be notifying the FDIC, CFPB & the FEDERAL RESERVE of this falsehood.
Consumer complaint received 2020-09-26
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: AMERICAN EXPRESS COMPANY (PA)

American Express was receiving monthly payments from my credit counseling company. After two missed payments, American Express prematurely place my account in collections without giving me enough time to reply. Placing my account in collection was for write off purposes, solely for tax benefit of the company. American Express did not follow the normal protocol when placing my account as a charge-off.
Consumer complaint received 2020-09-26
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: Experian Information Solutions Inc. (IL)

I filed, a dispute with Experian about XXXX reporting inaccuracy monthly amount, that was owed and Experian removed it completely. I have, now paid XXXX off completely in which that was supposed to increase my score however it went down because Experian removed it from my report.
Consumer complaint received 2023-03-28
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. (TX)

The following accounts are INVALID and must be REMOVED from my credit report 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 ; These accounts are showing invalid information on my credit report. If you review the type of account, the date of last reporting, the legend of showing its CO on experian but NOT reporting on XXXX or XXXX, and is outdated. The account has different addresses in which I have NEVER lived. According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have NO respect for the law Someone needs to hold them accountable for this The credit bureaus keep them disrespecting laws. I showed them multiple times of how they are violating laws are violating the fair credit reporting act. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete the accounts that are NOT reporting correctly According to 15 USC 1681b ( 1 ) the credit bureaus dont have NO written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish information regarding the information relating to a consumer reporting agency if -- - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is in fact inaccurate I can go on and on about this Someone needs to hold them accountable for this.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (WV)

I financed a vehicle through Credit Acceptance on XX/XX/XXXX. The vehicle was a lemon. Within a year, I had to have the alternator changed 3 times. The alternator went bad again in XXXX of XXXX and the car would not run. The vehicle was towed to XXXX XXXXXXXX  XXXX and Credit Acceptance was called and asked to come and get the vehicle. In XXXX of XXXX, there had been no response from Credit Acceptance. XXXX 'XXXX   Garage went to the XXXX to obtain a salvage title and therefore the XXXX sent certified letters to myself and to Credit Acceptance. Credit Acceptance did not respond and XXXX XXXX XXXX was granted the salvage title. Credit Acceptance removed the debt from my credit report but is now reporting the loan as open when in fact it has been five years since the salvaged title was granted. Credit Acceptance failed to secure the vehicle from the voluntary repossession and this is on record with the XXXX XXXX. The loan needs to be removed from my credit and closed.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

So I called in to get my XXXX taken care of. This account ends in XXXX. I had lost the XXXX card somewhere in my house and for some reason that account was restricted. Granted for no reason. I still do not understand how you can restrict one account and not all three of the accounts that I have with you. Anyways, as I am calling to get this account taken care of and reactivated with a new card sent out to my house the Customer Service rep canceled the wrong card. The account that was canceled was the platinum card account ending in XXXX. 
I am currently traveling and am a couple of states away from my home in Arkansas. And I have been lied to severaltimes by severalpeople and departments in regards to this matter and its resolution. A card was supposed to be overnight to me at my location in Colorado. And when I called in today I had found that the card had not even been shipped out yet. So I am stuck in this state more days than I had anticipated because I was using the card that got cancelled. This whole situation has been filled with people lying to me and transferring me to other individuals so they can lie to me and set false expectations. I am ready to Cancel every single account I have with Capital One because of the trouble this has caused. It was not just a minor conveniencebecause I was using the platinumcard to travel on. It has put me in an extremely hard position because I was relying on the money. So I would like to talk to someone about who is going to actually be held accountable for this mix up. If not then I am going to cancel all of my accounts including the Auto Loan and get a Jag Lawyer to take this to court because of the trouble it has caused. I usually don't complain and you guys have been extremely good to me so far but this situation in itself can not be overlooked and I am tired of talking and being transferred to different managers just to be told that they can't do anything and get lied to again. Everyone of your conversations is supposed to be recorded so I want the recording to be brought up and I want individuals to be held accountable for their half truths and falsehoodsand false expectationsthat were set. 
You guys have put me into an extremely hard situation due to a Customer service representative'smistake.
Consumer complaint received 2020-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Due to Covid19 shut down I am collecting unemployment. In California all EDD monies are received via a XXXX  XXXX XXXX debit card. To pay Capitol One auto loan using funds provided via Calif EDD I must pay an additional fee of {$7.00} to an outside service to process my payment. Capitol One has refused to allow me to add this debit card to my account on their online payment system. I am not aposed to reimbursing CAPITOL one any fee charged by XXXX  XXXX XXXX but feel the current process and its restrictions on payment methods is unfairly costing the unemployed high fees to use the government provided source of funds provided by the state of California.
Consumer complaint received 2020-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Dates : XXXX, 2020 Amounts : {$2500.00} I was trying to purchase a GRE test tutor service. They said I need to make a deposit. But after the deposit, the person told me that instead of giving me the tutoring I agreed on, they will test it for me. This is not what we agreed on and it is illegal to do that, which will jeopardize my Visa status. So I want to get a refund for my deposit. But then they said it is non-refundable, and disappear. 

I contacted customer service. The first customer service recommended me to report fraud. The second customer service told me it is not fraud and I should change it to dispute with scam and today I just got the email -- they denied my dispute. Either case, I should not be responsible. 

I will call the police if this is not solved properly. If necessary I will file a lawsuit.