davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am not accepting Capital Ones answer on my complaint. That they did indeed on XX/XX/2022 do a charge back on XXXX XXXXXXXX XXXX for amount of XXXX for a cell phone plan I had purchased online threw the XXXX XXXX  website on XX/XX/2022. Capital One claimed unauthorized purchase and took back XXXX causing my cell phone to be shut off. At no time during my talks with Capital one was there any mention of declined transaction for XXXX. There was fraudulent charges for the businesses they said for XXXX dollars and XXXX dollars. Capital one stole money that didn't not belong to them. I will this time be getting all the info XXXX XXXX XXXX  has that will prove that Capital one did illegally take money and I will prove it. I've been told by 3 separate supervisor 's at XXXX XXXX that Capital one did exactly what I'm claiming they did. And Capital one knows they did it but they figure they'll keep lying about it and I'll just go away but there wrong. I want the same consequences as last complaint but now I want XXXX reimbursement for my time and all the struggles it putme threw
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

In accordance with the Fair Credit Reporting Act. 
15 USC 1681i ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the list of accounts below : Acct Name : XXXX Acct Number : XXXX
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

paypal suddenly hold my money. they did it before but i already answered and complied with all their questions and needed documents but they did it again! once again i answered all their questions and attach legal document like my bank statement but i still didn't get response
Consumer complaint received 2022-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC ()

I was in forbearance during COVID and the lender ( Rushmore ) was not cooperative as I tried to resume monthly payments. CFPB helped me get Rushmore to offer loan modification documents so that I could make regular monthly payments rather than pay the money due from forbearance all at once. 


I signed the modification documents digitally and had them notarized and returned them in XXXX ( see attached ). I sent the first payment ( XX/XX/XXXX ), which Rushmore accepted. In XXXX then received paperwork indicating that I had not returned the loan modification documents, so I emailed. I did not initially hear back but eventually they stated ( see attached email ) : " We have completed our review and it appears that we received the XXXX XXXX documents, however it appears that the documents do not have a wet-ink signature and HUD will not accept these documents. Unfortunately we were not able to complete the loan modification. Your loan is also scheduled to be serviced released by XX/XX/XXXX to XXXX XXXX, XXXX. '' However, the loan modification documents say : " XXXX. Governing Law ; Severability. This XXXX XXXX shall be governed by Federal law and the law of the jurisdiction in which the Property is located. '' The property is in Virginia. Virginia law allows for digital signatures, see : https : XXXX Accordingly, I do not believe Rushmore had any grounds on which to not process my loan modification docs. The plain language of the document does not say anything about signatures. It does specify that Virginia law applies and Virginia law allows digital signatures and e-notaries. 

I just want to resume my monthly payments and they are making this as difficult as possible. I have done everything they asked and they just don't seem to hold up their end of things. I believe I complied with the loan modification docs and that it's a binding agreement now that I have accepted the offer and that they can not unilaterally fail to process it. I am worried I will lose my house. Please help.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my 5th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

# XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX, # XXXXXXXX XXXX, # XXXX XXXX XXXXXXXX & XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX XXXX has XXXX my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

I signed up for an Amazon credit card serviced by Synchrony Bank many years ago. 

At the time of application, Synchrony Bank, without any clear indication signs up the customers for a substantial amount of " monthly protection fee '' which is listed as " XXXX XXXX XXXX XXXX XXXX XXXX '' on the statement for the amount of {$74.00}. If you accept to apply for the card, you're automatically signed up for this service. This is extremely misleading and no other financial institution forces such devious optional service. 

I called Synchrony Bank last year, and they credited only 8 months of fees, and I still have nearly 3 years of fees that have not been returned. Furthermore, I have called and left multiple messages requesting a call back from a " supervisor or a manager '', but there have been no callbacks. I only received a letter from them stating that fees can't be reversed. Additionally, I provided the bank with my current address at the time of the application, however, the bank automatically associated an incorrect address to my application, leading to all mail going to an incorrect address. 

All charges arising from my personal use of the card have been paid off. My only remaining balance is the sum of all these fees that have been charged to my account. 
My remaining balance as of XXXX is {$3000.00}. I would like to mention that the company has been charging me interest monthly for all these " unpaid '' fees.
Consumer complaint received 2021-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (NY)

I applied for a personal loan for {$3500.00} to consolidate credit card debt. I just received an email stating that I was approved and to go in and sign the loan and then the declined me and I had multiple hits to my credit from them. How can I be approved and have an email saying that and then they change and decline it?
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Two years ago I was getting unemployment under the same account number ending in XXXX.I really don't know what account that could be besides Bank of America XXXX I WAS WITH THEM UNTIL THE ENDING YEAR OF XXXX.WELL XXXX  UNEMPLOYMENT STATED THAT THEY SENT FUNDS TO MY account I'm more curious to find out who have my FUNDS where did it go.If I owe Bank of America money and my account closes would they still be able to keep my money or sent it back to the sender like the unemployment office and then they senf my money through the mail with a check or XXXX XXXX XXXX.I have received any of the money from them I just change my account last week to the XXXX XXXX  XXXXIm just more curious to see where the funds went to stating they sent to me of last year of XXXX through XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is my 5th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (CA)

The car I was buying was only worth at the most {$6000.00} in the shape it was in probably more like XXXX. They knowingly acted in violation of the California usury law title 15 when they charged me 28 % APR. At the end of 4 years without an option to refinance or even an offer by the company I will have paid well over XXXX to XXXX for a XXXX or {$5000.00} car. They repossessed the car at 72 days late instead of the normal 90 days. They committed a crime in order to scan me for money using an outrageous APR I would like to see every cent that I put into that car that they pretty much stole back for me put back in my pocket and I would like to see those XXXX go to XXXX
Consumer complaint received 2021-06-29
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (IL)

Citbibank cut my credit limit in half, I have had zero lates with them or any other creditor listed in my credit report. There was no reason for this and one credit card impacted my entire credit report. I heard that Citbank finds older people who could be in or approaching retirement age and cuts their credit limit. I feel that I have been discriminated against because of my age. Ask them if they engage an algorythem that searches out this situation. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX Citi account number XXXX XXXX XXXX XXXX last four of my social is XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit reporting act XXXX Account. XXXX  XXXX and XXXX XXXX XXXX XXXX, has violated my rights. They are showing past due payments. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose.
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (AZ)

XXXX/XXXX filed dispute of loan XXXX report signed by local XXXX and sent to company No communication XX/XX/XXXX turned over to true accord collections XX/XX/XXXX noticed collection company this was already disputed sent in the required information to the company they sent it back to XXXX XXXX No communication XX/XX/XXXX received email regarding the collection resubmitted all of the information and Tru Accord collection sent it back to XXXX XXXX XXXX XXXX received email from XXXX XXXX XXXX all the docs I had sent over the year needs to be notarized emailed company back with questions no response XX/XX/XXXX received notice of collection with True Accord disputed again
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have NEVER made a cash advance on a credit- of any kind. We received several {$10.00} cash advance charges on my and my wife 's credit cards with Capital One. 

When I called Capital One, I reported these as fraud, as I KNOW I have never taken a cash advance - ever. And all the charges came from random retailers without names - NO information and NO information from Capital One after their fraud investigation either. 

Our cards were replaced with new cards upon the fraud reporting. 
Our charges and cash advance charges were also taken off during the fraud investigation. 
Post investigation - ALL charges and fees were put back on our accounts. 

I then proceeded to call the fraud department to reject their finding, but instead, I was talked down to, and there was no discussion or explanation to be had per the following The fraud department concluded that my card chip was used and that this was my problem. Capital One tells me that a retailer can process a charge, a normal credit card payment, or a cash advance payment as they wish. How is this legal without my know ; leshor authorization??? But apparently, according to Capital One fraud department manager - XXXX # XXXX. and she kept insisting that I may have been making some kind of cash payment, - a completely ludacris statement as AGAIN, I have never made a @ Capital One - a chas advance - EVER. Then XXXX # XXXX @ Capital One proceeded to tell me that she saw that I may have taken out XXXX euros at a bank or somewhere. WHY IN THE WORLD would I take a cash advance in a bank or a store??? Why would i do that??? XXXX # XXXX @ Capital One could not produce one retailer name from all the cash advance shares on my and my wifes accounts. If Then XXXX # XXXX @ Capital One can not tell that very simple information, how could they do a fraud investigation when they dont even know who the retailer is???? Something is VERY VERY wrong here and I am taking the burden of illegal cash advance charges of {$10.00} per event. This fraud by Capital One and whatever agreement they have with these retailers that dont even have a name???? How does Capital One pay these retailers without names??? 

I have never experienced this with any other credit card. 

I have never experienced such despicable customer service and their lack of interest in understanding an obvious scenario of fraud - but unfortunately, the fraud is not only the merchant but Capital One themselves - disgusting.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (KY)

My name is XXXX XXXX XXXX and I purchased XXXX money orders ( $ XXXX ) from a Western Union kiosk in XXXX or XX/XX/2023 however during transport to my house, I lost the envelope containing the money order and receipt. I returned to the kiosk where they provided me the order numbers I then contacted Western Union customer service via email requesting that they utilize the order numbers to investigate and refund the money orders. They said it takes 6 weeks to process but despite attempts to follow up, there has been nothing done to recoup my money. I've tried calling customer service but their automated systems say the customer service can not assist and directed me to refer to their email but still nothing has been done.
Consumer complaint received 2021-07-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

During my Re-finance loan process, I was told that my employer provided Long-Term Disability ( LTD ) benefits are not allowed as verifiable income, unless the company providing the LTD benefits, writes a letter showing the source, amount, frequency, continuance and receipt of the payments. [ email Wells Fargo employee of XX/XX/XXXX ] I provided Wells Fargo with an award letter from my LTD Company, dated XXXX, XXXX, showing the dollar amount, the frequency and that I would receive the payments ; I offered XXXX 's from XXXX as proof of continuing income. That was not acceptable. 

XXXX XXXX email clearly documents AND demonstrates - Wells Fargo is imposing additional documentation requirements from me ; which is discriminatory.
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have a fraud alert on my credit profile because of a lost wallet I applied for a Kohl 's Credit increase some time during XXXX. I didn't get a response online and I had forgotten. 
XX/XX/XXXX XXXX XXXX XXXX  incoming call from XXXX stating to be with Kohl 's Credit. 

I hung up. I logged into my Kohl 's Credit account and spoke with a chat representative that stated it was them calling regarding a credit limit increase request. I said that I will not verify information over the phone on an incoming call and would reply to a letter where I CALL THEM. 

XX/XX/XXXX ( I called XXXX XXXX XXXX replied to letter that arrived to provide them with more information, but instead the representative told me that I had declined to pursue the increase request and that they closed it as denied. I said that no such thing happened and that my receiving calls from unknown numbers requesting personal information was very uncouth and that it's not going to happen unless I am provided a more secure method. 

That evening I reapplied for the increase online that said it's declined. 

XX/XX/800 XXXX XXXX XXXX I received another call from Kohl 's, asking if I still wanted to qualify for a credit limit increase. I said yes and they told me that there was a fraud alert and I need to verify some information. I did my name, address, and they wanted my DOB and last 4 SSN. I SAID NO. This is exactly what I said last time we will not be verifying my information with strange numbers, especially when I just posted about this issue publicly online yesterday.
Consumer complaint received 2021-04-20
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)

My credit file is still reporting inaccurate and erroneous information. I contacted all 3 major bureaus to remove the disputed account and its still reporting.
Consumer complaint received 2020-06-12
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: TD BANK US HOLDING COMPANY (CA)

I had my wallet taken and filed a police report. I did not know how to dispute information the right way. I finally received correct information and sent it to all three credit bureaus and all creditors. And it still remains on my file. They will not remove incorrect addresses and incorrect variations of names. This person or persons have been ruining my name for over 15 yrs I pay my bills and they go out and continue to apply and receive goods not authorized by me. I had my taxes taken every year and had to go to child support and get a refund judge gave judicial clearance because he put a warrant out she got sec 8 and all and I can not get my credit in order. They need to remove the items that do kit belong to me.