davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My complaint is with Capitol One. I opened an account in XX/XX/XXXX credit line agreement for {$300.00} with a promise. My first initial payment was {$25.00} with promise to increase my credit limit to {$500.00} after 6 payments. I dispute how my account was handled. I was assigned 3 accounts XXXX, # XXXX and XXXX.because of a computer breech.

I finally received a final bill showing a balance amount not due. I requested an investigation on these accounts before an Attorney XXXX XXXX. He advise me to complete an application for XXXX XXXX before XX/XX/XXXX. I am still receiving bill statement with the incorrect balance amount. Capitol One has not transferred any payments made by myself to the new balance account transfer without explanation from two accounts ending XXXX and XXXX. No current purchases since XX/XX/XXXX. Account closed at the customer request. No consideration to provide me with Consumer protection.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

i am in the process of cleaning up my credit. i was informed that all that is required on a credit report is up to date information, address, telephone, loans, ect. After receiving all 3 credit reports, I saw adresses, phone numbers, and things from more then 10 years ago, some of these things i have no idea of. never lived there or had that phone number. also inconsistencies with writing my name wrong, reporting different account info and all kinds of crazyness. 
i sent each company a letter with a copy of the report pointing out these inconsistencies and out dated information. by law they are supposed to remove this off my report. its been over 30 days and the only thing i got was the same exact report with the same stuff on it saying heres the report you requested. an obvious stall tactic. i did not order a report i already hed one review and was trying to dispute it
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (FL)

This amount was for bail and the person went back to jail so the bond should not have been called. There was not skipping of bail. The person the bond was written on did appear in court as per the agreement. Beyond that, it was not clear to me that I ever signed any of their paperwork as I live in another state and was not involved in the transaction. They claim to have my signature but I do not know how they would have gotten that. I tried to work with them but it is my feeling that bail bondsmen feel as they answer to no higher authority and could do whatever they please. The original amount of this debt was around $ XXXX and now they are adding interest at a completely undisclosed and unknown rate and date of inception and means of calculation. The whole thing is unnerving. No one ever has the same answer and no one knows what anyone else is doing there.
Consumer complaint received 2020-06-09
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: EQUIFAX, INC. (CA)

I was the victim of identity theft in XXXX and XXXX of 2020. Someone opened up XXXX accounts and tried to open up XXXX XXXX and XXXX accounts in my name. These issues impacted my XXXX  and Equifax credit reports and scores. I was able to get a police report and get the issues resolved with XXXX  but Equifax has been completely inept. I have called them on 15+ occasions and been told via phone that my inquiry would be removed only to find out a week later when I updated my credit report that my inquiry didn't fall off. I have written documentation from them on two occasions confirming that they had removed the inquiries but my credit report still shows them on my credit report. I have submitted police reports to support my claim, XXXX has submitted evidence that it was fraudulent, and I have called on multiple occasions with no success. 
Please assist as I have spent days working through with Equifax and had no success.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: STERLING JEWELERS, INC. (KS)

On XX/XX/2019- I was at Kay Jewelers inside of XXXX XXXX XXXX in XXXX XXXX , Kansas . When I was in the store we were shopping for products. The sales lady was trying her best to get us to purchase a ring. When we were seated at the counter she asked started talking about their store credit card. As she was talking to us she suggested we see how much credit we might be able to get. After asking a bunch of questions she stated that since it was a 1 day only event that if we wanted to keep the ring we had chosen that we could just buy it to hold it and then if we didn't it then we could return it. At this point I stated that I was still unsure about the pricing {$3000.00}. She then told me that it wouldn't be an issue since she had already opened a card in my name. At no point had I ever seen any credit disclosures, or signed anything that said it was okay to open a card. All of the information she was asking for had been typed in on a screen that I was never shown and never got to sign. Then they put the ring on our account to hold it, which resulted in my account being charged the full amount of {$3000.00}, but never asked me which of their financing options that I would like to use. As a result they charged me interest, {$5.00}, on an item that I went back and cancelled the order a couple of days ( XX/XX/2019 ) later because of the way they had acted. I was unaware of the interest charge until XX/XX/2019 and they also charged me a late fee, another {$5.00} because I had not paid the interest charge on something that I had thought to be cancelled.
Consumer complaint received 2020-06-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a response to a dispute regarding a reinserted judgment, that I made under FCRA 611 ( a ) ( 1 ) regarding an erroneous item on my credit report involving a Chapter XXXX Bankruptcy. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. In a letter provided to me by your company it states the information has been verified by the company your obtained the information from. That company XXXX XXXX has sent me a letter ( Attached ) stating this item has now been removed. If they have done their due diligence in correcting this erroneous record how is it you all are stating it is verified?
Consumer complaint received 2020-06-09
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: BMO Bank, N.A. (IL)

credit report pulled without my authority online and without my knowledge. I would like proof of my signature that i gave permission to pull my credit report or have it removed asap. 

I XXXX XXXX XXXX do have a hard inquiry on my credit from XXXX of bmo harris bank thait is fraud that I did NOT authorize by any manner. I have talked to the bank on 3 occasions and they have not removed it. I do not and have never had acct with this company by any means. this is a fraud attempt that they refuse to contact the credit reporting agency to have it removed. XXXX XXXX will not remove without bmo harris bank stating to remove the inquiry dated XX/XX/2019.
Consumer complaint received 2019-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NE)

I was under the impression I was paying for a new rental unit as I was trying to move out of my current renting situation and had to pay a {$500.00} security deposit to ensure that no one else took the place that we wanted to move into. So I sent {$400.00} ( XX/XX/2019 ) because my bank would only let me access {$400.00} out of the {$1000.00} checks that my boss gave me as a loan to help me move and the next day ( XX/XX/2019 ) I sent them the remaining {$100.00} I owed for the security deposit. After that I felt secure feeling that I would be able to move into this new place come the XXXX and then on that move-in day ( XX/XX/2019 ) I sent the first month rent another {$500.00} and after that was sent there was no further communication between the " landlord '' and when we showed up to move into the new place somebody else answered the door saying that they had just moved into there the week prior and it was then that I realized I have been scammed so I immediately contacted my bank and filed claims of fraud on my account and on two different occasions sat down with them in person and went over these claims and was assured that I would get my money back but that I would have to be patient and wait for the investigation to take place through the online banking division after the 10 business days, I made a phone call to find out the status on my claims which they told me had been denied because of the terms and conditions I was only one at fault for falling for the scam and authorizing the money to be sent. I got forwarded from department to department until they finally sent to me to the case management team with a new case number to hopefully reopen investigation but upon calling today ( XX/XX/2019 ), I was forwarded to another department and left on hold for over 30 minutes until the call was dropped, so I proceeded to call a number provided by consumerfinances.gov which helped me find the numbers and steps I needed to take to hopefully get help with my crisis.
Consumer complaint received 2019-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I r

ecently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inqu

iries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpos e. According to Sec tion 60 4 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : Creditor : CAPITAL ONE Inquiry Date : XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2020-06-09
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. (FL)

Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in XXXX Bank XXXX in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with XXXX XXXX loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with XXXX Bank did not. For this reason, the property began a Foreclosure Deed in XXXX procedure. The XXXX Mortgage Bank was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including XXXX XXXX. I called them several times and they continued to send monthly Invoices regarding the XXXX XXXX XXXX and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after XXXX XXXX situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called XXXX XXXX and tried to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account XXXX and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on XXXX, Experian and XXXX XXXX and XXXX XXXX keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the XXXX XXXX  should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in XXXX XXXX   XXXX in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with charges.The First loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with XXXX Bank did not. For this reason, the property began a Foreclosure Deed in Lieu procedure. The XXXX XXXX XXXX was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including XXXX XXXX. I called them several times and they continued to send monthly Invoices regarding the XXXX XXXX   XXXX and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after XXXX XXXX situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called XXXX Bank and tried to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account Open and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on Equifax, Experian and Trans union and XXXX XXXX keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the XXXX XXXX should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION (MO)

Re-submission due to company inaction For the previous several months, I've received dozens of e-mail and postal mail notifications of " pre-qualification '' for a loan from One Mail Financial ( " OMF '' ). After checking ( apparently censored ) reviews of OMF available at XXXX XXXX ( see attached screenshot,  XXXX ), I opted to apply for the minimum loan offered by OMF, {$1500.00}. I completed the application form, and agreed to allow OMF to pull my credit report, resulting in a " hard inquiry ''. I applied and was surprised to be offered a $ XXXX " secured '' loan in lieu of the {$1500.00} installment loan I applied for. I decided to dig a little deeper into reviews of this company and found 100s of complaints of this exact behavior ( see attached image XXXX  ). The story is the same each time ; the company lures prospective borrowers with promises of easy terms, then after capturing the applicant 's data, OMF offers completely different product. Now, I don't know if this would be considered a bait & switch scheme, but it's certainly misleading, damaging to applicants, and hopefully illegal.
Consumer complaint received 2019-12-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (AL)

A rep calls everyday, reminding me of the medical debt. I let them know that I do not have it right now, they reply when you think you are going to have it. I let them know that I am unsure about the date when funds are available. They continue with we all have basis needs but I need to pay the debt right away. I explained that I am still seeking treatment for the issue and as soon as I get some money I will pay them off. The amount is {$75.00} to XXXX XXXX. I have paid {$25.00} since time of service.
Consumer complaint received 2023-06-28
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. (NM)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-06-09
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: Experian Information Solutions Inc. (TX)

I HAVE PREVIOUSLY REPORTED THIS ACCOUNT AS FRAUD/ IDENTITY THEFT. THIS ACCOUNT DOES NOT BELONG TO ME AND EXPERIAN IS THE ONLY BUREAU THAT HAS NOT REMOVED THIS ACCOUNT FROM MY CREDIT PROFILE
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I booked a flight for 3 on XX/XX/19 for XX/XX/19. I called Chase on XX/XX/19 to change two of my tickets return date. I received a confirmation email from XXXX about the changes and was provided the full itinerary. On the day of the flight, we were unable to check in due to part of the itinerary being missing in their system. We called all airlines involved and Chase to figure out the problem. Someone from chase confirmed the person that made the flight change did it incorrectly. We ended up missing the flight and having to rebook a couple days later. Chase admitted it was their fault, and only offered to refund the amount in airline credit if we decide to cancel our trip. They even tried to charge me ticket difference and change fee for rebooking but I convinced them they should pay for it. I believe I should be able to proceed with my trip and still be reimbursed for the trouble that Chase had caused on their end.