davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
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: Cascade Creditors Service, llc (OR)

On XX/XX/XXXX XXXX began reporting a medical collection that was not submitted properly to my healthcare insurer. On XX/XX/XXXX - XXXX referred it to XXXX XXXX XXXX and the debt was reaged. From that time to XX/XX/XXXX - both agency were reporting double on the same account. Seriously impairing my ability to obtain credit. I appealed via dispute several times but neither agency would act-continuing to report as verified. Finally inXX/XX/XXXX - XXXX removed the account duplication however Cascade continues to report this reaged and erroneous information. Cascade has not demostrated any relationship to the original creditor and I have had not information to verify this debt.
Consumer complaint received 2017-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

My social security number has been stolen and transfered into XXXX and XXXX, its being used alongside international telephone and area codes numbers, and international internet language translation vin numbers. We were coworkers at XXXX XXXX XXXX, location XXXX. Their names are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2017-06-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Ria Envia, LLC (CO)

Hello.my name is  XXXX   XXXX .i send it the amount of {$250.00} for my sister in my country and i was very specific with the lady whoever attemp my phone call than i want to my sister got the money in the window of the bank.but she did everything wrong.she put the money in  one account th an l never mention to her.my sister has to go two times to the bank.to try to got the money.and they told her than there is no money.available.that peace me off.because the has to waist ther time for no reason..this comp i s Ria  XXXX
Consumer complaint received 2023-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

My savings account was removed from view when I logged onto my Chase account. 
The funds are still there but I can do ( or see ) nothing online. 
Two calls and two hours of discussion with reps in the XXXX bore no fruit. A supervisor, XXXX XXXX was particularly unhelpful and dismissive. 

Chase ' insistence is that I appear at some ( unspecified ) branch and there alone can the problem Chase created be remedied. Be it known that 2 weeks ago I could see everything online. I'm told that for unknown reasons my name was stripped from the account, thus stripped from online access. Nothing else about the account changed and the foreign phone clerks say that can not re-enter the name onto the account, nor can anyone in the United States unless I make a personal appearance at some ( unspecified ) branch. 

This is unacceptable to be put out like this when the error was clearly Chase 's.
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-11-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

I months ago signed up for a service provided by experian for XXXX dollars designed to help Victums of I 'd theft and uphold the law. We all know that service should be free. Regardless I have submitted affidavits and police reports along with proof from their own third party. Reporting system and IRS affidavits that this info is inaccurate and related to 10 years of Id theft. They have been impossible to deal with and I was told by experian people in that department that experian does not fall under the same law that the other XXXX CRAs do and that any part of XXXX of the FACRA holds no weight. I have sent deletion letters from those creditors and still they scoff. Please see attached files and their responses.
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (NV)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V/ GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE AND SUCH DEBT, IN FACT EXISTS/ FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2020-02-17
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: EQUIFAX, INC. (CA)

I have over 20 failed attempts by Equifax to correct fraudulent errors on my file. I have sent FTC report and police report regarding accounts fraudulently opened using my information. I have also included proof of my identity and residence. 

In a letter dated XX/XX/2020 Equifax declined to block fraudulent information from my credit report. Stating it was doing so on the basis of Fair Credit Reporting Act Section 605B ( c ). However after close review of 605B ( c ) here are the parameters per the FCRA : ( c ) Authority to decline or rescind. 
( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( A ) You have not determined my request is an error. I have submitted my CORRECT identification information along with multiple law enforcement reports regarding the fraud. This request is absolutely valid and no such error exists. 

( B ) There have been no material misrepresentations of any kind. The facts have been implicitly stated and verified multiple times. You have been provided with all details and proof including bills and deed stating my CORRECT address and information showing proof of my residence and whereabouts. 

( C ) I have not obtained nor do I possess any goods or services in association with any of these tragic events as evidenced by my credit inquiries. You can not show direct link to my receiving any goods or services because there are none to receive. I simply want these heinous lies removed from my file. There is nothing to obtain here other than a clear name.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

Apple Card/Goldman Sachs holds payments for 10 days before applying them to your account. They receive the money from your bank, mark the transaction as complete in your account, but refuse to apply the payment to your available balance for up to 10 days. For no rhyme or reason. When you contact them about it they don't give you a sufficient reason. They say it depends on your payment, account, and bank. Then they try to push you into using their product Apple Cash in order to get your payment credited immediately. 

I have never had a credit card tell me that paying directly from my bank, especially after they've already received the money that it was a problem. 

This is an issue and the ambiguity around who they are making wait 10 days questionable. I did XXXX this issue and found people complaining about 3-5 days lag times but never 10 days like me.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Chase bank decided to restrict my bank account on XXXX, XX/XX/2022. I was never given a reason for the bank to close my account. I spoke with several chase members telling me multiple different statements, ultimately a branch manager told me that I would be able to withdraw my direct deposit which came in on Friday, XX/XX/XXXX in a few days. I went into a chase branch to withdraw them and I was told I could not withdraw them on XX/XX/XXXX. I filed a complaint with the bank and was told that I would be receiving a phone call by corporate the next day which I did not. I keep getting transferred from department to department, from different chase representative to the next one hearing different stories from everyone. I just want my money out of my checking account. Chase has continued to lie to me in person and on the phone.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

on XX/XX/XXXX i placed an order for delivery by XX/XX/XXXX XXXX on XX/XX/XXXX they advised me the shipment was delayed and would arrive on XX/XX/XXXX when i will be out of town so i canceled the order. on XX/XX/XXXX i received another e mail telling me this canceled order would be delivered on XX/XX/XXXX. i then canceled the order online again and attempted to call them after XXXX minutes they system said goodbye with me ever reaching a human. I then attempted to call citi bank which is the issuer of said card. they were at least able to give me the correct number to call. i called and canceled said card however i no longer trust wayfair to do anything correctly and believe them to be playing fast a loose with the rules
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keystone Credit Services LLC (PA)

The original debt took place on XX/XX/XXXX  ( that was the date of the last invoice that I never did receive ) The last amount owed on  XX/XX/XXXX  was {$880.00} From XX/XX/XXXX  to  XX/XX/XXXX , I received no communication with original debtor on amount owed. After almost six years I had the {$880.00} amount show up on my credit tracker as a debt in collections, by a second party, original creditor sent to collections to Keystone Collection Agency. I tried disputing the charge on  XXXX  but with no luck. Now one year after it being on my credit I received a letter stating that " for complete credit removal '' pay the amount above. The amount disclosed in the letter I received today  XX/XX/XXXX  is for {$1700.00}. In my original agreement with the first creditor does state that " Accounts over 60 days past due will be charged finance fees of 18 % per year ''. Well since he took over five years to even send a bill, the first 18 % interest charge would be due now. However, {$880.00} x 18 % = {$150.00}. I am very confused to where the difference of {$700.00} comes in. That is a very large amount of money to try and get payment for with no source of to why it is owed. I am attaching my original debtors invoice, along with the letter I received today.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX reporting as inquiries on my report. In accordance with the Fair Credit Reporting Act, A. XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX has violated 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 an account without my written instructions.
Consumer complaint received 2020-02-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Applied for mortgage in both XXXX and XXXX of 2019. 

Amount requested : {$100000.00} I am a first time home-buyer ; who submitted applications on approximately five different occasions. The stated applications were inadvertently cancelled by the bank, and my final application was denied. This process took over one year and has caused me to lose time, the sale price that I had negotiated for the home that I was interested in purchasing, and two grants that I was approved for.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In my XXXX report, it shows Hard Inquires that are not mine and I do not know the companies that issued it : XXXX : XX/XX/XXXX CAPITAL ONE BANK : XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (LA)

My home was completely destroyed XXXX XXXX. I received {$380000.00} in insurance claim checks from my insurance company. Because there was still a small balance on the mortgage, the checks were issued in both my name and the name of the mortgage company ( " Cardinal Financial '' ). I followed the directions on their website and endorsed the checks and overnighted same to them with a voided check ( for ACH refund ) and a letter requesting that the mortgage balance be paid and remaining funds deposited in my checking account. I was told I would receive the balance ( about {$300000.00} ) 5 days after the mortgage was paid off. When I did not receive the balance in that timeframe, I contacted the company, and was told that I had to wait 15 days from the day of payoff before they sent it, and that since I requested the mortgage be paid off, they had to send a check by mail and could not use ACH ( no one could tell me why this mattered ). Yesterday, was the 15th day. When I looked at the account online, I saw that they had in fact sent me a check, but it was for LESS THAN HALF of the balanced owed to me. I called to ask why they hadn't sent all of my money back, and I was told they would be holding the rest for yet another 15 days!!!!! No one I spoke with at the company could tell me why they were continuing to hold on to my money since the mortgage was paid off and they no longer hold any interest in my property. These large companies should NOT be able to treat people like this. They are obviously holding on to my money " because they can '', and it is to my detriment as I am attempting to purchase another house which I may lose to another buyer, because they are holding on to my money unnecessarily. PLEASE do something about this!!!!
Consumer complaint received 2020-02-17
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: EQUIFAX, INC. (AR)

This is the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX XXXX {$2600.00} XXXX XXXX {$960.00} XXXX  XXX {$18.00} XXXX XXXX XXXX {$21000.00} USDOE/XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX  XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX   XXXX {$280.00}
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian account holder. 
XX/XX/XXXX received email that my email was changed to an email that is not mine. 
Have not been able to reach a representative after multiple attempts. 
Received a credit alert through XXXX that I opened an account with a credit union in another part of the state and I did not.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One uses a system that doesn't analyze your credit score, on time payments, history, or anything else associated with a good credit report to raise your credit limit. There system is very specific and was tested vigorously. I/People don't just use increases to spend more. Some of us use it as tools to improve dependability and scores. Capital One has denied since XXXX every attempt to raise limit. Never had a negative payment, thousands in bank accounts there and some of there most prestigious cards with childish limits. There system waits for you to use all available credit and then just throws you thousands more. The system is essentially a ploy to keep the less fortunate behind and to not give those finances to those who are financially savvy and responsible. To use an exact example, in XX/XX/XXXX I opened 2 cards. One Capital One and one XXXX XXXX, they both started at XXXX. On this day the XXXX card has XXXX available and the Capital One is still at XXXX. I opened a store card a year later that started with XXXX, in 6 months its over XXXX available. One of my highest limits is XXXX. This is a known issue online and I will definitely be canceling accounts and shelving cards until forced closure. I had much more in my bank account then in available credit across 2 cards with Capital One, meaning they're making money off my money and can't even give an amount close to what's in the account.