davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2018 I scheduled an online payment for XX/XX/2018 using Capital One 's online payment website. I received an email on XX/XX/2018 that my payment of {$7000.00} had posted. My XX/XX/XXXX and XX/XX/XXXX statements showed the payment applied to my account. 

On XX/XX/XXXX Capital One reapplied the {$7000.00} charges back onto my account with no notification. I found the problem and called Capital One several times in order to get an explanation and to seek a solution. Each time I called I was given a different reason for the charges. Twice we connected with my checking account bank to verify that I did not have the money returned. 

My XX/XX/XXXX statement includes interest in excess of {$200.00} but I never carry a balance so as to avoid interest charges. 

My checking account bank has provided me with a letter with the transaction ID of the payment and I have provided that information to Capital One as well as copies of the emails and payment history taken from Capital One 's website showing payment and confirmation number. 

On XX/XX/2018 I requested that Capital One investigate the error and I was told that they had 10 business days to reply and that the replay would be in the form of a letter.On XX/XX/2018 I called XXXX XXXX for an update and I was told that they hadn't started working on the issue and they would need an additional 10 business  days. 

Capital One 's inaction has resulted in a 59 point decrease in my credit score which before this issue was XXXX.
Consumer complaint received 2019-09-16
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. (AZ)

I've sent letters, filled out forms, and called several times to have the fraud alert removed. Experian will not remove the alert. I've contacted the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
Consumer complaint received 2024-06-05
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. (RI)

Company is reporting a collection that i had dealing with and transunion is reporting it despite my disputing this account. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. Please help remove immediately, i served in 2 wars for this country the least ya can do is make sure my accounts are being messed with adversely. Thank you
Consumer complaint received 2023-06-23
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. (NY)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-06
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. (OR)

I Have Three Fraudulent Hard Inquiries on my Equifax credit Report. I originally disputed these fraudulent hard inquiries and got a letter back from Equifax that they do not have records of those inquiries which don't exist. As of XX/XX/22 I checked my free annual credit report and noticed Equifax is still reporting these fraudulent hard inquiries, which is illegal.
Consumer complaint received 2022-02-06
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and has a current police report on file with Chex Systems. The following reported information and inquiries viewed by others listed on my Chex Systems Consumer ID Report XXXX are fraudulent and unauthorized : XXXX XXXX XXXX$27.00}, XXXX XXXX XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (OH)

I am struggling to take care of my family of XXXX I am only the one in the family economically active. working 40 housr a wek and still make around XXXX or less monthly I have a mortage loan of $ XXXX/month and an auto loan of $ XXXX/month. I have a XXXX XXXX who needs adult ' attention 24/7. also due to this pendemic my spouse looses her job. my financial agency suspended my loan pyment for a period of 6 ( 3+3 ) months which will be resumed in XX/XX/2020. but still I am financially not ready to come back in track. what could be my best possible choice to go ahead? 
Thank you in advance for your kind and constructive suggestion to comeout of his financial hardship. Hoping to hear back soon thank you.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AK)

In XXXX of XXXX I contacted XXXX and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. XXXX told me they understood and then reported the loan late to XXXX 30 days. 

In XXXX of XXXX I actually contracted XXXX and was sick for nearly 90 days. I again contacted XXXX and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to Equifax 60 days late in XXXX. To XXXX  XXXX reported the loan 30 days late in XXXX, conflicting reports. 

I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MT)

I tried to close my account with XXXX XXXX. I thought it was closed. Now they sent me another credit card. It takes 7 hours to contact anyone there. I am busy at work. Please help.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-01-02
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)

I am an Identity Theft victim, there was a fraudulent XXXX account opened for someone named " XXXX XXXX ''. My name is XXXX XXXX XXXX. I have had a problem with someone stealing mail from my mailbox. I reported this information to the report bureaus and Transunion removed the account and then a 30 days later reinserted it without any explanation or reason. I called XXXX to see had there been a Fraud investigation on this case and I was told no but the representative I talked to claimed one. This account is killing my credit and needs to be removed permanently.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-01
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

RBFCU is liable for {$260.00} on a purchase I made from XXXX XXXX on XX/XX/23. 

RBFCU erroneously investigated my dispute with XXXX XXXX and inexplicably, incompetently deemed the charge " valid ''. 

This despite the information I provided in which I said I DID NOT RECEIVE THE MERCHANDISE. How can a transaction be valid if I did not receive the merchandise, according to standard contract law? 

I told the person who recorded the dispute that : XXXX. I went to pick up the item ( cream cheese frozen ) and it had not been refrigerated at the XXXX location. I asked why they did not refrigerate the product and the XXXX representative said that " they did not have a refrigerator ''. I promptly told the XXXX representative that I did not want the product because it was spoiled because they did not refrigerate the product properly. 

XXXX. I contacted the seller XXXX 's XXXX and told them that I wanted my money back because they sent me cream cheese that had not been properly refrigerated when I went to pick it up and was as a result, spoiled. Therefore, I REFUSED THE SHIPMENT OF CREAM CHEESE AND DID NOT PICK IT UP. 

XXXX. XXXX 's XXXX said that they would talk to XXXX. I never heard back from XXXX 's XXXX and contacted RBFCU to get my money returned to my account. 

XXXX. The fault is with both the shipper ( XXXX 's XXXX ) for not telling XXXX to refrigerate the product AND with XXXX for not refrigerating the product after they received it. 

XXXX. I promptly contacted RBFCU after the holiday, to find out how the charge had been found valid and was told that there was nothing that could be done. Somehow, the person who recorded the dispute did not correctly record the important information which would make an analysis of the charge straightforward. That is : THE CUSTOMER DID NOT RECEIVE THE PRODUCT AT ALL. 

Unfortunately, RBFCU seems to have compounded the problem by somehow erroneously determining that, despite the fact the cream cheese was spoiled when I went to pick it up, through no fault of my own, and I did not in fact receive ANYTHING for my {$260.00} the charge was somehow " valid ''. 

This demand letter therefore is precursor to legal action to recover all damages from RBFCU 's egregious breach and violation of their fiduciary responsibility to protect my legitimate use of the RBFCU debit card against fraud from the vendor XXXX 's XXXX. 

Full payment in the amount of {$260.00} for the violaton is now due and payable to XXXX XXXX. 

Also, XXXX XXXX now demands that RBFCU explain the incompetent analysis of the charge, and resulting egregious erroneous error in not returning my {$260.00}.
Consumer complaint received 2019-01-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

On XX/XX/XXXX we received a statement from our mortgage company ( Freedom Mortgage ) informing us that our escrow shortage amount is {$6900.00}, which increases our monthly mortgage payment from {$2000.00} to {$2900.00} starting on XX/XX/XXXX. 

We can not believe that Freedom Mortgage could force us into this situation as this increase is something we can not prepare for with just two months notice. They have failed to manage our escrow account appropriately or accordingly. We are extremely appalled and tremendously shocked by this misstep.
Consumer complaint received 2019-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

I have a secured credit card through discover, today XX/XX/2019, I was supposed to graduate to a unsecured card, I made 6 months good payments never late, and they canceled my account. I called them up and asked why, they said they didn't know and can't help me, I feel like I'm being discriminated on my credit because I did everything I was supposed to do and the day I graduate to a better card they cancel me and don't tell me why.
Consumer complaint received 2023-06-23
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. (NJ)

15 USC 6802 Pursuant to 15 USC 6803 At the time of establishing a consumer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations. 

Pursuant to 15 USC 6802 ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the me. Your institution violated me by not giving me the right to opt out clearly and conspicuously. 

In addition, Pursuant to 15 USC 6802 ( b ) ( 1 ) ( b ) the customer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, in which you violated this law as well because I was never disclosed this at all. 

I was to be given the opportunity and explanation of how I can exercise my right for nondisclosure. 

This account is not supposed to be reporting on my consumer report this is my demand to remove this account. 

Account XXXX Account XXXX : XXXX XXXX
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Purchased a used vehicle and financed through XXXX XXXX. In XXXX the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could XXXX XXXX tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked up.
Consumer complaint received 2024-02-08
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-01-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (CA)

I canceled our service with XXXX XXXX months ago. The 2 years equipment leasing contract had expired back in XXXX of 2016. Earlier last year they were promoting an upgrade to XXXX service. All of the promotional information on tv, on our statements, or provided directly from the customer service representative stated no contracts or extensions of current contracts for the upgrade. When the tech showed up to add the connector to our existing box, he also confirmed no contracts. Going forward there was nothing reflected on our statements, as had been in the past either. Well the service was lacking and their pricing for viewing packages continued to increase. We decided to cancel, and never received our final bill. I had paperless billing which means you can only access your statements online. However, once you cancel, you can no longer access your account! it took months for a representative to finally provide me with the final bill. Much to my dismay, it showed a contract cancellation charge, which never should have been. I have tried for months to get this corrected and get my true final billing. Unfortunately it is nearly impossible to speak with someone that is not in an off-shore call center and they just repeat scripted responses! I was told finally that apparently once XXXX XXXX has your digital signature on file, they apply as they see fit! this is completely unscrupulous! There was never to be a contract for what turned out to be a joke of a XXXX upgrade! I am demanding that they provide me with the correct final bill, so I can pay.
Consumer complaint received 2019-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TN)

I opened linked savings ( account XXXX ) and checking ( XXXX ) accounts with Citi on XX/XX/2018 in response to an advertised welcome offer online that promised a {$400.00} bonus paid after transferring {$15000.00} in funds to new Citi accounts within 30 days of opening and maintaining that balance for at least 60 days. I transferred these funds on XX/XX/XXXX, and I confirmed with Citi representatives that the welcome offer was attached to my account and that I would meet the terms of the offer if I maintained this balance until at least XX/XX/XXXX, which I did. On XX/XX/XXXX, well after the time period for Citi to post the funds had expired, I contacted Citi to ask why my bonus was not paid as promised. I was told I was eligible for the offer and had met the bank 's terms, and that my claim would be escalated, with a response resolving the issue within 2 business days by email. I did immediately receive an automated email confirming the escalated claim, but I did not receive the promised email resolving my missing {$400.00}.