davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I am writing to you to address a longstanding issue regarding my Capital One credit card account. To provide context, I have been a victim of identity theft, which has caused considerable distress and financial hardship. 

I discovered unauthorized activity on my Capital One credit card account. Upon further investigation, it became evident that I had fallen victim to identity theft, with the perpetrator racking up a substantial balance on the card. Unfortunately, by the time I became aware of the situation, the account had already been delinquent and eventually charged off. 

In response to this egregious breach, I took immediate action to rectify the situation. I froze my credit reports with all major bureaus, filed a comprehensive identity theft report, and invested in credit monitoring services, among other precautionary measures. Despite my efforts, the delinquency status of the account continued to plague my credit report, causing significant distress and hindering my financial prospects. 

Recognizing the urgency of the matter, I endeavored to dispute the erroneous charges and clear my name of any wrongdoing. Regrettably, my attempts were met with frustration and roadblocks at every turn. Despite successfully having the account removed from my credit report initially, it was later reinserted without just cause. 

In pursuit of a resolution, I engaged in extensive correspondence with both Capital One and the credit bureaus. Capital One conducted an investigation into the matter and ultimately ruled in my favor, issuing a reimbursement check and providing assurances that the erroneous entry would be expunged from my credit report. However, despite their acknowledgment of the error, the account remains stubbornly entrenched on my report. 
Conversely, when I liaise with the credit bureaus, I am met with a similar impasse. They insist that the responsibility lies with Capital One for failing to report accurate information, absolving themselves of any culpability in the matter. 

This cyclical exchange of blame has left me in a state of exasperation and financial uncertainty. I implore your intervention in resolving this protracted dispute, as it is adversely impacting my creditworthiness and overall financial well-being. 
Enclosed, please find documentation detailing the timeline of events, including dates, amounts, and actions taken by both myself and Capital One. I trust that with your assistance, we can bring about a swift and equitable resolution to this matter.
Consumer complaint received 2022-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CT)

I have student loans with XXXX But recently XXXX  sent my student loans to another server. XXXX has charge a lot of loans on me. I have over thousands of dollars in student loans and Im a low income student. I know XXXX is canceling student loans. Am I getting it canceled as well? Just a month ago they sent my student loans pro folio to another server. I couldnt understand why until now. What should I do?
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2021, and prior, I checked several websites for XXXX XXXX puppies as my family and I were searching for a puppy to have for the holidays. Finally, I inquired about a XXXX XXXX puppy from a web site XXXX. After providing my contact information, answering questions about my family, neighborhood, and interest in the puppy a XXXX XXXX phone # XXXX from XXXX XXXX Texas emailed me back and provided details about the puppy along with pictures of the puppy and the puppies parents. 

I let XXXX know I would like to proceed with purchasing the puppy. XXXX then requested I send XXXX dollars via XXXX to a XXXX XXXX at XXXX. The puppy was promised to arrive the following day XX/XX/2021. 

The following morning ( XX/XX/2021 ) XXXX XXXX reached via email and let me know he was going to arrange shipment of the puppy and I would receive the dog at my home around 6 PM. 

Later on this morning, I received an email from the supposed shipment company XXXX stating that the puppy required a crate for heat and safety if I wanted it shipped. The shipment company gave me a tracking number, three options of different crates, with different prices to rent 1,2, or 3 with a promise of refunding most of the money once the delivery and crate was returned. I picked the least expensive crate of a total of XXXX. A man named XXXX XXXX from XXXX XXXX requested I send the crate payment via XXXX to XXXX. 

Soon after, I was emailed that the crate 3 was not available and if I wanted the puppy shipped, I would have to pay an additional XXXX for the higher priced crate rental. 

At this point I realized I was being scammed. On this date XX/XX/2021, I called TD bank 3 times requesting and begging that they stop both payments to XXXX XXXX for XXXX and XXXX for XXXX. XX/XX/2021, was a Sunday and my online account showed both payments were pending. I requested TD not allow both payments to process. Each time I called, every customer service person I spoke with over the phone at TD bank said the same thing that once a payment is sent through XXXX, there is no way they can stop the payment. I was devastated. I went into a TD bank branch a few days later to speak with a bank teller and they advised me to dispute the transaction and file a police report. 
I waited until I received a letter from TD bank stating that my dispute for the amount of XXXX was denied due to an error not occurring. I then filed a police report on XX/XX/2021 at the XXXX Police Department.
Consumer complaint received 2022-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (NY)

NATIONAL CREDIT ADJUST Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX National Credit Adjusters claims that I owe {$2400.00} I did not receive any initial letter. Furthermore XXXX subsequent letters requesting validation of this alleged debt have gone without any response. The first letter was on XX/XX/2022, second letter on XX/XX/2022 All Certified mail with XXXX receipt. I Never signed or verbally agreed to any business with that company. However, somehow XXXX verified the alleged debt as accurate.
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently sent out a letter on XX/XX/2020 to Transunion to dispute some inaccuracies on my credit report asking them to remove/correct the information listed on the letter. I sent out a follow up a letter on XX/XX/2020 and still haven't received a response. To my knowledge, they are in direct violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for investigation.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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  Company Inquiries : US SM BUS ADMIN ODA 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
Consumer complaint received 2018-04-02
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. (NJ)

On XX/XX/2018 I am being hit with a hard inquiry from XXXX XXXX/XXXX   which I did not make. I never authorized any Inquiry or applied for any card. This is fraud.
Consumer complaint received 2022-01-16
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

2021 we lost my husband to XXXX he was a main financial provider I was there for XXXX little ones I have been struggling to keep everything going I was a stay at home mom I have transition to a full-time even XXXX jobs XXXX kids been having some issues with my account I always make right on my account my accounts are both now in good standing I called in to ask how I was able to put in cash into my account and to assure that all funds will be available because that amount was going to my landlord who also has been helping and understanding but made it very clear that if I did not get in this last payment that he was going to go ahead and process the 48 hours for us to get out I dont have any family here I called in I asked I explained the importance of these funds and I was instructed step-by-step to obtain a money order that is a shared funds and that if it was under {$500.00} there would be no hold because it was a money order and then I would be good to go I again reminded him of the importance of this money being available immediately I went over step-by-step with him to make sure I had the complete understanding he reassured me that yes a {$350.00} money order deposited into the account would be immediately available and there would be no reason to be put on hold a hint he reassured me several times I did use that and the amount was put on hold now I can not pay my payment arrangement when I talked to the resolution specialist she flat out told me she was declining lifting the hold because I had a charge off account which in fact I called and took care of a balance because they wouldnt let me open and account a new one without paying all the other account off so I made a payment I paid it off and got a new checking account now theyre telling me that I owe them more money Id never received anything that couldve been meals fault which ever but when I ask why did you let me open an account she said well sometimes the online doesnt tell you Ive been assured her again I talk to somebody and made the payment no answer is no explanations on how I got a new account with owing them money and it because they were been some insufficient funds in my account in the last 90 days thats why shes not releasing the hold I then proceeded to tell her it is very obvious and evident that I am having financial issues so there again I am penalized because I am having financial issues but yeah both of my accounts are in good standing so therefore I make right and I was told by a representative exactly what to do and it was wrong so Im penalized for that and refused to fix. Every person I spoke to and told the story to proceeded to try to tell me how to budget which I worked at a bank before youre specifically not supposed to give financial advice however they dont have all the facts of how and why Im in the situation that I made it has nothing to do with budgeting the information was given to me was incorrect and they refused to fix it.
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IL)

I have been trying to dispute this account since XXXX that has been reporting to my credit. Ive asked them to verify this debt as I have never had an account or done business with this company. 
They have sent me the same documents over and over without properly looking into my dispute to legally verify this debt belongs to me. The documents being sent to me are a bill that is dated XX/XX/XXXX. Ive asked for legal documentation correctly stating this is my account. They have failed to send me what Ive been requesting. A bill is not sufficient documentation to validate this debt. I ask that you remove this off my credit report immediately!
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C. section 602 A. states I have the right to privacy 15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any puropose
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 a transaction was made with my Citibank debit card for the amount of {$200.00} with XXXX XXXX. The food was defective, which caused me food poisoning. I contacted XXXX to complain about my situation ; however, there was no way for me to get in touch with a representative because the the phone call is only automated. I contacted my bank a few days later to dispute this transaction. I provided a statement to my bank. I called a few weeks later to check on the status and they told me that my dispute was cancelled. There was no explanation on why it was cancelled but they suggested that I submit another dispute. I submitted another dispute XX/XX/XXXX. A document was mailed to my home from Citibank with a questionnaire of the same questions I answer over the phone when I provided my statement. Its XX/XX/2019, over a month later and they still have not taken any action on my complaint. Representatives have provided an explanation of me not being the only customer they have and they are still looking into this matter. Ive banked with other banks and Ive never been treated this way and Ive never had a bank take over a month investigate a complaint or deposit funds into my account. Ive been a customer for a while and Ive would have never expected to have a experience like this from a largely known bank.
Consumer complaint received 2022-02-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I was offered and excepted covid forebearence relief. After 18 months i called to ask what's the next step towards repayment. I was offered to repay all at once, add additional amount to my current monthly mortgage payment or the amount owed would have to be paid in a balloon payment once my current mortgage was completed. I choose option # 3 balloon payment. 
Then they say they sent me a letter 2 weeks later saying i did not qualify for the 3 option they offered me and i accepted because i did not qualify for the deferment. I never received this letter, nor was i called and/or left a messege about such letter, nor was an email sent to my personal account ot email to my Chase app account on my phone that i use daily. So the word forbearence is the only word i have been told about since this process began and now AFTER 18 months i do not qualify for the new word im now being told DEFERMENT. Its a bait n switch type of feeling.

If i qualify for forebearance ( There's a financial reason ), so telling me 18 month later i do not qualify and pay 18 months of back payments, without telling me anytime in the 18 months period i do have to pay 18 payments in 1 payment, knowing covid killed my employment is wrong. 
Please advise
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

i was scammed a few months ago. i was contacted by someone who also fell victim to the same group saying they were in contact with a private investigator claiming they could get my money back. he had accessed my personal and bank information and bought XXXX worth of crypto without my knowledge. i had disputed it with both coinbase and my bank but coinbase still claims i owe them money.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AL)

On XX/XX/2018, I sent a dispute letter to Equifax disputing the following accounts ( XXXX, XXXX, XXXX XXXX, and XXXX/XXXX. In my dispute letter, I asked for these accounts to be validated and Equifax is continuing to report unverified information on my credit file. As of this date, the following accounts have not been validated. Equifax had ( 30 ) days to validate this information, and they have failed to do that. Also, during the dispute phase, Equifax failed to put that these accounts were being disputed. They attached a statement for the XXXX & XXXX ( 30 ) days later. The XXXX XXXX account was never listed as being disputed. 

I also went as far providing proof, and I sent documents to Equifax in my dispute that I am a victim of Identity Theft, and Equifax failed to take my claim seriously. 

The unverified items listed above remain on my credit report is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After asking for proof of these accounts, I have not been provided any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), a consumer contract with my signature on it, and under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. The law is very clear as to the Civil Liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumerand I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-02-17
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: LD Holdings Group, LLC (GA)

I have been trying to refinance my home & have been searching for the best interest rates. On XX/XX/2022, I contacted loan depot.com. I answered some questions & was told they would call me back within the hour. They never quoted me an interest rate. I Never gave them authorization to pull my credit report. And I never heard back from them. I've since called them 5 times, left messages & never received a call back. They did a hard pull on my credit which has negatively effected my credit score.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OH)

I was told by a verizon representative that with the a new verizon visa credit card i would received {$10.00} credit per eligible line if i acquired the credit card. I checked with verizon rep that my lines were eligible. I have 4 lines. Thus - should be {$40.00} credit for all lines combined. When my first bill was paid with Verizon visa - no credit. After many calls - no one can answer my questions as to why there is no credit. Plus, on XX/XX/XXXX - a verizon agent told me that I would not get a credit with a verizon visa credit card - i needed a verizon visa debit card - which they dont even issue. 
Once again verizon is promoting products they have not educated the rest of the company on and promoting dishonest product selling lending practices. 
Interesting though, their current marketing material doesnt seem to have this information anymore. So, it looks like i was lied to in order to open a card then without further communication to me they changed the rules. 
Additionally, there verizon visa credit card site is continually down. 
As of XX/XX/XXXX I have closed the card.
Consumer complaint received 2022-03-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP (MI)

The CONGRESSCOLL ( Original Creditor : XXXX XXXX XXXX ) with the account number XXXX is not complying to FCRA 's law. Furnished accounts must be reported 1005 accurate. Why is it that the balance of this account is higher than the high credit? It is completely INCORRECT. Cleary this furnisher is taking advantage from me. This matter must be addressed immediately because this is damaging my credit scores. Provide me documents showing that this account is legal and is not practicing an illegal act towards FCRA.