davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I have an issue with IRS deposit, my IRS refund was supposed to be deposited in my chase checking account XXXX but it was mistakenly deposited into somelse account at chase XXXXI have tried for XXXX good months to explain to the bank that they were supposed to reject a refund that does not belong to the account holder.Per the law chase bank was supposed to reject a refund that doesnt match with the account .Chase bank has failed to do that and has refused to refund me my money. 

During refund time many people face wrong account deposit by the rules sets for banks they had to monitor such account and reject it if possible .Chase is reliable to send me my full refund of {$5200.00} Chase has 4 days to issue a refund, otherwise I will seek personal financial injury lawsuit for financial distress this bank has caused me Chase has refused to help me
Consumer complaint received 2021-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

I am a female senior citizen living on a small amount of social security. On XX/XX/2020, I used my Capital One Credit card to pay for a facial that I was told would help me with a skin problem. The employee also offered me a face cream she said would help. I informed her again that I could only use chemical free natural products or it could make me sick. She stated that the product was all natural. I agreed to purchase it and was not told there were no returns or refunds and there were no signs saying that or anything on the receipt. 

After I used the product, I became extremely sick for two days, almost going to the hospital. When I researched the product online, I found that it did contain a chemical. That is not what I agreed to buy so it is a fraudulent transaction which I am not responsible for. The merchant refused to return my {$38.00} after I went back on XX/XX/XXXX and returned the product to the employee leaving it on the counter. The merchant did not even offer an apology for the harm it did to me and made up lies to try to blame me. I still paid for the facial on my card. 

When I filed a dispute with Capital One in XXXX, the person who took my information got it all mixed up. And the person who initially made a decision on the matter obviously did not read all of the information I sent and gave an incorrect response that made no sense. I called again and got the first person who messed the case up and now he told me I needed proof that I returned it ( even though that was already in the information ) and then it would be credited back to my account. I again supplied that information. It was not credited back to my account. 

I filed a complaint in XXXX with the XXXX XXXX XXXX against the merchant, but of course the merchant continued to lie and refused to refund my money. So I filed a complaint with XXXX  against Capital One and provided all of the information again along with the merchants statements on XXXX  which proved my case and received another denial from Capital One with yet another ridiculous statement showing the person who now reviewed my case knew nothing about it and did not read anything concerning it. 

I have been a good customer of Capital One always paying my bill on time. It is not fair for me to be mistreated by this merchant and then again by Capital One. I just want credit to my account for the {$38.00} that I paid for the fraudulent product, and any fees that I have been charged. I paid the {$12.00} balance on my account minus the {$38.00} by the due date last month XXXX XXXX ). Then I want to close my account so I do not have to deal with anything like this again. Thank you. 

Capital One Case Number - XXXX
Consumer complaint received 2022-07-07
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. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX, # XXXX DPT EDXXXX, # XXXX DPT EDXXXX, # XXXX DPT EDXXXX, # 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 a account without my written instructions
Consumer complaint received 2020-02-14
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security. 

DPT ED/XXXX  XXXX {$27000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$5800.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX  XXXX {$990.00} XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5200.00} XXXX/XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$590.00}
Consumer complaint received 2019-11-04
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. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late DEPT OF ED/XXXX   XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX  XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine PUBLIC RECORDS US BANKRUPTCY XXXX CHPT - XXXX
Consumer complaint received 2021-08-23
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: SYNCHRONY FINANCIAL (AK)

Care credit is a horrible company. 
I had a credit limit of XXXX that I had specifically requested to keep my limit under 50 % and it was decreased without notification or my knowledge. This resulted in dropping my credit score since it resulted in me having used almost the total limit. I have a XXXX coming up and was depending on this credit line. 
I had missed a few payments due to covid related hardship and had been in contact with the company multiple times working out payments and letting them know what was going on on my end. And when I called to have them help fix this they completely refused. Put me on a nonstop hold after telling me they would transfer to a manager and it would be two minutes at most. 
Im devastated they did this to me. We are all experiencing uncharted waters with covid and to have a large company thats most likely unaffected by my small to them situation is a hard blow and let me down completely.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX   XXXX not mine XXXX XXXX  XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine PUBLIC RECORDS US BANKRUPTCY XXXX CHPT XXXX XXXX
Consumer complaint received 2023-12-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

At the beginning of the Covid-19 pandemic, I was subjected to extended lock-down that reduced my pay by 50 % for the duration of the pandemic. This resulted in late payments on my car loan. I have made all payments and the account is in good standing with no late payments since the lock-down restrictions ended. 

I reached out to KIA Motor finance and requested that the late payments being reported on my credit report be adjusted to reflect paid on time as the circumstances that lead to late payments were outside of my control. The representative I spoke to from KIA said this should not be a problem, but to date all the late payments due to the pandemic are still being reported on my credit report and are severely impacting my credit score.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights. 
XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX U.S.C 1681 section 602 A., state I have the right to privacy.

15 U.S.C 1681 section 604 A section XXXX : It also state a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2017-06-02
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I checked my credit report on XXXX XXXX  and I had a total of 19 collection accounts & 4 hard inquiries removed from my report. I checked my account again on XX/XX/XXXX and I saw that all 19 collection accounts & 4 hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called XXXX several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to XXXX but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from my credit file after theyve confirmed and validated the accounts as false. Also since then, XXXX has added a recording that can be heard when calling their toll free numbers ( XXXX ) XXXX & ( XXXX ) XXXX explaining and admitting to technical issues taking place on the dates between XX/XX/XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX that affect account and inquiries being removed and added back on.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I recently got copies of my credit reports, the following are hard inquiries on my account not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK, XXXX XXXX
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/2021 I had completed a refinance application with Ally Financial mortgage department and had to pay {$550.00} to lock in on rate. I was informed that everything far as credit was in order and we would move forward in completing the application process. I was informed that the Underwriting department would have to view my documents before completing the process and was told that the Underwriting department informed that we could move forward. For over a month I was going back and forth and submitting all requested documentation. I was informed that we were approaching the close process and everything looks fine and we would move forward to finalize paperwork and complete before the expiration on the lock in date. I was told that the lock in of {$550.00} would be credited back to me. The process went on for over a month. After a month of submitting all documentation I was informed that my application was denied and my {$550.00} locking rate would not be refunded back to me and would be applied to the appraisal fee. I feel that Ally Financial has poor business practices and very deceptive and misleading information that they communicate to their customers. I feel that they have scammed me and took my {$550.00}. I
Consumer complaint received 2019-06-17
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: EQUIFAX, INC. (MO)

I did not authorize the following inquiries, nor have I applied for anything and I'm respectfully demanding that these unauthorized inquiries be removed properly and immediately. 

[ 1 ] XXXX XXXXXXXX  ( XX/XX/XXXX ) [ 2 ] XXXX XXXX ( XX/XX/XXXX ) [ 3 ] XXXX XXXX ( XX/XX/XXXX ) [ 4 ] XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

Navient put me in to forebarence and did not credit me with my payments towards my public service loan forgiveness program. They never would process me for the income driven repayment plan at first, it took forever and finally I got in the program.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Thaxton Investment Corporation (GA)

This account is over the 7 year limit and should not be listed on my credit report. When I attempted to contact this company years ago, they did not have a working telephone number. They are still fraudulently reporting this account on my report and it needs to be removed immediately.
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NJ)

I refinanced my mortgage using XXXX earlier this year. I received notice that TMS ( a part of XXXX ) would be servicing my mortgage. I set up autopay like I have for many mortgages Ive paid in the past and thought nothing of it. The first day after my payment should have been withdrawn from my bank account I checked my back and the money was still in my account. No problem at this point, maybe I screwed up. I called customer service verified the account number, setup autopay again, and paid my mortgage on time. The next month it happened again. I escalated the issue after reading other customers were having similar issues. Again paid my mortgage on time after an hour speaking with the service rep. The next month ... which triggered this complaint ... it happened again. The service rep was in complete disbelief that her system was at fault. After she read the detailed notes of the month before she realized this was a greater issue on my account since payments continued to fail to be processed. 
My compliant is twofold. 1. TMS needs to get its act together. 2. Why is there not an option for a dissatisfied customer to simply change mortgage service providers?
Consumer complaint received 2019-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

I placed an online order on XX/XX/2019 on a website for a laptop computer for the price of XXXX. This company took my funds. Did not send any type of confirmation for the order or the shipment of the order. I sent numerous emails to this company over the course of a week with not one response. I used Paypal to make this payment. Since no word from the company I got in touch with Paypal on or around XX/XX/2019 to state I did not get the product that I paid for using their service. I requested to open a case for an item I did not receive. Transaction ID was XXXX for the payment of XXXX. A case was opened on or around XX/XX/2019. Paypal then proceeded to do a review. I made several phone calls, had online chats and sent emails between XX/XX/2019-XX/XX/2019.I also contacted the USPS office in my town several times between XX/XX/XXXX and XX/XX/2019. I am attaching a copy of the document provided to me by the USPS on XX/XX/2019. Item was shipped and then delivered on XX/XX/2019,  delivered, In/At mailbox @ XXXX XXXX. USPS tracking number XXXX, a package weighing 1 ounce, this according to the USPS. This was delivered to XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX to a different person. The info was given to me by the local USPS. That office would not document this to me as they were protecting the persons privacy. I have a document from a employee with the local USPS stating the tracking number provided was delivered to a different address than mine. This was delivered to a different person, to a different address and it only weighed 1 ounce. But they still received my money for a product I never received. I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX. Paypal ruled in favor of the seller on XX/XX/2019 stating the seller provided a valid tracking number. The tracking number to their package was delivered to the wrong person at the wrong address.If you need more information, please contact me at XXXX. Thank you very much.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting you this CFPB Complaint today to have you, once again, to correct my Credit File from erroneous reporting of accounts and information. Under the Fair Credit Reporting Act, I am entitled to request from you an investigation and have the erroneous information corrected as soon as possible. I am submitting this Complaint once more to demand of you to correct my Credit file by updating or removing the following accounts from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/20XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$03.00} Also, on my previous Complaints and dispute letters, I have been requesting that you send me copies of documents resulting from your investigation and up until now, I received nothing! Your inability to prove me with my requested documents should have resulted in the correction or deletion of the disputed accounts.
Consumer complaint received 2020-11-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX  XXXX  XXXX {$92.00} XXXX  XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1500.00} XXXX  XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX XXXX {$730.00} FRAUDULENT  APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2019-11-04
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX-VISA XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX*