davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On Saturday the XXXX of XXXX I had deposited 6 checks into the atm. They immediately said there was a hold on them until the XXXX of XXXX. I have never had any bounced checks or returned items through depositing business checks. I proceeded to call BANK OF AMERICA and was put on hold fairly fast. Upon returning to my call the girl had stated that all the checks were dated the XXXX which is why they were on hold. I asked to speak to a supervisor who proceeded to talk over me and have no distinct answer why this occurred. She said I would have to call back tues or wed once they had processed, I stated I could not and they would have to reach back out to me as I was already inconvenienced with them already. No calls came either day, I called Tuesday and got the same run around. Today the supervisor informed they could not speed up the deposits nor lift any holds and could not give me a direct answer or return my checks to me.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MD)

Lowes Deck Install Purchase - XX/XX/XXXX Goods delivery date - XX/XX/XXXX - actual date XX/XX/XXXX Job completion date - XX/XX/XXXX - not completed purchase price XXXX credit loan XXXX Three payments done for credit loan for services not rendered. 

I'm currently dealing with Lowes and it has been the worst interaction with a company I have ever had. I purchase a deck install in XX/XX/XXXX, still not done and its almost XXXX. Nobody I've talked to, regional reps or regular reps, can give me a schedule of when this 5x8 deck will be done. After calling and forcibly being put on the line with the sub-contractor ( who does not return my calls ), I find out that the inspection that happened two weeks prior failed. None of the reps who I talked prior to this call could provide this detail. It failed due to water being in the un-covered footer holes that needed to be inspected. Sub-contractor told me for the second time that the job will  be finished XX/XX/XXXX after telling me it would be done on XXXX. Well it's going to rain for the next 3 days, I don't see any covers on the holes, so it's going to fail inspection again. I've called up and left messages with the one rep  and two 'managing reps XX/XX/XXXX, hopefully they will get back to me. But its been five months, I have no real hope.

My first gripe with all this is that I've already taken a XXXX credit line from Lowes and I'm already paying installments on it ( x3 ), but I've yet to see anything actually be built, if this isn't credit fraud I don't know what is. And clearly if I choose not to pay for the credit line, I take the hit and XXXX  my credit score. 
My second gripe is that for months I didnt hear anything, nothing was delivered. But as soon as I asked for a new contractor or my money back, all the materials magically showed up. Now they are all just sitting here getting rained on. I live in the city, I have no fence to my back yard, its a miracle that the products/timber havent walked. And its not like Lowes will reimburse me for things that get stolen, because in their eyes, theyve delivered the product. 
This project was supposed to be done on XXXX. Its XX/XX/XXXX. 
I will proselytize to anyone and everyone about Lowes terrible business practices and horrendous customer service.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

On XX/XX/XXXX, my student loan was forgiven per XXXX and StudentAid.gov. 

Yet, XXXX still reports this account as open, in fact, on XX/XX/XXXX, XXXX reported to credit reporting agency Equifax that the account is still open. 

This is not correct information and reporting the account as open when it is not, is harming my credit score.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have Reach out to All Three Credit Bureau to remove 2 debt paid and settle. 
XXXX and XXXX have deleted this two account from Credit Report. 
The problem is Experian I have properly forward them the Documents such as Receipt Driver license social etc to their disputed address. It's been 120 days me Constantly Reaching out to them to updated my account Status but they have not Done this.
Consumer complaint received 2019-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OH)

I requested all three, free annual credit reports. I was able to receive reports from XXXX  & XXXX. 

I was unable to get Experian report although I used the same exact information to get the other two reports. 

Every time I filled in the address information, I always got a message saying ; 'address is not the same as when I requested freeze on report '. 

I have freeze 's on all three reports but Experian was the only one that refused my request. 

On the free report form, they request 'my current address ' which is the same I gave XXXX   & XXXX . When I gave the same address to Experian, it always gave me the message above. 
Even when I inserted my previous address, I was still unable to get my report.
Consumer complaint received 2019-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan restricted my checking account ( my money, NOT theirs ) twice for no reason, however, they thought it was reasonable to restrict. It happened on Wednesday, XX/XX/2018 and again on Friday, XX/XX/2018, which were very close to XXXX shopping and XXXX gathers. It had been extremely XXXX XXXX, with my XXXX XXXX. I had been struggled to save this checking account due to direct deposit, debt relief payments, mortgage payment, XXXX, and others. It had been VERY hard to make the phone calls and change the payments due to my XXXX XXXX. Also, when my checking account was restricted on Wednesday early morning, XX/XX/2018, I called JP Morgan 's Customer Service, at XXXX, however, they won't help me as well as they strongly did NOT accept the interpreting service. With XXXX   XXXX, I tried and tried and tried to explain them about my XXXX  XXXX and to desperately need their help to save my checking account, however, they stubbornly didn't accept the interpreting service. It had been EXTREMELY frustrated.
Consumer complaint received 2023-10-06
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NC)

I made the mistake of opening a new Apple Card with Goldman Sachs on XX/XX/23. But it won't process direct XXXX XXXX purchases necessitating hours wasted on the phone and chat with the Goldman Sachs customer service making all kinds or excuses that maybe the XXXX password was changed or there was a glitch with XXXXXXXX XXXX installment payment option to be able to process the purchase. So, I just closed the Apple Card on XX/XX/23 but the nightmare did not end there. I tried multiple times to pay off the entire {$3000.00} balance but the Goldman Sachs system, whether via the web or phone app just refused to let me pay off the entire balance and get over with it. So, another hour spent with Goldman Sachs customer service on the chat and the phone with more excuses that their servers are slow, or my app software is not up to date. Even their customer service agents were unable to process the payment. So here I am blocked by Goldman Sachs to pay off my Apple Card. This is the bank that had even declined XXXX XXXX XXXX XXXX 's credit card application and now I can believe why. I have spent more time with Goldman Sachs customer service on the problems of their own creation than I have with all other credit card companies combined for the decades that I have had credit cards.
Consumer complaint received 2019-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (TX)

I applied online and I was approved for {$800.00}. I have started to pay back the loan on a biweekly basis in the amount of {$140.00} I can not afford this payment. As well by the time I done I will have paid {$1400.00} for a {$800.00} loan. I think the finance charges are absurd! Please review my loan for accuracy. Also, confirm that they are licensed in the State of Texas. I want this loan voided and fees adjusted. I want the initial payments refunded.
Consumer complaint received 2019-01-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

I have started a Loan Modification in XXXX and Freedom Mortgage Keeps asking for unusual documents or they keep delaying the process. Such as they asked for my year to date breakdown of my business documents such as profit and loss and I sent that to them just as they asked and then all the sudden they wanted it broken down in month to month and that was not how they worded it on their paperwork and they had involved their attorney saying that I did not get the paperwork back to them in a timely fashion. So when they involved their attorney I told her that I send them the paperwork immediately, that I do not wait, they claim they never receive it so I have been working with her in the mix since XXXX showing her that they loose everything that I send them. Their attorney gets it and they claim not too. When they ask again and I send her a copy of the paperwork she pulls the paperwork I have sent and then in turn sends it to the underwriters. I am not sure why they will not approve our Loan modification and why they are trying their best to take our home. I have produced paperwork that they think I possibly can not produce and I get it. They recently have asked for paperwork about our food stamps card and what and where we spend our money on the card like we lie about it. So I literally had to get a listing of the places that I shop for our food and how must is spent at each and every store and what is bought at each store. This is degrading. My husband got sick 2 years ago after having a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they were told that. We have had a hard time with payments and have asked for help. This year a customer, since I run a XXXX XXXX, stole {$13000.00} from us and it put us very far behind, but they will not help us. They keep pushing us further and further behind. Like they want to put us on the street. My husband was just diagnosed with XXXX XXXX and now they want us to be put out. Freedom Mortgage is the worst company I have ever had to deal with. Please keep any other veterans from having to deal with them
Consumer complaint received 2020-02-05
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. (NV)

XXXX XXXX XXXX XXXX XXXX Card has not been updated since XX/XX/2019 this account has been paid off since XX/XX/2019 XXXX
Consumer complaint received 2019-01-06
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: Experian Information Solutions Inc. (FL)

The creidit Bureau companies have not sent verification of thr accounts and they only responded back as verified. Information has to be provided to me as the consumer and they have not. Bills do not verify nor validate a debt ; therefore the accounts listed below need to be deleted from all 3 major credit bureaus immediately. The credit Bureau companies are in strict violation of the law and I'm attempting to give them 1 last chance to comply. They have the burden of proof to prove the debts are mine and if they cant show just cause they must delete.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovis (MN)

on or around XX/XX/XXXX i applied for a mortgage, and saw 2 new inquiries on my credit report when there is only supposed to be one. one was dated XX/XX/XXXX and the second was dated XX/XX/XXXX. I want 1 of the 2 inquiries from CBCINNOVIS removed from my credit report
Consumer complaint received 2019-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I contacted chase bank XX/XX/2019 and they still have been holding my {$1000.00} cashiers check for over 3 weeks and will not release my funds to me and they have closed my account. My account was closed due to no reason and it was a business account. I need my {$1000.00} returned to me ASAP.
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (NY)

I received a {$100.00} prepaid giftcard that was stolen and {$93.00} of it was spent. I opened up a dispute to try and get the money back on my card and waited 90+ days. I called several times and was told that the funds were cleared in my favor and would be back on my card this past week. I looked at my account and there was nothing there. I called and got the same canned response saying it might take 45-60 days when it's been over 90.
Consumer complaint received 2019-01-06
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 (PA)

XXXX XXXX XXXX Mastercard issued by XXXX XXXX is not giving me my refund for an item I purchased in good faith that did not fit. 
On XX/XX/2018, I received a XXXX XXXX XXXX choker that did not fit so on XX/XX/2018 I returned it to Saks via XXXX. I placed the order online and send the item back immediately. I did not wear it, use it or abuse it. 
Saks claims the item is damaged and will not issue a refund. They are sending the item back to me. This item could have been damaged in transit during the XXXX rush or by one of their employees, but Saks chose to blame it on me and hold me liable for the amount of {$1000.00}. 
I need help resolving this. This has never happened to me in my life. I only had the item in my possession for 3 days and DID NOT USE OR WEAR IT. This is unfair and I need help resolving this issue.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I advised the company to stop calling me and place a cease and desist on my number, they have call multiple of times after that, i Also sent a debt validation letter stating they to validate the debt and all communication should be done through mail, and they are still calling harassing by phone
Consumer complaint received 2019-01-06
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: Experian Information Solutions Inc. (VA)

To Whom It Concerns, On XX/XX/2018, Experian completed an investigation that I initiated in reference to inaccurate accounts on my credit report ; please reference Experian report # XXXX. After reviewing the results of this dispute, I saw that they failed to complete a full and complete investigation as instructed by law. Had they done this investigation and not used their " E-Oscar '' automatic system, they would have easily discovered that my dispute was valid ; as a result, I now demand that they provide me with ALL information, documentation, and contact numbers, etc. that were used to conduct their investigation. As per law ( Fair Credit Reporting Act ), I have a right to demand this information and I expect their full compliance with my request.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX : XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX However, Experian sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.
Consumer complaint received 2019-01-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (GA)

Six years ago I was told by my bank ( PNC ) that it'd be in my best interest to invest in rolling over my XXXX into an IRA with them. My XXXX though I hadn't invested any money into it in 3 years it was growing good! It had grew several XXXX dollars with it just sitting. I also had company stocks. PNC charged me {$3000.00} to roll it over. I've yet to make that money back! Let alone any profit as promised! Also my stocks didn't transfer with my rollover. They said I have to write some company a letter! So why did I pay {$3000.00} cash for??? I still have to do the work?! So idk where my company stocks are! My company stocks we're from XXXX. I'm still frustrated and so very regretful of this rollover with PNC. My money was fine where it was! I rolled {$15000.00}, cost me {$3000.00}, my balance is {$14.00}, XXXX.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/XXXX Fraud/scam reported to Bank of America XXXX checking account frozen due to activity. Bank of America representative advised to open new account due to deposits that were going to be deposited into into old/frozen account, and then to call and have funds transferred to new account. This was completed. There was another deposit that was on hold to be released to new account XX/XX/XXXX @ XXXX, verified by Bank of America representative XXXX on XX/XX/XXXX the account, both old and new accounts closed by the discursion of the bank with no other explanation. I have {$1800.00} available but because Bank of America will not allow me to withdraw my funds from a branch location I now have no money available. Bank of America will not help me and I have called to resolve multiple times. I was advised I do no have a closure date but a live check with my funds will be mailed, this can take up to 8 weeks or more.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Consumer complaint received 2021-03-08
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. (LA)

TRANSUNION XXXX XXXX 2 COLLECTIONS AND 6 CHARGE OFFS! 
THE ACCOUNTS HAVE BEEN SOLD TO DEBT. COLLECTION AGENCIES. 
*THE COMPANIES AGENT REPORTING VERIFIED ACCOUNT INFORMATION WHEN DISPUTED AND CHOOSE TO KEEP THE REMARKS ON REPORT. 

XXXX-DISPUTE REQUESTED- TRANSUNION/XXXX/XXXX REQUESTING : VERIFICATION OF DEBT. REQUESTING PAYMENT HISTORY AND REMOVAL OF ACCOUNTS DUE TO INACCURATE CREDIT REPORTING REGARDING SETTLEMENTS/PAYMENTS/DELETIONS. 

2 COLLECTIONS : Opened XX/XX/XXXX, XXXX {$2100.00} Opened XX/XX/XXXX, XXXX {$2400.00} 6 DELINQUENT CHARGED OFF ACCOUNTS -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE ASSIST IN THIS URGENT MATTER.
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

There were two disputes that Square resolved in my favor. The first was on XX/XX/XXXXXXXX for the amount of XXXX The second was on XXXX XXXX XXXX in the amount of XXXX That was also resolved in my favor. Square then deactivated my account and continues to hold these funds to this day. The emailed me and said it would be 180 days before the funds would transfer back to me. As of XX/XX/XXXX, these funds still haven't been transferred. I have attempted to reach out to Square multiple times and platforms and have been ignored or told to go away.
Consumer complaint received 2022-08-27
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: OneMain Finance Corporation (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.