davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (MN)

The Credit Bureaus have failed to provide me copies of documents to serve as pproof of verification to suppport their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit 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 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 2022-08-29
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. (MN)

The Credit Bureaus have failed to provide me copies of documents to serve as pproof of verification to suppport their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit 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 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 2019-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I submitted a claim with Bank of America regarding a dispute. The claim ID is XXXX. The issue I had was originally with XXXX 's, where I purchased {$450.00} worth of window treatments that turned out to be defective. I tried to return the window treatments to the store ( as was advertised ) and then through customer service three times. Eventually I gave up a decided to dispute the charges with Bank of America. I submitted the paperwork on time, and completely, but my claim was denied. 

I tried calling the claims department three times. The first time I gave up after being on hold for about an hour. The second time I connected after 30 minutes and got hung up on, and the third time I waited 30 minutes, the person agreed that I should not have been denied, but then transferred me, where I waited for 40 more minutes before I had to leave and gave up. 


It seems that they are intentionally not staffing their claims department adequately, and I'm not sure what else to do at this point. The notice I got denying my claim was not clear at all, but I don't seem to be able to talk to anyone.
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

On XX/XX/2019 I started the process to buy me a car. At the dealer I was informed that I i had a fraud alert on my Equifax credit file that i had no knowledge of. I contacted them and i was able to get the fraud alert removed but they could not give me any information about why and who placed the alert. Equifax then mailed me a letter confirming that it was removed but informed me that a extended fraud alert was sent to XXXX  and XXXX  without my knowledge or consent
Consumer complaint received 2019-09-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

Onemain financial llc. 
They approved me for a great loan and after doing a hard pull on my credit everything still looked great. As I was filling out the forms I got a call from onemain. The representative asked millions questions and everything seemed fine until I mentioned I had a paid off motorcycle which they then decided to tell me it was a collateral loan. 
This is not what I was approved for originally and not what I wanted and they did a hard pull on my credit. This complaint is using misleading tactics to pull in people who desperately need money.
Consumer complaint received 2019-02-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TN)

I opened an account through XXXX XXXX XXXX with Synchrony Bank.  I have been paying them through XXXX bill pay. On XX/XX/19, I had my monthly payment drafted out of my account and they're saying they never received it, added a late fee and have since reported it to the credit reporting agencies. I have given them all the information they're needing and they're still calling me about it.
Consumer complaint received 2019-02-02
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: JPMORGAN CHASE & CO. (TX)

I have a chase XXXX XXXX card ( {$450.00} annual fee ) and utilized my points to book a hotel reservation ( worth ~ {$250.00} ). When I went to the hotel, they charged me for the room and billed to my credit card, even though I had paid for the entire transaction with my points, which were deducted immediately from my point balance. What makes the {$450.00} annual fee for this card somewhat tolerable is the {$300.00} annual travel credit you receive towards travel purchases as they appear on your statement ; however, this process is automated. When I was billed ( incorrectly ) for my hotel that I paid for with points, the expense was automatically accounted for in my yearly travel credit, consuming {$250.00} of the {$300.00} for which I am eligible to receive credit on travel expenses. I have now spent ~3 hours of my time on the phone with chase customer service and travel, who originally said they could reset the travel account so that I wasn't penalized for the incorrect charge ... they have yet to do so and now claim that they are not able to reset the travel credit since it is " automated. '' At the end of an additional ~1 hour phone call with them, when I asked to investigate and review the previous calls that they claim are " recorded, '' while in the process of initiating the claim, they dropped my call and have yet to call me back. I am very unimpressed with their customer service, marketing, and all around with my chase XXXX XXXX card experience.
Consumer complaint received 2017-07-01
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. (CA)

I have requested MULTIPLE TIMES for Experian to provide in righting the EXACT reason  XXXX   XXXX  from my report. I am NOT asking at this point to have it put back on. We can deal with that after I have received a written reason why it was removed.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have gotten several letters from credit cards companies 2 Bank of America, XXXX XXXX  and 7 other credit card inquiries that are fraudulent. I contacted both Bank of America and XXXX XXXX  immediately. I now noticing that Bank of America is on my credit report and that I have over 9 inquiries on my name. I was told to contact the federal trade commission. 

Thank you XXXX XXXX
Consumer complaint received 2019-02-02
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: EQUIFAX, INC. (NY)

Equifax is discriminating against my credit report! Equifax REPORT my credit card account that was PAID IN FULL. I want a American Supervisor at Equifax to look into this! XXXX XXXX  XXXX ACCT XXXX NOT REPORTING ON MY CREDIT REPORT. This is very simple report my paid off credit card on my report ASAP! Your company has defamed my reputation and is not following the law. I have sent numerous letters costing me money only to be ignored by your company because Equifax is having other countries handle Americans credit report! FIX THE ERRORS The State of the FDCPA in XXXX As we move into XXXX, the law remains a strong protection for consumers, however, at over 40 years since inception, it is showing its age. For example, the fine for violations remains the same {$1000.00} it was in XXXX. Had that amount kept up with the rate of inflation, the fine should now be over {$4000.00}.
Consumer complaint received 2019-02-02
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: Experian Information Solutions Inc. (FL)

I have an active extended feud alert and the inquiries keep appearing on my file. Please remove immediately as I've locked my file Experian : XXXX XX/XX/19 XXXX/XXXX  XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX  XXXX  XX/XX/19 XXXX XX/XX/19
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have no acct w/ cap one yet they have been calling me 2-3 x's/day for over a month. I answer they hang up SO I called 6 seperate times to remove me number yet they still call. I am on limited plan & was overcharged, I'm sorry I'm broke & XXXX & haVing to pay an extra {$20.00} may not seem like much but to me I struggle with Nicole 's & dimes. Please help
Consumer complaint received 2022-08-29
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. (MN)

I am submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Electronic payment made. Bank of America accepted payment, then, although the payment had cleared my bank ( over {$4600.00} ), BOA put a payment processing hold on it and continued to charge interest. 
Call to BOA was frustrating ; they said they would call my bank to verify funds. This was an ACH payment. If funds had not been good, it would have reversed immediately. The bank knows that. 
If the practice of placing a hold on ACH payments is not illegal, it should be. 
Since banking system involved ACH, payment initiated on the XXXX that cleared on the XXXX would be well known to the bank. Except BOA is well known for trying to rip off customers.
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I have been trying to file an unauthorized wire transfer and Chase has not allowed me to file the claim nor provide me with the paperwork to do so. I have been trying to file an unauthorized wire transfer and Chase has not allowed me to file the claim nor provide me with the paperwork to do so. They are violating every right I have as a customer and are going against their companies policies. Transaction Reference Number : XXXX Date of Transaction : XX/XX/2020 Amount of Transaction : {$31000.00}
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Counsel, Inc. (IN)

Friday, XX/XX/XXXX I am an employee at XXXX XXXX XXXX. The owners are rarely on location and can be reached by email, so i pass any phone msgs to them. 
XXXX XXXX with CCI-Credit Counsel Inc XXXX I have communicated to mr XXXX several times that owner can not be reached by phone and i am the only one answering the phones, mr XXXX calls repeadly, one call right after the next, verbally badgering and bullying me, verbally abusing me, bad mouthing my employer, while im trying to work. He is not getting his msg across, he is only interfering with me working with patients, hampering me in providing quality customer service, delaying and damaging my work progress. It has become very disturbing and mentally stressful. 

XXXX Location : XXXX he called @ six ( 6 ) times in a row, back to back between XXXX - XXXX, @ XXXX and left a nasty VM msg. XXXX @ XXXX, @ XXXX lft VM msg, @ XXXX He said to me, " How do we get paid by you people, is XXXX  there? ; he called again @ XXXX. XXXX he called @ XXXX, asking, " Why dont you people pay your bills? ", and @ XXXX ( before the clock struck,XXXX ) ( 4 ) four straight times in a row, @ XXXX ( 2 ) two times in a row. XX/XX/XXXX @ XXXX asking, " Is XXXX never there? ", @ XXXX " Why dont you people pay your bills? ". XX/XX/XXXX @ XXXX, @ XXXX ( 2 ) times in a row, and @ XXXX. 
XXXX Location : XXXX @ XXXX, @ XXXX ( 2 ) two times in a row. 
Something must be done, he can not be allowed to harass Me concerning others financial responsibilities. Thank You
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (MN)

A debit hold has been placed on my account after I Froud event however no funds where affected. My online account was secured by changing the user name and password but Simpal Bank instated on a debit hold. This was on the XXXX and I do not even have food for my family. All my funds are in that account.
Consumer complaint received 2019-02-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CIT BANK, NATIONAL ASSOCIATION (NH)

In a number of ads that I saw, CIT Bank said, quite simply, that they would pay 2.45 % interest to anyone who opened up their " Savings Builder Account '' with an initial deposit of {$100.00} a month, and then continued to make a deposit of at least {$100.00} a month thereafter. 

Let me stress the word " MONTH '' ; nowhere in any of the ads that I've seen ( and I copied three different ones ) do they use the term " Evaluation Period. '' I made a deposit of {$100.00} on the following date : XX/XX/XXXX ( two separate deposits of {$100.00} each ) ; XX/XX/XXXX ; and XX/XX/XXXX. for a total of {$400.00} On XX/XX/XXXX, I made a deposit of {$75.00}, and on XX/XX/XXXX, I made a second deposit of {$2000.00} CIT bank claims that only {$75.00} was deposited to the account within the number of days that make up their " Evaluation period, '' and that the {$2000.00} payment THAT THEY RECEIVED DURING THE MONTH OF XX/XX/XXXX " doesn't count! '' Again. their ads -- clearly -- state " month '' ; not " Evaluation Period '' ( or any such nonsensical term ). 

Additionally, trying to " communicate '' with CIT is like pulling teeth! 

In the main. they respond to only one of the several ( or more ) issues/questions/requests that you have included in your message to them, and then just simply ignore making an effort to address the other issues that were raised ( or questions asked/requests made ). 

Additionally, while I see that their site says that it " MAY '' take up to four ( 4 ) days for an ACH transfer THAT THEY INITIATE to get credited to an account, they seem to believe that the word " MAY '' is a synonym for " ALWAYS WILL! '' I have made at least two separate requests for assistance on how I can cancel the recurring payments from my bank to this account, and the only instructions that were provided allowed me to cancel only ONE of the recurring payments ( the one that's scheduled for later this month ) ; nothing in the instructions received allowed me to cancel all of the remaining recurring payment ( two a month, through the month of XX/XX/2019 ). 

Even getting them to provide the state that granted them a charter was akin to pulling teeth. I'm left with the feeling that dealing with, say, XXXX would be easier. 

If CIT is going to say -- in at least three of their ads ( if not more ) that all a customer has to do is deposit {$100.00} a month in order to keep the advertised rate of 2.45 %, then they should not hide -- '' in the small print, '' so to speak -- that the {$100.00} payment has to be made in a single transaction ( and that two payments of {$75.00} a month -- for a monthly deposit that is 50 % higher ( {$150.00} ) than the minimum monthly deposit referred to over and over again " don't count as meeting the advertised requirement for " {$100.00} a month. '' In dealing with CIT, I get the feeling that I've run into the modern day version of that guy at the carnival of old who'd always show up with his folding table and those three walnut shells.
Consumer complaint received 2018-04-21
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: EQUIFAX, INC. (NY)

XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX XXXX collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than 3,600 dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over 1000 dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. XXXX solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX  and Equifax ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. XXXX  completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights.