davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-22
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 (GA)

I had purchased a shipping container from XXXX out of California on XX/XX/2019. The shipping container was supposed to be cargo worthy, wind and water tight. The container was rusted severely and leaking water. I tried to work things out with XXXX to have them pickup and replace the container. They were not willing to do anything for me except at 100 % my expense not taking any responsibility for what they had sold me.I finally had to contact my credit card company ( Capitol One ) to file a dispute claim for selling me a container that was damaged and defective. After several attempts trying to go through the dispute process, the Capitol One sided with XXXX that sold me the container. I had even had a 40 year government certified container inspector come out and verify that the container was not cargo worthy, wind or watertight. Capitol One is supposed to protect me against fraudulent charges in accordance with Visa 's and Master Card 's own guideline section 13.3 in there own manual. Capitol One has violated my protection rights for fraudulent charges along with defective merchandise and stuck me with a {$2500.00}. rusty shipping container. I had to buy another container from another company to store my furniture in while my home renovation was in progress.
Consumer complaint received 2021-04-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

credit bureaus are siding with a corrupted fraudulent Bank, XXXX XXXX. I had a car loan that was paid on time, 60 payments. Monthly. XXXX XXXX reports car loans as well as boat loans as well as mortgages as " charge offs '' so that as a huge Corporation they would pay less taxes. And you are siding with them too. It is illegal to lie about how a car loan was paid. My var loan was never 120 days late. I was even sent a refund check of {$1600.00} in XX/XX/2020 because I overpaid the car loan and overpaid for fees I was not supposed to be charged for. I have a letter that proves that. I have payment history print outs too. They have nothing. And if they have anything it is altered. Again this is a bank that is on the news almost every week and has been for over 15 years at least. XXXX. XXXX Fraudulent. And CFPB apparently does nothing about it. Hideous.
Consumer complaint received 2023-02-10
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Experian, XXXX  and XXXX  did not follow bankruptcy law, they allowed XXXX XXXX and XXXX XXXX to re-report lateness on my report after they were in my bankruptcy and discharged, also all information was removed and placed back on my credit. All three reporting companies also list duplicates of my student loans, I have 6 student loans all in good standing, they have 12, 6 of which showing late. Even though I have great payment history for two years they continue to lower my score, then solicit money for me to buy something to help my credit, how can they control our credit and make money from companies trying to sell us something. If my score does not change, after being turned down for a home loan, I will be filling a lawsuit.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

Starting in XX/XX/2019, PayPal Credit has either through A ) incompetence, or B ) deliberate intent, been delaying the posting of my mailed in payments, causing late fees to be charged. 

My XXXX payment was apparently " lost '' by the Post Office, according to PayPal. I have never had a piece of mail " lost '' in over 30 years. I spoke to a PayPal " representative '' multiple times that month. It became obvious that I was speaking to employees of a contracted third party, and was given no option to speak to anyone in the billing department of PayPal itself. 

On XX/XX/2019, I purchased a money order from my local post office, and sent the payment through the certified option. I received the confirmation receipt that the payment had been to delivered to the P.O. Box in XXXX, XXXX on XX/XX/2019. 

My payment is due the XXXX of every month. I checked to see if my payment had been processed multiple times over the next week, and it hadn't. I called PayPal on XX/XX/XXXX to see what was going on, and was given the same run around as in XXXX. Again, I was told it was a Post Office problem. On XX/XX/XXXX, my payment still hadn't been processed. On XX/XX/XXXX, I called them again, and was given the same run around, again. 

My payment was processed on XX/XX/XXXX, a full 12 days after it had arrived at their designated P.O. Box. Another {$38.00} late fee was charged to me. 

I spoke to another " representative '' today, XXXX, XX/XX/2019, to find out why it had taken so long to process the payment, and to have the fee waived. I was informed that the fee would be waived as a " courtesy, '' I still owed the inflated payment because of the late fee, and when asked who I need to contact to speak about billing and processing of payments, that there was nobody but his department. 

This is at the very least incompetence, or at worst, deliberate fraud ( theft. ) Either that P.O. Box is not being checked until someone complains, or these payments are being " lost '' or sat on deliberately to incur late fees.
Consumer complaint received 2021-04-17
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. (AZ)

I filed a FTC report on XX/XX/2021 regarding a fraudulent account popping on my credit from the creditor XXXX XXXX. I disputed it twice with XXXX, Transunion, and XXXX. The account came off on the second attempt. On XX/XX/2021, the account was re-inserted on my credit. This is a violation of the FCRA. The account was deleted because it was considered fraudulent. and then placed back on my credit. I am happy to get my legal team together and litigate XXXX XXXX for debt collection malpractice along with XXXX, XXXX, and Transunion.
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

I've had a mortgage with Wells Fargo since XXXX on a vacation home. The payments for this mortgage were paid automatically on time by the bill payer service of my credit union XXXX XXXX XXXX XXXX ( XXXX  ) where I have been a customer for nearly 40 years. Due to technical issues between Wells Fargo and XXXX my mortgage bills stopped getting delivered to XXXX in XX/XX/XXXX. As a result my XXXX payment was late as well as my XXXX payment, resulting in late fees. I contacted XXXX and Wells and XXXX refunded the late fees and I paid the XXXX bill and late fees on XX/XX/XXXX, and XXXX bill plus late fees on XX/XX/XXXX. At this point I thought everything was resolved and XXXX had credited my account for the late fees on XX/XX/XXXX. 

However the problem between XXXX and Wells wasn't resolved with the bill payment system and my XXXX payment also wasn't made. I only discovered this in XXXX when that bill wasn't paid and I made another manual payment for the XXXX and XXXX bills on XX/XX/XXXX. However in the mean time Wells reported my account as delinquent in XXXX dropping my credit score from Excellent to Good destroying any chance to refinance my other mortgage at a reasonable rate. 

I don't believe I should be held responsible for Wells and XXXX problems. I rely on automated payments just so I don't have to worry about them, and these companies screwed that up. I would like the late payment filed with the credit reporting agencies by Wells to be removed and my credit score repaired.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I was referred to XXXX XXXX  for an XXXX  on or about XX/XX/22. I was written and called once about nonpayment. I told the agent that the VA was responsible for the debt, that authorized the service and responsibility for payment by virtue of a consult which they had on file. The agent didn't seem impressed and let me know in no uncertain terms that what I said was not the right answer, and the conversation was ended. Without attempting to verify what I said, they passed my file on to collections. Medical Data Systems the collection agency then reported me as a bad credit risk on XXXX to all credit bureaus, crashing my credit. Subsequently, I filed a dispute with the bureaus. Medical Data Systems after receiving inquiry from XXXX and the VA then doubled down on their action and informed XXXX at the VA that they do nothing to rectify the discrepancy, and that their action was justified. They continued they would not facilitate resubmitting the invoice for what I thought was personal reasons since the VA agent who sounded confused and dejected never adequately explained. I then went to XXXXXXXX XXXX  and found that the don't have a billing department, but billing is done by contractors at home. A very helpful cashier whom I will not name, put me in touch with another department that seemed equally bewildered vowed to look into the matter. However they couldn't guarantee a positive solution. I would like to know what legitimate protocols they followed in enforcing the action against me, and what I can expect as a fair and just resolution of what I consider a willful disregard for the greater good and reckless administration of power and discretion? Thank you
Consumer complaint received 2022-12-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

need a balance sheet stating payments made to charged off account and also the current balance of the account and status on company letterhead
Consumer complaint received 2021-04-17
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. (AZ)

I filed a FTC report on XX/XX/2021 regarding a fraudulent account popping on my credit from the creditor XXXX XXXX. I disputed it twice with XXXX, XXXX, and Equifax. The account came off on the second attempt. On XX/XX/2021, the account was re-inserted on my credit. This is a violation of the FCRA. The account was deleted because it was considered fraudulent. and then placed back on my credit. I am happy to get my legal team together and litigate XXXX XXXX for debt collection malpractice along with Equifax, XXXX, and XXXX.
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NV)

We were awarded {$100000.00} by the Nevada XXXX XXXX XXXX on XX/XX/, 2019, Quicken Loan advised us that they received the funds on XXXX XXXX, 2019 however the company still has not connected us regarding recast or how the {$100000.00} has been applied to our account, Quicken has not sent any letters stating that the foreclosure process has been stopped, we have emailed and called several times since XXXX XXXX, 2019 requesting to know what our new mortgage payment will be, on XX/XX/, 2019 we receive a letter in the mail from Quicken stating that our mortgage payment has not increased but has now increased to {$1900.00} from {$160000.00}, no explanation has been given as to how the money that we awarded has been applied to lower our monthly mortgage payment, we can no longer wait to hear from Quicken because we received a letter earlier stating that foreclosure proceedings will continue unless the past due amount on our loan is brought current, there is no way that we can pay {$1900.00} when we struggled to pay {$1600.00}, we keep calling and writing and Quicken keeps sending us letter about their Application for Success program, no told Quicken twice that we only want to move forward with the Nevada XXXX XXXX XXXX, our mortgage appears to now be on the dual track towards foreclosure.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-17
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: Experian Information Solutions Inc. (NY)

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

My uncle asked me if I could do him a favor and deposit his {$1000.00} income tax check which he signed but was not able to deposit into his account before going to the XXXX XXXX. On XX/XX/18, I deposited his signed check into my account at a Chase ATM. After depositing the check I went to a XXXX XXXX to send him {$300.00} which he had asked for. The following day I tried to withdraw money from a Chase ATM and got an error message. I went and spoke with a teller who said I had to call customer service. I called and they informed me that my account was frozen due to the check that was deposited. They said I had to come in with my uncle to the branch which I about a week and a half afterwards when he came back from the XXXX XXXX. At the branch they verified everything and told me that they would give me a check for the {$1000.00} which I was to give to my uncle. I then asked if I could open another account since mine was closed and they said yes and I was able to open it that same day. Days later that new account which they had opened for me was closed as well. When I called Chase they did not give me any information as to why this account was closed.
Consumer complaint received 2021-04-17
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: EQUIFAX, INC. (NY)

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Consumer complaint received 2020-02-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Second Round Limited Partnership, Austin, TX Branch (AL)

This company Second Round LP which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-02-22
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: CITIBANK, N.A. (DC)

1. A Citibank ( South Dakota ) N.A. charge off {$1300.00} FRS File number XXXX, online pin number XXXX regarding Best Buy Visa,  date of last payment : XX/XX/XXXX, charge of date : XX/XX/XXXX, date of first delinquency XX/XX/XXXX has surfaced. This account is fraudulent. There is no prior debt communication from XXXX XXXX XXXX , XXXX - XXXX   XXXX XXXX XXXX, MN, XXXX, XXXX XXXX. XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA, XXXX Date - XX/XX/XXXX Reference # XXXX Creditor name : XXXX XXXX, XXXX Creditor account : XXXX Total due : {$440.00} These 2 charges have surfaced when there is no indication of any communication by the bank of there being a default. The impact on my credit has been extreme. In XXXX my score was XXXX and currently it is at XXXX which is impossible. 

The financial harassment and actions by banking subsidiaries has reached a point where they have made it impossible to get credit that is extremely detrimental to my business as a long time resident of DC.
Consumer complaint received 2020-02-22
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: TD BANK US HOLDING COMPANY (CA)

An order was placed on an online website and I never received any item I filed a dispute and the dispute was never investigated deep enough. And the investigator took this situation personal .. she was not believing what happened.. asked me to resolve the issue myself and that since it was ordered from my IP address I was reliable .. she advised to file a police report I did and I sent all The paperwork she needed and still was not investigated. She even said the merchant was not providing her with any tracking number of proof that this item was mailed to me and I still was found reliable. I contacted the merchant and was advised I was going to get a refund and I ever heard back from them ...