davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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 accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol one is reporting late payments on my credit report and i asked to be removed the account XXXX XXXX

In accordance with the fair credit reporting act Capitol one XXXX XXXX has violated my rigths.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2. It also states 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 our purpose.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NJ)

This is going to be a long story so it all started on XXXX I would just mind my business and all that when this XXXX person username XXXX text me telling me if I want to make money just for her to make an XXXX XXXX XXXX like to XXXX XXXX at first, I was a little you know why she told me she liked my eyes and all that so I was like OK its me and I make {$XXXX} thats great you know so then now shes gon na send me a check of XXXX so that way I could pay the XXXX XXXX and all that but with her money then she send me another check of another XXXX mind you that Im already giving away the money to supposedly her XXXX XXXX XXXX which the first person even though they mightve changed their phone number Im still going to put it here also, her email was XXXX but for the first client was XXXX XXXX XXXX XXXX XXXXXXXX I sent them XXXX supposedly to pay the supplies then the next person is still active XXXX XXXX XXXX XXXX XXXX XXXXXXXX I give them XXXX then XXXX she also tried to XXXX XXXX someone XXXX XXXXXXXX XXXX thankfully XXXX XXXX declined But then, after a while, my bank started to go overdraft I was a negative for some reason I called the bank to say what happened. They told me all they just investigating some stuff everything will go back to normal that I dont have to pay anything. I called them XXXX times to make sure if everything was OK. They told me the same thing that I dont have to worry I dont have to pay anything, and now I have to pay XXXX to Wells Fargo but heres the crazy catch right I didnt just attempt to put this money in Wells Fargo, only I didnt XXXX XXXX but XXXX XXXX was smart enough to decline this check before it even entered into my account but Wells Fargo didnt they put it in my bank either way I didnt know if it was fake or real and once it rebound they were saying oh, maybe the owner of the check just canceled it or didnt have enough money, so why would you put it in my bank in the first place then you can see the money I was giving it away to their clients so another words at that point the bank couldnt do anything about it but pay back the other bank that the money came from so honestly I have nothing to do with that. Im a victim. Of all this. because XXXX XXXX  was smart enough to decline it even before it went in in it was pending and if it was fake, they said no but Fargo didnt so it seemed that everything was normal you know until it wasnt I have way more proof of everything if I could show pictures and stuff that would be great because I do not want to pay this amount of money for something I did not do appreciate the help. Thanks. Also the person block me but I took all the pictures and proof I needed
Consumer complaint received 2022-07-26
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. (FL)

I purchased a credit report monitoring family plan with Equifax on XX/XX/XXXX to which I added myself, my husband and XXXX children. Later, on XX/XX/XXXX I added an additional child to my plan. Sometime earlier this year, XXXX I was notified that I had unusual activity on my report so I logged onto My Equifax family plan to monitor my information and then noticed that NONE of my children were listed on the plan. I tried adding my XXXX minor sons and was not able to, receiving this message : " You're taking steps to help better protect your family members. Because a credit file for XXXX already exists ( which may be the result of credit activity such as an active credit card or car loan ), we'll need some documentation to verify guardianship and add your child to your account. Please call our customer care team at XXXX and get started today ''. I then immediately called the number provided and was told that in order to add my children I needed to submit documents that verified my guardianship, including a copy of my children 's SSN, Birth Certificate, my drivers ' license and a cover letter stating that I am the parent of these children, including their full name, date of birth and our mailing address. I had to MAIL this information to XXXX XXXX XXXX, XXXX, GA XXXX. I mailed it on XX/XX/XXXX with confirmation that it was received on XX/XX/XXXX. When I called my equifax plan ( on several occasions ) I was told that the documents were not received and that the correct XXXX XXXX to mail information to was XXXX XXXX XXXX, XXXX, GA XXXX. I did NOT send the documents again because of my fear that NO ONE knows what's going on in this company and that my children 's identity is being compromised even more so with me mailing things to " non existing '' XXXX XXXX XXXX. I still can not add a child to my plan for which I have been paying {$29.00} a month for since XX/XX/XXXX. Nor do I know if my children 's social security is compromised and being used.
Consumer complaint received 2018-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

See attached XXXX Police Report ( XXXX ) XXXX for Details of the Unauthorized Electronic Fund Transfer from my business checking account. The Bank of America Claim No. is XXXX-XXXX. The  Fraud Analyst has yet to talk with me or the XXXX detective in the case. They claimed they called but no message has been left on my cell phone to call back. I asked them to send all correspondence in writing they have failed to do so to date. I do not trust the internet for communications with Bank of America until this claim is processed and finalized.
Consumer complaint received 2019-09-04
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: AMERICAN EXPRESS COMPANY (KY)

On or around XX/XX/XXXX, I planned to apply for the XXXX Gold card from American Express. I wanted to apply because of the advertised introductory offer. I am unsure of the details on that offer at this time because so much time has passed and the offer I was interested in has now expired. 

When filling out the pre-application information, I got a computer-generated message that said " Based on your history with American Express Welcome offers, introductory APR offers, or the number of cards you have opened or closed you are not eligible to receive this Welcome offer '' This was surprising to me because none of the reasons seemed to apply to me. I have never done a balance transfer, I have received one introductory offer and it was years ago with the XXXX American Express that started my business with American Express, I have never opened or closed an American Express account. 

When I tried to get the specific reason I was denied, no one could tell me the specific reason, only that it was one of the above mentioned reasons and that it was computer- generated and that no further information was available. I was told I could open a dispute to assist in resolving this issue and I did. I was also sent around to several departments including Customer Service, Marketing, Apply by Phone. 

On or around XX/XX/XXXX, I checked back in on the dispute and was told it could take 4-6 weeks but they had no further information. 

On XX/XX/XXXX, I began to check on my dispute and went to Americanexpress.com and initiated the chat feature. I believe my chat representative was XXXX. He/she informed me that my disputes had been resolved and I was still not eligible for the Welcome offer. I called and spoke to several people and got more frustration. It was suggested that I check for pre-approval and apply for the XXXX American Express Platinum card, which I did. The Apply-By-Phone representative told me that he got the message that I was not eligible for the Welcome offer. At this time, I asked to escalate the issue, I was transferred to a supervisor XXXX ( I believe this was his last name ). At this time, he told me what everyone else told me. He said that I was denied for one of the aforementioned ( but could not give any specifics XXXX reasons and that there is nothing else that can be done. 

My true frustration is that I think their IT decision-making algorithm is flawed and that I am being denied the Welcome offer due to erroneous information in some system and I want to know what information they are using to deny me the Welcome offer.
Consumer complaint received 2018-11-20
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been contacting Capital One, who appear on my credit file as XXXX, Capital One, XXXX XXXX XXXX XXXX, numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. It is listed on XXXX report with dates of XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, Neither of these did i authorize or give permission. they are a result of fraud. 

The listed contant information listed on my credit reports differ, XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX ( XXXX ) XXXX, also have XXXX XXXX XXXX XXXX XXXX VA, XXXX ( MAIL ONLY ),
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIDWEST RECEIVABLE SOLUTIONS LLC (IL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

My complaint is on Citibank. 
XX/XX/2020 .I was paying my rent online and mistakenly overpaid {$3300.00} to XXXX company which I immediately canceled a few seconds after it was submitted. Called XXXX company to be certain and was given a photoshot that it certainly was. 
Called Citibank to make them aware and was told that since my pay was canceled ... it will be debited back to.me in 3 days. 
I waited 3 days. None Called Citibank again and was as asked if I want to dispute it dispute it. It's been past 3 days. 
I said yes I want to go for a dispute..was told it would take me 10 days.. it's already past 10 days today. 
XX/XX/XXXX today, and I called Citibank since the disputed amount still isnt back to my checking account.. mind you this now is half a.month ... 
I was told that i should have responded to an email from their dispute center which I havent received and was told that I had to respond back to dispute center to acknowledge that I want my issue disputed, and since I didnt, they disregarded my dispute I wasnt even told about this in my previous communication with Citibank, going forward i emailed Citibank disputes Department and was.adviced that I'll be getting a received your e.ail response. Over 12 hours has passed and I still didnt get get a response like received email by Citibank dispute Department. I checked my dispute center in mobile banking to see a record of my complaint .. none. That money is for my daughter 's tuition that I have worked hard for. Please help me get it bac k. I want Citibank to give me my hardearned money ( {$3300.00} ) back to my checking/debit account.
Consumer complaint received 2020-12-14
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: SYNCHRONY FINANCIAL (IL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019, SYNCB/PAYPAL add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2019-09-04
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC. (NY)

Date : XX/XX/19 Amount due : XXXX Navient Account Representitve : XXXX # XXXX I called in to speak with a representative to learn more about my options so I can come back to take my next steps before my deadline of XX/XX/19. The phone call immediately became hostile when I was threatened with an account closure and lawsuit if I didn't agree to the first set of terms they provided to me. 

I repeatedly asked him to not threatened me and my phone call was simply to collect information so I can get my accounting straightened out in order to make the proper payments. He also minimized and had 0 empathy towards my current financial situation to the point where I felt belittled. 
His whole agenda was to get me to agree to the 1st set of terms which I eventually did, however, I called back the next day and learned about a new set of terms which XXXX was reluctant to inform me on. XXXX withheld information from me that would have benefited my financial situation as a father of XXXX and XXXX in the XXXX XXXX who is underpaid, just to check off one of his boxes as a successful call. 

In the end, I agreed to the 2nd set of terms that another rep provided to me. I am truly disgusted with the customer service and lack of empathy and valuable information XXXX withheld. It caused me stress and fear that I couldn't feed my kids that very night because of the 1st set of terms I agreed upon. XXXX took this call very personal and was condescending during the whole call and lost all sight of his training. 

These tactics need to be reviewed and dealt with at a high level. No one should be treated this way.
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I received a wire deposit on XXXX XXXX into my Chase business account.On XXXX XXXX chase froze my funds and when i tried to log into my account it was closed.I have spent numerous hours on phone and traveling back and forth to local branch.Chase says they need to verify funds and speak to sender.I have given them all phone numbers to company and chase claims they can not verify numbers in there system to reach out to sender so i am stuck still waiting on my funds and have no solutions.I have submitted all documentation to chase bank.My business XXXX along with wire confirmation from sender along with my finance contract showing my legal name the business legal name with my social and tax payer id on all paperwork
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

Today I received an alert from XXXX after my XXXX was stolen, stating that someone had applied for a Chase credit card in my name. An inquiry was placed on my file ( s ). I did not apply for a Chase account, and request that the inquiry be removed. I have taken steps to freeze my XXXX report for now.
Consumer complaint received 2023-03-24
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. (NJ)

In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. I have two active insurances for which I pay huge amounts as premium. The so-called Collection Agency named XXXX XXXX has been threatening and intimidating and this was reported to CFPB. My insurance company sent the proof that the original creditor ( an ambulance company named XXXX XXXX XXXX  ) was paid for their service. XXXX was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. XXXX is colluding with the collection agency and XXXX action is unlawful. The collection agency repeatedly lied to CFPB on multiple occasions. 2 times I filed dispute through XXXX website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts. The proof is again attached and Collection Agency is still attempting to threaten by keeping Negative false information on my Credit Reports.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposit the total amount of {$4700.00} cash at Chase ATM, address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. However, I received the bill that I only deposit {$1700.00} and give me the number to call and check again. I find the {$6000.00} claim through that number, but the bank denied {$3000.00}. This money is my tuition fee so I need it as soon as possible. The bank still post {$1700.00} transaction on my account and ignore the {$6000.00}.
Consumer complaint received 2023-03-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fay Servicing, LLC (VA)

Violations of : TILA ; FDCPA ; RESPA ; FTC ; Illegal Deed in Trust Filed over 13 months ; Failed To Accept Right To Cancel dated XX/XX/XXXX ; Decptive Practices ; Foreclosing on Time-Barred Debt ; Filed Certificate and Affidavit of Satisfaction Deed / Note XX/XX/XXXX ; Failed to Validate per attached QWR / Error Resolution Notice Under 12 C.F.R. 1024.35.
Consumer complaint received 2018-11-20
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. (TN)

On XX/XX/XXXX I sent in my 8th dispute to Transunion. In this dispute I informed them of my address and told them to make sure that it is updated correctly. I also outlined the fact that I have contacted them 7 previous times by certified mail to remove inaccurate information and they failed to do so. I also made aware the fact that i keep good records and that i could show a judge proof of contact and that Transunion violated the Fair Credit Reporting Act by ignoring my request to update my address and remove all others and Investigate, Remove and Delete these unauthorized inquiries. A total of 19 items! Lastly I told them that if a proper investigation was not conducted that I will file a civil suit in my county for damages As in XXXX XXXX XXXX XXXX XXXX ( XXXX ), at which TransUnion may be liable for willful non-compliance. And also that failure to respond to my request within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00}. per violation for a total of {$19000.00} for 1. Defamation 2. Negligent Enable of Identity Fraud 3. Violations of the Fair Credit Reporting Act. 
So on XXXX I went to my local post office to send this dispute to Transunion by NEXT DAY MAIL with RETURN RECEIPT. However by the time I received the return receipt it was XXXX and the date that the card has stamped says XXXX. So the next day I returned to the post office to see when the dispute accurately arrived. To my surprise when they pulled the tracking number it shows that the dispute was received by XXXX XXXX on XXXX at XXXX XXXX. Why is there a 4 day lapse between the day it actually arrived and the day that Transunion said it arrived??? In either case it has been over 30 days from the XXXX and the XXXX since I've sent my dispute and Transunion has not responded to my dispute.