davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XXXX 2017, Capital One unilaterally placed a hold on my checking account due to a suspected security issue. They did not contact me to tell me that they had done this or to resolve the potential security problem. During the time that my account was suspended, I continued to write checks from it because I had no way of knowing that anything was wrong. As a result, 5 checks that I wrote during this period bounced and I incurred a total of {$170.00} of returned-check fees. When I received notice of returned check fees, I called Capital One to find out what was going on, and that was when I was informed for the first time about the account suspension. We resolved the security issue ( it turns out there was n't one ) and they reinstated my account. But Capital One refuses to reimburse me the {$170.00} even though I only incurred these fees because of their actions and their failure to communicate those actions to me. There were more than enough funds in my account to liquidate these checks if Capital One had not frozen my account, and I would not have written checks on the account if Capital One had told me there was an issue with the account.
Consumer complaint received 2022-08-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CO)

I was in XXXX XXXX California for a vacation with my husband and decided to go to the XXXX XXXX fair. There was a pop up stand that was selling purple mattresses, we have been wanting one for a while and decided to check out the stand. The sales guy named XXXX with Mattress Firm trapped us on just looking to see what we would be approved for with credit to purchase one of these mattresses. Once he saw how much we were approved for he called another sales man named XXXX over to try and get more approval through another lender. This took forever and they kept going with the purchase although me and my husband werent completely sure we wanted to purchase through them as they were giving us sketchy vibes. After they got the sale almost finished, it wasnt even the bed we wanted and the sales guys didnt want to go back and change or cancel all the work they just decided to do themselves. This all took place on XX/XX/2022. After a couple days with no email confirmation of the sale, I really started to feel uncomfortable with the purchase they made me do and I decided to reach out to them to at least change the bed to the one we actually wanted. XXXX said to text him the changes I want and XXXX fix it. This never happened. It took over a month to even get a delivery date from some other company and they brought the wrong bed to our home and we explained to them the issue we were having. All they said was that they can say we refused the purchase and Ill have to go through mattress firm to get the correct bed. Throughout this entire process I was trying to contact mattress firm multiple times to confirm the changes of the bed we wanted and all they have is an online service that doesnt help you. There is no way to report mattress firm and I am now being charged for a bed that I never received. I tried contacting the salesman and they both have not responded to me. This company or at least the fair should be shut down for fraud.
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Consumer complaint received 2017-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I have been named successor to my mothers late husbands estate. I also hold durable power of attorney for my mother. I have attempted to communicate with OCWEN on numerous occasions, to no avail. I am curious to know why, XXXX XXXX, who was a whistleblower VS. XXXX XXXX XXXX XXXX XXXX His name was FORGED, on a document that is associated with my mothers paperwork. XXXX XXXX name was authenticated by his attorney XXXX XXXX, thru a sworn affidavit. 
I also am curious to know why my mother was approved for a principal reduction of XXXX XXXX dollars, with a 2 % interest rate, in a letter from OCWEN, on their site, that was never sent to us? Is it maybe due to the cease and desist in Massachusetts? 
I would appreciate an answer from Ocwen, since they seem to believe they do not owe me one.
Consumer complaint received 2017-12-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (MN)

My attorney requested I reach out to you to advise that even though XXXX XXXX XXXX is in a large lawsuit regarding their collection practices on private student loans. They were advised to stop all collection attempts per an article in the XXXX XXXX XXXX until further notice and they are still calling to collect via a collector XXXX XXXX in MN
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Invalid Addresses : XXXX XXXX XXXX XXXX XXXX TX XXXX Invalid Accounts I did not sign my signature on : XXXX XXXX # XXXX - Never signed any accounts with my signature for {$34000.00} XXXX XXXX # XXXX - Never signed any accounts with my signature for {$13000.00} Under the Fair Credit Reporting Act, the credit bureaus are supposed to report TRUE and ACCURATE information. Please advise them, they have 30 days to remove this information.
Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

i opened this card with cap one in XXXX with a offer mail to me for 0 % interest till XXXX XXXX, as i am trying to re build my credit after my ex trashed it i thought this was a good idea. as of today i have a XXXX balance, i was mailed another offer a few weeks ago for another card for 0 % for 8 months so i applied for that thinking i can move my balance to that card and give me longer to pay on my balance on the account, all my payments have been made on time and in full non have been missed. after i applied, i was told i cant pay one card off with another card from the same company and the offer does not say that, in the mean time i closed the open card with the balance and it tanked my account 85 point on my credit because the offer was misleading and deceptive to get people to apply for this card, i had called multiple times in XXXX and prior to XXXX/XXXX/XXXX to obtain what my new rate was after the promotion and no one could tell me nor could they offer me another promotion until after this one ended on XXXX/XXXX/XXXX. today i get my statement with a late fee for XXXX because my payment that was made on XXXX/XXXX/XXXX which is my due date did not credit cap ones system until XXXX/XXXX/XXXX the same thing as last month and they had no issue waiving it then since i made it the day it was due but the system had not applied it till the next day. its not like i paid 5-8 days later it was the due date. today the rep i got refused to escalate my cal said his manager only deals with administrative issues and not customer calls, its so ridiculous that they charge this after one day, every other bank has a 5-10 day grace period and they wont budge on one day, he refused to remove my fee and said my rate is what it is and i knew about it when i got the card in XXXX, no my rate was 0 and now its 23.99 % i have NEVER IN MY LIFE paid more than 6 % and had i been told about that rate then i would never have applied for that card. i feel since i was a woman and white i am being discriminated against by the rep i spoke to today his name was XXXX id number XXXX, he would n't give me the reps name i spoke to prior to the transfer only her id number XXXX. i do not think should have to pay this insane rate on my account nor should i have the late fee on it.
Consumer complaint received 2021-02-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

Hello, its unfortunate that these two accounts from National Credit Adjusters have re appeared on my report that were currently removed! Validation or signed agreement was never sent! I also didnt receive an reinsertion letter in mail within 15 days which is Another VIOLATION!
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

XX/XX/XXXX Purchased {$500.00} XXXX XXXX Visa gift card. 
XX/XX/XXXX Friday night first use of the card was denied at XXXX XXXX XXXX. 
XX/XX/XXXX Monday contacted Incomm. Found unauthorized use of card funds on XX/XX/XXXX at XXXX XXXX Pymt for {$480.00} and {$11.00} leaving a balance of {$.00}. 
The card has never been out of my posession and account numbers have never been given out. 
XX/XX/XXXX Received emailed dispute form from Incomm and immediately returned an email copy and also a faxed copy and a copy by US Mail. 
XX/XX/XXXX Five additional calls between XXXX and XXXX have failed to restore the missing funds.
Consumer complaint received 2018-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is repeatedly falsely verifying unauthenticated inquiries on my credit file. I have not received a firm offer of credit for any company to be listed as a hard inquiry on my credit file nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

Upon information and belief, no one from Transunion has taken accountability for my credit disputes, therefore no one from Transunion can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Transunion to adhere to the law? Clearly, Transunion does not complete reasonable dispute investigations for consumers. From my personal experience, Transunion conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Transunion and the CFPB with this Affidavit included in this complaint and wait for a response from Transunion. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Transunion to claim damages for myself as well as millions of Americans who have been affected by Transunions FCRA violations. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (VA)

In XXXX XXXX I refinanced my home. The first mortgage was held by XXXX. They did not release the lien against the property. Ocwen is the successor company and is reporting the loan as paid of and closed to all XXXX credit bureaus, but refuses to issue a lien release. They claim to have no record of it and do n't know how all XXXX credit bureaus have identical information from them about the loan.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Amscot Corporation (FL)

I took out payday loan with Amscot then got real sick and was in hospital and to top it off my land lady called and said I have to move in 30 days so I have to come up with money to do that.Amscott keeps calling harassing me. I can't pay one lump sum like they want I want to do right thing and pay my debt by setting up payment plan but they won't let me.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: FISERV INC. (MA)

on XX/XX/2020 I went to XXXX XXXX XXXX in XXXX MA and wrote a check. I was informed by Telecheck that my check was declined because I " do not normally write checks to this merchant '' and I " don't have a history of check writing with them ''. When I asked how I was supposed to have a history of check writing if they don't allow me to write a check they could not answer. When I asked what the bad information is that I was declined the ability to write a check for, they gave incorrect information. I do not have any unpaid checks with this company. This company seems like a complete scam.
Consumer complaint received 2023-01-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/XXXX I submitted a complaint with the CFPB against Equifax regarding incorrect information on my account. Refer to complaint number XXXX. Equifax responded on XX/XX/XXXX saying all information was verified as correct. Equifax responded through the CFPB portal. Equifax also stated if applicable a copy of the results will be mailed. I have not received the dispute or dispute results. The only thing Equifax sent in the mail was a paper asking for identification. What Im not understanding is how do I need to identify self when I have already done this. The correspondence is attached. I also have not received an updated consumer report.
Consumer complaint received 2017-12-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I sent a request for an account to be investigated in regards to an unauthorized for inquiry. I spent several days speaking to XXXX. They stated the inquiry was not initiated by them even though it is identified on my credit report by all three bureaus. I have contacted them via mail on four separate occasions XXXX. I spoke to them and three occasions. I also informed them it was there responsibility to investigate the unauthorized inquiry as when I spoke to each of the three credit bureaus they referred me to XXXX. On XXXX XXXX they sent me a letter stating they were not responsible for said inquiry and therefor referred me back to the credit bureaus. This same vendor has been successfully sued on several occasions in where this same tactic has been found to be illegal.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NC)

I have been subject to false information affecting my XXXX and XXXX credit report. over the course of six months the debt collection agency LVNV has continued to furnish reports of two closed collection accounts as open accounts, Account ending in XXXX and XXXX have both been previously closed after dispute, however afterwards have been reported as open and " needing attention ''. This has and continues to affect my credit report, this is also illegal, this accounts must now be removed due to violation of the Fair Credit Reporting Act. I have contacted LVNV requesting account validation at which point the agency failed to provide valid validation, I am requesting that LVNV be cited for consumer harassment and deformation of character. i have a current credit report which reflects these said accounts as closed while XXXX and XXXX via Credit both reflect these accounts as open and " needing attention '', again both of these accounts have been closed many times after been disputed and later reported as open by LVNV, this would not be able to happen if the accounts was deleted after been closed, also the with highest said balance was also deleted from XXXX and later reported as open the same account reflects as deleted on my XXXX credit report
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

On Tuesday, XXXX XXXX, XXXX I received a direct deposit of {$280.00} to my checking account. For 6 weeks prior to the XXXX, XXXX XXXX deposit the amount was sent to the active checking account without incident. For some reason the XXXX, XXXX deposit was made into a closed checking account whereby Chase bank then proceeded to first, return the deposit and second, close the account. 

I had no idea what had taken place and only discovered this action by Chase only AFTER I incurred overdraft fees on the open checking account. I contacted Chase about the matter and they stated the error stemmed from the sender of the direct deposit and that they returned the funds on XXXX, XXXX XXXX. This was not the case as the {$280.00} was sent back on XXXX, XXXX and the sender had no record of the money being delivered back to them. 

Chase waived the overdraft fees incurred during that period. I checked back with the sender and up to XXXX XXXX they had n't received the money. Despite this fact Chase ONCE AGAIN issued overdraft fees on my checking account totaling {$64.00} on XXXX XXXX, XXXX. 

I think it is OUTRAGEOUS that Chase is charging me overdraft fees on an account where their actions are the direct cause for there being insufficient funds. When I contacted Chase about removing the {$64.00} in overdraft fees they refused.
Consumer complaint received 2017-12-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a request for an account to be investigated in regards to an unauthorized for inquiry. I spent several days speaking to XXXX. They stated the inquiry was not initiated by them even though it is identified on my credit report by all three bureaus. I have contacted them via mail on four separate occasions XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I spoke to them and three occasions. I also informed them it was there responsibility to investigate the unauthorized inquiry as when I spoke to each of the three credit bureaus they referred me to XXXX. On XX/XX/XXXX they sent me a letter stating they were not responsible for said inquiry and therefor referred me back to the credit bureaus. This same vendor has been successfully sued on several occasions in where this same tactic has been found to be illegal.
Consumer complaint received 2021-07-13
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. (OH)

I filed dispute on items on my credit report again on XXXX to XXXX, transunion, and XXXX stating these items are inaccurate, unverifiable, and questionable. I ask for original contract with my signature on it which has not been sent so it means this account is unverifiable but have on my file that it is.
Consumer complaint received 2017-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recieved notice from XXXX XXXX that there was an attempt to open a credit card using my personal information. There is now a hard inquiry on my Transunion report. The bank was XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2021-11-05
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 — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (TX)

In XX/XX/2021 I called to see about a payment deferral for one month. The customer service representative ( who seemed new ) said they could do the deferral and all I would have to do is electronically sign an agreement and it would be done. They emailed me the agreement which I signed and thought it was accomplished. In XXXX I found out my Credit Score dropped significantly and found out it was because KIA Finance reported I missed a payment. I have had a perfect payment history with KIA for 71 months. ( Contract recently paid off ) I tried calling KIA Finance but was always disconnected. Wrote a letter explaining dispute. They sent a form letter saying it was investigated and found no resolution. I filed disputes with all Credit Bureaus with no remedy. Finally had an attorney send a certified letter requesting an investigation and simple remedy of honoring the deferral and correcting credit reporting with no response after a month.