davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I looked on line and saw a sale on XXXX. A chair and ottoman for {$59.00}. I bought it and I got a emailed receipt and I saw that it was not from XXXX. I immediately called XXXX and they let me know that it was a scam. I called my bank and let them know what was going on. They told me to wait up to 10 days to see if I get the product. I waited and emailed XXXX. That was the email on the correspondence on the internet and I never got a response. There was no phone number. I never got a response. I never got my chair and ottoman I called the bank and they issued a credit on XX/XX/XXXX. I thought it was over however I get a email from my bank stating that XXXX XXXX sent them proof that the charge was valid. I called Capital One and asked to see the proof. they sent me a copy that was not legible. They read me what it said and I knew it was fraud. I blew up the document and the document was not from the post office at all. I read the tracking number that they said was proof and it said it was delivered on XX/XX/XXXX. The tracking number said it was delivered to my front door or porch. I live on the XXXX floor of a secured building so I knew it was false. It was also a tracking number from XXXX and I know they do not deliver chairs and ottomans. I made a claim with the post office and sent that to Capital one. The post office sent me back proof that the delivery was a XXXX ounce letter and was sent to a different address not mine! A Chair and ottoman do not weigh XXXX ounces! Also the post office stated in their letter that they have a maximum delivery and they would not deliver a chair and or a ottoman. I sent all of this to Capital One. They have since denied ever claim and now have made me pay back the money to XXXX XXXX and now my account is negative. I have proven that all of this is fraud and I still now have paid for items that I never received and I have been scammed by now my bank and XXXX XXXX. The address that the post office delivered the XXXX ounce letter to is a church! I have sent all the proof to Capital one and they do not care. At this point I do not know what to do! I also did my own investigating and the receipt I got said that I paid out of a XXXX account. There is no record of this purchase on my XXXX  account. That is weird... Like I said I thought it was wayfair! That is what the description says. I buy from them all the time. Also my receipt I sent Capital one said XXXX on it. Please help me! I need justice im sure XXXX XXXX has done this before! And Capitol One!
Consumer complaint received 2022-08-10
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. (SC)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX closed my lowes card because my credit score dropped some. I paid my bill early every month. Then they mess with my credit with my walmart card lowered my limit. I pay early and mpre then bill. They are messing with my credit score now that they keep checking my credit. Its not right.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (IL)

XX/XX/2022. I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau. Their return letter stated, " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. '' I sent certified letters to the credit bureaus let them know that I did not give them permission or written consent to them or any other agency to furnish my information. How did the credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681. nor did they follow their own consent policy. It is damaging to my reputation and a blatant disregard to my right to privacy.

15 USC section 603 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of being is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The have violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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 2021-10-07
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)

I have contacted Transunion several times about correcting an error on my credit report concerning a loan that I had with XXXX. I paid this loan off on XX/XX/XXXX. Both XXXX and XXXX show the loan has being paid in full. Transunion refuses to correct this. I have contacted them with the help of an attorney in XX/XX/XXXX/XX/XX/XXXX and they still have not updated the balance to reflect as {$0.00}. I submitted to them the letter showing the loan being paid in full. This is extremely frustrating. I would like my credit report updated immediately.
Consumer complaint received 2023-01-27
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. (NJ)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Ive been a chase costumer for 4 yrs now. Never have an issue. On XX/XX/22 I received a check from school. I did an online deposit. Received a msg that check is been processing. On XX/XX/22, I check the acct and funds were available. I try to sent a pymt and the act didnt work. I thought it was a technical issue. My surprise came when received a msg that tell me that my acct was on hold and gon na be close for missing documentation. I call the bank. They told it was a problem with check verification. That if I received notice that a check will be mail to me. I didnt have it with me at the time. Later I found all the info from the school and I call back. They verified that the check was sent to me. The representative told me ok XXXX gon na email to lift the restrictions. I was on hold for about 40 min and she reach back to me and told me that some office did a second review and decided to close my acct. I ask to call that office and she told me that what she could do is transfer me to her supervisor. The supervisor, name XXXX, told me the same as the other representative. And that I sign the agreement that they could close my acct without any notice. I told her that I want an explanation. And her reply was you do not understand anything? You sign for this. I said, I want to speak with whoever made that decision and she replied that those people never answer to no one. No even them. I was in the phone for an hour without a good response, who made her think that I would mind to wait 3or 4 hours to get a response. Now I have to wait 2 weeks for them to mail me a check with my founds. Meanwhile my bills will be unpaid. I dont care to have a checking acct with them anymore, but I think I deserved an explanation.
Consumer complaint received 2024-01-28
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. (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

XX/XX/XXXX : Mortgage placed on a COVID Pandemic forbearance. 
XX/XX/XXXX : My husband became unemployed as of effect of the pandemic XX/XX/XXXX : Payments restarted on mortgage {$1400.00}. 
XX/XX/XXXX : All documents provided for modification process. 
XX/XX/XXXX : Modification denied. Other options offered - pay off the entire amount of forbearance or refinance with another mortgage company. Paying off the entire amount is unfeasible and unaffordable to say the least. We have suffered financially the same as all others as effects of this devastating pandemic. Why is wells fargo not trying to work with us and in fact working against us? I understood it was against the law to do such things in the face of this pandemic. Please assist. All we seek is a modification or some sort or repayment plan. We do not seek foreclosure, although, it would allow us to save a lot of money we seek to protect our credit with much more interest! We have XXXX XXXX year old XXXX  ( among our XXXX children ) that will attend college next year and may have to obtain loans to pay their tuitions. We do not have time to go through the whole refinance process with another mortgage company. Although, it would probably be best as we could most likely lock in a better rate and cash in on equity with a more reputable institution. However, we just seek to resolve this in the speediest way possible with the current lender. Thank you in advance for your assistance in this regard.
Consumer complaint received 2021-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I have sent 3 debt validation letters to the company that i am attaching to complaint. This company hasn't provided the requested information for the debt they are stating is owed to them. This company is violating HIPPA laws as well as the Fair Debt collection act. Letters were sent in XXXX, XXXX, and XXXX. i received one letter from the company with a total of the alleged debt that they would request for this information to be removed however ; it is still reporting as open on my XXXX  credit report.
Consumer complaint received 2022-03-03
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. (MD)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have mortgage from Bank of America for my home. I purchased home ( in XX/XX/XXXX ) of {$200000.00}. I took mortgage of {$180000.00} ( 11 % ). Thus, I have PMI insurance on mortgage. My current principal balance on mortgage is {$150000.00} which is 74.6 % LTV ratio. When I called Bofa for first time to request cancel PMI ( principal balance {$160000.00} ) they told me my LTV ratio of mortgage need to be lower than 78 % and I need to do home valuation report but if I have principal balance less then 75 % then I don't need home valuation. At that time my LTV ratio was 78.28 %. Thus, I deposit more money towards principal and I request again for canceling my PMI at {$150000.00} ( principal balance ) which is 74.6 % LTV ratio.

At this time, Bofa stating they can not cancel my PMI until XX/XX/XXXX year because that was the date loan supposed to be at 78 % according to amortization schedule. According to Federal law I am eligible to cancel my PMI, once it is less then 78 %. I have continuously make regular payment and deposit more each month towards principal. It's becoming racket by Bofa. Each time I am getting different response by Bofa to decline my request.
Consumer complaint received 2019-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC. (TN)

I took out a high interest rate loan with the company Sun Loans in XX/XX/2017. That company closed suddenly and without notice. A couple of weeks later I start getting collection calls from XXXX XXXX claiming they purchased the contracts from Sun Loans and I owed the debt to them. XXXX XXXX had already put a late fee on my loan even though I had no idea who this company was. I worked with the company trying to make arrangements to pay as their collection calls were coming in at least 3 times a day every weekday. If I didn't pick up the phone, they would call my friends and relatives whom I had listed as references on my Sun Loans accounts. 
I finally wanted XXXX XXXX to prove to me that I owed them the debt from the other loan company. They sent what was claimed to be a " court document '' to prove they bought my loan. It was just a typed up document with no official markings like a judge 's signature or a docket number. 
When I informed XXXX XXXX that I would be a filing an official complaint against them, the manager became more aggressive and demeaning ( even yelling at me ) insisting I was just trying to get out of my debt. He then informed me he would put it on my credit report if I didn't pay. After about 6 months of harassing me, my friends and family, I was able to block all of their phone numbers. Unfortunately my friends and family were not able to do so. 
I pay debts that are mine, but they are expecting me to pay a random company I have never done business with just on their word. 
I have included some of the collection notices and a copy of my original contract with Sunloans. It appears to me from the language in that contract that my debt from Sun Loans was nullified if the company went out of business. Even if that is not correct, I am not just giving my money to a random company that says I have a debt with them. 
( The section where I list the last 4 of my Social on this system keeps giving me an error. I included the account number from Sun Loans as none of the correspondence from XXXX XXXX has an account number listed. )
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I inquired about an equity line of credit in  XXXX  of  XXXX  with Washington mutual Chase bank. On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch manager  XXXX    XXXX   was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize  any one to u se my identity.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I opened at CitiBank XXXX account on XXXX XXXX, XXXX for the sole purpose of getting the {$1500.00} bonus they offered if I kept {$200000.00} in the account for 60 consecutive calendar days. You then had to keep the acct open for 90 more days waiting for the bonus to fund. I did this. The bonus funded in XXXX, but it was for {$700.00} instead of {$1500.00}. I was then told when I called that the requirements stated that the 60 days began after day 20, thus meaning you had to keep the {$200000.00} in for 80 days. This bonus is still being offered, and the language now clearly states that the 60 day count begins after day 20. However, that wording was not present when I opened the account. Clearly, CitiBank realized at some point that this wording was missing, and added it later. 
I called CitiBank multiple times last fall to check on this 60 day ruling. I opened my account with a {$200000.00} deposit. I asked when do I start counting the 60 days. Is it from the date of opening? Or is it from the date you actually receive the money? Is it calendar days or business days? I was told over and over again that I would meet the obligation at the end of XXXX. I kept the {$200000.00} in the account for about 10 more days just to be on the safe side. I moved {$150000.00} out of the account in early XXXX, keeping {$50000.00} in the account to avoid a service fee until the {$1500.00} bonus funded.I actually have it in writing from a Citibank employee that I contacted via the app that I indeed would meet the requirements as of XXXX XXXX as long as I kept the account open for 90 more days. 

I have contacted Citibank many times about this to no avail. The last letter I got from them sounds like they do acknowledge that I should've gotten an additional {$800.00} but because I closed my account In XXXX, they can not fund it. This is just wrong. I closed the account at the end of XXXX because when I called to ask why I only received {$700.00} instead of {$1500.00}, I was told that I didn't meet the requirements for the {$1500.00} and that I would NOT be getting the additional {$800.00}. That is why I closed the account.
Consumer complaint received 2019-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (IL)

I never made any of these purchases but I have tried to talk to XXXX and my financial institution and neither place will help me get my money back. 
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX )
Consumer complaint received 2017-06-03
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. (IL)

On XX/XX/XXXX  I submmited a complaint about Experian reported a  XX/XX/XXXX  days late payment with the company ;   XXXX   XXXX   ', this error caused a  XXXX  points down by  XX/XX/XXXX  is when Experian reported 30 days lat in   XXXX   XXXX  ,, after a submmited my complaint a week later, they experian reported other error now they reported 30 days late payment on   XXXX   XXXX  again this error is causing me big problems sice I coudnt get approved with some creditors, plus they lower my score at the same time, I m attaching proof of my   XXXX   payment.
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Please hel p me up to resolve this error since Im trying to buy a car.
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thank you so much in advance