davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Siwell Inc (IL)

Mr. XXXX apply for one mortgage, to purchase an condominium at reason rate and discuss over important turn and condition. and provide up front per-cent  down payment agreement with the  Financial Agents and obtain attorney service on exam all aspect of the future purchase agreement, or contract. Mr. XXXX also provide essential information, include   Three personal banking reference, and two credit Union reference, and other personal credit reference plus personal company account reference. After four months period, I check back for an up-date on the mortgage transaction. "unfortunate' the Capital Mortgage Financial agent default on the Real Estate project. Their no real relevant reason for Capital mortgage financial agent not to finance the real estate project. Unless some unknown interfere with the ongoing financial processing of the Financial application. All essential requirement, were on the application and sure co-signer were standard requirement. Those unwanted incident are cause by persons of unknown interfere to discredit legitimate information provide by the applicate and co-signer. In this case obsturcture of service process. apply in this case. and incident of that nature cause more harm then good. These incident were done intentional . Or person of unfnown interfere to made an attempt to used the applicate name fraudulent, cause an default with available funding.  The applicate exercise reasonable care and good faith with each reference provide. The real cause is obsturcture with current information sends were good standard. (C F P B ) Mr. XXXX  is request for certain amount funds send were certain per-cent for down payment send to be return and wire transfer those fund to Mr. XXXX  personal Bank account.
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (PA)

During the week of XX/XX/2018, I had contacted American Express to enroll in a Payment Program in order to be set on a fixed 5 year plan to pay down the balance on each Account I have with American Express. According to American Express, I was authorized, and at that point, I agreed to start with an initial payment ( and subsequent payments per month for the same amounts ) of {$310.00} for the American Express Everyday card and {$30.00} for the American Express Blue Cash card. 

Both payments were collected. A few days later, I contacted American Express and was informed that due to a " System Issue '', I was not enrolled in the Payment Program and that they were attempting to collect, yet more debt ( even though I had already satisfied the first Sequence of payment arrangements due to my assumption that I was enrolled in their Payment Program ).
Consumer complaint received 2021-11-06
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. (AZ)

Experian is placing a fraudulent account on my Experian report. XXXX and XXXX have already removed it months ago. Everytime I try to contact Experian, they ignore my request. In fact, I contacted the XXXX  to file a complaint and they have failed to respond to them as well. I also filed a complaint with the attorney general in Arizona because they are being negligent and harming my score.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (GA)

My name is XXXX XXXX and while applying for a remote at home position a back ground check was ran. On the report in XXXX it stated I had 2 XXXX  that had a disposition in XXXX it is now XXXX and on my rights the law states that the information can not be dated back more than 7 years yet they have included it in my report which will inevitably call for termination l. I messaged the company and didnt recieve a reply and I dont know what else I can do
Consumer complaint received 2021-11-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was applying for a loan through XXXX XXXX and I received a text message the next day saying I was approve for a {$7000.00} loan. The text message said it was from XXXX XXXX wit an a approve number and a number of XXXX telling me i would have an intertest rate of 9 % & what my monthly payment would be of {$220.00}. So I call the number and they said I need to verify my information, they told me my name ask for my ssi number and checking account information than they ask for my banking login information and thats when i realizes something was not right. I ask them why do they need my bank login information they reply to make sure this is my account and to see my deposits I told them why are we not calling the bank or you sending it through a website that does that. he when on to say because that is how we do there verification so I old him no i am not giving him that because I have been scam like that before and he told me I could look them up. I told him no and hang up the phone. but they had my checking account information and ss number. I call my bank and told them what happen so they frozen my account so nothing comes out
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, I have received letter from Spark Business capital one credit card issued XX/XX/2019 on stating " your account is being closed because the charges you typically make are high-cost transactions for capital one '' and Account closure date is XX/XX/2019. 

Basically, I didn't do anything wrong like late payments, over charged, any fraud. But there reason doesn't match with letter that they sent to me. 

When i talked with Capital One - They said they are not making money with wholesale vendors ( Like Costco, XXXX ) and unable to give cashback with large transaction so they are closing account. But what about person lost hard earn credit points while applying credit card. Even they do marketing with " Unlimited 2 % cash back on every purchase with no minimums or expiration date '' and Now they are doing fraud with customers using persons credit points ( when you apply credit card ) and Giving wrong information to customer with marketing. Also they are sending offers through marketing mail using Reservation/Access code. 

Another thing, If you ( Capital One Spark Business ) unable to give cash back or not making money from your vendor then why you making fraud to world ( Customer, Businesses, Organisations, etc ). Why customer have to face this??? 

And what about my history data? Did they steal my information since we will not doing business with capital one anymore using this fraud. 

So Please take action on this.
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WA)

My name is XXXX XXXX, I am filing this complaint on my own behalf. There is no third part involved. I am writing this complaint due to numerous failed attempts to contact Best Buy, Citi bank in regards to a fraudulent, alleged credit card debt. I am receiving repeated statements via email notification addressed to XXXX XXXX XXXX from Citi Bank Best Buy Card , all of which state to be a notice for payment to be due. On XX/XX/2022 a packet of letters addressed and written by me were delivered to Citi Bank Best Buy Card Services to Validate an alleged credit card debt. This debt demanded specific documents per my lawful right. The documents I asked Citi Bank to produce to validate this alleged debt were written as follows : " -The amount you claim the Principal owes you.

- An explanation showing me how you have computed the amount.

- The identity of the Original Creditor.

- Copies of any documents that prove I agreed to pay the alleged amount.

- Confirmation that the account has not crossed the statute of limitation ( SOL ) period. 
- Evidence that you are a licensed debt collector. 
- Evidence of your license numbers and your registered agent. 
" Attached to this same letter was a letter to demand cease and desist of all forms of communication in attempts to collect on this alleged debt. Citi Bank has failed on numerous occasions to cease communication, by way of continuing to send me emails, and written statements as attempts to collect on this debt. This is harassing me and persistently attempting communication at inappropriate time frames. Due to these facts, and irresponsiveness from Citi Bank Best Buy Credit Card services to validate the alleged debt, I compiled my list of facts and perceived feelings of harassment by this company over a debt they have failed to validate. I sent an affidavit by mail, and is currently being tracked via certified mail number XXXX. This sworn and notarized affidavit of truth lists 9 facts all communicating my perceived victimization of identity theft, harassment, and non-compliance to my written terms and demands as a consumer.
Consumer complaint received 2021-05-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (TX)

I sold my home and before they let me close the loan they told me I needed to pay my insurance. They requested XXXX dollars or they would not close loan. So I paid that after they had already taken the escrow. I called XX/XX/XXXX today to see if I would get the money refunded. They told me they did not know. It took me 20 minutes to get someone on the phone. It is very hard to reach someone on the phone. The only time it is easy to reach someone is when they are trying to get you to refinance.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2021-11-06
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. (NV)

I have a medical collection from XXXX XXXX XXXX being reported to Equifax that should not be there. 

I have contacted XXXX XXXX XXXX and Equifax on XXXX / XXXX / XXXX and have yet to have them respond. 

This collection has been removed from XXXX as they know they were illegally reporting this information. 

" Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any Medical Office for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is two-fold and as follows : Validation of Debt and HIPAA authorization : - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Their failure to comply is a direct violation of my rights under the FCRA and FDCPA. 

This illegal collection has and continues to hold me back from being able to utilize my credit and is causing major distress to me.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$180000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$160.00}
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting Act, the accounts below, have 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 an account without my written instructions. 

Accounts are below : XXXX XXXX XXXX XXXX Amount {$94.00} XXXX  XXXX Acct # : XXXX Amount {$2400.00} XXXX  XXXX  Acct # : XXXX Amount {$2300.00} XXXX  XXXX  Acct # : XXXX Amount {$400.00}
Consumer complaint received 2021-08-17
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: SYNCHRONY FINANCIAL (PA)

I made a purchase from Amazon.com and later returned approved merchandise which was eligible for a full refund. I returned all items in order XXXX on XX/XX/XXXX totaling {$150.00}. I have my receipt proving my return from XXXX, I have copies showing Amazon says I got the refund, I was advised to file a dispute with my credit card company to get the funds returned. I won the dispute on XXXX and it is also documented. The credit card acknowledged via chat on XX/XX/XXXX they knew I won the dispute. I have contacted the credit card company on 7 different occasions with all the necessary documentation and Synchrony has not credited my account back for the missing funds. They told me to wait 90 days. Amazon said I was supposed to receive my funds back in 3-5 business days. At this point I consider the money stolen by the credit card company. It needs to be returned as I have long ago returned my merchandise. This is not acceptable.
Consumer complaint received 2022-10-14
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00}
Consumer complaint received 2022-04-29
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. (DE)

In accordance with the Fair Credit Reporting Act, the accounts below, have 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 an account without my written instructions. 

Accounts are below : XXXX XXXX : XXXX Amount {$94.00} XXXX  XXXX Acct # : XXXX Amount {$2400.00} XXXX  XXXX  Acct # : XXXX Amount {$2300.00} XXXX  XXXX  Acct # : XXXX Amount {$400.00}
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

My son use our citibank credit card for two transactions, one for {$14.00} and one for {$18.00} or a total of {$32.00}. Citibank charged a {$20.00} fee and a {$0.00} interest resulting in {$20.00} on {$32.00}. That's a 62 % interest rate for a month or 33,676 % interest rate annually. I can'be believe there are no laws against this or required warnings. 

I don't expect any action, but would like to register the complain so perhaps it comes to the attention of someone that this kind of usury really should be outlawed.
Consumer complaint received 2023-04-01
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. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX
Consumer complaint received 2021-05-04
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. (NV)

I have disputed my debt with XXXX XXXX XXXX over 5 times already with experian. They have failed to properly investigate this debt and just accept a yes from XXXX XXXX without any actual proof of this debt. I never opened this account and XXXX XXXX has no actual proof of who opened this debt. I have disputed with XXXX  and with Experian. I have sent letters requesting valid proof of debt under FCRA section 611. This debt has hurt my life and family as i am being punished by experian for a debt that is not mine. This debt must be deleted right away as it is not mine. The amount that they are asking for is {$820.00} and have tried to trick me into paying for a debt that isnt mine with harrasing me and saying i will be in legal trouble over phone calls. This company should be investigated and experian should not be allowed to report debts if they dont even take time to properly investigate the debt. I have also submitted the letter i sent to XXXX XXXX requesting proof and they sent me a bill showing somone made charges on a account i have no knowledge of. They never sent any proof of the debt! Just becuase somone else or this company has a bill for a purchase used with this account, does not make it valid to be mine! Under the law they must show actual proof like a valid ID that was used to open the debt. Or anyone can just open accounts and without proof everyones credit would be ruined. That is called fraud and XXXX  and Experian are letting this happen.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b and a serious breach of my privacy rights. 

Please validate this information with these. Companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-04-29
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. (WI)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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