davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have these accounts that are not mine and i want them to be remove from my credit report. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MA)

Problem : payment was not accepted, payment was returned several times. Each time a returned payment fee and interest was charged to my account. 
They cancelled any future payments from my bank, this is the only bank account I have. My bank could not understand their reasoning or problem. I submitted my bank routing number, check number, etc. 
I attempted to pay via phone. The payments were made ( XXXX times ) by phone with a Chase specialist assisted provided by Chase. Each time the payments were rejected and fees and interest was added to my account. 

The companies involved : Chase Card Member Services XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2018-02-28
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. (AL)

I am a victim of Identity Theft and the Credit Bureaus are refusing to honor my request for a block of fradulent accounts and information under FCRA 605B. I have sent my FTC Identity Theft Report, my police report and have also submitted my information to the Attorney General in my state. I have fulfulled ALL the needed requirements and the bureaus are WILLFULLY non complying. I spoke to a representative from Equifax to ask if they received my police report and she said " we can't use this police report '' and we have opened investigation and you will hear in 30 days. '' I told her no, they had all they needed for 605B and they were to block within 4 days. She said they was not going to block because anyone could just go down and get a police report and claim ID theft. I told her that wasn't a judgement call for her to make that 605B requirements have been met and they needed to block I know the law well enough to know that there are only 3 reasons a CRA can refuse to block : 1. If the request is made in error. ( It's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If they had knowledge the consumer received goods or services with the transaction ( which I have not ). If the CRA follows the FCRA exactly, then it MUST put the identity theft block in place, within 4 business days, once it receives an identity theft report from a consumer. None of these is the case, so I want to know exactly why they are willfully breaking the law.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a complaint about a Public Record USBK COURT SOUTHERN FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway.. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC (TX)

On XX/XX/XXXX I financed a car through Cnac financing /j.d.byrider for a XXXX XXXX XXXX and was making payments on time and paid off my deferred payments and was simply making my monthly car note payments, in XX/XX/XXXX I made my payment for {$260.00} and was in good standing with my payments, 2 days later my car was wrongfully reposessed and when I called into the dealership letting them know that they werent in the right and needed to fix the situation, their response was well I shouldve called into them to let them know payment was rendered because they were closed for a few days but I know if me paying it online and the company sends me a receipt every time then I know their data base shows payment was made and then putting my car up for repo was a mistake that was on their part and not mine!!! Then they were trying to make me pay them towing fees for their unprofessional mistakes then I went and picked up my car from the XXXX there and was still up to date with my payments then they lied and said that the car was stolen when it was not, they reposessed it again and the police never arrested me or anything seeing the fact that I had all my paperwork to show my car was mine and in good standing and just overseen the vehicle repossession to keep peace, then after all the unlawful and wrongful unprofessional antics they had pulled on me they had the audacity to quickly put a unlawful repossession on my credit file which has made a bigger issue with me deeming the company mislead me and did unlawful practices to get more money out of me whose the consumer, and gave a big history doing this to many people! I know my rights and need this wrongful repossession rectified asap and the wrongful repossession to be removed off of my credit immediately!! I paid out to the company overall {$2100.00} in total )!
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (MO)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has failed to remove the 5 late payments on both Dept of Ed / XXXX accounts. XXXX is in violation of 15 USC 1601 ( a ). For failure of protecting me the consumer against inaccurate billing.
Consumer complaint received 2021-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

I made two payments by mistake via phone and online service for this specific provider. In effort to fix this issue I asked for a payment {$2000.00} made in error to be refunded. The payment was refunded for {$2000.00} via ACH on XX/XX/2020. My bank statement shows the correct payment made on {$1900.00} was payed and posted on XX/XX/2020. A notice was sent to me stating that I am missing two payments on XX/XX/2020. I called the shellpoint mortgage servicing to speak about this problem. They told me a check for {$1900.00} was issued and sent to me by XXXX XXXX. I never requested both payments to be refunded. Only one. And I never opened this mail either or cashed the check. She helped me by refunding the fee charged for this month and was very helpful in the matter. I have had many issues with this company and their process. They seem to have a problem with communicating and following up on matters. I want someone to be held accountable for these type of errors because its very upsetting and scary to get notices like this.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I disputed 3 negative accounts on my credit report EXPERIAN on XX/XX/2020 and received the results back report # XXXX XXXX out the 3 accounts XXXX XXXX # XXXX & XXXX XXXX XXXX XXXX outcome is listed as DELETED. I have an updated credit report which shows they have been removed .However it still shows on my credit report when a merchant runs my report. I called experian spoke with a XXXX who was very rude and he confirmed the items are still showing on his end!! I gave him the dispute report number he refused to make the correct changes Ive contacted XXXX their verification is inaccurate I cant get my report from them, both XXXX XXXX and XXXX are reporting inaccurate information because of it my credit score is inaccurate and I have been declined credit!
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX at XXXXXXXX XXXX I made a {$1000.00} deposit to AMT Machine ( XXXX ) Located at XXXX XXXX XXXX, XXXX, MD XXXX At the time of the deposit, the machine advised that there is an error and the funds will not be returned or available. A prompt advised how much funds were deposited ... I entered {$1000.00}, a receipt was printed. 

Another prompt advised if the amount of the receipt does not correspond to the deposit, to contact XXXX. I contact that number at XXXX to enter a claim. I was met with rude and unprofessional staff when I attempted to escalate the call. 

They are retaliating against me. I requested to speak with a supervisor, they placed me on hold for an hour and transferred me to the Fraud Department. They called me " ma'am '' multiple times, laughed at my expense. When I called back to get transferred to a supervisor, they disconnect the call. 

I am asking where is the money that I deposited in the ATM, can I please have access to my funds? They have not provided me a resolution or access to my funds. 

I checked the ATM machine yesterday and this morning XXXX XX/XX/XXXX XXXX and it is functioning and accepting funds and withdrawals. Please advise where my funds are? 

I spoke with the following people at Bank of America : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX  No resolution!
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

In XX/XX/XXXX a fraudulent charge of {$2100.00} appeared on my Synchrony Bank XXXX statement. I informed XXXX about this in writing and paid for MY charges in full. In XX/XX/XXXX another fraudulent charge of {$2200.00} from the same merchant appeared on my statement. Again I informed XXXX and paid for MY charges in full. Starting with the XX/XX/XXXX statement and every statement since then, Sync has assessed interest on the unpaid fraudulent charges. Additionally, since XX/XX/XXXX a recurring fraudulent XXXX charge has appeared on my monthly statements. I have informed Sync in writing every month of these issues. In XX/XX/XXXX, in my XXXX to Sync, I requested that my account be closed. However, I received a XXXX statement with more XXXX charges and more interest assessed, and the account was not closed. The balance on the XX/XX/XXXX statement is {$96.00} and consists entirely of interest charges assessed on unpaid fraudulent amounts. The fraudulent charges were acknowledged by XXXX, however, the interest charged on those unpaid fraudulent amounts was never reversed, Every month the unpaid interest is carried forward and more is added. At this point I am so frustrated with Synchrony I will pay the {$96.00} wrongfully assessed interest on fraudulent charges just to be done with this bank.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a dispute letter requesting to have inaccurate items removed from my Equifax credit profile. As of XX/XX/2020 I have not received a resolution from Equifax so I sent another letter requesting that they follow the law and remove my inaccuracies ; since they did not resolve my issue within the allotted 30 days given to investigate my dispute. Equifax has neglected to comply with The Fair Credit Reporting Act, and still have not remove the inaccuracies from my credit profile as of today, XX/XX/2020. I have included copies of both letters with my complaint.
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I went to XXXX on XX/XX/2018 to have XXXX. Sometime during my XXXX stay my phone and debit card were stolen. My phone was clearly not locked and someone took over {$1300.00} from my account while I was recovering in XXXX. As soon as I realized my debit card and phone were gone, I traveled to XXXX XXXX California when I had the energy to which was just a couple days later. I acquired a phone and immediately informed Bank Of America about what had happened. After I got to my hotel in XXXX XXXX, I logged into my account. I saw a bunch of transactions including some that werent approved/didnt go through. My plan was to be in XXXX for two weeks, this completely ruined our trip, and I was in so much pain on top of it. A day after I submitted my claim to Bank Of America, they put the funds back in. 

I thought everything had been taken care of, but then they withdrew all of the money without notice to me about 30 days later which put me in more serious banking trouble because they did not inform me that was going to happen or give me a heads up. I calle them immediately, they said that they didnt believe it because whoever stole money never checked the balance and there should have been more transactions on my account at the time. When I logged in, there were a TON of transactions that were pending ( that first day I was able to log back on ). They are lying and wont give me my money back!! 

Since then I have called Bank Of America, faxed over proof of why I was in XXXX including XXXX papers protected by HIPAA. I have tried to get a police report here in XXXX XXXX where I live however they did XXXX due to the incident not happening in the city limits. Every time I call Bank Of America they say they have no information for me except that they have escalated my claim. But it is been over five months since this occurred, and I want my money back that was stolen. I have done my due diligence and Bank of America hasnt done anything except not cover someone stealing my money like they are supposed to, and put me more in the negative when they took my money back. I have been with Bank of America for a very long time, they have been a horrible Bank in this experience. Please help me.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (AZ)

On XX/XX/2020 I noticed a transaction for {$290.00} from XXXX XXXX was pending in my citibank checking account that was initiated on XX/XX/XXXX. I did not recognize the charge and when I contacted Citibank on XX/XX/2020 they told me I would need to wait until the transaction cleared before I could file a dispute in the meantime they did close my debit card. XX/XX/XXXX the transactions for {$290.00} posted to my account I filed a dispute immediately and was told that I would receive a temporary Credit in 10 days if they had not come to a resolution. About three weeks later I still did not receive any provisional credit upon contacting Citibank they told me that I need to file a new dispute that this one was overlooked so I filed another dispute for the {$290.00} again I waited about 30 days with no response or provisional credit I contacted Citibank again just XX/XX/XXXX was told that I needed submit the dispute in writing which I did by fax and email. At this point my Citibank account had gone into the negatives they've accrued numerous fees because transaction in CitiBank closed my account with out warning because of a negative balance. The negative balance was due to service fees and I refuse to deposit money into an account until I received a response from my dispute I filed 3 times
Consumer complaint received 2022-04-28
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Background : Recently, I applied for 2 credit applications 1 ) Refinance with XXXX for my home loan 2 ) New credit card with XXXXXXXX XXXX Both of these lenders use Experian credit report to pull my credit score and check credit file. 

Issue : When XXXX and XXXXXXXX XXXX  pulled my credit report from Experian, both of them receive a message stating that my credit file is frozen. My credit file is unfrozen and I've verified this multiple times with Experian. 
1st call with Experian on XXXX XXXX with agent XXXX. Case number : XXXX XXXX mentioned that something was wrong with my file and it'd take 3-5 business days to fix my credit report. I don't know what was wrong regd my credit file. XXXX did not mention that. 

I waited 5 business days till XXXX XXXX, called Experian and verified that my credit file is not frozen ( case number : XXXX ) and contacted XXXX and XXXX to run my credit report again. Both of the confirmed that they still get the same message that my credit file is frozen. 
So, I call Experian again and another agent XXXX indicated that my credit file is unfrozen but not willing to look into the matter why lenders are unable to pull my report. 

As a result, I can not proceed with my refinance application and credit card application due to Experian refusing to fix the problem at their end. 

Experian Phone numbers I contacted : XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-01-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Trying to get VA XXXX MODIFICATION talk to VA REP XXXX XXXX said will approve see letter, WELLSFARGO WORST BANK as a veteran and being discriminated against since im XXXX XXXX know many who have been approved!