davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
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. (WI)

About 5 years ago Equifax had my name mispelled and my birthday wrong. It took me multiple times to correct but it has happened again. It is happening because Equifax is using information provided from soft requests. They are getting companies that steal information online about me and use that information to get information about my credit using soft requests. I know this to be true because I use certain shortened versions and mispelled versions of my name on NON FINANCIAL sites that ask for the information for their records. Examples of these sites are XXXX, XXXX, XXXX and such. These are sites that have nothing to do with my financial records and are very susceptible to personal information being stolen. That same information again showed up on Equifax. I have again reported this to Equifax and am in the process of correcting it but since this is the second time it has happened I believe they need to be investigated. The collusion that happens between financial organizations and the big three credit reporting companies is hurting the average consumer. In the last 7 years I have one 30 day missed payment that was not my fault. It is showing up on one of the reporting agencies. That one wrong reported 30 day is costing me about XXXXpts on my score. The credit reporting companies make it near impossible to correct anything. For example ; if you do not have the correct birthday listed, you can not open a dispute online. It took me a few hours of reading and calling to finally find a phone number for disputes. The Consumer Protection agencies are not doing a good enough job making sure the consumer is protected. Please look into the fact that Equifax is somehow getting information from personal sites and using that information on its reporting. Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I recently got a new job which does monthly paychecks vs biweekly. I deposited my first full paycheck in a month and a half for {$3200.00} at a Bank of America ATM in XXXX, VA on Tuesday, XX/XX/XXXX at XXXX XXXX. The receipt I received said there was a hold on it until XX/XX/XXXX, but it would not say why. I called BoA immediately, and and a supervisor responded that they do not see the hold, but to call back in the morning if the hold is still showing. In the morning of XX/XX/XXXX I called back, asking again for a supervisor. They said they couldn't do anything to help me and that I needed to wait 24 hours from depositing the check to call back. But that it was probably being held because of " federal statutes '' ( I think they assumed I wouldn't know the Federal limit is {$10000.00} ) But I waited and called back in the evening. Speaking to a different supervisor, they said that I needed to actually wait 24 hours from processing, which was XXXX XXXX, to get a review of a check hold and that they have notes to the check hold department to review and release the funds if available. He suggested I call back again the next morning at XXXX XXXX  when the phone lines open. I called back again this morning, XX/XX/XXXX, and again, asked for a supervisor. This supervisor told me that I was given the wrong information and the department I needed to speak to would not be open until XXXX XXXX and that I would need to call back again. At XXXX XXXX, I called back and was disconnected. Twice. I finally get ahold of someone, and they were extremely rude, and when I asked to speak to a supervisor, he transferred me to the account closing department. After finally getting transferred 3 more times to a supervisor, this one tells me that everyone else has misinformed me and that nothing can be done. There will be no review, no check hold removal, or push to clear. I then decide, after hanging up, to check with my employer. The paycheck has already cleared through their bank and the funds have been allocated. So, basically, BoA is refusing to give me my money and causing me financial hardship. I explained that I needed my money as the lack of funds would cause my account to go into the red and was basically told that I was just going to have to pay the overdraft fees. Even though they have the money already and are refusing to put it into my account.
Consumer complaint received 2024-05-20
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC. (MI)

I was a cosigner for my daughter 's student loans, with Navient ( who purchased the loans from a different financial institution ). Two loans, amounting to approximately {$10000.00}, and dating back to XXXX. They state that they have been " unable to reach her '' and are demanding repayment be overtaken by me, or they will put these loans into " default '' and potentially attach a lien to my mortgage, take my Social Security or tax refunds. They have influenced my credit score, so much so, that it was XXXX, in XX/XX/XXXX, and is now XXXX. When I told them that I had no idea that this was occurring, they told me that it is MY responsibility to keep " tabs '' on the finances of my 38 year, married daughter, with her own mortgage and tax refunds. I gave them her contact information. They continued to threaten and berate me until I disconnected.
Consumer complaint received 2023-01-19
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. (CA)

In Accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX  : # XXXX, has violated my rights. 

XXXX XXXX  : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 exclusions Number 2 ( a ) ( 1 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also under 15 USC 1692 1692k civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Consumer complaint received 2020-10-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I opened a CapitalOne " 360 Performance Savings '' account on or about XX/XX/2020 on the promise that if I put in the right code at the time of account opening ( I think the code was " XXXX '' ) and transfer {$50000.0

0} or more to the account, the bank would provide a bonus of {$500.00} in a few months. I did all the required steps but never  received {$500.00}.

When I contacted the bank months later, I was informed that I can not get the bonus because I already have a different type of CapitalOne saving account at the time of account opening. However, I was not informed of this loophole at the time of account opening, and I was not informed that the code was no applicable to me when I entered it at the time of account opening.

The bank will probably say that the loophole is in the fine prints ; but I'd argue that the fine prints are not sufficient in this instance, since I had to enter a code so the bank was well aware of my intent and yet gave me no indication that I won't get the {$500.00}. I believe this is  deception and is in violation of XXXX.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX  Date opened XX/XX/2015 Account number XXXX XXXX XXXX Date opened XX/XX/2015 Account number XXXX I attached all documents what you need included Identity Theft report. I have been a victim of identity theft fraud. I have no idea of any of these accounts.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I opened a new Chase savings and checking account with coupon code XXXX XXXX XXXX XXXX on XX/XX/XXXX. In order to qualify for that {$300.00} checking bonus {$200.00} savings bonus and {$400.00} extra for opening up both ( total {$900.00} ) direct deposit had to be setup for the checking and {$15000.00} had to be deposited in my savings ( Account number : XXXX ) and kept for 90 days. Both activities were completed by me on XX/XX/XXXX. 

I received the {$300.00} bonus for the checking approximately 15 days after verifying that the coupon code had been entered in correctly. On XX/XX/XXXX ( approximately 4.5 months later ) the money for my savings account bonus+extra bonus had not been deposited into my account. It should have been deposited 15 days after meeting qualifying activity ( approximately XX/XX/XXXX ). I called and created a complaint ( XXXX ). On XX/XX/XXXX a Chase investigator, XXXX, left a voicemail stating to call them back with no other information. I called back the number the same day ( XXXX ) which was a general number and not a direct line. XXXX did not have a direct line but the customer service reps said they saw that the notes stated XXXX was working on a resolution. It appeared I had met the terms so they asked me to just wait. I called back again on XX/XX/XXXX, hoping I could get in touch with XXXX directly, but received the same response and that it would take one to two weeks and to just wait. I wanted to get a hold of my investigator but since there was no direct line they were unable to transfer me to her. On XX/XX/XXXX I called in and was then told that my case had been closed on XX/XX/XXXX with no explanation as to why-even though I was told on XX/XX/XXXX they were still working on my case. XXXX still has never called me back even though I have contacted customer support three times and spent hours on the phone. 

It has been more than 6 months and I have still not received my bonus. I followed all terms in their fine print, I created a complaint, was unable to contact my investigator directly, and had my complaint closed for no apparent reason and without explanation. I am hoping you are able to help me with this as I feel I am being completely ignored in this manner, thank you.
Consumer complaint received 2024-02-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (IN)

They sued me for a debt thats exceeded the statute of limitations in the state of Indiana. Ive received no notification of the debt, and the court records even state that they never could serve me. Now they have a garnishment order through the court. I was never served with order to appear and did not know about this until I received a garnishment order.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (NJ)

card XXXX been here for 26 years. it appears someone in my home used my card this card ordered a computer. with my card. i dont know if they inputted it in XXXX XXXX or what no computer is here i believe they ordered it as if it was me and then picked it up if it ewas delviered. this is FRAUD i called it in on XXXX today now showing showing CLOSED investigation i show no new card. what is happening? i provided possible names. i did not order it. i have left messages for person i suspect i provided no details to XXXX XXXX please investigate credit and issue new card
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Recently my mortgage loan score, auto loan. Dropped after XXXX money was paid i early XXXX. They just did an evaluation an my credit score didnt move. Mind you i was only XXXX in debt. Paid half of that debt off. To include i make XXXX by myself not including my spouses XXXX she makes. How is it that my scores are XXXX, XXXX, XXXX. Ive reported indentity fraud to the bureaus with evidence of it an they still hold this information as a liability to my credit. I collect retirement from 20 years of the military and i currently work how it is possible for my credit to be so low. I need this situation investigated because they poorly managing my credit and because of it as just retiring last year as a XXXX  veteran I can't buy my family a house of their own, a suitable loan for a car an be comfortable from after defending my country.
Consumer complaint received 2019-10-31
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. (TX)

Recently my mortgage loan score, auto loan. Dropped after XXXX money was paid i early XXXX. They just did an evaluation an my credit score didnt move. Mind you i was only XXXX in debt. Paid half of that debt off. To include i make XXXX by myself not including my spouses XXXX she makes. How is it that my scores are XXXX, XXXX, XXXX. Ive reported indentity fraud to the bureaus with evidence of it an they still hold this information as a liability to my credit. I collect retirement from 20 years of the military and i currently work how it is possible for my credit to be so low. I need this situation investigated because they poorly managing my credit and because of it as just retiring last year as a XXXX veteran I can't buy my family a house of their own, a suitable loan for a car an be comfortable from after defending my country.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This company is in violation of the Service Members Civil Relief ACT this also covers accounts that were obtained prior to service and during service and while in a XXXX XXXX. At the time of purchase not only was I on XXXX XXXX but I was also in XXXX. My father purchase the vehicle on my name. The company has lied stating they did not find my information on the XXXX XXXX XXXX XXXX XXXX XXXX, however when I did a search for myself I found it.
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

So there a charge on XX/XX/2018 that was not authorize by me for XXXX for XXXX XXXX and I let navy federal know about it and nothing was done also I had ACH charges to account that I never have or used that I disputed and I was told nothing is going to be done by it I want my money back
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

Hi, Im writting this report since today I found out JP Chase closed my credit card account for absolutely no reason. What bothers me the most is that it was my favorite account, which I believed I had the best relationship with, I never missed payments, I kept my balance always under the limit, I honestly felt betrayed by this institution. I understand banks have the right to close any account but for no reason is just painful. 

Thank you for reading.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've been sending letters to Transunion regarding my issue for a while now but I still haven't gotten the results I'm seeking. Theres a number of errors and accounts that do not belong to me on my credit report. Having them on here is ruining my credit score and holding me back in life. Additionally, it takes up to 30 days each time just to hear back from them. I know this is standard procedure but it's a really painstaking wait each time and the accounts are still reporting. Thank you in advance for your help with this matter.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

The CFPB has also gone after the financial institution for wrongful practices with mortgages. That includes customers who were charged fees when they shouldnt have been or loan holders that were unfairly turned down when they requested modifications to their loan to avoid foreclosure. 

Wells Fargo Bank did not modify my loan and had my home foreclosed and I had to file XXXX XXXXXXXX bankruptcy. 
XXXX XXXX : XXXX Loan Balance in XX/XX/2012 about XXXX
Consumer complaint received 2020-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (VA)

I bought a car from XXXX XXXX in XXXX va in XX/XX/2020 with the understanding that I was trading my vehicle in at the time. The dealership approved a separate car loan and stated the insurance would take my vehicle that was damaged that was not the case. I now have two car payments I am unable to afford and unable to afford an attorney even though they committed predatory lending.
Consumer complaint received 2019-10-31
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. (PA)

I am writing to dispute these inquiries : XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019. These actions were initiated without my consent to the following companies. These inquiries are not factual since I never authorized them.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

The account I 'm requesting to be deleted from my credit file is from back in 2012 it was a timeshare loan the account was closed and reported that it was paid with a {$0.00} balance. Please delete!!!
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NY)

My account has been closed for the better part of a month, and I have been asking for a return of my positive balance on my account to be issued and despite numerous attempts, the monies are still sitting in this account. 

I opened my XXXX XXXX and was happy with the card, until out of the blue the company put a hold on my account, advising me that they had to verify my identity, despite opening my account with my drivers license. I would note that my wife was not requested for her drivers ID and her account is still active. 

I filly paid of all of the charges on my card, but I could speak to anyone about my hold on my account, and in general I found the staff to be incompetent. No one knew what was wrong and or was able to assist me, so I simply decided to close my account which I did. 

There after there were a few refunds posted to my card from merchants, and despite these refunds posting weeks ago, XXXX XXXX still has not returned my monies to me and is rather collecting interest on these monies and despite the complaints I have filed, there is no response provided to me. The last time I spoke to XXXX XXXX, where my calls was constantly been dropped, or I was cut off ( it took over an hour to speak to a supervisor, and over 5 phone calls ) was XX/XX/XXXX.
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, XXXX, XXXX XXXX doesnt want to refund me they keep telling me to call my bank and chase denied my claimed without reviewing any of the attached i submitted which isn't fair from both parties, i don't have my item or my money very unprofessional.
Consumer complaint received 2019-10-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In 2015, my aunt opened a XXXX XXXX account in my name, using my social security number and address. 
I have disputed it many times with creditor, Portfolio Recovery, however my aunt is making payments so they will not dispute it. 
I have cleared it from my XXXX and XXXX. 
But XXXX denied my dispute and only updated the new amount owed that my aunt, XXXX XXXX, has paid. 
This is identity theft and fraud! It continues to hurt my credit score.