davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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)

I was able too check my cr on a daily basis I signed up for cr monitoring then my cc got declined then Experian flagged my SSN too all credit bureaus all because I stop using there monitoring service now they want me too verify my identity again.
Consumer complaint received 2023-01-09
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have sent several dispute letters asking XXXX to send me written verification from debt collection XXXX XXXX XXXX, I have not received. Also, XXXX is reporting is collection as an open account which is not under FCRA compliance.
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NY)

OnXX/XX/XXXX I visited the Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX. Prior to my visit, I had done my research on the different account types and their bonuses. I decided to open a Chase Checking account, but I was unsure as to which one I would pick so I decided to see if the banker could help me. Upon visiting the branch, I spoke to XXXX XXXX, one of the bankers working that day. I told her that I wanted to open a Chase Checking account and that I had a coupon code. She took my info and filled out an application for a Chase College Checking, since I just started college. After the process was complete, she told me that I just had to make sure to have a direct deposit made to this account totaling more than {$500.00} within 60 days in order to receive my {$200.00} bonus. On XX/XX/XXXX FAFSA sent a tuition refund as a direct deposit of {$750.00}, which more than satisfies the terms. However, Chase website said I would receive the bonus within 10 days. When I did n't receive the bonus, I called Chase customer support, and they informed me that the coupon code was never applied at account opening. When they tried to open it, they were unable to so they redirected me to the branch that I had opened my account in. When I went to visit the branch the next day, the banker told me that I was n't eligible for the coupon code, because I was n't a new Chase bank customer. When I asked her to explain what that meant since this was my first and only account with chase, she just said the same thing again. I left the bank and called customer support once again later that day explaining the situation, and they transferred me to a higher up. She then informed me that my the coupon code could not be applied to a Chase College Checkings account, but rather only a Total Checking Account. I then tried to explain that the banker assured me I would receive my bonus as long as I had a direct deposit made. I was then told that there was nothing they could do, and it was the branches decision whether or not to reward the bonus. After reviewing all of my steps, I do realize that part of it is my fault for not researching well enough. However, I do believe that I was purposefully mislead. The supervisor I spoke to informed me that at account opening, the coupon code would not have worked since the type of account I was trying to open was ineligible. However, the supervisor also says that the system will inform you if and when the coupon is n't eligible. Instead of telling me, the banker proceeded as if there were no issues and allowed me to open the account.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (TN)

I have been using American Express Serve for a while and I have never for ones violated the agreement or policy of the bank. But I tried logging into my American Serve account ( XXXX ) on XXXX XX/XX/2020 and I was prompt with a login error. I called the American Express customer care representative immediately and I was told my account is permanently closed due to the {$1000.00} that got into my account through direct deposit and the money is been returned back to the sender. It was a refund done by American Express to one of my family member and it is now returned back to American Express again just after he signed an agreement to get the money sent into my American Express account. Permanently closing my account because of a direct deposit of {$1000.00} done into account is wickedness, and the customer care claimed my account is permanently closed and nothing can be done about it, whereas the money is also returned back to American Express. This money is not mine, and it is meant to get to the owner. I can't be {$1000.00} indebt in this present time of hardship here in the US, the person in question is unemployed due to a XXXX  XXXX condition, and I'm retired. Please, kindly get the money back so that the owner can kindly have his money. Even though my American Express Serve Account remains locked, I don't care ... just get the money back to me. 
Thanks
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CO)

I made an online purchase when I figured out that a company is scamer I cancelled the agreement with them, so they refunded after that I saw the refund in my bank account i mean the number, i called my bank they said i had the refund in my account but i couldn't use the money, I made a claim with my bank, i went to understand more in a bank brunch, they said wecan not doanything they kiked me out of the branch, after few days they said i spent the money even the bank statement shows that all my purchases were after transfering from my saving to checking, i called my bank again they said i spebt them, after few days i received a letter from them saying the claim is closed
Consumer complaint received 2022-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (CA)

BEWARE - Explore Credit charges over {$3500.00} in interest on a {$500.00} loan! Explore Credit charges 759.52 % interest on a {$500.00} loan. Payments are auto-deducted, and total payments are {$4000.00} on a {$500.00} ( XXXX XXXX XXXX ) loan!!
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX paidoff {$140.00} XXXX purchase {$5.00} XXXX autopay on XXXX balance {$25.00} XXXX XXXX XXXX XXXX They refuse to put funds back in account. Told them they were not authorized to autopay on my XXXX balance. She hung up. I want money back in account. Charge them interest for use of money.
Consumer complaint received 2021-06-29
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. (NY)

I sent a letter to Transunion To investigate inaccurate information in my credit report they said was verified accurate Showing that they are not investigating anything A a violation of the credit act Also isnt any signature from my in one of this contracts from acceptance now that I dont recognize. How is verified if is no signature XXXX XXXX didnt provide this proof either And all this accounts dont match with the last date active In either of the credit bureau agencies There are many FCRA violations And Im tired of complaining and no solution No signature in contracts and how this is verified? 
Anybody could do that contract with acceptance now or XXXX XXXX This Bureaus are not investigating anything
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did a online credit report today XX/XX/XXXX with Transunion and it shows I worked at XXXX with verified date of XX/XX/XXXX. That is incorrect information because I NEVER worked with XXXX company in XXXX XXXX nor USA. 
How can that be clarified and corrected?
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A. (FL)

I have been a customer of The Home Depot at least 5 years, in good standing. However, I received a letter in the mail dated XX/XX/2018 stating that my account was now closed ( i.e., the entire {$140000.00} credit line ). Within a week or so of receiving this letter in the mail I called The Home Depots credit department to inquire a little further, because the reasons provided in the letter for the most part did not correspond to the actual findings in my credit bureau profile with XXXX. At that point I was informed that the card was actually closed due to inactivity. However, the letter I received from Home Depot said nothing about inactivity being a factor. The letter only referred to information that they received from XXXX XXXX XXXX XXXX. I then asked The Home Depot representative if my card can be reinstated, since it was just recently closed for inactivity, as I was indeed going to use for home improvements that I had put off for a little while due to among other things a very hectic schedule in my household, one of which included my pursuing and completing my XXXX just recently. 

The representative informed me that there is NO WAY my account could be reinstated, and that I would need to reapply for credit. I was also informed that I should take the issue up with XXXX regarding the information in my credit profile, which is what they also used to base their credit decision. I informed The Home Depot representative that I was so perplexed about the reasons they listed on the letter they sent to me that I signed up with XXXX XXXX  to assist with this issue ( among other things ). The paralegal from XXXX XXXX was also perplexed about the reasons the Home Depot stated in the letter ( e.g., insufficient length of credit history, number of accounts with delinquency, and so on ) because it did not correspond with the information they reviewed on my XXXX credit profile. Additionally, the XXXX  representative also informed me that the reason the information did not match was because there was another individual with the middle name XXXX ( my maiden name ), but with the same first and last name as mine, that may be causing the discrepancy. The representative than informed me that he will notify The Home Depot to inform them that my account should not have been closed ( or something to that affect ). Then I discovered that there was another odd entry on my credit profile from The Home Depot ; So not was my account that was in good standing that was in good standing completely closed, but The Home Depot included an entry on my credit profile that stated the following : Affected by Natural or Declared a Disaster. Therefore, at this point I have decided to reach out to the Consumer Financial Protection Bureau to determine if there are any Fair Credit Reporting Act violations that I would need to have investigated with regards to this matter.
Consumer complaint received 2017-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

XXXX ID XXXX : XXXX Paypal is not allowing me to withdraw my refund. They are limiting my account and claiming that the funds are 180 days hold because of risk of chargeable or disputes. They are not because that was not a purchase I 've never sold anything on PAypal and the funds are simply my refund for a purchase I 've made and I demand the money back.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

Ally Financial reported that I had a history of payments 31-60 days. This was an auto loan I took out for my ex-husband XXXX. I always made timely payments. During our separation/divorce period he took over payments and should have the title and paid it off. If my credit is showing late payments due to XXXX XXXX XXXX, I need to know about this and see if I can do anything about it.
Consumer complaint received 2019-02-21
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 (TX)

On XX/XX/XXXX I noticed a charge on my debit card for a company called XXXX   in the amount of {$180.00}. I decided to contact the company and explain that I did NOT make NOR authorize a purchase from them and that I wanted my money back. 

I was told there was nothing to be done as it was handled by XXXX and that I needed to contact them. I contacted XXXX on XX/XX/XXXX and started a dispute. In doing that dispute the company sends XXXX a shipping update but says the item is intangible. How was it shipped then? What is it? I heard nothing else from XXXX. 

I decided to dispute through my bank since I saw the charge on my bank statement. My bank disputed the charge and on XX/XX/XXXX I was told that documents provided by the merchant shows the charge as valid and my dispute had been denied. I asked for the documents used and it was one piece of paper ( attached ) with some random numbers on it. I will be going into the bank and speaking with someone else regarding this matter as well. I have even offered to file a police report. 

I emailed the company AGAIN about this matter after being told to dispute through paypal etc. and that email I sent on XX/XX/XXXX was ignored. These people are crooks and have helped someone steal money from my account and I'm still having to deal with this after all this time. My bank account is NOT in good standing due to this fraudulent charge as it over drafted me and fees were assessed. They will not help in any way and it's ridiculous that I have to do all of this for a charge I didn't make nor authorize.
Consumer complaint received 2021-06-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I submitted a letter from the alleged company ( Capital One ) which showed that the supposed debt/loan was not carried out by said company. I also contacted the credit agencies to dispute the negative reporting by Capital One and my credit score was amended because of that proof. However Capital One failed to resolve the dispute on their end or notify any collection agencies that the dispute was a result of their reporting error and closed the dispute using incorrect data. Capital One failed to note in their report that the car loan in dispute doesn't match the sales record of a car I did buy and paid off was in good standing ( I've had the title to the car since XXXX ). Capital One also failed to note that the credit card listed was reported stolen in XXXX or XXXX and could not possibly have been used to get a car loan. 
This whole mess with the collection agency is the result of faulty reporting errors by Capital One which also failed to act on a previous CFPB complaint ( this is not a continuation of that complaint ).
Consumer complaint received 2020-11-27
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: Experian Information Solutions Inc. (AL)

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account # XXXX {$160.00}, {$160.00} {$160.00} {$120.00}. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2019-02-21
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. (CA)

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$940.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (VA)

I got a letter from I.Q Data saying I could settle for a percentage of my balance. I gave them a call and we came to an agreement. I paid {$100.00} the associate told me I would have an receipt within the hour no receipt was ever sent to me then they claimed they dont send receipts. I asked for a letter stating our agreement and that the collection would be removed from my credit they assured me that it would be removed after full patent but didnt want to send me anything in written. I have called multiple times and talked to different people, all the associates were rude and disrespectful. I have started to record my conversations with them to cover myself.
Consumer complaint received 2022-09-14
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. (MD)

XXXX, Transunion and XXXX is reporting that I have a bankruptcy that is not mine I've provided documentation that proves they illegally put information on my credit report.
Consumer complaint received 2022-04-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint against Transunion for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me XXXX XXXX XXXX XXXX  I need TRANSUNION to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-09-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (VA)

I opened a new savings account with SunTrust. On XX/XX/XXXX I recieved an email stating that checks had been ordered for the savings account and were being shipped to me. I did not request any checks because I have no desire to spend the money from the savings account. I then recieved a follow up email saying the checks had been shipped. 
When these checks never arrived at my home, I reached out to SunTrust, they transferred me to the check company, who then transferred me back to SunTrust and then SunTrust once again transferred me to the check company. Finally on my last transfer to SunTrust, I was able to speak to someone who would take the time to look into the situation. 
I was told that a stop was being put on the checks that have been lost somewhere in the world but that anything already in process or anything that happens digitally due to this error would not be covered. 
I was then told I would recieve an email confirming the stop payment for these checks and I still have not received this confirmation.