davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2019-06-03
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)

XXXX XXXX XXXX ( XXXX ) is an online service that provides free credit reports, tax preparation services, and offers for credit cards and mortgage financing. Among their partners are the credit bureaus TransUnion and XXXX. My credit reports are frozen at TransUnion and XXXX, as well as at XXXX. Yet XXXX XXXX has sent me messages about my credit card payments and usage, mortgage balance, and other information that should be soundly locked inside the credit bureaus.

XXXX XXXX is not authorized by me to access my credit information. TransUnion and XXXX are not authorized by me to share my credit information. So either XXXX XXXX is obtaining the information illegally or TransUnion and XXXX are violating the credit freeze and my privacy by providing my credit activity to XXXX XXXX.

If this is being done to me, it is almost certainly being done to others, exposing my data to a third party and, potentially, to bad actors who might hack into their servers. This is a violation of consumer protections, undermines the purpose of credit freezes, and deserves immediate attention.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (RI)

In XXXX of  2021 I applied for a XXXX XXXX  credit card as I was prompted to  before I paid for items I was buying because it said if I used a XXXX XXXX credit card I would get free shipping when using my XXXX card on items I purchase online at XXXX. 
Suddenly, this week, I received a letter from Wells Fargo XXXX XXXX XXXX credit card ) saying that they were writing to  let me know that they stated all the XXXX XXXX credit card benefits when they sent me my XXXX card and  they were now taking away : 1. Complimentary standard shipping for online orders and  that I had to  make {$2000.00} in purchases before I could get free shipping and  that was EACH calendar year. 
2. That they incorrectly informed me that this benefit and  others, including bonus point offers, private shopping events, and  dedicated 24/7 customer service were incorrect. 
3. Charges for standard shipping for online purchases and  in-store gift wrapping will apply until you reach Elite status.
Consumer complaint received 2021-11-17
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. (IL)

ive recently checked my report and notice a few inquiries that was not made/authorize by me XXXX is tarnishing my reprot and I will like these inquiries to be removed asap. 
XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021
Consumer complaint received 2019-12-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC (DE)

On XX/XX/XXXX at XXXX, a man named XXXX XXXX from Harvard Collection Services called me asking to verify my name, social security and birthday, which were all correct, but I refused to verify the information because I do not owe any money giving XXXX no reason to call me and ask for verification of private information. Just to be sure I had no outstanding debt's, I looked up any outstanding balances which appears on my XXXX account. After seeing that in fact, I do not owe any money at this time, I called back and asked for the companies address, phone number, and name of the person with whom I was talking to.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

We have started a short sale with OCWEN ( mortgage servicer ) & it 's been almost nine months & they are not willing to work with the highest offer. The current buyer is offering 90 % of what OCWEN wants & OCWEN is still not accepting it. It looks like they are trying to foreclose instead of working with short sale.
Consumer complaint received 2020-08-21
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: BARCLAYS BANK DELAWARE (CA)

A charge was made on my Barclays XXXX in XXXX which I disputed. by calling the number on my card. They said they couldnt resolve at that time, to call again during business hours. I did so the following week, they said they would forward my complaint to to the fraud department. I called again, they said they never got the complaint. I called again, was on hold for over 30 minutes, operator came on, call immediately disconnected. Variances of this continued to occur from XXXX to XX/XX/2020. I cancelled my card in protest because I told them I lost trust in their services and are practicing predatory lending as I continued to receive bills with late fee charges. In XXXX I was told I needed to send my statements to the fraud dept. I asked why they couldn't do it, it is their own system. They gave some convoluted response. Information faxed to them three times, each time I call after it is faxed they tell me I have the wrong Fax number. Everytime i am on the phone with them it is a 15-20 minute wait time, then another `5-20 minutes of the same questions and silence about account numbers, and who I need to speak to, but when transferred, call is dropped. I have done everything they have asked, done my due diligence, and they cont to charge me late feels on a XXXX dollar charge I have been disputing for seven months. It has affected my credit score in a negative manner and they have no intention of resolving it and continue to drag it out without even so much as a case number. For XXXX  months. Over a XXXX dollar charge. I now have XXXX dollars in late fees and a credit score that has dropped XXXX points because of them. 
FAX numbers given by their 'customer service ' people include : XXXX also XXXX and XXXX first fax bounced. Called barclays, they said it was the wrong number, given second number which went through. No response for 4 days. Called XXXX, told I had to call back during business hours because the fraud dept was not there. Called again, spent 23 minutes on the phone, given the third number, put on holds intermittently for up to 7 minutes at a time, then disconnected, again. This is affecting my credit rating and judgement by other lenders during a pandemic and it is not okay. XXXX
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have received a letter from CapitalOne saying I am pre-approved for the quicksilver credit card. My credit score is stellar, I have never had a missed payment, credit card utilization is 3 percent, 3 car loans are paid, all is sweet. the score is about XXXX. 

I applied and got denied. I called them and they sent me a letter saying " two many revolving accounts '' and this is not true. I had many accounts before covid, but when Covid started I closed several credit cards, paid all in full. I was scared that we might get into a bigger trouble with the pandemic. 

I decided to stay just with 2 credit cards instead of 10 I used to have, but Capital-one red-flags me on this basis. So, they received my credit score via soft pull, included me into the targeted list, sent me an offer, I accepted, they got the same credit score via hard pull, and they denied me. 

this is a rip off. Had I had any troubles on my file I would be able to understand the attitude, but since nothing has changed on my score for years, I can't tolerate it. 

last but not least - 2 years ago I filed a complaint about capital-one via this agency about the business credit card, they called me and apologized after the investigation. I think they included me to the list of " trouble-makers '' and do not want to have me as a customer. 

Why they sent me a " pre-approved '' letter in this case is they mystery for me. 

once again I want to accentuate - nothing has changed on my score. It has always been in the stellar range, they just do not want to give me a card. It is unfair. 

XXXX XXXX
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

I Went to court on this collection account with Lvnv funding in XXXX in XXXX XXXX XXXX. The plaintiff did not show up so the judge dismissed it. I thought that they would update or remove the collection as per the judges statement but this never occurred. I did not receive anything from the court after the judgement, I am asking for both of the collection acts with LVNV to be removed.
Consumer complaint received 2022-02-17
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. (FL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

Completed a loan modification with XXXX XXXX in XXXX. As part of the process XXXX started foreclosure proceedings, however completed loan modification instead. No fees for foreclosure were charged to me because XXXX chose to complete modification. In XXXX XXXX sold my loan to Seterus Inc. Seterus has been demanding that I pay a significant amount in fees and penalties. After multiple requests from me Seterus finally sent me a breakdown of these fees, showing that they are related to foreclosure procedures by XXXX. Since XXXX completed my loan modification, these fees can not be charged to me as XXXX did not charge me. 
Documents available on request.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

I canceled my internet service with XXXX  on XX/XX/XXXX. I returned the equipment on XX/XX/XXXX in its XXXX office with a Receipt No. of XXXX. XXXX  sent me to a collection agency, I.C.System, Inc. ( ICS ) under Reference No. XXXX, two years later. I never received any correspondence from XXXX  prior to this collection letter about the fact that XXXX   has not received the equipment from me. 

I called ICS today, XX/XX/XXXX, and told the representative I do not owe XXXX  anything because I returned the equipment. She said that if I do not pay, that come XX/XX/XXXX, I will see a negative report on my credit history. She did not ask about any other information, or if I have any proof of returning the equipment. 

I then called XXXX and spoke to XXXX, XXXX ( XXXX 's supervisor ), and XXXX ( ID XXXX, XXXX 's supervisor ). All three of them said, the best they can do is send an email to see if they can find the equipment. They can not really contact the collection agency or stop the negative report on my credit history. I can just dispute the negative credit report from the three credit agencies once it shows on my history.
Consumer complaint received 2018-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (SC)

I have tried numerous times trying to contact this collection agency Commonwealth Financial. This company has placed 2 medical debts on my credit reports that do not belong to me. I previously disputed these same accounts and completed a fraud affidavit. The accounts were removed and now this collection agency has placed them back on there.
Consumer complaint received 2020-08-21
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery is been calling twice daily for the past 4 years from different phone numbers, I have to blocked them. Tired of them for a Bill that someone stole an XXXX account and used and it was not me. I told them and they put it in my credit
Consumer complaint received 2020-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/2020 my stimulus check of {$1700.00} was deposited into my closed TD bank account. Ive reached out to TD bank on XX/XX/2020to verify that my account was closed and to see if they sent the {$1700.00} back to the irs they said the money was sent back but could not give me a date. On XX/XX/2020 the irs ran a trace on the money and it shows that td bank still has the money. I reached out to td bank again on XX/XX/20and spoke to the manager at the XXXX CT location who said he reached out to the ACH department and they told him the money was sent back. I called td bank again onXX/XX/20 to find out why the irs has yet to get the money back I asked them when was the money sent back they could not give me a date as to when the money was returned to the irs.
Consumer complaint received 2020-08-21
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. (GA)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2018-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX, XXXX, XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX XXXX  and Experian. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX   XXXX and Experian. They are in denial and I want this fraudulent inquiry removed. 

XXXXXXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXXXXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 


I have a fraud alert on my account that states do not run credit or extend credit without contacting me personally, so I don't understand how these companies got away with doing this without my consent. I'm requesting removal of these fraudulent inquires and an updated credit report from all three Bureaus. Thank you
Consumer complaint received 2021-03-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (TX)

I attempted to close the account on XX/XX/21 which was the date they are to post interest for the prior month. They would not include the interest for XXXX when I asked for it to be closed at the end of the day. I could not schedule the closure for XX/XX/21. I had to come back to close the account the next day. 
I closed the account as they have severe limits and additional charges on being able to transfer funds. The closing process has tied up my funds for an additional 12-15 days befor I can get a check and I must then must go through the delays of waiting for the check to deposit and clear at my new bank. This is clearly a practice to gain the maximum float on my money by Citi. 
Due to their restrictions of $ XXXX per day XXXX $ XXXX per month, I could not do this reasonably paying for a wire transfer fees of {$25.00} per transfer. Dealing with Citi gains no acknowledgement of their deceptive and predatory procedures. There needs to be public warnings on their processes.
Consumer complaint received 2018-06-30
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. (SC)

XXXX Credit Bureau has several items on my credit report that is not accurate. I have sent over multiple disputes some have been removed while others remain on my credit report. The inaccuracy of my credit report is creating me not to purchase a home, as well as affecting any other possibilities that I have in establishing more credit. I feel that the Credit Bureau has discriminated upon me with correcting my credit, creating great hardship for me to maintain housing and other credit dependency needs. This correction needs to be resolved immediately so that I may be able to have an accurate credit score along with improving my score in which the credit bureau has reported inaccurate for the past 24 months.
Consumer complaint received 2019-06-02
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Some 3rd party fraudulent XXXX account made more than a dozen unauthorized transactions ( total close to {$20000.00} ) into my Chase savings bank account. These transactions spanned over a period of 6 months ( XX/XX/2018 - XX/XX/2018 ). 

Upon reporting ( on XX/XX/2018 ) to Chase bank about the fraudulent transactions, Chase returned roughly {$1800.00} back which fell in the first 60 days of the first unauthorized transaction. Chase notified me that they are not able to recover any additional funds beyond first 60 days because they have liability for 60 days only and that ideally I should have called them within first 60 days of the first transaction. Since then I have added additional alerts on my bank account to monitor it more closely. 

I called XXXX right away and reported those same transactions almost the same time as I reported to Chase. XXXX requested me to go back to Chase bank and ask Chase Bank to file ACH return request. XXXX assured that as soon as they received the ACH return request from Chase they will return all the remaining funds back to me. 

After multiple follow ups, Chase finally filed ACH late return request to return the funds to the originating bank. However, Chase filed these ACH late return requests with XXXX XXXX ( another bank which had pulled the money in the first place ) and not XXXX ( who is the merchant ). Multiple Chase bank representatives assured me that this is the right way to do it and this is the only way Chase bank can do it. 

It's been more than 2 months since the ACH late return requests were made to XXXX XXXX but they have not responded. Chase Bank waits for 2-3 weeks for XXXX XXXX to respond and after that makes a new request to recover funds. However till date XXXX XXXX has not responded and I have not received my money even though XXXX have told me that they will return all funds. 

I keep following up with both Chase and XXXX every 1-2 weeks but I'm not getting much luck with either one of them. Often times I get different confusing answers from both Chase and XXXX. 

Many tell me that the fact that XXXX XXXX is not responding to Chase is not normal. One bank   ought to respond when the other is trying to talk. 

I need help from Chase, XXXX and XXXX XXXX to get my {$18000.00} back.
Consumer complaint received 2017-06-04
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. (TX)

XXXX   XXXX   were removed from my account the re added with new dates and now I 'm being sued what can I do this is a charged off account from original creditor