davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I contacted the debt collection agency in an attempt to settle a debt. We came to an agreement that once the amount was paid and posted the company would delete the Tradelines from my credit report on all credit reporting platforms. My bank account shows this account was satisfied on XX/XX/202, I just pulled my credit report an the above mentions were still being reported on my credit report, however it states that the account were paid in full for less than full amount. They took the money immediately and took XXXX weeks to send a notice that they received the money. So they took the money but forgot to delete the Tradelines as agreed.
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX Account was compromised and made a purchase on XX/XX/2020, for {$120.00}. The item was a XXXX XXXX and the compromiser sent it to me as a joke. I contacted XXXX and they confirmed that my account was compromised and made a fraudulent purchase. They locked my account, disconnected my card, and wiped my purchase history. They told me to contact Bank of America. Bank of America opened a claim on my behalf but then simply closed it, claiming I was the one who made the purchase. This is further exacerbated that they closed my claim on " compelling evidence ''. This has made me very upset. They did not contact XXXX to see that my account was compromised and they refuse to refund me. I contacted XXXX again and they assured me that they are internally investigating my situation.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Total Card, Inc. (KY)

XX/XX/XXXX was the date if theft {$210.00} was amount XXXX was the location I contacted this company several times through the course of this to get it resolved each time I sent in paperwork I was told it would take 60 days. No one ever tried to contact me in between waiting each 60 days to ask for additional information. I was just constantly told it was not received. I contacted the BBB and the company said I never sent them the paper work even though I sent it with someone oven the phone who told me they received it and I sent it 26 times when the BBB investigation started.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

On XX/XX/2021, request a disbursement from my XXXX XXXX  account XXXX, registered in XXXX XXXX XXXX XXXX, for a value of {$35000.00} USD, with transaction reference XXXX, destined for my savings account registered in XXXX, this transfer was received by the international trade XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/2021, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me via email that the money had been returned, said return should be reflected in 3 business days again in my XXXX XXXX XXXX account., which to date is not reflected. 

Since that date, through phone calls and emails, I have requested information on the process of returning the currencies to my trading account. 

On XX/XX/2021, through a file, they sent me a proof document, where XXXX XXXX authorizes an intermediary bank to debit foreign currency for a value of {$35000.00} USD. 

The document that XXXX XXXX sending to the email, it only contains the transaction order, but not the location of the intermediary bank that would execute said operation, therefore, not knowing the whereabouts of the money, request the XXXX XXXX XXXX of XXXX XXXX which will track the location of the money. 

Through electronic means they sent me another document that contained the SWIFT address of the intermediary bank to which XXXX XXXX had authorized to carry out said operation, XXXX, CITIBANK N.AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The CITIBANK bank is located in XXXX XXXX XXXX XXXX they informed me by phone and email that since they do not have any type of financial service with them, I can not make any type of request. 

Currently the money is held in XXXX, CITIBANK N.A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The unjustified withholding of money has caused irreparable damage to my economy, starting from the loss of profitability that could have been generated during these months, the loss of my business and the bankruptcy of my company, the credit data report for the arrears and the debt that has become massive, because this disbursement was an integral part of my economy, being withheld for so long, I was financially suffocated and could not keep my economy standing, currently I still have payment commitments with the which I must fulfill, and this money is the only thing I have left.
Consumer complaint received 2021-04-09
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. (NC)

The following accounts are in litigation and I want them removed from my report and I give Experian permission to look into this and move forward : XXXX XXXX XXXXXXXX - Account number XXXX XXXX inquiries XXXX XXXX XXXX XXXX Companies Inquiry date : XXXX XXXX, 2021 XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/2021 XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/20XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX  XXXX XXXX date : XX/XX/2021 2021
Consumer complaint received 2020-08-31
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: Bread Financial Holdings, Inc. (FL)

I signed up for XXXX XXXX XXXX services using my Comenity Capital bank BJs credit card and it was only a trial to see if the services would satisfy me, which they didn't. I returned the phone to XXXX XXXX where the service was initiated and after that I continued to receive billing statements from XXXX XXXX XXXX despite my request to cancel service. Subsequently I visited a local XXXX XXXX XXXX office where I spent 3 hours getting the matter resolved and then filed a dispute with the credit card company and was told they would begin an investigation. This was back in XXXX or XXXX and despite my providing evidence that the service was cancelled and all charges should be refunded they have only credited my account with one of the charges, the lower one. I  have repeatedly sent secure messages via their website and all they do is write back asking me to call them which I have done and gotten nowhere. Thus they clearly have not handled the dispute as it should have been handled These are the dates and amounts charged : XX/XX/21 {$22.00} and XXXX {$45.00}
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX. XXXX XXXXXXXX Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-10
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: MoneyLion Inc. (OK)

MoneyLion claims I opened an account with them on XX/XX/2021 for {$1000.00}. I have never opened an account and know this to be fraud. I have disputed this account and each time they claim it not fraudulently opened. First they say I have made 2 payments in XXXX and XXXX and only owe {$450.00}. I have checked my bank statements from my only bank account and have never made any payments to MoneyLion. MoneyLion refuses to provide any answers as I am not a account holder but on my credit report says that I own the account. I have never received any information via mail, email, electronic communication or phone. I have never wet signed it electronically signed any documents pertaining to this debt or account.
Consumer complaint received 2020-11-02
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 (IL)

To whom it may concern, I have 2 accounts ( kohls & Capital One ) on my credit report I have tried getting them removed. Due to being fraudulent accounts. These fraudulent accounts do not belong to me, I have no knowledge of these accounts and I didn't receive anything dealing with neither of these accounts. I have file several FTC 's reports to get them removed and nothing. I have called customer service for experian and both of these accounts and nothing they can do to help me or get them removed. No one can give me an answer on how to get them out of my credit report. This is really have been fraustuating. I been trying to get them removed since XXXX, 2020. I ask for you support and help. I want these fraudulent accounts to be removed from my credit profile. I will file police report if I have too. 

Kohls {$640.00} Acc # XXXX Capital One {$830.00} Acc # XXXX
Consumer complaint received 2020-09-19
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX  - XXXX - XXXX XXXX XXXX   XXXX - XXXX XXXX XXXX XXXX XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX   - XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Through The Country Do - XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2017-12-11
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. (CA)

I have contacted XXXX Superior Court and they have advised they do not give out any information to the Credit Bureau, I have asked Equifax to Validate where they gotten there information and they can not. I have contacted and disputed several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now : Alleged Account at issue : DISMSD/CLSD XXXX Overview Reference Number XXXX Date Filed Reported onXX/XX/XXXX Responsibility Individual Alleged Account at issue : Reference Number XXXX Date Filed Reported on XX/XX/XXXX Classification Bankruptcy Responsibility Individual U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CITIZENS FINANCIAL GROUP, INC. (IN)

This company has blatantly violated my consumer rights and has not responded in 40 days. On XX/XX/XXXX my vehicle was stolen while I was out to eat with my family by a unauthorized third party that was not a witness to the contract and had no legal ties to the vehicle. The company contracted a company to perform a skip trace on me which was not in the contract and I didn't consent to. I was behind on payments due to the pandemic and was getting the money to pay. I had the vehicle since XXXX and never had the vehicle taken before. After my vehicle was taken I called the company to see how much I had to pay and where my vehicle was so that I could retrieve my belongings. I was denied this information unless I agreed to pay a ballooned payment that included extra fees which made the amount jump from {$1400.00} to {$2900.00}. When I came up with the money to pay I was told that I would also have to pay storage fees to the tow company. The car had already been there for 20 days and I couldn't pay that as well so no information was given to me. I was never given the name of the 2 unauthorized parties ( collection company and tow company ) until after the vehicle was already sold at auction. From the moment the vehicle was taken I have received no notice of repossession which I required by law. Also I never received any notice of resale of the vehicle which is required by law. I have received no information as it pertains to how much the vehicle sold for or a remaining balance, but it reflects on my consumer report. I notified the chairman 's office multiple times about these violations and no response has been given. Also I have still yet to receive any of the before mentioned documents even after I notified them. This company is also in violation of many consumer rights defined in the FDCPA and FCRA which I will attach in a separate document. This company does not care that they violate a consumers rights and will not give a timely response for something they know they failed to comply with.
Consumer complaint received 2020-12-09
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 — Problem with personal statement of dispute
Company: Solar Mosaic LLC (NY)

Solar Mosaic erroneously reported the account type as a mortgage as noted by XXXX instead of XXXX. The company agrees that the account type should be reported as a portfolio type = installment I and account type 9A secured home improvement. Further, the XXXX account does not constitute a lien on real property, this information can be found on section 7 of the loan agreement. The loan is secured by secured by a lien only on the Solar equipment itself we do not file a lien against the home.
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

On XX/XX/XXXX I reached out to the company I C Systems to Request a cease and desist On attempted collection of debt from XXXX because it is past statute of limitations for the state of Florida. Florida Statues State that the statue of limitation on store debt is 4 years - FL STATUTE 95.11.3 ( k ). Torte law calculates that the limitation is computed from the last date of activity on the account not the collections date. The account was from XXXX last date of activity was XXXX. After expressing my request for a cease and desist based on law I was placed on hold for more than 15 minutes. Eventually they returned and told me that they would not stop attempted collection and that if I wanted to put the debt on a payment plan I could. I informed them that they are violating Florida law by attempting to do that and was told that they do not practice law and that if they were violating the Florida statutes they wouldnt be trying to collect the debt. I have attempted to resolve this issue with XXXX directly however they have been acquired by XXXX and I was informed that I therefore have to dispute the debt with the collections company.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My loan was with XXXX Mortgage from XX/XX/2020 until XX/XX/2020. The loan was sold to Nationstar Mortgage effective XX/XX/2020 XXXX paid {$29.00} interest on my escrow account and reported the same to the IRS on a 1099 form. Nationstar Mortgage paid {$5.00} interest on my escrow account, however reported {$35.00} to the IRS on a 1099 form. THIS IS A MISTAKE AS THEY REPORTED WHAT THEY DID NOT PAY. As a result the interest I made on this escrow account has been falsely reported to the IRS, therefore it will screw up my tax return!
Consumer complaint received 2020-11-02
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)

Company advised minimums were reset during a family tradgedy additionally they were reported for sales and billing tactics that resulted in correction I was advised allow 30 days for correction to my CRAs I have been a model customer for years without issue and I did not start now
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 7XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-01-09
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: JPMORGAN CHASE & CO. (WA)

I have disputed a charge twice with Chase Freedom XXXX card. Each time, Chase fails to provide evidence of what the merchant is claiming- yet resolves the dispute in the merchants favor. 

I disputed a charge on my Chase Freedom XXXX card. On XXXX XXXX XXXX I purchased a stay thru XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX  The next day, XX/XX/XXXX, I tried to cancel the purchase but was told that I purchased a non-refundable stay. 

I was not aware that I purchased a non-refundable stay. Had I known, I would have purchased trip cancellation insurance which is very inexpensive. In fact, on XX/XX/XXXX, I purchased such insurance for another stay with another company, XXXX, because XXXX let me know in advance the trip was non-refundable. ( See accompanying attachments ). 

Chase has not provided proof that I agreed to a non-refundable purchase. I simply received a letter stating that the charge is valid and fails to provide evidence that I was aware that I was purchasing a non-refundable purchase per the merchant. ( See attachment ).