davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I filed a dispute with Capital One. 

I attached a copy of the rental agreement. The rental agreement clearly states : Cancellation policy : Any deposits, rent and fees paid shall become non-refundable if the reservation is cancelled by Guest In this case, the reservation was NOT canceled by the guest ( me ), but by the owner of the unit. I am attaching the email that came from homeaway that clearly states : Unfortunately, the property manager had to cancel your reservation in XXXX, FL, XXXX for XXXX XXXX, 2020 XXXX XXXX, 2020. 

XXXX  site does allow for an owner OR a renter to cancel. If I had wanted to cancel on my end, I would have clicked on the site to cancel. I did not do that, which is why the email from XXXX states that the property manager had to cancel your reservation I would NEVER have clicked to cancel the reservation without a refund, because I would have let my sister and brother in law stay there without me as I stated in my previous letter, the reservation was for 6 adults including them. 
The owner chose to cancel the reservation, which is clear from the cancelation email. The contract only states I get no refund if I cancel which I did NOT do. Never in any of my emails / chat to the company did I ask for a cancelation without a refund. 
The owner did not fulfil the contract and canceled on their end which entitles me to a full refund. 

This seems to happen a lot with Capital One. The murchant responds and then the company " closes '' the complaint. I spoke to a manager who said he was the " final '' person I could speak to despite me having documentation that I did not cancel the stay.
Consumer complaint received 2019-05-13
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: EQUIFAX, INC. (GA)

I can not wholly blame Equifax for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, Equifax could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at Equifax conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A. Loan for my family and I. These are  inquiries that do not belong to me. 

These are some painful and regretful errors. They are causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. 

Again, I am not totally blaming Equifax for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 

1-XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX 2-XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New  3-XXXX XXXX XXXX # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-XXXX XXXX Inquiry from XX/XX/XXXX 6-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX  Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX I Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 12-XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 14-XXXX  XXXX Inquiry from XX/XX/XXXX 15-XXXX XXXX Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-XXXX  XXXX Inquiry from XX/XX/XXXX 19-XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 20- XXXX XXXX Inquiry from XX/XX/XXXX 21-XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23- XXXX XXXX   Inquiry from XX/XX/XXXX 24- XXXX XXXX Inquiry from XX/XX/XXXX 25-XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I contacted an individual on XXXX for concert tickets sometime early XXXX. The person had an account that seemed legit and answered all of my questions. This person fooled me into thinking I would exchange cash for the tickets as agreed upon. I asked this individual for the required information and for pictures. Once we made an agreement, I transferred the money on XX/XX/2019 and this person did not send me anything. In fact, the person disconnected their phone number and deleted their XXXX account. I was not able to get my money back as I sent the money through Chase XXXX. I did not know that Chase XXXX did not protect against this. I want a resolution to this and I want to ensure this situation does not keep happening to others.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

First they cut off my card because they said that I filed too many claims. Even though they were found in my favor they still canceled my card for a year. Now I filed a claim on my husband card because I have a joint account, they said that they sent paperwork requesting information and through their app inbox. I advise them that we never received it. I told them that I never received any of my items from XXXX 'XXXX  and that I needed to file a dispute. I went to the store to get a refund they gave me my receipt but I never received my money. When I filed the claim I offered to sent that info and they said no. I was told that they never sent it thru the message center. They said they sent it in the mail but I never got it. They threatened to close my claim. I finally sent them the paperwork they need and I have received 3 different timeframes as to when the claim will be completed.
Consumer complaint received 2020-06-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Midwest Recovery Systems (LA)

Midwest Recovery Systems reported a debt from a payday loan i have no knowledge of. When asked to provide a copy of the contract, none provided, I have never had an account with Midwest Recovery, nor XXXX XXXX, this account appears on my credit reports, XXXX, and XXXX. Midwest Recovery violated FCRA, and refused to validate this debt and continue to report this debt,
Consumer complaint received 2021-04-22
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: Consumer Portfolio Services, Inc. (MD)

After noticing an entry on my credit report from Consumer Portfolio Services , Inc. ( CPS ), I disputed it. The dispute was sent to all three ( 3 ) credit bureaus, as well as CPS directly. I did not receive a response until after I filed a complaint with this agency ( please see their response attached ). I followed the instructions provided in their response which reads as follows : " ... If you still insist this is a matter identity theft, please file a police report with your local police department and send it to our Credit Report Response Team for investigation at Consumer Portfolio Services , Inc., Attn : Credit Report Response Team, XXXX. XXXX XXXX, XXXX, CA XXXX ... '' I sent another letter, with police report enclosed. I then received a vague response, not remedying the problem. I replied with another letter asking for clarity. More specifically, what outside of the police report they requested, do I need to have this entry removed. They did not reply. Therefore, I still lack the clarity necessary to remove this fraudulent entry from my credit reports.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (GA)

This complaint regards : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX I have several old/closed accounts with " XXXX XXXX XXXX  '' on my XXXX credit report. One of the accounts was shown as derogatory since XX/XX/XXXX ; but the remaining three accounts had always been showing in good standing, but now those remaining accounts are showing " derogatory '' as well. These accounts are now being reported as being included in a " Chapter XXXX wage earner plan ''. This is false/incorrect reporting.These accounts have NEVER been derogatory and I need XXXX XXXX XXXX  to correct this issue immediately. 
I spoke with a XXXX  representative and I was told that they report whatever a creditor reports to them. I called XXXX XXXX and my call was forwarded to a customer care representative who looked at the accounts in question, but was not able to do anything, as the credit reporting department was not available. A copy of my XXXX  report showing the accounts is attached. One copy ( XX/XX/XXXX ) shows the accounts paid in good standing, and one copy ( XX/XX/XXXX ) shows the accounts in a derogatory status. I did not dispute these accounts, so no change should have occurred on my XXXX  credit report ; XXXX XXXX should not have reported this information to XXXX.
Consumer complaint received 2016-06-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Purchased dream home in XXXX XXXX with Countrywde. In XXXX XXXX was contacted by By Broker XXXX XXXX XXXX for lower payments, refinanced my husband ( XXXX Vet ) into another conventional loan ( XXXX XXXX ) with New Century Mortgage ( Bankrupt NC ) .in XXXX. XXXX Payment was due to XXXX in XXXX, but was notified in XXXX That it had been sold back to Countrywide and we would make our payments to Countrywide. XXXX my husband begin to get sick and got hurt on his job XXXX. Got behind on payments and was struggling to make ends meet. In XXXX XXXX signed a reconstruction/with Deed in Lieu of Foreclosure and a payment of {$1700.00}. My husband signed this on XXXX, XXXX and on XXXX, XXXX, the XXXX XXXX In served us with Foreclosure papers. We now know this as the famous Dual Tracking. We were stunned, and that 's when our almost 10 year nightmare began. From XXXX XXXX, we have had XXXX attorney 's and several who said they would n't touch it XXXX, several who have said that there was a conflict of interest because they had worked with the Broker, Title Company, and Now XXXX XXXX XXXX, who supposedly purchased the loan in XXXX. We have been through XXXX bouts of Foreclosures and XXXX Chapter XXXX Bankruptcy. Plus XXXX different Loan numbers all on the same house. The Title Company was closed by the FBI, the title company owner is in jail, and his wife who was his notary signing agent has most likely gone to jail by now. They were XXXX XXXX and XXXX of New Age Title. Also ran a XXXX business out of the same location in XXXX, In across the bridge XXXX. The Broker was hired by XXXX XXXX XXXX who offered us {$10000.00} to get lost in XXXX. We knew that everything was terribly messed up, but no idea until the second Foreclosure in XXXX. We presented title work, and had a private investigator to trace from the beginning of XXXX XXXX to XXXX XXXX. We presented our facts in our Foreclosure Hearing in XXXX XXXX, with the Pooling and Sevicing Agreement for XXXX and was told by Judge XXXX of XXXX XXXX, In that it was Hear Say, and if we did n't have the XXXX that Deustch Bank was Foreclosing on, we had to surrender and vacate the house, because we had lived there for 7 years and had n't paid a thing. We had spent our money on attorneys, this mess forced my husband into XXXX from the XXXX, and I was already XXXX since XXXX. We were too tired to fight another day. We vacated the house in XXXX XXXX, we moved XXXX and was homeless for a month, but thanks to a couple here XXXX who looked pass our circumstances let us rent a furnished XXXX bedroom condo. My husband has never been able to use his VA Certicate for housing, and it does n't look like he will ever be able to use it. Our belongings are still in a Pod Storage facility XXXX, his health is again failing, and our credit is tore up. This is n't what we thought we had planned for our last years, the stress of this 10 year ordeal has taken a toll on us XXXX.
Consumer complaint received 2021-07-13
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. (TX)

DISPUTE LETTERS WERE SENT TO THE AGENCY AND WERE DELIVERED ON XX/XX/21 AND XX/XX/21. AGENCY HAD 30 DAYS TO PLACE A NOTICCE OF DISPUTE ON THE ACCOUNT THAT WERE DISPUTED. AGENCY FAILED TO PLACE THE NOTICE OF DISPUTE ON THE DISPUTED ACCOUNTS.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I attempted to log into my account at TransUnion to unfreeze my credit. I was unsuccessful. I clicked on Forgot Password and then answered several questions to verify my identity. At the end it said it could not verify my identity, even though I know all my answers were correct. I then attempted to call the number given to talk to a support team member. The message said a 5 minute wait. After 16 minutes I hung up, because I had to get back to work. 
I called another number TransUnion had for unfreezing credit via an automatic voice system. This was unsuccessful and then put me on hold again for a customer rep. 
I tried a few more times to access on line and was not successful.
Consumer complaint received 2019-05-08
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. (NV)

Hello, I'm XXXX XXXX. I plan on getting married soon and my beautiful fiance ' pull my credit report. And to my unpleasant surprise, there are accounts/collection/inquiries listed on my reports that i have not a clue about. Please assist me in removing these items from my report as they are results of identity theft. 
Best Regards.
Consumer complaint received 2018-06-11
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that this case is part of case # XXXX 1.I encountered terrible financial hardship back in XXXX. 
2. I applied for a loan modification for my home wich was financed with Wells Fargo. 
3. I wrote wells Fargo mortgage company requesting that they assess my XXXX mortgage loan to fair market value which appraised at XXXX. 
4. Wells Fargo initially verbally agreed to do it as per the VA loan counselor XXXX. 
5. For unknown reasons, Wells Fargo changed their mind about the adjustment. 
6. I got legal counsel and obtained a lawyer in XXXX XXXX NJ XXXX XXXX. He advised me to file for bankruptcy and included the home at XXXX XXXX XXXX XXXX. 
7. I filed for bankruptcy in XXXX and it was discharged in XXXX. 
8. I recently applied for a VA loan but was denied because wells Fargo reported that they foreclosed on the above listed house in XXXX. 
9. Wells Fargo reported to the VA that they gave me a deed in lieu of foreclosure. 
10. Because of the unscrupulous acts and reporting from Wells Fargo, the VA has reported a debt on my COE. 
11. Wells Fargo mortgage has a long history of consumer abuse.
Consumer complaint received 2018-05-30
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. (MN)

In XXXX of 2018 I requested XXXX XXXX  and Equifax to validate the collections that they have reported on my credit report. XXXX XXXX and Equifax failed to send me any information that the collections belong to me. 

Collections that are being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-25
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: AMERICAN EXPRESS COMPANY (NY)

Americans express card charged my {$500.00} a year with a no limit credit card limit but instead the gave me {$4000.00} spending limit this was NOT they agreed to. I gave demanded a full refund for membership fee for the 7 years but the refused I have been con and discriminated against as other people with the America express platinum card have no spending limits. But I was not given the same treatment.
Consumer complaint received 2018-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

XX/XX/XXXX they took a payment out my account where they stated that my payments would be reduced to XXXX dolllars XX/XX/XXXX I called navient and they said that customer service got the payments wrong and the payment would be increased XXXX. 

They have gotten payments wrong on several occasions between XXXX and XXXX.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In XX/XX/XXXX  I noticed that there was an accurate and negative information reporting on my credit report. 


According to the fair credit act law my brace was violated.

15 USC 1681, section 602 states that I have the right to privacy.

15 USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S Code 1681a - definitions ; rules of construction - exclusion- except as provided in paragraph the term- consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.
Consumer complaint received 2018-02-13
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: Innovis (CT)

this showed up on my report and I have no idea where it came from. this should not be on my report as I am very careful with making and inquiries hard or soft. 

Institution Information CBCINNOVIS XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-25
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-01-20
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. (CA)

I refer to the above Equifax credit Report # XXXX dated XX/XX/XXXX a medical collection as follows ; ( Copy enclosed as Attachment 01 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health CarXXXX Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$2300.00} Status Date XX/XX/XXXX Status Unpaid Date of XXXX Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$2300.00} Last Payment Date Whose Account Please note that the above medical collection is fraudulent and erroneous. During the time collection was placed I have an active XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. See Attachment 02. 
Also I did not have any medical services rendered under XXXX XXXX XXXX XXXX XXXX during the year XXXX and XXXX.