davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-01
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 (MD)

Capital One is negligently allowing illegal monetary withdrawals from my credit card account by one of their known fraudulent merchants named XXXX for charges I never made or authorized. 

Capital One has allowed its merchant XXXX to fraudently deduct from my account on five different dates in different dollar amounts randomly. The fraudulent dollar amounts vary and are being targeted against my account even after I have complained to Capital One since XX/XX/2020 : XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX Each time I've been forced to report the fraudulent transactions, Capital One has had to provide me monetary reimbursement for XXXX 's fraudulent charges. 


Capital One also falsely promised me on XX/XX/2020 that they placed a merchant block on XXXX from being able to make further unauthorized withdrawals from my account. However, on XX/XX/2020, XXXX randomly withdrew {$150.00} from my account - this time for a greater amount than before. 


Capital One has failed to protect my financial assets and has breached it's consumer agreement with me to keep my financial account safe from known bad actors.
Consumer complaint received 2020-11-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (SC)

XXXX XXXX. XXXX XXXX real estate company. Guild mortgage. XX/XX/2018 i closed on my double wide mobile home. i received a fha loan. the mobile home in the real estate mls said it has a permanent foundation. It does not. there are no footers around the mobile home. no bricks or blocks. the piers under the mobile home are not mortared. i have some kind of sheeting around the bottom of the mobile home not 4 inches into the ground its cracking. my mobile makes poping noises. i am concerned about settling cracks and my floors warping due to the water under the home from the rain that flows underneath. i feel i was misrepresented by my mortgage company and my real estate company. the inspector, real estate company and guild mortgage should have seen that there was no permanent foundation done by XXXX XXXX  XXXX.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX of 2020. My dispute letters were dismissed, and never responded to. I am a long-standing customer and I make all my payments on time. Please correct this ASAP
Consumer complaint received 2020-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

on XX/XX/XXXX I applied to Santander bank to refi my mortgage. My credit card was charged {$390.00} as an application fee by Santander on XX/XX/XXXX. Santander changed the rate after getting my commitment letter, which made it uneconomical for me to proceed with it. on XX/XX/XXXX I have requested in writing to withdraw my loan application. I am attaching the loan withdrawal confirmation letter I got from Santander bank. since then the bank has refused to refund me my application fee.  the fee is clearly refundable. I have tried many times but no success.
Consumer complaint received 2020-06-02
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$3800.00} XXXX {$1400.00} XXXX {$2300.00} XXXX XXXX {$960.00} XXXX {$45.00} XXXX {$48.00} XXXX {$0.00}
Consumer complaint received 2021-08-19
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. (LA)

Contacted XXXX no XX/XX/2021 to validate debt with documentation No response. Sent another letter on XX/XX/2021 requesting debt be removed for failure to respond and send proof this is my debt disputed with Bureaus and provided proof item still remains on my file. This account is blocking my ability to obtain loan services
Consumer complaint received 2021-04-08
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. (TX)

I have tried, in vain, it appears to get XXXX XXXX Executive rep XXXX to fix the inaccurate reporting from my Experian credit report with no success. I closed the account in XX/XX/2020 as a result of entering a debt management plan in XX/XX/2020. However, the XXXX correspondence dated XX/XX/XXXX now erroneously indicates it was closed due to delinquency on XX/XX/2020. But the point of my complaint is that this is a closed account with a XXXX  balance yet the payment status shows it as DEROGATORY -closed not paying as agreedas of today. The payment status is not correct. I have had to deal with this numerous times and back in XXXX I have XXXX correspondence attached indicating the account was in a satisfactory status. I paid the account in full in XXXX ; between XXXX the account remained in a satisfactory payment status. Yet, again, they have put it back in a derogatory payment status.
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

HI, My name is XXXX XXXX and i had a checking Account with BOFA and they closed the account and the next day my paycheck was deposited and Stimulus check as well, its been more than a month and they didnt let me withdraw the amount from the bank and told me that they will send a check to me and i didnt receive any check till now. and i have lot of debts due to Covid as i lost my job. i just called the BOFA agent and she says if i dont receive the check in 10 business days then i have to wait for 120 days for the check to receive. 
its really difficult for me to survive and i depend on my paycheck with a XXXX XXXX old baby. 
so please do the needful and in getting my check as soon as possible. 
am not bothered y they closed my account only bothered/concern about the delay in sending my check.
Consumer complaint received 2020-06-02
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: EQUIFAX, INC. (IL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-04-08
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. (TN)

AFTER SEEING XXXX ON SUNDAY ABOUT THE CONSUMER REPORTING COMPANYS REPORTING INFORMATION ON CONSUMER REPORTS THAT SHOULD NOT BE I CHECKED MY CONSUMER REPORT AND TO MY SURPRISE DOZENS OF ACCOUNTS WAS LISTED ON MY CONSUMER REPORT FILE THAT I HAVE NEVER GAVE WRITTEN INSTRUCTION TO DO PURSUANT TO. 

1.15 USC 1681SECTION SECTION 602 A 2. 15 USC 1681 SECTION 604A SECTION 2 THE LAW IS CLEAR OF WHAT CAN BE DONE AND MY RIGHTS HAVE BEEN VIOLATED IN ACCORDANCES WITH THE FCRA
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Foreman Financial Inc. (CA)

XXXX XXXX is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt with XXXX XXXX that I do not owe. I have consulted with my Attorney General for the state of California and the statue to enforce and collect on this debt is past the statute of limitations. NO tonly is this account pas the statue but it is also past the credit reporting limit under the FCRA guidelines. I do not owe this debt, you may not collect on this debt and it must be removed off my credit report. Please be advised that reporting false information on my credit report could constitute fraud under both federal and state laws. If you continue to report erroneous debt on my credit file, I will not hesitate to bring legal action against you.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

capital one bank pulled a fraud inquiry on my XXXX report on XX/XX/2018 that was not authorized by me due to a fraud online credit card application and needs to be removed from my report asap my SSN XXXX DOB XXXX
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Enhanced recovery company address is XXXX XXXX XXXX XXXX Florida XXXX I see on my credit report have a past due balance of {$780.00} I do not know this company I've never done any business with this company this company does not have any contract with my signature
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX a payment of {$3000.00} was sent to XXXX. The check was cashed on or before XX/XX/XXXX which is when it cleared my bank. A copy of the check, front and back is attached. It has previously been provided to Synchrony Bank. 

Synchrony Bank which handles XXXX master card, has three times given credit for this payment and three times has reversed itself and says the amount is still owed. A copy of their lastest reversal is also attached. 

This problem has been going on for over a year. I requested arbitration in XX/XX/XXXX to resolve this matter and they have not responded yet to the arbitration request. 

The credit card number stated below originally ended in XXXX, but because of fraudulent charges after the above payment, the card number was changed to the one stated below.
Consumer complaint received 2021-04-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings (OR)

I've sent this company a cease and desist and they still sent me a letter in violation of 15 USC 1692b ( 2 ) and 15 USC 1692f ( 8 ) They also have violated my right to privacy.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IN)

I have 2 late payments on my account because I attempted to pay it online repeatedly a few times and I kept getting kicked off the site because of technical issues. I trusted that the problem was fixed the following month but it appears it wasn't. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

XX/XX/XXXX until now I have received XXXX I'm overdrafts fee that's are from auto payments that never get paid but the bills continuously get re cycled I have lost 4 payroll checks due to direct deposit and 2 bill cycle behind in credit cards loans mortgage payments all because wells Fargo keeps giving me fees for items I told them to stop payment on and i didn't recognize. This is illegal and fruad I have reached out everyday and they keep giving my account fees then Harrasing me at work iam almost in chapter XXXX bankruptcy and foreclose of my home due to this bank I have been there customer since XX/XX/2007and my account NEVER gas been like this
Consumer complaint received 2023-01-31
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i was issued by the state an unemployment card. I have yet to receive on that works until recently. Apparently they kept sending to the wrong address, etc. I finally received a card, which has a balance of negative XXXX I HAVE SPENT MONTHS TRYING TO GET THIS CARD THAT SHOULD HAVE AROUND 24000 OR SO ON IT. I CALL IN AND LET THEM KNOW THIS, AND WAIT ON HOLD FOR 3-4 HOURS ONLY TO GET DISCONNECTED OR GET SOMEONE RUDE. 

THEY HAD DISPUTES FOR THE AMOUNTS ON THE CARDS THAT WERE MISMAILED OR SENT TO SOMEONE ELSE AND WERE SUPPOSED TO BE REFUNDED. I GOT SOMETHING IN THE MAIL STATING WE CLOSED THE DISPUTES FOR SUSPECTED FRAUD. ( MY IDENTITY WAS VERIIFIED AND BOA WAS INFORMED ) THEY SHOULD HAVE NOT REVERSED THE DISPUTES, AND THEY SHOULD NOW THAT THEY RESTARTED THE CLAIMS BE RESPONSIBLE FOR THIS AND MAKE SURE I GET THE FULL CREDIT FOR WHAT WAS MISUSED AND OBTAINED ILLEGALLY ... 

THEY SHOULD NOT HAVE LET THIS HAPPEN IN THE FIRST PLACE AND BE HELD RESPONSIBLE FOR THE PROBLEM.
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX pl remove I have disputed by mail with all three credit bureaus.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

I signed up for an American Express Platinum credit card with a XXXX signup bonus and a {$3000.00} minimum spending requirement. I was using the card for my regular purchases, not tracking exactly how much I was spending. About a month later, I received XXXX points in my account. As a regular consumer, I assumed that I had spent enough for the signup bonus because I received it in my account. I kept on using the card for my purchases and thought nothing of it and the 3 month deadline for the minimum spend came and past. About 4 months after I signed up for the card, I suddenly found out that XXXX points were taken from me. I tried contacting American Express, and they said that apparently I did properly fulfill the terms and conditions of the signup offer, but the customer service representative did not know exactly why I was not eligible. I am contacting the CFPB because American Express is running a bait and switch scheme by promising a lucrative signup bonus, misleading me into thinking I have fulfilled the requirements of the offer, and then pulling the offer when I have no recourse by using a technicality in the terms and conditions. If I did not fulfill the terms and conditions, there is no need to wait 3 months to remove the points on my account with zero communication prior to this. If there was any type of communication, I could have fixed the issue. What is especially malicious is that they removed my signup bonus the day after an implementation of a no refund policy for the annual fee. Thus, they took my {$450.00} annual fee when I was under the impression that I received my signup bonus, and once I was not eligible for a refund on the fee, they took my signup bonus back. This is certainly deceptive advertising and American Express should not be allowed to continue this shady behavior.
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

We are processing a short sale wit h Capital One.  Our first submission was   XXXX   XXXX   and we took this file over from a different short sale attorney. Their first submission was   XXXX   XXXX  . To date they have rejected our offers 3 times, indicating the needed a " higher offer. '' Our first offer was {$140000.00}, the second was {$140000.00}, and the third offer was {$150000.00}. Adding further insult to injury, each time they have rejected our offers I have specifically asked them what purchase price or net amount they need to process the short sale. Each time they have indicated they do not provide an amount of a purchase price or net required to process a short sale.     On   XXXX   XXXX   XXXX  , I spoke with our client who received a call form  Capital O  ne i ndicating they needed to list the property for sale for an additional 15 days. I contacte d Capital One  to inquire about this requirement. I spoke with  XXXX   I  asked her about request and weather we could waive it since it 's been listed for almost a year. I was transferred to  3  different people, and finally got to speak with  XXXX , our short sale rep. and ordered the appraisal with our realtor. He said the same thing they all have said. " That 's just the process. '' I informed them it 's not an appropriate way to do business. It 's not operating in good faith with our buyers. I told them I would be filing a CFPB complaint and she asked if I would like to speak with the office of the President, I said yes. She came back on the line and said  XXXX  from ethics team will assist me and hung-up on me.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC (MA)

I had inquired about refinancing an income property, with Reliance First Capital. After answering all their question and supplying all the requirements. I was told that as long as my appraisal was for enough we would be all set. After paying for appraisals was told everything is all set it came back well above what was needed and now just to update paperwork, which was done with in the next week. Approximately a month latter and they, then pulled the financing and wanted me to spend more money on cosmetic updates to the house and repairs to the barn, ( which is what some of the cash out money was to used for ), along with new and different inspections again looking for more money before they would continue. It was latter disclosed to me, that they had also contacted the appraiser and want/had the finished/final appraisal changed in order to not fund the loan.
Consumer complaint received 2019-05-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On XX/XX/XXXX Toyota Financial Services received my monthly payment and cashed it. It hit my bank on XX/XX/XXXX. Since that time I have tried to get them to post the payment, but they have refused. First they said they never received it. When I sent them a copy of the cancelled check they said it was misapplied but they would correct the situation. I sent three messages and they closed all three requests without taking any action. It is now XX/XX/XXXX and they still have not posted my payment, which was due on XX/XX/XXXX. They've had the payment for 13 days and have done nothing with it. I am very upset, as this may affect late charges and my credit report. There is no reason for them to delay posting and I want this correct immediately. 

XXXX XXXX XXXX Acct. # : XXXX Payment amount : {$300.00} Co. : Toyota Financial Services, XXXX XXXX XXXX XXXX IL XXXX