davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This complaint is for capital one 360 I had two claimes I filed Two packages were misplaced/stollen And I spoke to the merchant ( XXXX ) they refused to reimburse the funds even though their return policy clearly states they reimburse packages that arent received. I asked my financial institution to step in and they filed the skin for XXXX and XXXX for the items they refunded one item but not the other and I bought them the same time. They claim the company shipped the item and I agreed but I just didnt get the product which is why I asked for them to intervene. I just dont understand how they would honor the claim for one product but not the other when they were both shipped and bought together.
Consumer complaint received 2023-03-23
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: TD BANK US HOLDING COMPANY (GA)

I purchased a XXXX XXXX XXXX XXXX 
I ended up XXXX XXXX XXXX and fell in to a position to where I could not pay as I waited for my XXXX pay. It was repossessed due to my inability to work. 
This loan has been reported as closed for a few years now and every so often it is reporting as a new loan. The dates keep resetting and statute of limitations is XX/XX/XXXX. 
I would like this handled as it keeps ruining my credit reports after 3 times of repairing it. 
As a XXXX XXXX XXXX XXXX I am asking for relief for this loan.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION (TX)

I tried 3 times to close my deceased wife 's account with Xoom, a XXXX Service, over the telephone, but they continue to say the only way to close the account is by the account holder to close the account, per their privacy policy, so deceased persons accounts can not be closed. 
Why do I want to close the account? So I can open an account in my name with the email address currently associated with my deceased wife 's account.
Consumer complaint received 2022-05-01
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. (MO)

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. 
XXXX XXXX  credit card Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2021-09-04
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. (MO)

Inquiries not initiated by me XX/XX/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
Consumer complaint received 2021-09-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION (TX)

I gave them the bankruptcy case number and requested that they Cease and Desist all further contact with me and reach out to my attorney. They are still calling me and attempting to collect a debt that is included in a chapter XXXX bankruptcy, case number XXXX. My attorney is XXXX XXXX XXXX at XXXX.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

I wish this to reflect that it is about Comenity XXXX XXXX. I have always paid this account on time every time. My bank sent a check to this credit card company to be received XXXX XXXX XXXX the XXXX on a bill that was due XXXX the XXXX. Thamount of {$22.00} was to pay the account in full. They claim they did not receive that chat which was due to be received by them XXXX the XXXX until 13 days later On XX/XX/XXXX. That just happened to be the closing date for them to mail out my statement. They arevthe only ones in control of honestly or fasely stating when they received payment. Apparently my check laid around their office until they decided to send out my statement. So I was charged {$22.00} plus {$2.00} interest For not having paid the bill by the XXXX period thus I'm being penalized {$24.00} for their tardiness in posting my my payment. It is UN reasonable that it took them 13 days to receive the check that was mailed by the bank. I have never had a payment be late when it was timely mail by my bank I contested this issue so I have been TEMPORARILY credited with this amount. However their letter of XX/XX/XXXX indicates if this issue is found in their favor ( which only they have control over, so of course they decide in their favor ) I will still owe this a mile plus interest and penalty for possibly up to 3 months, 90 days. if they say it will take them to " investigate ''. Therefore to avoid them coming back and Charging more money I tried to pay the {$22.00} contested. But they will not let me. Therefore at the end of this period I could owe them the {$22.00} + no telling what penalties they will add. They are In complete control and can say a payment sent by the bank takes 13 days to be received all the time. First time ever for me.Obviously this is an unfair business practice that if they do this to enough people, they could benefit quite handsomely. I believe more scrutiny should be made of this kind of billing practice that Prevents a person from not owing more than the contested amount. I am quite willing to pay it today if they will refund it when a decision is made. However they would not let me by phone and the online account will not let me. Then they can come back in 90 days and say I owe them more? They would not let me speak with anyone today to resolve this today, even with me making payment of the amount in dispute. So I have this hanging over my head for 90 days. As a patient in XXXX XXXX, I do not need this worry.
Consumer complaint received 2018-02-14
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: WELLS FARGO & COMPANY (SC)

Wells Fargo Executive office has worked on a current dispute for over 3 -4 months, during this time Wells Fargo charged me interest and applied a 30-60 days late on all credit beaures this merchant was paid on time, and I was never delinquent or defaulted on this loan. The creditor has ignored requests to remove this and todate the creditor have not provided a closure letter regarding this dispute. The creditor failed to remove {$870.00} from my account.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 i made a payment of XXXX $ to XXXX to order a card. my capitalone credit card account charged a XXXX $ cash advance fee. i called and explained that my payment is not a transfer, which according to capitalone a cash advance. i explained it a payment not a transfer. after all who transfers a XXXX . capitalone claims that XXXX billed the XXXX $ as transfer. i contacted XXXX and they explained that capitalone choose to process the payment as a transfer. here is there respone " We use two merchant codes for payments and when we pass it along to your bank or credit card issuer, they choose how to process it. 

If it happens again, you can reach out to your bank and explain this and provide the two merchant codes and ask why they charged it as cash advance since it's not cash related. '' i contacted capitalone again but their customer service trained dogs refused to reverse charges. i have incured financial damages and had my XX/XX/XXXX account restricted because of capitalone dirty practices
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX, XXXX, Bank of America ( " BoA '' ) reduced the credit limit on my mastercard from $ XXXX to {$750.00}. In response, I paid the card off in XX/XX/XXXX and shredded the card. I did not notify BoA that I was closing the account. Today, XX/XX/XXXX, I received a letter that my account is {$83.00} past due. When I called, I was told that they assessed the annual fee of {$79.00}, charged the interest, and the balance was now {$83.00}, plus they closed my account due to the delinquency on XX/XX/XXXX. I asked that they either : reinstate my account and credit limit of $ XXXX and I will pay the annual fee which would be for the XXXX year ; or they waive the {$83.00} charge, keep the account closed and remove any derogatory credit on my credit report ( XXXX ). The Customer Service person, XXXX XXXX, noted the account and advised that he would put in the request, but it will take several weeks to get a response, and it will mean that additional interest accrues and there is no guarantee that BoA will waive the fee or reinstate. This does not make sense. If BoA wants to charge an annual fee and expects you to pay it, then the account shoud be useable. If the account is closed, then they should not be paid the annual fee. It is common sense.
Consumer complaint received 2020-01-28
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. (MD)

XX/XX/2020 XXXX I have the federal right to as consumer to see the report trail from the ( 1 ) bank to ( 2 ) e-Oscar to the ( 3 ) credit bureaus. This is not a duplicate. The last time I gave you the Experion false report fabrication as well as the real thing from the bank. Someone short attention span XXXX Decided to run a diversion so my lawyer is going to take this as a  civil right violation. And being a federal lawsuit from the state of Maryland. because yall are closing the case without relevant answers. You guys are not undermining my intelligence. This time by law of the state of Maryland I need to see the name person handling this report.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$720.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$720.00} Balance updated XX/XX/XXXX Delete account never had open with XXXX XXXX. 
Similar person with name.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$31.00}, XXXX written off. {$31.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$31000.00} Never had account belongs to someone else. Disputed and no proper investigation within the timelines of my federal rights.
Consumer complaint received 2023-01-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (SC)

This is one of many issues I have been having. I have made Ocwen aware they have been charging me {$12.00} each month when we paid our mortgage over the phone. We did not make payments with a live person. I called Ocwen as I believe in Maryland this was not allowed. 
Ocwen said they could only see two phone payments we made but did not do a complete audit. Well we have found 18 months of fees so far. I have reached out to Ocwen and their Ombudsman and no return call.
Consumer complaint received 2022-05-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The creditor name " XXXX XXXX XXXX '' Violated the fair credit report act by unlawfully reporting to all three credit bureaus which affected my fico scores. How they violated my rights by unlawfully reporting to the bureaus without allowing me to dispute and verify any debt so I may dispute any error. The collection agency hasn't notified me by mail, email or phone call. I haven't received any form of Communitions of the three from " XXXX XXXX XXXX '' by them or XXXX XXXX 
I have been a victim of fraud and identity theft which resorted to subject towards a credit freeze with all three credit report agencies because someone is unlawfully using my social security without my acknowledge with the attempt to open accounts. I am seeking by law and due to the circumstances of the removal and any reporting from this collection agency to be wiped of my credit reports permanently because of violation of rights and fraudulent activity.
Consumer complaint received 2020-01-28
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. (TN)

I have been trying to resolve these issues with the companies but i have not been able to get anywere. The following account are not mines : XXXX  XXXX/XXXX  {$210.00} XXXX XXXX/XXXX   {$260.00} XXXX/XXXX {$310.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX/XXXX XXXX {$760.00} XXXX XXXX XXXX {$890.00} XXXX/XXXX  {$0.00} XXXX/XXXX  XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$1100.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$380.00}
Consumer complaint received 2023-01-18
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. (VA)

The credit reporting agencies XXXX, Equifax and XXXX is reporting a Closed XXXX XXXX Account # XXXX opened on XXXX XXXX XXXX XXXX XXXX  Account # XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened on XXXX XXXX Dept Of ED/XXXX account # XXXX Opened on XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX account XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX account # XXXX opened on XXXX XXXX XXXX account # XXXX opened on XXXX XXXX XXXX XXXX XXXX account # XXXX opened XXXX XXXX XXXX account # XXXX Opened on XX/XX/XXXX XXXX
Consumer complaint received 2022-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

I settled a debt with radius global solutions in the amount of {$1100.00} in exchange for a removal of the debt off of my credit report on XX/XX/2021 they removed the collection off of my XXXX and XXXX report but not off of XXXX I called them in XXXX of 2021 and told them that the collection is still reporting on my XXXX a rep told me that theyll resolve it and as of today nothing has been done I even tried disputing the collection through XXXX but it didnt result in a removal. I will like for radius global to get this debt removed off of my XXXX report as agreed on when I settled the account
Consumer complaint received 2021-12-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (IA)

Paypal Credit account deceptively changed my due date by 3 days in XXXX without any notification, resulting in a late payment and a charge of {$29.00}. I've been charged excessive interest for the last XXXX months on a balance of less than {$200.00}. This month alone I was charged {$17.00} in interest on a {$100.00} balance. What interest rate are these people charging? I've been on the phone with customer service 3 times now. They promise to correct the situation and reverse charges, but I haven't seen it yet. I want the money stolen from me returned with the same kind of interest this XXXX  company is charging. I paid the balance in full tonight. XXXX years of doing business with Paypal. I'm done, & will be closing all my accounts when this is resolved!
Consumer complaint received 2021-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Adjustment Company Incorporated (CA)

I keep getting calls from CACi regarding a a payday loan that is over 7 years old. I have paid all my payday loans and have not used payday loans in over 7 years. It keeps showing on my credit report with incorrect dates and they keep calling me even though I have informed them that all my payday loans have been paid and they are trying to collect on something that one, doesn't exist and two, is over 7 years old.
Consumer complaint received 2020-01-28
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: National Credit Adjusters, LLC (TX)

Submitted letter of dispute to National Credit Adjusters disputing ownership and accuracy of a derogatory collection account listed on my credit report that I have no knowledge of. I have received the response that they are unable to validate the debt currently and a subsequent investigation will be open ended with no definitive deadline for validation. As they are unable to validate and prove ownership of this debt I request that this information be deleted from my credit reports as soon as possible
Consumer complaint received 2021-09-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

When I first contacted citizens bank about down payment and closing cost assistance I was quoted at {$3600.00} out of pocket from me with the sellers assistance. I payed inspection fees out of pocket appraisal fees out of pocket and hand money out of pocket. Which then I was told I would only need no more than {$2000.00} at closing. A week before closing my lender informed me that I would now need almost {$4200.00}. That is more than we agreed upon in the very beginning or else I never would have went with this lender due to the fact I would never have been able to afford that in a 40 day period with still having to pay rent and utilities in the home I live in now. Ive asked for help Ive asked to speak with someone else and Ive even called her boss who didnt return my call he just told her that I called him. I have nowhere else to turn and Ive already given notice to my landlord that I would be moving. Please help!!!
Consumer complaint received 2021-09-04
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. (CA)

I was asked by chase over the phone if I did transactions on my credit card I went through them and i didnt do any of them for a old credit card i didnt use and I told them I disputed when they called and they still have not taken the disputed amount of XXXX off with them that i disputed that day when chase called me.these transactions where done in a different country I wasnt in and IP address they said. I didnt use that IP address not from my internet provider
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I reached out to TransUnion about having XXXX Bankruptcy on my file. They said that they would remove it. Its not showing on any of my other bureaus. Once I did that I automatically got a point reduction that lowered my credit. Looking at my credit file compared to others that are quite the same, my score with them and the other bureaus are low. Im praying that this is not a color factor because others with the same credit as mine have much higher scores.