davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My friend, XXXX XXXX sent me a link to apply for a credit card from Capital One. If I did, she would receive {$100.00} incentive. I got the card, but she never received the {$100.00}. I called and they told me that if I already had a card with them, then she would not receive the money, this was for new customers only. This was not disclosed on the online application.
Consumer complaint received 2022-08-14
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: Diversified Adjustment Service, Inc. (FL)

On XX/XX/XXXX, I sent notice to XXXX XXXX, CEO & XXXX XXXX, SENIOR VICE PRESIDENT to cease and desist any action to defame my character ( attached ). This was sent certified mail and confirmed received on XX/XX/XXXX. No response was provided from this company. The company was notified that if they failed to respond within 21 days, they accepted the debt in question as their own. Today, XX/XX/XXXX I noticed that their company has officially defamed my character on my consumer reports without consent. Not only did I try to communicate with this company to amicably work to an appropriate solution, but I also gave them notice of what would happen should they harass me in the future. These are violate business practices. Their initial document had no date, it provided no proof of their allegations, they provided no tax documentation to support their claim, and their company is not a law firm. The company decided to harass me further by harming my credit report. This is pure harassment. There is plenty of precedent that has been set by multiple honorable courts that these actions are subject to remedy in the eyes of the law. Further, this is no excuse for this companies ignorance of the law as can be seen by over 200 years of precedent. All are presumed to know the law. San Francisco Gas Co. v. Brickwedel ( 1882, 62 C. 641 ; Dore v. Southern Pacific Co. ( 1912, 163 C. 182, 124 P. 817 ; People v. Flanagan ( 1924 ), 65 C.A. 268, 223 P. 1014 ; Lincoln v. Superior Court ( 1928 ), 95 C.A. 35, 271 P. 1107 ; San Francisco Realty Co. v. Linnard ( 1929 ), 98 C.A. 33, 276 P. 368. I am not sure why this company has chosen to harass me, but as mentioned in my letter sent certified mail, I informed the company of what would happen.
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (TN)

The company violated The Servicemembers Civil Relief Act ( SCRA ) time of account when collection was during military XXXX to a XXXX XXXX overseas. Supporting military orders and document was sent to the company with no respond back.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (CO)

Someone opened up a chime secured credit card in my name through a link via XXXX XXXX through a referral campaign with XXXX. On XX/XX/year>. This was not me. I believe that this secured account was used to fraudulently move money starting XX/XX/year>, and continuing through possibly XXXX. Theres something called move my pay in the app and because of malware that was installed on my phone hackers were able to get into all of my accounts and figured out a way to email Almost invisible. I asked chime for any information relating to my social security number and months later still no data from chime. Theres thousands of dollars unaccounted from my social security XXXX check. Please help me figure this out
Consumer complaint received 2024-03-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC (FL)

XX/XX/2022 we wanted to look into refinancing. Rocket mortgage contacted me and said they could help, when they told me what my new mortgage would be I told XXXX no that I couldn't afford those payments and we would have to look into something else. She then told me it was only temporary to do it for 3 months and then to call her back and she would lower the interest rate. She said her and her husband and done this and it worked out great for them. She said in three months my crefit score would be even higher and she could lower the interest rates. So we went with rocket mortgage. But when I called back in three months she just said can't help you and hung up on me. Now we are stuck with a payment we can't afford and I'm scared I'm going to lose my house.
Consumer complaint received 2022-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

My loans formerly serviced by direct loans have been transferred to Moela and not only do they stall and refuse to process my application for PSLF, TEPSLF ( loan forgiveness ) but did many years my three years of services in XXXX XXXX back in 2009 onward was not processed as qualifying payments and tge servicer is trying to beat me from qualifying from TEPSLF when I was inform gym. One their reps on the phone ( which I may be able to obtain transcript of conversation ) that when moela acquired my loan from direct loans the did not receive sufficient or accurate paperwork from prior servicer which that servicer has a lengthy history of being disgraced by other consumers and plagued with legal issues.
Consumer complaint received 2020-05-15
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 pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX  XXXX {$1400.00} XXXX   XXXX XXXX {$200.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX {$980.00}
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I received an email last night stating that my credit score has changed. When I checked what happened, it showed Capital One had put a hard inquiry on my credit. I didn't apply for a credit card from them, nor do I have an account with them. I called Capital One and asked what was going on. They said they couldn't find any account under my name and thst their applications department was closed for the weekend. After that, I called all 3 credit bureaus to notify them. I'm not sure if I should freeze my credit or lock it. XXXX said to file an FDC report, but when I did I was redirected to CFPB. They also said to send in my own written letter stating that I want the Inquiry removed. Capital One said to go into a branch to try and resolve but the nearest branch is XXXX miles away.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A scammer utilized XXXX to impersonate my ex-husband. The scammer utilized XXXX to empty my TWO savings accounts into a new fraudulent account under my ex-husbands name.

The bank has done NOTHING to assist me in recovering my savings. Their investigation was insufficient. The investigation did not attempt to contact the ex-husband whose name was used to open fraudulent accounts. They did not follow the money transfers to see where it lead. 
Bank of America does not care about helping their customers. I have proof of fraud and still my claims were denied. 
There are two police reports concerning the Identity Theft & the Wire Fraud Theft
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (FL)

A felony charge is showing up and counting against me negatively when it was adjudication withheld. It is the only background check that Ive ever received to actually causes all others do not.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (FL)

I was denied a rental application due to First Advantage XXXX XXXX XXXX, XXXX, IN XXXX reporting I have a criminal record on 2006. I do not have or ever had any criminal records and I email them a copy of a Police Background Check from last year showing I do not have any records and a copy of my ID as well as my Social Security. The email me a few days later a rental denial due to either insufficient or unacceptable information contained in your consumer report.
Consumer complaint received 2022-08-14
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. (NY)

I have been contacting Equifax since XX/XX/2022 to have fraudulent inquiries removed, I have provided them with numerous sets of documents via both postal mail and fax on several occasions, including Drivers License, SSN Card, FTC Report and Police Report, they have continually assured me that the below list of inquiries will be removed, I recently received a letter from Equifax confirming the inquiries have been deleted from my report ( attached ) and upon checking they remain on my report. This is false information that is on my report, its fraudulent has been proven to be fraudulent and Equifax are not reporting correctly, the letter they provided confirming they have removed the information is a LIE and should be investigated by the CFPB.
Consumer complaint received 2022-08-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

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

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2024-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX IS IN FINAL STAGES OF CLOSING FOR SALE I AM THE SELLER Mortgage Servicer is PREVENTING closure of transaction for Seller ( ME ) by REFUSING to provide PAYOFF to title company. Title has requested twice, I have requested twice. Told a 5-7 days - which is RIDICULOUS in our modern online era - today is day NINE and XXXX PAYOFF. 

BUYER CASH FUNDS ON HAND WITH TITLE. ALL DISCLOSURES DONE. LITERALLY THE ONLY HICCUP TO SETTLE IS MY PAYOFF SORRY THIS IS ABSOLUTE XXXX Fay Servicing has done ANYTHING AND EVERYTHING to prevent this sale, because they will no longer make interest from me. THIS IS DETRIMENTAL TO ME.
Consumer complaint received 2020-05-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried taking out money at an atm but it did n't let me {$600.00} instead it blocked my card and it said to contact my bank for this matter.this happened after work around XXXX. So I have my mobile bank app I go paperless..I open my app and first thing that pops is a alert saying if it was me trying to take out money at a near atm..so I pressed yes, this after me going back home. After I press it i t takes me to my bank balance where I see that automatically it debited XXXX which I never even took out. I called right away after an hour on hold I get a bank of america person to help me..he tells me the card is now ready to use, I say ok what about the money? He says it should be credited within 48 hrs, so I check the following day, nothing. Until the second day I check and it got erased from my statement history like it never happened but the total is the same as when it was deducted. I call right away and they say they credited back and it was cleared because it was done so it had n't happened but I told them the balance is still XXXX less she said is not, I told her I knkw the total I had before the XXXX were deducted. XXXX I was asked if I wanted to open a claim I said yes, so they credited the XXXX temporarily until the investigation took effect, a month later I receive a letter that it was denied after being investigated and that the money was going to be reversed, I call the bank again very disappointed and mad, and tell them about the situation again they said XXXX case is closed I ca n't do anything about it anymore, I said how is that I ca n't just loose XXXX just like nothing, I 'm a single mom of XXXX and XXXX is almost a whole paycheck for me, she said sorry I ca n't help you she said only I can help by moving the date of the money being reversed back to a month away, I was like moving the date or not is not going to give me back the money I lost..I do n't know what else to do I am very dissapointed, sad, upset..I have bills to pay and my schooling as well, I hope you can help
Consumer complaint received 2022-08-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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 rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC (UT)

I received a text, from Radius Global Solutions LLC Reference code : XXXX stating : your rights from our recent letter remain. Other rights /make payment : rad-gs.com I received this text on XX/XX/year> out of the blue. I received no official documentation nor information on what this alleged debt is... Nor has there been any indication of outstanding debt on my life lock or credit report. All of my credit cards are either paid off or up to date. 

I received another text on XX/XX/XXXX, XX/XX/XXXX, and another one on XX/XX/year>. This message was slightly different : it said please contacat radius global solutions llc at XXXX.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (KS)

So I filed my tax return and had it go to my credit karma money account not knowing that they had sent me a single email back in XXXX to make sure my account info was up to date I did not see it and they closed the account and all of that I could care less of it they had chosen to not accept deposits into accounts they have had closed I would have my tax return which was just under XXXX XXXX instead the money gets deposited in to the account on the XXXX of XXXX and I have given them everything they have asked in order to get a second check sent to my new address since the first one that I think they never sent was sent to the wrong address because despite me having updated my info on my account since the account is closed that info doesn't get updated with the rest of the account so if it's fraud they are trying to prevent it is possible that someone else has my check already due to their stupidity
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I, XXXX XXXX, residing at XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX  XXXX, and reachable at XXXX, do solemnly affirm and declare the following under penalty of perjury : XXXX. On XX/XX/2024, I observed unusual activity on my bank account after my attempt to use XXXX was denied due to insufficient funds ( NSF ). 
XXXX. Upon conducting further examination, I discovered XXXX unauthorized ATM withdrawals from my account totaling {$XXXX0}. 
XXXX. In addition to the unauthorized ATM withdrawals, there were XXXX other transactions made without my consent or knowledge : a. A transaction with the United States Postal Service ( XXXX ) totaling {$XXXX}. 
b. A transaction with a XXXX vendor totaling {$XXXX}. 
XXXX XXXX transaction with XXXX XXXX the amount of {$XXXX}. 
d. A transaction with XXXX XXXX XXXX to {$XXXX}. 
e. A transaction with XXXX XXXX for {$XXXX}. 
f. A transaction with a XXXX XXXX station for {$XXXX 
XXXX. The total amount of unauthorized transactions sums up to {$XXXX} ( {$XXXX} in unauthorized ATM withdrawals + {$XXXX from other transactions ). 
XXXX. I hereby affirm that I did not authorize any of the aforementioned transactions and that they were made without my consent. 
XXXX. I have reported these unauthorized transactions to my bank and have requested an investigation into the matter. 
XXXX. I request immediate relief and restitution for the unauthorized transactions made on my account. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge and belief. 
In conclusion, I respectfully request a thorough investigation into the unauthorized transactions made on my account. I am fully cooperating with the authorities and the ftc involved to resolve this matter swiftly and justly. I affirm the accuracy of the information provided in this affidavit to the best of my knowledge and belief. 
Your prompt attention to this matter is greatly appreciated. Signed, [ Signature : XXXX XXXX, beneficiary ]
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Chime Financial Inc (CA)

CHIME SENT ME A CHECK AND I NEVER RECEIVED IT. I SUBMITTED AN AFFIDAVIT OF CHECK FRAUD AND A POLICE REPORT TO THEM THEY REFUSE TO HELP.
Consumer complaint received 2022-08-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Tesla, Inc. (TX)

I purchase a Tesla XXXX XXXX in XXXX of XXXX  from Tesla Motors, and due to the pandemic I never received my title paperwork. I've asked for it previously, but have never received it. This has left me unable to register the vehicle, and now my auto loan rate has reset because of this issue.
Consumer complaint received 2024-05-12
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (LA)

On XXXX, Synchrony Bank reduced my credit limit from {$400.00} to {$160.00} damaging my credit on the Amazon Store Card, stating among other issues, that I did not have property to secure a loan. I own property under my name at XXXX XXXX XXXX, XXXX, Louisiana XXXX. Synchrony can not continue to reduce credit lines and harm an individual 's credit. Furthermore, Synchrony states in their letter that the report is from XX/XX/2024 but my credit score has not changed. In fact, I was approved for a Home Equity Line of Credit from another company. 
By Synchrony reducing credit lines, they are damaging credit reports of millions of individuals and this must stop.
Consumer complaint received 2018-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (CA)

The loan servicer is Great Lakes. On XX/XX/XXXX, I made a {$3000.00} payment on an account that is in a paid ahead status through XXXX. The account has five " tokens '' with a different balance that make up the total balance due on the ascount. I directed 100 % of the {$3000.00} payment to a specific token number on that account. However, not all of the {$3000.00} went towards that token ( it went towards other tokens too XXXX. I called Great Lakes and the representative and supervisor said that my payment was applied to satisfy my minimum monthly payment of {$740.00}, and the remainder went towards the specific token. But my minimum monthly payment is {$0.00} because I am in a paid ahead status ( I have been in a paid ahead status for well over two years on the account ). 

I can understand this to be the rule if the borrower is not in a paid ahead status, so in that case, the borrower would have to satisfy the monthly payment first before applying the rest of the money as he wishes. But when a borrower, like me, who has no minimum monthly payment and still can not apply my money as I wish is nothing but a penalty for paying early. It is a penalty because the {$740.00} first went to pay the interest of other tokens before the interest and principal on the token I applied it to. This means I can not satisfy more of the principal on the token I am targeting, which in effect, ends up costing me more money. Thus a penalty.