davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (CA)

Account : XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is still incorrect, all XXXX of the date last active is inaccurate, and date last reported is not accurate. This ground for removal of the account from my credit report & a lawsuit against the credit bureau. 
they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation. I submitted the original complaint XX/XX/ for the company to correct to inaccurate reporting and they failed to do so.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XX/XX/2024 {$97.00} XXXX XX/XX/2024 {$230.00} XXXX XX/XX/2024 {$450.00} On XX/XX/XXXX I contact card company to let them know that there were fraudulent charges on my card. The card company requested that since I do use XXXX to prove that I used a different method of payment for my personal accounts. On XX/XX/XXXX, I sent via USPS tracking number XXXX, four months of another credit card that is used to pay my XXXX bills to this credit card company as proof that they were not my XXXX transactions on their card. 

On XX/XX/2024 I received a letter stipulating I did not send them the information and they would not be crediting my account.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I believe FCRA 605B says wrong accounts should get removed from credit reports. I'm not sure what's going on, but please check the accounts in the documents. They're not right on my credit report, both the accounts and their status. I'm upset and feeling sick about this, so I need your help.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (WA)

I had a balance of approx. {$3000.00} which I have been paying off and now paid. off. My card was canceled for some unknown reason ( not myself induceded ) mid-way through. The bank was in Puerto Rico and would not let me make payments anymore online but only mail them in. 
I would mail in my payments two weeks early but my payment was ALWAYS one day late, even though make check would clear on the day it was due. I constantly was charged a {$29.00} late fee. When I called to dispute, the bank reps would refer me to the number XXXX XXXX which did not work. That number referred me back to the original phone number of XXXX. It was an endless merry-go-round. I have since paid off my card but would like something done with these crooks. They also upped my interest rate when the payments were never late. I have paid hundreds in fees The bank was : Banco Poplar XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

We made XXXX payments this month and they are not applying them to our account. We paid them XXXX on XX/XX/XXXX and XXXX on XXXX and they are not adjusting our bill still showing same amount past due of XXXX and an outrageous late fee of over XXXX dollars. They DO NOT RESPOND to my messages and answer any inquiries.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

I open an Ally account last 2 weeks, I made a {$3000.00} check deposit from another bank that I closed the account, while having Ally I made XXXX transfer from one of my account to another which I found weird since it took 1-2days to do the transaction, I call Ally about it and they told me that using XXXX for yourself will prevent the fast delivery since the system notice its yourself sending the money. At first it made sense but then I realize that I was doing this same thing when I used to have chase and XXXX with no problem. 
A day after the check deposit was reflected, I notice my XXXX was lock which the app tells me to call Ally. I did the call, and they ask me if I have use any other machine to log in into my account I told them I use my XXXX or XXXX, they proceed to tell me that someone was trying to hack my account and that due to security reasons my account needed to be on hold. At first I was worried and ask them if I can take some money out since I needed to make payments, they tell me that while the account is on hold and under investigation that I couldnt access my money. 
After 2 days I notice that I cant access my Ally bank app and it tells me that I have to call them. 
I call Ally and they now tell me that my account is under investigation because apparently there were suspicious transactions in my account, one of them been XXXX  which is the merchant I use to receive payments for my store. When you open your account they ask where do you work. Im a XXXX and I own a XXXX XXXX, the current way I get income is by accepting payments with XXXX. Every Monday, the deposit from XXXX goes to my bank account I explain this to Ally and they tell me that the deposit needed to be under my name and not my store name and that even if I clarify that, they still needed to have someone investigate the account. My 3rd time in a different day calling Ally, and at this point Im upset, Im unable to use the money on my account because Ally made it seem that im not an account holder Im locked out from the entire bank and I can only just call them to check the status of the investigation, they tell me that the investigator needed to see if they want to keep me as a customer or just closed the account and send me the check to mail, Ally doesnt known when this can be done, they dont give you a time frame, NOTHING. My $ XXXX funds are now in a account that I dont have access too until Ally finalizes their investigation. The funny part is that the 3rd caller tells me that since they are an online bank they almost red flag everything. Why did I choose this mediocre bank? I did my research and I wanted to have a account where I can save or hold some money and Ally had this high APR interest but to me honest I rather go back to chase or XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I reached out to the credit bureaus regarding errors on accounts being delinquent and they are not. There are also addresses where I have never lived. The bureaus " verified '' everything, which is wrong and should be illegal. The negative and false reporting is hurting me as a consumer.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

Capital One Venture Convert Rewards tile does not work. 

Half of the times, when I try to convert miles to rewards for partner airlines, the capital one system blocks it at the authentication step. I have the same personal phone number ( registered in my own name ) with capital one for last 5 years or so and never had an issue until now. It keeps rejecting saying " unable to authenticate this number '' and after I talked to a customer serivce agent, its not mathcing the same number to the record on file. Its important to being able to transfer the points when needed to make best use of the promotion but Capital one just fails you and when you call for help they tell you that its your problem and there is nothing they can do. What a scam!
Consumer complaint received 2024-02-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mr. Cooper Group Inc. (NJ)

During the pandemic years, my mortgage was owned/serviced by Community XXXX XXXX XXXX who took over that responsibility from XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
Even though the pandemic was at its peak, I approached Community XXXX XXXX in XXXX XXXX about getting on a Loan Modification Agreement. 
We agreed that, after I made 6 consecutive monthly Trial Plan Payments in the amount of {$3400.00}, which I did, I would then be offered a Loan Modification Agreement, which I was. 
However, on both XX/XX/XXXX and on XX/XX/XXXX, Community XXXX XXXX sent me the XXXX to sign. Plus, they added new settlement terms without telling me beforehand but did advise me that i should review same with counsel and respond back if I had any questions about the terms of the new XXXX. 
So, when I wrote back to them on XXXX XXXX XXXX asking which of the two sets of documents should I sign, the XX/XX/XXXX version or the XX/XX/XXXX version, plus asking for an explanation of new XXXX settlement terms, such as a balloon payment after 15 years of which i had no prior knowledge, they decided to ignore me and not answer me. 
Apparently, this is because they were, at that time, in the process of negotiating the sale of my loan to the infamous lender known as Nationstar Mortgage LLC dba Mr. Cooper who had just been sued in federal court by the CFPB and fined {>= $1,000,000}. 
It would appear that I have a valid Section 8 claim, under RESPA, for undisclosed settlement costs.
Consumer complaint received 2024-02-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received a {$200.00} prepaid American Express gift card for XXXX in XX/XX/2023. I began using it this month, and my first purchase on XXXX went through. Every other purchase has been declined, and calling the customer service hotline says that I need to complete transactions with the XXXX digit security code. I have been and no transactions have gone through since then. Customer service has been no help to me and I feel as though this gift card has scammed me.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

This Company Innovis Is Reporting Credit Card Accounts On My Consumer Report An I'm Trying To Figure Out How You All Are Reporting Any Thing On My Report When You Never Asked Me For Written Consent To Do Which Is A Violation According To FCRA. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Here are this list of accounts that are not reporting accurately : I need these accounts DELETED immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

NAVY FEDERAL 6473 / COMENITY CAPITAL 6674 / JPMCB CARD 1682
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

On XX/XX/year> around XXXX my phone was used to send XXXX unauthorized transfers in a loss of XXXX dollars into a complete strangers chime account while I was at work and my phone had went missing for XXXX hours. I found out once I got the phone back when trying to send money to my mother and it kept getting denied confused as to why it was getting denied I checked my chime account and see that this random stranger had wiped my account by sending different transfers to his own chime account. I called chime immediately soon after I saw the last charge to dispute the charges. My first phone call I was hung up on when trying to get the dispute started. I called back and was able to get the dispute started but was told before I could even get a temporary credit they would have to do an investigation. I sent pictures of the same person trying to create fraud again on my XXXX XXXX by trying to request money from my friends and family through my XXXX XXXX as well as sent a screenshot of the police report that was made. An FBI report was made as well and a XXXX  complaint
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I am a member of Citibank with a Priority status and a member of XXXX. I applied for their credit card and was rejected on the following grounds : Your credit report shows : too few accounts currently paid as agreed ; a lack of recent installment loan application ; no recent revolving balances ; too few accounts with payment information. 

I have a Citibank credit card which I use regularly and pay on time. I have had this card for many years plus several others in the past. My credit score is quite high and I have an income of over {$75000.00} a year plus substantial savings. I am retired and don't own a home and have never had a mortgage. Their is no legitimate reason for this rejection and they refused to explain the rationale for it. I spoke with XXXX and they had no problem with my credit worthiness. I consider this discriminatory. They have no legitimate reason to deny me the card. I suspect they want people who run up debt and pay interest which I do not do. Further, this rejection is likely to prevent me from getting a credit card from another vendor. What is the reason for this nonsense?
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Account type - Credit card Date opened - XX/XX/year>XXXX  Above Account created under Capital One without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I called Capital One to close my account due to their horrific handling of my lost card ( see previous complaint ). Prior to closing the account the agent let me know that I had {$89.00} ( est ) in rewards available and asked how I would want those. I advised I wanted a written check for the rewards. He said ok, but that the rewards department would have to issue that after he finished closing the account. He finished closing the account, cold transferred me into the call queue for the Rewards Department. The lady in rewards said she could NOT send me a check since the account was closed. He lied. They are refusing to send me my earned monies.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On or about XXXX weeks ago, I dropped my Capital One XXXX XXXX while shopping in XXXX XXXX XXXX, FL. After hours of trying to find it, I reported it lost to Capital One and requested a replacement card to be sent to my daughter 's address that I was currently staying at, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. I was assured it would be sent and the call ended. 

About XXXX weeks later I had not received the replacement card and again called Capital One to inquire about the issue. They could not advise why I had not received the card, made me jump through hoops to get it reported " lost '' again. This time they said they would send it expedited XXXX business days, charge me {$16.00} for the service ( refused to waive this ) and I would get a tracking number for the card to my email. 

XXXX weeks later and the card is no where to be found, no tracking number received and when calling Capital One yet again, they have charged me the {$16.00} expedition fee but can not provide the tracking number ( i.e. they lied and never sent it or put one on it ). Now their manageXXXX XXXX can't do anything to expedite the card I have needed for weeks now, nor can she yet again provide me a tracking number over the phone. This company has lost all caring for its customers, and all trust is lost. Capital One needs to be investigated.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX reported my deceased grandfather 's mortgage on my credit report. We clearly do not have the same Social Security Number, Date of Birth, and living status ( he passed away and I am still alive ).
Consumer complaint received 2020-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have called, sent written notice, and disputed online for inquiries that I do not recognized and/or authorize. 

XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX Card XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I disputed several accounts on my credit report that are related to ID Theft. I also submitted a copy of my police report, victims supplemental financial loss report, and a signed ID Theft Affidavit. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ... .XXXX XXXX XXXX XXXX BANK XXXX ... XXXX XXXX XXXX XXXX ... .XXXX XXXX XXXX XXXX ....
Consumer complaint received 2024-02-21
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation (SC)

SOUTHERN FINANCE SENT ME A CHECK IN THE MAIL! THEY ARE CLAIMING IT TO BE A LOAN, but I NEVER APPLIED FOR A LOAN, I NEVER GAVE CONSENT FOR MY CREDIT TO BE EXTENDED WITH THIS CORPORATION! I DO NOT KNOW HOW THEY RECEIVED MY NON-PUBLIC PRIVATE INFORMATION SUCH AS MY SOCIAL SECURITY NUMBER! THEIR IS NO CONTRACT AND THEY KNOW THIS IS A FACT! THEY HAVE COMMITTED IDENTITY THEFT! THEY STOLE MY INFORMATION, SENT ME A CHECK AND CLAIMING THAT IT WAS A LOAN! WHERE IS THE CONTRACT!!!? I AM NOT OBLIGATED TO PAY THEM A THING! IF THEY DO NOT REMOVE THIS EXPEDITIOUSLY I AM FILING LAWSUIT!