davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (WI)

In XX/XX/XXXX the debt from XXXX XXXX XXXX had started being collected. XX/XX/XXXX : {$25.00}, XX/XX/XXXX : {$31.00}, XX/XX/XXXX : {$45.00}, XX/XX/XXXX : {$47.00}, XX/XX/XXXX : {$52.00}, and XX/XX/XXXX : {$52.00}. A total of {$250.00} for the hardship payment plan. Each of those payments were made and that completed the relationship I had with the company, or so I thought. In XXXX of XXXX they reported to my credit that I had not paid them and owed them money. I did not noticed this change to my score until XXXX. They called me and said I owe them and requested to speak to a manager. XXXX, said manager, claimed he could see my payments and will be updating my account. I waited a few weeks and when I did not see the subsequent changes to my credit score I  called them back on XX/XX/XXXX. I spoke to a different XXXX who gave me a reference number of XXXX and an email to send my official bank statements to via email. I waited one month and when I again did not see the changes I was promised on my credit score I  called them again on XX/XX/XXXX and was told they no longer use that email. I spoke to a XXXX XXXX who gave me a mailing address and said to mail a letter explaining what happened and the official bank statements and I did. I now receive 1-2 different  correspondences weekly saying the information I provided is not enough to support my claim. They say I now owe them {$320.00} and I already paid them.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (PA)

On XXXX XXXX, I made reservations through XXXX for The XXXX in XXXX XXXX, NJ, for the date of XX/XX/XXXX. I proceeded to make another reservation at the XXXX XXXX in XXXX, PA, for the following date of XX/XX/XXXX. 

On XX/XX/XXXX, my Synchrony XXXX XXXX XXXX XXXX XXXX charged by an unknown company XXXX XXXX  ) in the amount of {$280.00} in relation to a reservation at The XXXX. Synchrony closed that card and issued me a replacement card with new numbers. 

When I arrived at The XXXX on Saturday, XX/XX/XXXX, they showed only one reservation made in my name. My defense is that only one reservation was made by me online. 

On XX/XX/XXXX, I spoke with XXXX from The XXXX in XXXX XXXX XXXX XXXX ( EXT XXXX ) and only one reservation shows online purchased through XXXX 

When I googled XXXX there are several complaints of fraudulent charges concerning their company that show up instantly. 

Upon reviewing my case, Synchrony Bank has denied that the charges from XXXX are fraudulent and have denied the requested refund to my account. As a result of that I closed my credit card.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been an excellent customer with a Capital One Venture Card for many years. 
After my card apparently was compromised ( probably during a trip a couple of weeks ago ), Capital One has insisted repeatedly that they need my mobile phone number for security purposes before sending me a new card. They never mentioned anything about using email as an alternative. 
This makes absolutely no sense. I have been living at my current address for over 8 years, and they would have been sending my new card here to this address. Also, I was telephoning them from my home phone number, and their recording even stated that I was calling from the number that they had on file. 
In my opinion, this was an attempt to obtain my mobile phone number ( which I try to protect -- and yes, I do realize that it is a losing battle ). This had absolutely nothing to do with security. 
So, I literally ended up closing my Capital One credit card account over this. 
I would also like to add that I received an email stating that Capital One was going to send me a new card ( even though they did not ). 

Thank you.
Consumer complaint received 2020-09-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

my loan was recently sold to freedom mortagage company in virginia and I was told by my previous lender my payment would not change. Online it showed to pay XXXX, my paper bill shows XXXX. When I call they say it is XXXX. The company says I owe three different amounts and claim my escrow is behind which was never a problem with my original lender. I have only been with this company two months and they have managed to XXXX up my entire mortage. When i reported it I suddenly lost access to my online account and they stopped returning my calls. The paper statements dont even match what their system shows. I feel this company just buys loans to try and foreclose their homes and charge unnecessary fees.
Consumer complaint received 2020-09-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

Hello, I opened my checking account with US bank on XX/XX/2022 at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX. 
Since that day I been having trouble to access to the online banking, I already have my user ID and Password but the system doesnt allow me to access. 
I sent several emails to XXXX, and on the last email I was requested to go to te branch, situation that is impossible because Im in Florida right now until next year, there are no branches here.
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

Original Creditor : XXXX XXXX  Merchant Name : XXXX  Original Account Number : XXXX Current Servicer : Midland Credit Management , Inc XXXX 
MCM  Account Number : XXXX Current Owner : Midland Credit Management , Inc . 
Current Balance : {$2100.00} I have obtained my credit report and found there accounts I never opened, an addresses I never resided, inquiries I never made and even a different variations to my name. I also found this account and is not mine. I am not liable for this debt and I do not have a contract with this company. I also filed complaint with the XXXX XXXX XXXX. I have contacted this company multiple times to inform them this account was fraudulently open due to Covid-19s scams and frauds. This is not my account and I want it removed of my credit report at once
Consumer complaint received 2020-09-16
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. (TN)

Hi! My two student loans that I have with XXXX XXXX XXXX are currently reporting incorrect information to all three credit bureaus ( XXXX, XXXX  & Experian ). On XX/XX/XXXX ; I took a settlement offer for {$7500.00} with XXXX but through their " sister company '' XXXX XXXX XXXX. That settlement agreement was to pay {$300.00} over a course of 24 months ; which I've been making monthly payments every month. 
XXXX XXXX XXXX is reporting my account as charged off, past due, & showing/reporting that I'm not making payments at all. XXXX still owns my account & is reporting this incorrect information monthly. I have disputed it with all three credit bureaus agencies ( XXXX, XXXX & Experian ) for the 3rd time as of XX/XX/XXXX with supporting documentation. If this comes back for a 3rd time, that XXXX states " information is correct '', the credit bureaus will be investigating it as " fraudulent reporting ''. I have contacted XXXX  on XX/XX/XXXX & spoke with a lady named XXXX, agent ID # XXXX ; she was very rude and made it very clear that XXXX would not report that information correctly. XXXX ( XXXX Employee ) admitted that they've received payments every month & my current balance showing is {$6700.00}. I explained to her that this was not right but she didn't care. 
I've been working with my financial advisor & mortgage lender ; they recommended reaching out to the Fair Credit Reporting Act because this is causing my credit report to look extremely bad & causing my credit score to be lower every month. 
At this point, I need help getting this issue resolved and at least reporting the correct information. 
Thanks!
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I had a small business loan deposited into my checking account at Capital One 360. I have been a member with a XXXX account and credit cards for more then 3 years. I transferred funds into a XXXX account that I control and suddenly my account is flagged for XXXX. I was told that sole proprietors do not need a business account for XXXX loans. After the funds were placed on hold I received no phone calls, mail or emails from Capital One 360. When I call in myself Im told its under investigation and I just have to wait, its been over 35 days. I have called in multiple times to fraud and no one gives me a straight answer. I cant find any information about how to get my money released. I called XXXX and was told they can not recall a loan, that it has to be sent back even though the XXXX department insisted on it. I am going to loss my business, I havent paid my rent, my electric or anything for months because I had to wait 5 months before they distributed anything. I attempted to open a business bank account only to find out I was denied and they closed my credit cards for no reason. Please tell me whats going? How are banks allowed to hold money sent from the government. Can someone please help me before I lose my home and my businesss? 
Thank you, XXXX XXXX
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

Dear Wells Fargo, I am writing to request a refund for an unauthorized XXXX transaction on my Wells Fargo account. I discovered a transfer of a total of {$3800.00} from my account to an unfamiliar recipient. I immediately reported the incident to Wells Fargo, providing all relevant information regarding the transaction. Wells Fargo is required to investigate all reports of unauthorized transactions. 

However, I am disappointed that the bank has declined to issue a refund, citing federal law as the reason. I believe that I am entitled to a refund under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The EFTA and Regulation E state that a bank is liable for unauthorized electronic fund transfers if it fails to implement reasonable security procedures to protect its customers ' accounts. In my case, Wells Fargo 's own investigation revealed suspicious activity on the Client 's online banking account, with logins recorded from locations such as Texas, XXXX XXXX, and even XXXX. 

These findings strongly indicate unauthorized access and fraudulent activity. As a responsible account holder, the Client have always taken necessary precautions to protect my account information. I have never shared my account number or password with anyone, and I use a strong password that the client change regularly. The client also use two-factor authentication whenever possible. 

Given the circumstances of my case, The client believe that Wells Fargo is obligated to issue a refund for the unauthorized XXXX transaction on my account. I respectfully request that you reconsider your decision and promptly initiate the refund process. In the previous letter, the client was asked to provide new evidence regarding the claim, I have attached all the evidence regarding the claim, including the police report. Thank you for your time and attention to this matter. I look forward to hearing from you soon. Sincerely, XXXX XXXX
Consumer complaint received 2020-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a XXXX  credit card a few weeks ago and today XX/XX/20 I received a letter in the mail stating that the reason I was not approved for the credit card is because there are accounts in negative standing appearing on my credit. I didn't know what accounts they were referring to as I looked through my credit report and I saw two accounts that are not mine. The account names are XXXX XXXX XXXX and XXXX XXXX XXXX. Neither of those accounts belong to me ; I did not open them and I did not give anyone permission to open them in my name. I do not have any type of written or verbal contract with those companies nor did I benefit anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a complaint with the Consumer Financial Protection Bureau as well as a police report.
Consumer complaint received 2022-04-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

SELECT PORTFOLIO SERVICING IS IN VIOLATIONS OF THE FDCPA 15 USC 1692 - 1692. Congressional findings and declaration of purpose 1692a. Definitions 1692b. Acquisition of location information 1692c. Communication in connection with debt collection 1692d. Harassment or abuse 1692e. False or misleading representations 1692f. Unfair practices 1692g. Validation of debts 1692h. Multiple debts 1692i. Legal actions by debt collectors 1692j. Furnishing certain deceptive forms 1692k. Civil liability BY REPORTING ON MY CREDIT REPORT, CREDIT FILE AND COURT DOCUMENTS THAT THEY " OWN '' THE MORTGAGE ASSIGNMENT TO XXXX XXXX XXXX XXXX, XXXX AND BY MAKING THOSE FALSE STATMENTS TO XXXX, XXXX AND XXXX CREDIT BUREAUS. 

PER SPS THEY ARE " COLLECTING FOR '' XXXX XXXX  XXXX XXXX XXXX. BUT THEY ARE REPORTING " SELECT PORTFOLIO SERVICING OWNS THE DEBT TO THE CREDIT BUREAUS BY REPORTING THEIR BUSINESS NAME WITH NO MENTION OF XXXX XXXX XXXX XXXX XXXX. PER THE FCRA - CREDIT COLLECTOR MUST REPORT 100 % TRUE AND ACCURATE INFORMATION.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I have a credit card issed from JCP Mastercard. It started as a store card then they gave me a JCP credit card. I have been a member since 2015 never missed a payment. They increased my credit limit. Now because of COVID-19 money is even tighter. I still have not missed a payment. I called, Monday XX/XX/XXXX at XXXX pm, to see if they could work with me and give me a lower interest rate. Their intrest rate is 25.99 % I asked if they could lower it. They said no. I asked is their anything they can do for me. They said defer payment for one month. I asked if I would be charged interest that month. Yes, I will still be charged interest. I said is their anything they can do to help their customers hurting financially from COVID-19. Defer payment one month, that is all. I wanted to file a complaint. He said I could file a complaint but there was no one to turn in it to it would just be kept on their file. 
Under the circumstances of everyone hurting with less or no work I feel like their should be more options to help customers not default on payment. I feel like they are taking advantage of people.
Consumer complaint received 2020-09-16
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. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A check fraud claim was started on XX/XX/XXXX without my consent or knowledge. Then on XX/XX/XXXX caught the error closed the claim taking XXXX out of my account again without my knowledge. 
I didnt know anything had taken place until I received a low balance notification after paying a traffic ticket. 
My account is now negative XXXX and I am missing Important payments because of this error. 
I spoken with reps at BoA. One XXXX was very Rude! Telling me its not your money & you need to manage your as count better Another Rep found and admitted to the problem of filing a claim without my consent or knowledge but stated they cant help me. 
This is virtually stealing from me and cause extreme negative impact on my life. I can eat or pay bills at this time. I would like investigated Immediately. I have been a Bank of America Customer for XXXX yrs and this is the worst experience I have ever had with any bank
Consumer complaint received 2021-01-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE SUBMITTED A COMPLAINT AND TRIED TO WORK THIS OUT WITH THE COMPAINES BUT THEY WILL NOT HELP ME.CAN SOMEONE PLEASE HELP ME
Consumer complaint received 2020-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME BECAUSE THEY WAS OPEN FRAUDULENTLY SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS WITHOUT MY KNOWLWDGE STOLE MY SOCIAL AND ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY CREDIT SYSTEMS INC (MA)

I had purchased a XXXX XXXX XXXX from IRA XXXX XXXX in XXXX. AT the time of purchase I enrolled with XXXX XXXX for a program that, through bi-monthly payments would pay of my debt quicker. The loan company was XXXX bank. 
Two weeks ago i received a notice of an outstanding debt owed to XXXX plus dating back to XX/XX/XXXX. I was set up with Autopay for automatic withdrawal bi-monthly. My transaction history shows the following : My first payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
My second payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
On XX/XX/XXXX the debit was reversed. 
On XX/XX/XXXX funds were disperesed to my account for a home refinance, and payoff of `the XXXX XXXX XXXX A few weeks after I received the title for the vehicle. The check for payoff to XXXX was written out and sent to by the closing attorney. As far as I knew, once I was given the title all outstanding debts were paid off. 
I never received any notification from XXXX of a missed payment until XX/XX/XXXX. 
I spoke to the loaner XXXX bank, no issue. After much digging on my part I had a three way call with my Bank XXXX XXXX  and Autopay. During this call it was shown and stated by TD bank that neither myself or XXXX XXXX  had stopped payment. They proved this by pointing out the transaction history would look different. The only conclusion is that XXXX reversed the payment whether purposely or accidently or that there was a glitch somewhere. Had I been notified in the months after of an error, I had sufficient funds to right this. Three years, a year of pandemic, 9 months out of work, a new job making half the wage I made, I am strapped. I am at a loss on how the blame is solely on me.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (TX)

Bank : Wells Fargo credit card for XXXX  Heating and Cooling Products. 

Company : XXXX XXXX XXXX, specifically XXXX " XXXX '' XXXX. XXXX XXXX ran a credit check to see how much I qualified for. But he pulled his offer and we never did business. I never authorized a credit card be issued to me and I received a credit card for an open line of credit today. I only authorized a credit check NOT a credit card nor a line of credit. He's doing all this over the phone and also requested I send my personal information such as my SSN through email. 

XXXX XXXX : ( XXXX ) XXXX Email : XXXX. 

To reiterate : I agreed to ONLY a credit check and did NOT authorize the credit card or line of credit be created under my name.