davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020, I made a purchase on Walmart.com with my Walmart Credit Card/XXXX XXXX Merchant Name : XXXX XXXX XXXX DATE OF TRANSACTION : XX/XX/2020 Amount of Dispute : XXXX Due to CoVid, I thought purchase a Ultraviolet machine to disinfect. In making an Medical appointment, I mentioned purchasing the machine and told with my health I should not be using it. I immediately logged into my Walmart.com account to cancel the order. The same day XX/XX/2020 XXXX  sent me an email stating the third party vendor would contact but did not receive a call nor an email. After not receiving that email, I called to dispute the charge and it was credited back to my Walmart Card. Although I sent cancellation and refund, I continued to monitor because I wasnt confident this company would cancel the order. I found that this company shipped the item a month after cancellation so I sent another email on XX/XX/2020. I asked XXXX why would they ship the item after I cancelled the order. On XX/XX/2020, XXXX finally replied apologizing and ask for more details and if I still do not need to ship it back. This was a delay tactic for the package to be accepted then I would have difficulty sending it back and get my refund. This company purposely waited until XX/XX/2020 to process the order anyway but I intercepted and return to sender. On XX/XX/2020, I received a rebuttal letter from XXXXXXXX XXXX  stating the merchant says he did not receive a cancellation notification from me. XXXX received the item back on XX/XX/2020 @ XXXX XXXX  unopened and returned before delivery to me. XXXX added this charge back to my account for some flimsy excuse and should not be.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020, I made a purchase on Walmart.com with my Walmart Credit Card/XXXX XXXX. Merchant Name : XXXX XXXX XXXX DATE OF TRANSACTION : XX/XX/2020 Amount of Dispute : XXXX Due to CoVid, I thought purchase a Ultraviolet machine to disinfect. In making an Medical appointment, I mentioned purchasing the machine and told with my health I should not be using it. I immediately logged into my Walmart.com account to cancel the order. The same day XX/XX/2020 Walmart sent me an email stating the third party vendor would contact but did not receive a call nor an email. After not receiving that email, I called to dispute the charge and it was credited back to my Walmart Card. Although I sent cancellation and refund, I continued to monitor because I wasnt confident this company would cancel the order. I found that this company shipped the item a month after cancellation so I sent another email on XX/XX/2020. I asked XXXX why would they ship the item after I cancelled the order. On XX/XX/2020, XXXX finally replied apologizing and ask for more details and if I still do not need to ship it back. This was a delay tactic for the package to be accepted then I would have difficulty sending it back and get my refund. This company purposely waited until XX/XX/2020 to process the order anyway but I intercepted and return to sender. On XX/XX/2020, I received a rebuttal letter from Walmart/XXXX XX/XX/XXXX stating the merchant says he did not receive a cancellation notification from me. XXXX received the item back on XX/XX/2020 @ XXXX XXXX unopened and returned before delivery to me. XXXX added this charge back to my account for some flimsy excuse and should not be.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

During my annual review of my credit report, I notice per XXXX a collection from Credence Resource Management , LLC on behalf of XXXX XXXX  for {$740.00}. I contacted Credence Resource Management at XXXX on XX/XX/XXXX on a recorded line, per my conversation with the initial rep and a person claiming to be a manager, I asked to verify the total amount and when and to where did they send me any communication regarding this account. The came back with an address that is not associated with me, nor could not provide a true history of the account balance. I wanted to resolve this matter as quickly as possible and I asked for a settlement amount as I do not agree with the balance of {$740.00} as I have maintain all invoices during the last year of service and the bill for service was not {$740.00}. They came back with a figure of roughly {$470.00} which is still double the amount. I asked the manager to please see me an invoice or documentation stating the settlement offer in an email which he stated he would do, however, I have not received any other communication. 
Since, I did not receive proper notification from the debt collector regarding the : 1 ) The amount owed 2 ) Name of Creditor and 3 ) Consumer rights I submitted a despite letter to Credence Resource Management , LLC on XX/XX/XXXX to XXXX. I provided a detail timeline of the invoice and the correct amount I owed this company along with a settlement offer and supporting documentation but the company respond on XX/XX/XXXX ( less than one week ) they have confirmed the debt with the creditor. I feel both Credence Resource Management and XXXX XXXX are in violation of state and federal law regarding debt collection. Upon requested of evidence supporting debt, none have been provided.
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

They called me and left me a message saying they needed to deliver some papers regarding a civil lawsuit against me. I returned the called. They had my name, address, birth date and social. They gave me the addresses of where my ex-sister-in-law lived ( we had the same name at the time ) and told me she must have used my identity to set up the account. They said she had paid on it for 6 years before defaulting and said I owe {$4000.00}. They told me I would need to wait for the papers to arrive and then dispute it. Here it is, one month later, I've called them 3 times to find out where these papers are and they keep telling me they're with the courier. The guy I spoke with today was extremely rude, told me my credit score was going to take a hit, legal threats etc and hung up on me. To be clear, I never owned this account and never lived at the addresses they had on file ( other than my current address ). I ran my credit report and nothing showed up. I feel like something shady is going on. 
Why do these people have my information and why are they threatening me with a lawsuit? I can't get any answers from them.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have only 2 open credit card on my account a XXXX XXXX  card and XXXX XXXX  both operating under XXXX XXXX XXXX and XXXX XXXX. 

under XXXX  card/ XXXX they are reporting multiple late payments I asked about htis on numerous phone calls and they told me they can not provide any information over the phone and I should dispute it with the credit bureaus. Why are they doing this I am not homeless with my XXXX kids sleeping in my XXXX because I can not get approved for an apartment because of these reporting incorrectly with no explanation! I called to have the remove from my credit and they keep telling me to dispute it and I am constantly going back and forth and they advise they made notes to their system. 

The second surge card is also reporting a lateness and I contacted XXXXXXXX XXXX they told me that I was never late but yet they are reporting this information This is an unfair practice and these are predatory cards that are {$300.00} credit limits with a XXXX to XXXX $ annual fee. they were the only ones to approve me after i had credit issues and I really appreciate that - but reporting incorrectly is truly disgusting. 

Also in my conversation with the XXXX XXXX I advise please can I pay off the card and have the entire account removed from my credit because I can not have my XXXX children sleeping in my moldy XXXX any longer they keep saying they do not have any information to provide about the lateness reporting. 


I need these incorrect reporting off my credit even if that means me paying these balance sin full and have them removed i will do anything please!
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My wife and I own XXXX XXXX XXXX XXXX which is a real estate holding company for a commercial building ( Preschool ). Our business Bank account is held with Fifth Third Bank. On XX/XX/2022, our banking representative reached out to us asking if we tried to submit a {$500000.00} wire. We informed her that we did not and she was able to stop that transaction from happening. The following day ( XX/XX//2022 ) I logged into Fifth Third 's online banking website to check my account and noticed a wire transaction was processed in the amount of {$100000.00}. We did not initiate this wire and immediatley notified our representative and she confimed a wire in the amount of {$100000.00} was indeed sent without our consent and she filed a Fraud case with their Fraud Department. They tried to reverse/recall the wire with no success and now our Small Business is out of {$100000.00}. After a Fifth Third internal investigation, the bank is claiming the money can not be retrived.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (FL)

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 XXXX XXXX XXXX XXXX XXXX : XXXXAccount has violated my rights. Or list of inquiries 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 2021-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

The information provided generated more questions than answers. I was told the fees go back to 2018. I am confused ; Why would a company continue to extend the fees each month instead of recouping the fees as soon as possible? I was told by SPS 's representative that this practice is one that all mortgage companies use ; however, I have never seen anything like this and my mortgage has changed companies on at least 3 occasions.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 I, a consumer and natural person, was denied credit by XXXX Bank when I applied for Application Number XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX Bank due to the response I received. XXXX Bank is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX Bank according to law.
Consumer complaint received 2023-03-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I no longer live

in America and I havent lived there for some time. I noticed inquires and accounts on my report today that I didnt recognize and believe that I have been a victim of identty theft. I need for these to be removed immediately. I have detailed the following list please remove. I have already contacted all of the different agencies, and basically they are on their own timelines. Takes months toget back to me and when they do they just say it was verified. How is this possible. How do you verifiy something that is fraud. No one contacted me, they couldnt have went to my address because I dont live there anymore. It just says verified. Now I need it removed. It is stopping me from being able to aquire housing
. 

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, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Please remove I have filed identity theft through the authorities and now need this removed. I have taken all the steps they said I needed to take. Now they are just making excuses.
Consumer complaint received 2020-07-09
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: Experian Information Solutions Inc. (NV)

I am writing in regard to XXXX Secured Credit account ending in XXXX opened in XX/XX/2020. Despite having made timely payments during the last four moths, neither XXXX or its parent company XXXX XXXX, XXXX. have reported this information to credit bureaus. The ONLY information reported to Experian appears to reflect that my account is in " dispute '' status. I have telephoned both XXXX and Experian directly to inquire about this 'anomaly '. Both remain unable to provide a logical explanation for this on-going issue. Both companies seem content with 'passing the buck ' or blaming the other while suggesting that I contact them. 

To date, this issue remains unresolved. 

I opened this secured line of credit and agreed to pay the exorbitant fees and interest rates required by this financial institution with the expectation that information about my credit usage/activity/payments would be reported to the major credit bureaus every month. According to Experian and Experian.com this has not been happening.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I would like to file a complaint against PenFed Credit Union. I apply for a refinance in XX/XX/2020, I was advised it would take up to 90 days which was fine with me, the 90 days should be in XXXX, then I was told it would be in XXXX, then it would be in XXXX then move to XXXX to XXXX then XXXX then XXXX here I am in XXXX and still cant close. I sent the requested documents several times ; each time I called I was given a different excuse and I would have to resubmit the documents again in XXXX they gave a closing date of XX/XX/XXXX, less than 24hours they call to say my documents expired. and my will will be delayed. 

I ask them several to please refund my appraisal fee since it was no fault of mine for the delay and long wait they refuse. One of the expired documents was the appraisal report. 

I call and leave several messages with the manager XXXX XXXX, she refused to take my calls or respond to me. 
They finally sent me a final closing and they are charging me $ XXXXfor a new Appraisal report which I paid $ XXXX in XXXX for the Appraisal report. 




I would like you please assist me in this matter, looking forward to a speedy reply Thank you XXXX
Consumer complaint received 2020-07-09
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. (PA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible
Consumer complaint received 2021-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

The first credit card was opened for Kohls Capital One bank which was opened on XX/XX/XXXX. They are only reporting some of the payments I made on the account. When my account got closed ... they reported I made NO payments which is inaccurate. I then settled the debt of {$200.00} directly to the creditor on XX/XX/XXXX. BEFORE I paid or settled the debt I asked for a letter in writing to delete the account. The representative whom name is XXXX  extension XXXX stated to call back in 7 days for the letter of deletion to be sent out and for the credit bureaus to be updated. I never received that letter being over a YEAR later. The account is marked off as legally paid in full for less than the full balance. I reached out to the company XX/XX/XXXX to ask about the deletion letter since Ive reviewed my reports and it is hurting me financially and emotionally they stated they do not do pay to delete letters so now I feel I was lied too to just pay my debt and I am left with a negative remark on my credit. I disputed the charges via by mail, email, phone call... I am getting no resolution. 

The second credit card was by XXXX XXXX XXXX  which was opened on XX/XX/XXXX. I have sent in multiple disputes as well for this account via mail, email and by phone. They reported my account closed TWICE... .I have been trying to understand how a company can charge you twice for the same credit card? I repeatedly sent letters out JUST to get the one inaccurate charge off. I hired a credit repair company out of desperate needs to improve my credit report. They did not do much justice for my situation. I then was back at square 1 figuring out what to do. I called XXXX personally to get these inaccurate charges off. I settled my debt on XX/XX/XXXX for the amount of {$170.00}. I pleaded to them my responsibility of debt since I have been a member of them by having perfect payment history and I have 3 lines of credit open that are in perfect status. 

All I have received by the companies via mail is letters stating what I owe ... which is a balance of {$0.00} for the company. No information further of them deleting the account or any investigation.
Consumer complaint received 2020-07-09
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. (PA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NJ)

Received sealed Vanilla XXXX Visa Gift Card as gift. Recently opened sealed gift card for use and found that is was rejected, so I checked balance and saw that the card had already been activated a year before funds were loaded, XX/XX/XXXX, even though it was in sealed package. My gifter loaded {$250.00} onto card on XX/XX/XXXX, someone monitored that card and saw it was loaded and then used the entire balance the next day, XX/XX/XXXX. According to Vanilla XXXX, their gift cards can not be reloaded and newly funded cards can not be use until after 24 hrs. If their controls had been in place, this would have prevented the fraud from occurring. It seems odd that a sealed card that was activated a year before it was loaded would be quickly monitored and funds withdrawn the next day after it was loaded. I would not be surprised, if this was some highly organized scheme within Incomm, since I have found numerous issues reported by other consumers of funds withdrawn from these same gift cards after they were loaded and not action from Incomm.