davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

Following fraud discovery when Capital One issued cards under my account to two scammers in XXXX, our old account was closed and new cards were issued. On our XXXX bill, a scooter rental for {$10.00} was charged to our old card, and as per instructions on the reverse of the bill, I wrote to inform them that this was a fraudulent transaction. Capital One responded in a letter and claimed the charge was legitimate. I phoned a number for Capital One Fraud Department I had from my XXXX contact, and the agent resolved the problem. 

Due to this, we did not activate the new cards issued to us, deciding to wait until we found out if this matter WAS resolved. 

We received the XXXX bill and three fraudulent charges for XXXX XXXX downloads were listed on the bill under the account number we never activated. I phoned the Capital One Fraud Department demanding an answer. 

The third agent with whom I spoke claimed the reason for these charges was due to what she termed, " The Visa Automatic Billing Update. '' She explained that this is a service they do for XXXX when a new card number is issued. I stated, " That would never stop fraud. '' The agent stated, " Yes. '' We cancelled our Capital One account. She claimed that we may still get bills. She said that we will NEVER be issued a Capital One card ever again.
Consumer complaint received 2023-03-09
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (DC)

I have tried on two separate occasions to redeem credit card rewards from my Chase credit card. The first time was in XXXX, I tried to purchase a flight using Chase XXXX XXXX  website, but received an error. I tried to call in and sat on the phone for over an hour trying to get someone to help me, and they couldn't explain why I received the error on their website. They thought it was just a problem with the website being down. 

Now, on XX/XX/XXXX I tried again to redeem a flight using my reward and received the same error I received in XXXX. I called to speak to someone on the phone. I was on the phone for over an hour, with them telling me they were receiving an error on their system multiple times, and eventually escalating to a supervisor. It ultimately took me almost 1 hour and 30 minutes. 

Chase advertises that if you redeem rewards for travel on their rewards site you get 5 % back on those rewards purchases. However, they have made it nearly impossible for me to do this on multiple occasions. What I have done to avoid this is just use that credit card to book a flight on my own, through the airline, and then just redeems rewards for cash back on my credit card, but missing out on their advertised 5 % cash back since I did not book through their XXXXXXXX XXXX website. I upgraded my card last year, to this card with a {$95.00} fee as they advertised their 5 % cash back offer on travel booked through their website. I have yet to be able to successfully and efficiently do this. This feels like a deceptive practice of falsely advertising a service that is nearly impossible for me to use.
Consumer complaint received 2020-11-13
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. (OH)

TO WHOM IT MAY CONCERN XXXX XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM, and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (FL)

I have called XXXX numerous times from XX/XX/XXXX till present and are told that I am unable to set up a payment plan and that it is in the legal department and to call XXXX. Every single time that I ask to see if I can pay and I ask for a letter to be sent by mail stating that this debt is satisfies or my payment was received I am told that they are not able to provide me with such letter. I was deeply affected by the pandemic and was without a job from XXXX XXXX up until around XX/XX/XXXX. The interest rates are unfairly and incredibly high and I would like to file a complaint.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2019, I tried to transfer my available Membership Rewards from American Express to my XXXX XXXX account, but the transfer failed since American Express stated that they are reviewing my purchases to see if they meet qualifying criteria. But for all the purchases, I have already paid for all of my balances on all of my credit cards and charge cards and have not missed a single payment before. This has been the third time this year such an issue happened to me. The last time, also happened in this year, took more than three months to resolve the same problem, which resulted in major changes of my travel plan and my schedule. Contacting American Express customer service was not helpful at all since they obviously don't have much access to what is going on for such matter. I have been a loyal American Express customer for years, and I do not understand why such stupid problem has happened to me multiple times in the same year. I have recently received multiple mailer offers from other competitive banks with great card benefits and sign up bonuses. If this can not be resolved in a week, I will seriously reconsider using American Express products in my future purchases and my continuation of paying for such high annual fees for my cards.
Consumer complaint received 2023-03-09
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. (GA)

Collection Agency XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Account Number XXXX 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.

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 2023-03-09
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. (NJ)

Dear Consumer Finance, I am writing to request a correction of the following information on my [ Experian, XXXX ] consumer report : An account ( number : XXXX ) with XXXX is currently being reported as delinquent. This account does not belong to me and has not been updated since 2018. I have reached out to the credit bureau to correct this, but this information is still reporting inaccurately for 2 out of the three bureaus.

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. 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 : A consumer reporting agency can not furnish an 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.

Thank you for your assistance.
Consumer complaint received 2022-06-03
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. (CA)

in accordance with the Fair Credit Reporting act XXXXXXXX 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-31
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

In XXXX I was shopping for a new vehicle and had reached to two local dealerships. On Saturday I contacted XXXX of XXXX and XXXX XXXX of XXXX. I contacted XXXX of XXXX that morning when I saw XXXX XXXX showing there was a hard credit inquiry from Fifth Third Bank. At this point I had not authorized any dealer to run my credit at any bank. I called Fifth Third that same day, XX/XX/XXXX and waited to speak to customer service. Once I finally got through the Fifth Third representative advised me that if there was an inquiry showing in error, because XXXX XXXX did not tell me anymore than that, I should call my bank for assistance. So Fifth Third although they were showing as the hard inquiry this rep told me to call my bank which is XXXX. So now I have a hard inquiry on my XXXX report from Fifth Third Bank that will be there for two years impacting my fico score. I would ike this hard inquiry removed as i did not authorize this credit inquiry.
Consumer complaint received 2023-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX Fraud I gave no consent and have no knowledge of this report. 

Capital One auto finance - XX/XX/XXXX Fraud I never tried to apply for an auto loan and gave no permission to run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraud never applied for any card and no knowledge of running my credit. 

XXXX XXXX XX/XX/XXXX Fraud I gave no consent and have no knowledge of this report. 

XXXX XXXX XXXX XXXX Fraud again I never applied for any auto loan and had no knowledge of this report XXXX XXXX XXXX- XX/XX/XXXX Fraud I gave no consent and have no knowledge of this report XXXX  - XX/XX/XXXX Fraud I gave no consent and have no knowledge of this report
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery Associates is trying to collect on debt that I do not owe. I have asked them to prove that this debt belongs to me on many occasions. They have been unable to do so. They bought some debt from XXXX XXXX for pennies on the dollar to make a profit. They only provide an account summary. They have no copies of my signature anywhere ( because the account isn't mine ). They could very easily say the man in the moon owes that to XXXX XXXX. Portfolio Recovery Associates is a very unethical and immoral company. They buy debt from companies with no proof that the debt is actually owed. This is inaccurate and unverifiable but it has yet to be removed. That is a direct violation of the FCRA.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (PA)

To Whom it may concern : In XX/XX/2019 I moved to XXXX, the XXXX for a new job. In XX/XX/2019, I lost my wallet. I called all of my credit card companies and reported that I had lost my wallet. With some of the companies, I had no issue getting a new credit card sent to my new address in XXXX and others I had a little more trouble with. Since my TD Bank credit card was one that I had trouble receiving at my new address, I figured that I'd wait until I returned back to the US to pick the credit card up then. 

On XX/XX/2019, I called into TD bank to have my card mailed to my US address so that I would be able to pick it up from my house while home for XXXX. 
Upon speaking with an agent they informed me that TD bank had closed my card and would not be reissuing me a new one. I then spoke to the " supervisor on duty '' who informed me that TD had chosen to not reissue my card due to the card not being used enough. When I explained that I had lost the card when I first moved overseas he simply stated he was sorry and that if I want the card back that I would need to reapply. 

I'm writing this complaint because I believe my card was unjustly shut down. I'm still making payments on the card, I like the credit card and the fact that I haven't " used it in a long time '' seems like a very soft reason to shut it down. Furthermore, how do you expect someone to use their credit card if you don't ship it to their address outside of the country? 

I have the police report from the city of XXXX and will be submitting a copy in order to corroborate this information. Again, I feel as though my credit card account was unjustly shut down and would like to have it reopened. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2019-11-19
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. (TX)

On XX/XX/19, there was a negative account from XXXX that reported to my Experian Credit Bureau. This is an account that is fraud and an account apart of others opened that are also fraud. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019 to have it removed shortly after that. Upon not having the issue resolved, I sent certified mail to get this resolved on the XX/XX/2019. This matter is still not resolved.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (VA)

Subject : Honda Wrongly reported missed payment to credit bureaus. 

I leased my car with Honda in XXXX. That time I was residing in XXXX XXXX, VA. Then I moved to XXXX XXXX XXXX, VA in XXXX and informed Honda about my new address. I have been paying taxes since day 1 on time. Below are dates of each year Honda sent me a bill and I made a payment to them. Now after 3 years they are saying you need to pay taxes to XXXX XXXX XXXX. To which I am ok but they reported late payment to credit agencies. I called them and ask help to remove this because I have been making payments on time but they want me to dispute with credit agencies. 
Honda Account XXXX. XXXX Case I opened with Honda : Dispute # XXXX Details of property taxes I have been sending to Honda are below : XXXX ( Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$290.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$290.00}
Consumer complaint received 2019-11-19
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (MD)

Good morning I was originally contacted by one of your loan agents about a refinance opportunity, which in hindsight I should have said no to. I was told I would have a lower rate and would skip a payment. I agreed. I was told the closing would be on XX/XX/XXXX, however, after taking the day off to meet the individual, no one showed, and no one called. I was contact by someone at your agency from Indiana on XX/XX/XXXX at XXXX XXXX  and told we would move the refin to XX/XX/XXXX. I informed this person that I would be out of town, but I could rearranne the trip. We scheduled this appointment. 

During this call, I informed her that I had not paid XXXX as of yet as I was told not to worry about it, I asked ( on a recorded line ) if I should go ahead and pay it. I was told no, that Freedom Mortgage would make the first payment due on XX/XX/XXXX, and we would skip XXXX and XXXX. I encourage someone to listen to this conversation. 

Regardless of whether XXXX would have been due, XXXX would not have been as I was still in the window. However, Freedom Mortgage reported me as 30 days late on my mortgage. As a result, I have had an 80 point drop in my credit score, and I no longer qualify for an automobile loan. This is unacceptable, and unfair as I did everything I was told to do. I have tried calling the phone numbers your employees have told me to call, and after several hours and multiple phone calls, I was told to send an email. I can tell my business is appreciated.

I would like to request that my file be reviewed for loan number XXXX, and my old mortgage loan number so this error can be corrected. I also request a status update, an estimated time for this investigation to be completed and verification of receipt of this request. Again, I completed every task I was asked to do, and I trusted your employees to provide accurate information. 

Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2024-12-02
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

The company has called me 15 times in one day. Upon setting up a payment method I'm the site wasn't able to. The Fair Debt Collection Practices Act ( FDCPA ) limits how often a debt collector can call you, including how many times they can call in a day : Number of calls Debt collectors can't call you more than seven times in seven days, or within seven days of speaking with you about the debt. 
I'm being harassed.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

My company, XXXX XXXX XXXX XXXX XXXX XXXX  has banked with Wells Fargo XXXX XXXX. On XX/XX/XXXX we mailed a check for {$5500.00} to our vendor, XXXX XXXX, XXXX, who banks with XXXX. On XX/XX/XXXX I received a telephone call from XXXX XXXX, relaying that he received a call from XXXX XXXX XXXXXXXX saying the above check had been fraudulently deposited into a XXXX XXXX XXXX account. 
I logged into our account and found that the check had been paid by Wells Fargo on XX/XX/XXXX. I immediately called Wells Fargo XXXX Department, who transferred me to the Small Business Dept. They sent me, via Secure Document Registration, a copy of the check, which showed the check had been fraudulantly endorsed and deposited into a XXXX  account by XXXX XXXX. I opened Claim number XXXX, which now is referenced claim XXXX, and my notes from that conversation are that Wells Fargo advised to make a police report and said it would take 10 days to resolve. 
Based on this promise, I wrote XXXX XXXX a replacement check, which he cashed without incident. 
I also filed a Police Report # XXXX on XX/XX/XXXX with the XXXX XXXX XXXX. 
On XX/XX/XXXX, and again on XX/XX/XXXX, having not been made whole in 10 days, I contacted my local Wells Fargo XXXX XXXX XXXX XXXX XXXX ) to inquire what was going on. XXXX XXXX, of that branch, talked to someone at Wells Fargo, who said I had been mailed an affidavit, which I neve received. Finally, on XXXX XXXX, I asked XXXX XXXX to print the affidavit. I completed it in her office, XXXX XXXX notarized it and uploaded it to Wells Fargo while I was there. 
On XX/XX/XXXX, I contacted Wells Fargo and they informed me that Wells Fargo had 100 days to resolve this. XXXX XXXX also had to sign and notarize the form, which he immediately did and I forwarded to XXXX XXXX. 
It is now XX/XX/XXXX, 67 days after my original complaint and my local branch is no longer answering my email inquiries about this. I have been made aware by a Detective from XXXX XXXX, that for a long established customer, such as myself, that standard procedure would have been to provide provisional credit in the fraudulently stolen amount of the check while they investigated, which should have been realistically be completed in 10 days, per the original conversation. He also advised me to file this complaint.