davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I made a payment in the amount of {$980.00}, to Capital One via the XXXX XXXX XXXXXXXX XXXX online bill pay service. This amount was never reflected on my Capital One credit card statement. I contacted the XXXX XXXX XXXX about the transaction on XX/XX/XXXX and was informed by the XXXX representative that the amount was in deed paid to Capital One. I was given the ACH number and related transaction number. The XXXX XXXX XXXX representative and contacted Capital One via conference call and described the issue with one of Capital One 's supervisors ( name not remembered ). I received no further correspondence from Capital One but on XX/XX/XXXX, a refund was in the amount of {$980.00}, was posted to my XXXX XXXX XXXX account. 

Why was the money refunded and not applied to my Capital One credit card account? Interest continues to accrue. 

Then on XX/XX/XXXX, I made another payment to Capital One in the amount {$1000.00} via the XXXX XXXX XXXX XXXX online bill pay service. This amount was never reflected on my Capital One credit card statement. I contacted the XXXX XXXX XXXX about the transaction on XX/XX/XXXX and was informed by the XXXX representative that the amount was in deed paid to Capital One. I contacted Capital One and was told by a representative of management there, that the matter would be investigated. To-date I have heard nothing from Capital One and my balance with them still does not reflect the {$1000.00} payment. 

Then I noticed on my XXXX XXXX XXXX account statement that on XX/XX/XXXX, the amount of {$28.00}, was deducted from my account by Capital One. I verified with XXXX that this transaction was directly debited from my account by Capital One. This transaction has never appeared on my Capital One credit card statement. 

Then I noticed on my XXXX XXXX XXXX account statement that on XX/XX/XXXX, the amount of {$580.00}, was deducted from my account by Capital One. I verified with XXXX that this transaction was directly debited from my account by Capital One. This transaction has never appeared on my Capital One credit card statement. 

I have never given Capital One authorization to directly debit my XXXX XXXX XXXX account. How could this be done? 

It is noteworthy to inform you that I have authorized Capital One to auto debit {$40.00} each month from my account with XXXX XXXX. which they have done correctly for more than 5 years now. These payments via XXXX XXXX XXXX were extra payments
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (OH)

Received a call from XXXX at XXXX XXXX advising this is their last attempt to reach me regarding an account in 2007 with Wells Fargo. Advised XXXX at XXXX that I do not know what he is talking about and that I will contact Wells Fargo to discuss further. Contacted Wells Fargo and spoke with a nice representative named XXXX. XXXX advised any accounts that old would not be valid anymore and if the amount was less than {$5000.00} they would not proceed. XXXX advised this seems like a scam and they are trying to get money ( scam/fraud ). XXXX word for word advised how scams like this go. Same exact explanation from XXXX at XXXX. XXXX refuses to provide me with any documentation regarding this account and advised he will be sending a process server out to serve me with court documents.
Consumer complaint received 2020-05-29
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: Firstsource Business Process Services, LLC (FL)

REMEDY : DELETION OF SAID ITEM AND PAYMENT OF INVOICE DUE TO FCRA VIOLATIONS for Damage of Reputation, Pain & Suffering, Harassment, Violation of Privacy, Selling of Private information without my written permission, Telephone Harassment ( over 10 phone calls after asked to refrain ) {$100000.00}.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

on XX/XX/2020 I 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 I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (AL)

There are several accounts reporting incorrectly and there are accounts that are reporting as a result of identity theft. Please correct the following inaccurate status and remove the following fraud accounts : Incorrect Personal Information : Names : XXXX  ( XXXX  ) Names : XXXX XXXX XXXX ( XXXX  ) ; the correct is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( XXXX, XXXX, Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX, Experian ) The following status is inaccurate on the following accounts : XXXX - Opened XX/XX/XXXX Balance : {$15000.00} I was never 90 or 120 days late XXXX - Opened XX/XX/XXXX Balance : {$0.00}. I was never 30 days late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Opened XX/XX/XXXX ( XXXX ) & XX/XX/XXXX ( Experian ) Bal : {$2800.00} XXXX ( XXXX XXXX ) - XX/XX/XXXX Bal : {$2900.00} ( XXXX  ) XXXX  ( XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX Bal. {$110.00} ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ( XXXX   ) & XX/XX/XXXX ( Experian ) Bal : {$3500.00} XXXX  ( XXXX  ) Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$120.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( XXXX  ) Bal : {$260.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  and Experian ) Bal : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX XXXX Bal : {$160.00} XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX ) Bal : {$120.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX ) BAL : {$100.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$360.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  and Experian ) BAL : {$1200.00} XXXX - Date Open : XX/XX/XXXX ( XXXX ) BAL : {$3500.00} XXXX  XXXX - Date Open : XX/XX/XXXX ( XXXX ) & XX/XX/XXXX ( Experian ) BAL : {$0.00} XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX   ) & XX/XX/XXXX ( XXXX  & Experian ) BAL : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  and Experian ) BAL : {$2300.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX   and Experian ) BAL : {$1000.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX   and Experian ) BAL : {$0.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  and Experian ) BAL : {$1700.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX ( 6 TIMES ) XXXX XXXX XXXX 2 TIMES )
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

Throughout the years I have made payments with all my credit cards and they have always first paid the highest interest rate balance first and then if any money was left from the payment, the bank would pay it toward the rest. I did a balance transfer payment to my Wells Fargo signature credit card on XX/XX/XXXX for an amount of {$7500.00}. I had made other payments that month one for the minimum and another just to round up my balance, {$250.00} and {$150.00}. The additional {$7500.00} was supposed to pay off my purchasing balance ( whatever I had bought that month ) and a portion of a promotional rate ( with a balance of {$6300.00} ) which was expiring that month ( expiring XX/XX/XXXX ) into regular rate. I had just obtained another promotional rate from Wells Fargo which was 0 % until XX/XX/XXXX in the amount of {$5000.00}. What Wells Fargo did was, they took the {$7500.00} and divided it into 3 and paid it toward 1 ) {$1500.00} toward Purchasing balance 2 ) {$3300.00} into the promotional rate balance that was expiring XX/XX/XXXX leaving me {$2900.00} of {$6300.00}. 3 ) {$2700.00} of the {$7500.00} was applied toward the promotional balance of {$5000.00} at 0 % that will expire on XX/XX/XXXX leaving a {$2300.00} balance. I called Wells Fargos Credit card customer service line and they said it shouldnt have been applied that way and they will try to fix it. They said that they will make an exception and send the money back to my savings instead of sending it back to the Credit card which I did the balance transfer from so that I can remake the payments so they would apply the balance to the lower interest rate. This never happened and I called back. They told me their colleagues gave me the wrong information, they cant do that, actually they cant do anything. They told me to file a complaint with them, so, I did and the investigator sent me an email and said they did the right thing and they cant change it. I am so frustrated because none of my credit cards including Wells Fargo have ever done this to me. I always pay down or off high interest credit cards and this is the first time they divided it and applied one third of the payment towards a 0 % rate. I am brining this to your attention because I dont think this is in the best interest of any consumer to experience what happened to me. I would like to know if there would be anything your agency could do to raise awareness and make this right.
Consumer complaint received 2020-06-23
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. (NY)

This creditor is giving me no choice but to file a Cfpb complaint regardless I have been disputing this account since XX/XX/2019. I do not see that they are taking my disputes seriously as they keep on reporting the same information without investigation. 

The incorrect and inaccurate reporting is greatly affecting the credit score that hinders me from getting a car. I already disputed this account and called the creditor and yet they havent fixed this issue. This account is only reporting in Transunion which I do not understand what is the basis on keeping it in my credit report. Most of the account information in the report was inaccurate. I would like this account removed as soon as possible.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

Hi, I had a Chase debit card need to renew in XX/XX/XXXX this year. But I did not received an information from Chase before I contact Chase. They did not inform me that a new card sent to me or mail the new debit to me directly. I had to contact to Chase by phone on XX/XX/XXXX for asking for renew card, they said the new should be arrived within one week. After contacted them, I also got a email confirmation that the new debit card would be sent out on XX/XX/XXXX, but I did not received the new card before XX/XX/XXXX, I called them again Chase customer service said they just sent the new card out, I should received it next week. But I did not received it in next week. I had to contact them again by secure message through Chase bank system on XX/XX/XXXX and XX/XX/XXXX, but no one answer me. Today is XX/XX/XXXX, I still do not received my new debit card or received any information from Chase. That means I have Chase account, but I do not have Chase debit card, how can I do deposit on Chase ATM? I only have to go to Chase field branch 's counter to do this. I think this is bad experience with Chase service.
Consumer complaint received 2020-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

{$1600.00} In Collection since XX/XX/XXXX Collection put on my name U don't owe or done business with the apartment complex! Similar name to my name without social security and different date of birth. 
I have called the Collection agency too many times without any luck and I have filed complaint with Fcpb and I asked for the documents has my name or I signed on it! I received a copy and name very similar to my name. 
I was able to rech the Guy and I asked him for a copy of his passport. 
So I'm going to send a copy of the lease with a copy of his passport. 
I'm US Citizen and have Amercian passport and Social security number and no one of those was written on the lease! 
Please compare names spelling and others papers. 
I have send a copy of my driver license and the other Guy passport and visa.
Consumer complaint received 2020-06-23
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. (AL)

There are several accounts reporting incorrectly and there are accounts that are reporting as a result of identity theft. Please correct the following inaccurate status and remove the following fraud accounts : Incorrect Personal Information : Names : XXXX ( TU ) Names : XXXX XXXX XXXX ( XXXX  ) ; the correct is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( XXXX, TU, XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX, TU, XXXX  ) The following status is inaccurate on the following accounts : XXXX - Opened XX/XX/XXXX Balance : {$15000.00} I was never 90 or 120 days late XXXX - Opened XX/XX/XXXX Balance : {$0.00}. I was never 30 days late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Opened XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  ) Bal : {$2800.00} XXXX ( XXXX XXXX ) - XX/XX/XXXX Bal : {$2900.00} ( TU ) XXXX  ( XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX Bal. {$110.00} ( TU ) XXXX - Date Opened : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  ) Bal : {$3500.00} XXXX ( XXXX  ) Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX ) Bal : {$120.00} XXXX - Date Open : XX/XX/XXXX ( TU ) and XX/XX/XXXX ( XXXX  ) Bal : {$260.00} XXXX - Date Open : XX/XX/XXXX ( TU ) XX/XX/XXXX ( XXXX  and XXXX ) Bal : {$810.00} XXXX - Date Open : XX/XX/XXXX ( TU ) XX/XX/XXXX ( XXXX ) Bal : {$160.00} XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) XX/XX/XXXX ( XXXX  ) Bal : {$120.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$100.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$360.00} XXXX  - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  and XXXX ) BAL : {$1200.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$3500.00} XXXX  XXXX - Date Open : XX/XX/XXXX ( TU XXXX & XX/XX/XXXX XXXX Experian XXXX BAL : {$0.00} XXXX BANK - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  & XXXX  ) BAL : {$810.00} XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  and XXXX  ) BAL : {$2300.00} XXXX - Date Open : XX/XX/XXXX ( TU XXXX & XX/XX/XXXX ( XXXX and XXXX  ) BAL : {$1000.00} XXXX - Date Open : XX/XX/XXXX ( TU XXXX & XX/XX/XXXX ( XXXX   and XXXX  ) BAL : {$0.00} XXXX  - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  and XXXX ) BAL : {$1700.00} XXXX  - Date Open : XX/XX/XXXX ( TU ) BAL : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX ( 6 TIMES ) XXXX XXXX XXXX 2 TIMES )
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CT)

On XX/XX/2022 I noticed an unauthorized check draft posted on my checking account for $ XXXX immediately filed a complaint with Citibank but they never seems to care to go through with the investigation I tried to inquire every 2 weeks to see how the case is going but always end up on a dead-end. Now after 5 months they're telling me that the case was denied please help me.
Consumer complaint received 2020-11-02
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. (GA)

Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter 30 from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and XXXX is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to XXXX. XXXX reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as XXXX took over the account XX/XX/XXXX. With interest, XXXX is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, XXXX, Equifax and XXXX. They have all refused to remove this account from my credit reports. They can not be requiring XXXX to prove the {$30000.00} in loan as XXXX can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have XXXX provide copies of loan contracts that I signed both to me and to the credit bureaus. XXXX has not provided me with one lender signed loan contract. I am requesting that you mandate XXXX correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If XXXX can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my XXXX account as a straight principle payment. XXXX, with XXXX stated today ( XX/XX/XXXX ) on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include XXXX.
Consumer complaint received 2020-05-21
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. (FL)

See attatched XXXX Report of XX/XX/XXXX ERRORS INVESTIGATED HAVE NOT BEEN FIXED. see attatched XXXX Letter of XX/XX/XXXX CONFIRMING XXXX mastercard credit card ending XXXX was settled XX/XX/XXXX AS DELIQUENT ACCOUNT. See attatched XXXX mastercard STATEMENT of XX/XX/XXXX ending XXXX OOOPPS HOW DID THIS POP OPEN AT THE SAME TIME XXXX SETTLED AND DELIQUENT ACCOUNT. XXXX WOULD NOT OPEN AN ACCOUNT WHEN DELIQUENT?? WOULD THEY?? I DID NOT OPEN THIS ACCOUNT. See attatched XXXX CREDIT CARD FRAUD CLAIM VISA card ending XXXX date XX/XX/XXXX UNAUTHORIZED TRANSACTIONS {$470.00}. I DID NOT OPEN THIS ACCOUNT EITHER. XXXX DID WHEN MCs became XXXX XXXX. I WAS UNAWARE UNTIL FRAUD NEVER RESOLVED ON ACCOUNTS I DID NOT OPEN BEGINNING XX/XX/XXXX. XXXX HAS NOT YET CREDITED THIS FRAUD OF TWO 1/2 YEARS. I DEMAND MY DRS LICENSE TO OPEN & ORIGINAL SIGNATURE OF WHO OPENED THE ACCOUNTS AFTER CARD XXXX Settled XX/XX/XXXX BE VERIFIED OR ACCOUNTS DELETED.