davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (IN)

I had two accounts with XXXX. I closed my ohio account XXXX. This left only my Indiana account XXXX. I received communication from XXXX that I had a credit of {$130.00} on my Ohio account. I called and spoke to a representative and asked for the money to be transferred to the Indiana account. The representative stated the money could be transferred. I then received a prepaid credit card in the amount of {$130.00}. I am going to assume the money could not be transferred to the account in Indiana. The Indiana account is paid current, and the Ohio account was never delinquent or missing a payment. At the later part of XXXX, I received a call from XXXX XXXX XXXX stating they were trying to collect a debt. I asked for who and they said they did not know the company they were collecting for or any information on that company. I asked to speak to a manager and was sent to a voicemail. No return call. Within a week I received another call from them stating they were collecting for XXXX. I told them I had no delinquencies with XXXX and asked for XXXX tel # to contact. They stated they could not help me with that. I then contacted XXXX and spoke to 2 different people. One was a rep and the other was a collection manager. Both stated that they would take care of the situation and not to worry about the account as they seen where their error was. I did not hear anything from XXXX or XXXX again. At this point, I had not received any communication on that particular account stating it was past due. So when they stated that the account was taken care of, I did not think about it till yesterday XX/XX/XXXX. I received a call from a XXXX XXXX that stated he was calling from Credence Financial Recovery regarding the delinquent XXXX account. He said it was delinquent and would be reported to my credit bureau at any time. He continued to ask how I was going to pay my debt. I advised I had not received any communcation in regards to this account and that I do not owe the debt. He again stated how was I going to pay. I told him again that I have never received any communication and I need to see something in writing. He stated the letter will say the exact same information. I told him so be it, but i wanted something in writing. I am still waiting for the letter but they did state it would take 2-3 days to receive. My complaint is that I do not owe this debt. XXXX told me twice it was taken care of and did not send any communication to this account, XXXX stating they did not take care of it, nor they were sending it to collections. My confusion is they communicated an overpayment, sent a pre paid credit card and then sent me to collections with no communication nor correspondence. I received nothing from XXXX, XXXX XXXX nor Credence Financial.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

When i pull up my score and pay the XXXX dollars they are not showing the correct score. they are not updating. and its been months. They also stated if you paid off past due debt you will receive XXXX points if you settled. XXXX points if it was taking off your credit and XXXX points if it were paid off in full. They are lying and that hasn't happened. Its fraud and i am fed up. i paid off all my accounts and my score is sill low. its misleading
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MI)

Scammers got a hold of my account they took most of my social security benefit in XXXX of 2021 I contacted the Direct Express Debit Card Company it takes an hour and a half to reach somebody I've attempted to reach them on multiple occasions having to wait an hour and a half each time on several occasions I was hung up on after waiting an hour and a half. I told them someone had fraudulently taking my money out of my account. They told me that they were going to send me a a fraud form and that I had to return it within 10 days. I actually got the Form on the XXXX day. I had to rush out and complete the form and fax it back to them. After doing all that and telling them the information that they requested they denied my claim, saying that I authorized someone to use my card. There's no way that a social security recipient would use XXXX XXXX in the amount of {$1300.00}. They were rude not caring and I find that they have XXXX XXXX  XXXX XXXX  reports about their business ethics. They need to be reviewed because most of the clients are social security recipients and we need our money and there's no way we're going to spend that amount of money on whatever XXXX XXXX is. 
It's not fair and if there's so many complaints against them somebody needs to look into this. They are scammed like the people that took my money. They ate fica insured, and they are responsible for thoroughly investigating matters of this type. I asked for them to provide documentation and they hung up on me. I am mailing you my documentation. PLEASE LOOK AT ALL OF THE COMPLAINTS. Social makes us sign up for Direct express, it's not fair that they scam us and nothing is done about it. Kinda of makes you feel that they are in on the scam.
Consumer complaint received 2020-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiries : 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 EQUIFAX MORTGAGE SOLUT 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 2022-08-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2022-08-21
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. (AL)

XX/XX/XXXXXXXXXX/XX/XXXXAccount number XXXX XX/XX/XXXXXXXXXX/XX/XXXXAccount number XXXX XXXX Account number XXXX XX/XX/XXXX account number XXXXXX/XX/XXXXXX/XX/XXXX Account numberXXXXXX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XXXXXX/XX/XXXXXXXX Account XXXX XXXXXX/XX/XXXXt Account number XXXXXX/XX/XXXX Account number XXXX n accordance with the Fair Credit reporting act XX/XX/XXXXAccount listed above has violated my rights 15 U.S.C 1681 under 602 A States I have a the right to Privacy 15 U.S.C 1681 Section 2 :. It Also states that the consumer reporting agency canal furnace an account without my written instructions.
Consumer complaint received 2022-08-21
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate

d 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 a account without my written instructions 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by inlcuding transactions and experiences by inlcudling late payment and utlization.
Because of the violation i would like the following accounts in violation of the
Consumer complaint received 2020-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

In XXXX I was a victim of Fraud. My mortgage payment comes out automatically from this account. I called the mortgage company Newrez and they assured me the payment had already been made and would not accept pmt. The money did not come out of the account. By XX/XX/XXXX the money still did not come out. I called again and attempted to pay the pmt. they said again they were paid and gave me ref numbers. I finally got it straightened out. But they would not update my account correctly with the new draft number. Now they charged me a fee and will not reverse it. I have provided the the new draft number 3 times! They are at fault also for continuing to insist it was paid and not accepting my payment. I bet they make a ton of money from fraudulent fees. Plus all 5 times I called, it took over an hour.
Consumer complaint received 2021-12-17
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc (GA)

I have contacted Affirm many many times and each time they state the problem will be taken care of. I have been using them for years and never had any problems. I had placed and removed a fraud/freeze alert on my account and even received the notifications from the bureaus of it being removed, yet anytime I attempt to purchase anything through Affirm it denies me stating I have a freeze on my account. I like using them to avoid credit cards, and it is really terrible the customer service can not correct the problem, and no one responds via online even though it is always confirmed they have fixed the problem.
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I paid off my Capital One auto loan for my XXXX XXXX XXXX XXXX in XXXX of XXXX and never received the title. 

Capital One advised me it could take up to 21 days to receive the title. I gave them WELL over that amount of time to release the lien and provide me with the title. 

I reached out to their customer service in XXXX of XXXX, and was told that Capital One sent electronic notice to the VA DMV to release the lien, but the VA DMV replied saying that the title number did not exist. Apparently no one at Capital One bothered to follow up on that reply, or even notify me about it. I then went back and forth with their off-shore contracted customer service well into XXXX of XXXX, receiving no resolution or information. 

Capital One then eventually sent me a notarized PAPER lien release letter out of the state of Texas. The major issue with that? Capital One participates in the ELECTRONIC Lien program, requiring them to electronically correspond lien information with the DMV, which means that the paper lien release letter they mailed to me is completely useless. The VA DMV also rejected the lien release letter when I tried to submit it to obtain a title. 

According to Virginia Code 46.2-643 : It shall constitute a Class 3 misdemeanor for a secured party who holds a certificate of title as provided in this title to refuse or fail to mark satisfied and surrender it to the person legally entitled thereto within ten days after his security interest is satisfied. 

In conclusion, not only is Capital One failing to abide to the process of a state-mandated program that they are required to participate in, they are also blatantly in violation of Virginia Code .
Consumer complaint received 2022-10-23
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: EQUIFAX, INC. (NM)

My right Are been violated in many ways AND THIS IS ONE OF THEM. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGTH TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN INSTRUTIONS.
Consumer complaint received 2021-02-27
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. (MA)

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
Consumer complaint received 2023-01-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

MY FCRA RIGHTS HAVE BEEN VIOLATED. 
These creditors below and the credit reporting agencies are in violations of not accurately reporting a dispute status or an actual update of dispute to my reports for the 2 times I disputed on XX/XX/2022 and XX/XX/XXXX XXXX the proof of disputed certified receipts are also attached. 
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 According to XXXX XXXX XXXX Experian, XXXX & XXXX XXXX XXXX XXXX free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph file ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (CA)

My identity got compromise and these accounts were added to my credit report. 

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 2022-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (CA)

Blockfi.com has locked my crypto currency amounting to {$4900.00} on their platform that they had guaranteed was safe. They are withholding my life savings because they had illegally used my funds for failed investments. I have emailed called and complained and have not heard any response.
Consumer complaint received 2022-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

Sent a wire transfer to hold a vacation rental in XXXX XXXX Florida to Wells Fargo which turned out to be fraudent date sent from my bank XXXX XXXX XXXX Pa was on XX/XX/XXXX2022 for XXXX dollars.I have conacted my bank and are trying to talk to wells fargo with no luck.I have also tried to contact the bank with no responce.I have a Name Routing number Account number Debit Authorized acc number Fed Routing number Account Number. It was for a condo in XXXX XXXX XXXX listed on XXXX web site be aware this is not the first time this has happened
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (PA)

On the date of Tuesday XX/XX/2022, I made a purchase on my Capital One credit card and booked a Hotel stay at the XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX, CA.The initial booking was scheduled for checkin on XXXX XXXX XXXX check out, however I left the same day I checked in. For instance, once my wife and I arrived and checked into hotel suite I noticed a numerous amount of health hazards in the room such as an odious stench from fungus growing out of AC vents, stains on the carpet and bedding sheets, hair and feces in sink and shower form previous guest. Once I noticed all of these things I made a complaint to the front desk associate and requested to be switched to another room. Once we moved to the next room we noticed the same conditions if. not worse in the very next room that we were placed in. Furthermore, these types of hazardous conditions caused my wife to have an allergic reaction to the air the she was breathing due to her XXXX XXXXXXXX. Next, we left the room to get some air and went to the pool area and noticed that the hot tub area had XXXX floating. Then we packed up our things and checked out that same day. Before leaving we requested a receipt from the front the manager on duty, but were rejected since the booking was done through XXXX. Then he said he would notify XXXX XXXX of a refund that was due and I would notify my credit card company of the cancellation of the transaction. Since then I have been disputing this charge because I was charged for staying at a hotel that I checked out of the same day I checked in. I submitted pictures of all of the unhealthy and hazardous living conditions of each room I was placed in which justified my same day departure from this establishment. Since then I have not been refunded my booking for the check in at the XXXX XXXX
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

Received previous emails and now I have received a letter from Transworld systems Inc. saying that I owe {$80.00} to XXXX  They have no record of the reference account number. I spoke to four different XXXX and finally consumer relations team told me that this is a scam and many people are getting these letters to just disregard it. 
Scam.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/22 Chase bank allowed three unauthorized overseas wire transfers totaling {$1000.00}. They had to investigate that I did not steal my own money. They have determined that I in fact did not steal the money but they are not returning it to me. My son was also hit with wire fraud on the same day. His money was returned on XXXX/XXXX/22. I can get zero help from Chase when I call.