davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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 (NV)

on XX/XX/2022 I made a {$7.00} purchase on my phone. I was charged {$7.00}, but I was also charged {$32.00}. Capital One sent me a text saying : Hi, its Capital One. Did you just try to make this purchase with your Bass Pro Shops CLUB card ending in XXXX? 
INTERESTING GRIT TABLE DECLINED {$32.00} Text back yes or no to protect your account. 
I TEXTED BACK NO So Capital One Declined the " purchase '' or charge, and so did I. Then Capital One sent me another text saying : Lets take care of this right away. We temporarily stopped youre the use of your card to help keep your account safe. Now lets report any purchases you didnt authorize ( including this one ), and then well send you a new card. FYI, any unauthorized charges will remain on your account until you report them and get a new card. I reported it and we cancelled my card and they sent me another one. I did not make the {$32.00} purchase so it was to be taken off my card. I get my new card and bill and it's still on, I call them. The next month the charge is still on the bill. They tell me it's not fraud, as I received the purchase. Yes, the company sent me XXXX XXXX of lotion which I did not order. I called the Merchant and they would not give me their address to send it back. They said I needed to have a 3-way conversation with them and Capital One. I called Cap. One to arrange that, and the woman said she never heard of that, but would do it. Nothing came of that conversation. It went back into dispute, and is still on the bill. Cap.One sent me a questionnaire to fill out. I did. Every time I call them, they say they need more information, I ask what do you need? They tell me the questionnaire, which I sent them already, to call the merchant, which I did along with the 3-way call, to send them more information. They said the merchant sent the item, so now I have to pay for it... BUT I DIDN'T ORDER IT AND THEY WILL NOT TAKE IT BACK! We keep going in circles, as I've sent them every document and questionnaire they've asked for. I sent them a copy of the texts they sent me. Now it is 4 months later, and the charge is still on the credit card, and they've added fees and interest. I am over XXXX and every time I see their bill or email, or interest and fees, my XXXXXXXX XXXX XXXX XXXX and I lXXXX XXXX XXXX XXXX. My credit rating is XXXX and I told them that they are going to ruin my credit for nothing. I don't know what else to do! Please help! I attached 1 letter they sent me with their case # on it and the merchant name, but do have the other documents which I can not upload at this time.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Letter to Capital One on XX/XX/XXXX : Recently I learned when applying for a new loan that I have a 30 day late notice on my credit from XXXX of XXXX. This was a credit card invoice that was emailed to me over XXXX during a time that I was traveling overseas. When I returned, I immediately paid the bill and have not missed a payment since. Would it be possible to remove the notice after all this time or at least issue a Letter of Deletion? I would be very appreciative. Thank you, They responded on XX/XX/XXXX with a form letter saying " they were unable to change our reporting on a courtesy basis '' The outsized damage to my Credit and my ability to obtain a mortgage at a reasonable rate is completely out of proportion with missing XXXX month of a credit card payment, and would be an appropriate focus of the XXXX in the interest of the many with this kind of issue. Does an entity like Capital One benefit monetarily by maintaining reporting even after the issue is resolved? Surely their economic benefit is no match for my loss.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (CA)

My name is XXXX XXXX with a wise member number : XXXX which my account was deactivated by wise wrongly and Wise has stolen my money Email address associated with the deactivated wise account is XXXX I had Funds into my wise account in different currencies such as British Pounds, XXXX Dollars, XXXX and XXXX XXXX making thousands of dollars. 

I previously submitted an appeal to have my funds sent to an account provided but unfortunately the bank I previously submitted which is XXXXXXXX XXXX  with account number XXXX has been closed I wrote again to Wise on chat with a wise agent XXXX by submitting my current bank details and my identification documents including a selfie holding my ID card which she asked me to which my refunds are to be paid into by Wise. I was told it has been forwarded to Wise relevant teams to send my refund. I asked for a proof that it was forwarded to the relevant teams and I got an official email from Wise agent by name XXXX confirming that my new bank details has been submitted to Wise for a refund and that I would receive my funds within XXXX days but I have not received. 



Here is my new account details which I submitted to wise : Routinng numberXXXX Account number : XXXX Account name : XXXX XXXX I need this funds immediately as wise is accused of stealing people 's fund. I have read thousands of cases on XXXX and XXXX from wise users who are going through same issues All my funds in different currencies should be converted to US dollars and sent to me in my account details I have provided which is Routinng number:XXXX Account number : XXXX Account name : XXXX XXXX
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-06-28
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)

I was practicing my consumer rights and I sent them a money order to disburse the debt and they told me they couldnt expect the payment and they sent it back, then gave me a bunch of late payment reports on my credit witch is now effecting my credit and is stopping from being able to live.
Consumer complaint received 2021-11-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

XXXX XXXX XXXX XXXX ... XXXX have a car in my possession that's listed as a charge off on my credit since XX/XX/2020, they repoed it once and ended up giving it back once they realized that I was under a payment agreement/deferment and it should of never been repossessed however at that time they required me to pay like XXXX to XXXX payments desperate to keep vehicle I paided the large lump sum requested despite that being amount I really owed ar that time and then they stated account would stay as a charge off, since recovery I called the company several times in 2020 and each time the representatives would state they could not find any account for me via name, ss number or anything. Fast forward a year and half later i just received a phone call from them stating car out for repossession ( despite that car requires a transmission currently which I haven't been able to afford yet ) I explained to rep this was ludicrous to get a phone call out of the blue where I haven't got one form of communication since I regained possession of car nor was I given any information for payments or nothing. I stated I called them numerous times yet they stated they haven't received no calls in the colatorol department, They were very rude and stated car being repossessed and demanded I needed to pay around XXXX on a XXXX balance or try to refinance car ( credit score been took a major hit during XXXX and the complications I had trying to recover from a serious episode XXXX of XXXX  XXXX ) I really don't understand their practice or lack of care, like where can I just pull XXXX our of the air, the vehicle been parked due to transmission costing over XXXX and the economy is/was messed up. I just recently got out hospital again with complications to XXXX, suppose to be resting yet I received this call that made me completely stressed out for I was preparing to get back on track and fix vehicle so I can gain employment and financial stability, my credit has took a major hit. Like this has made me sick to my stomach I have wrote XXXX and XXXX  financial services on XXXX before and again they stated could not locate a account for me
Consumer complaint received 2021-11-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

II am a XXXX XXXX veteran ( XXXX and XXXX and XXXX ) I XXXX XXXX XXXX in war, my family and I going through rough times and XXXX hit us too and made things more hard for me and my family to live normal lives, we also have an XXXX son that my wife needs to be with 24/7 she can not work, I was also diagnosed with XXXX and on XXXX and Can not work, we been requesting a forbearance from our mortgage company serviced by Carrington for the last 2 months, we were on a forbearance and it was 3 months only and we asked to extend until we find a solution to find funds to help us pay this unpaid late mortgage to bring us back to normal payment, this servicer is keep denying the forbearance extension and refer out mortgage to XXXX  which is XXXX XXXX XXXX XXXX and there address is XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. they not only trying to foreclose on me but they hyped the up the mortgage balance XXXX what I owe to XXXX this is an outraged number and a big scam by this XXXX XXXX XXXX, please Carrington is making a mistake after a mistake trying to foreclose on me I been submitting the forbearance request over and over on line via the portal like I was instructed and keep denying it and not sending me any proof of why they keep denying the forbearance. Please I need my home, we have no where to live. my family and I have no money or other means or resources to financially support us. please help us please. thank you and god bless.
Consumer complaint received 2022-06-28
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. (FL)

I was practicing my consumer rights and I sent them a money order to disburse the debt and they told me they couldnt expect the payment and they sent it back, then gave me a bunch of late payment reports on my credit witch is now effecting my credit and is stopping from being able to live.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

On or about XXXX XX/XX/2021, I had Social Security enroll me in Direct Express to receive my benefits on this prepaid card service. I was told that on or about XXXX XX/XX/2021, I would receive my card with my benefit deposited on it. 

However, on or about XXXX XX/XX/2021, I received a text message that a new pin was applied to a Direct Express card that I never personally received. I was both anxious and frustrated at this as not only is my address, email, and phone number needed to do this, but also my date of birth and last four Social Security Number. This is too high a security risk and Social Security promises that XXXX XXXX is a safe convenient experience. 

I then was sent another card with a {$13.00} charge that should be waived as the delivery of my card and subsequent theft was not my fault or responsibility. Fortunately, I had Social Security cancel my direct deposit in time. But, Direct Express Card Services refuses to take responsibility for their mistakes and waive the fee and close the card down.
Consumer complaint received 2021-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (AZ)

I received a letter in the mail from Dynamic recovery solutions for a outstanding debt for XXXX credit card. I actually settled in 2015 and I called XXXX directly and spoke with XXXX in collections and he told me I do not have nor owe a outstanding balance. I tried calling Dynamic recovery systems but they just want my information my full social security number not happening you get my name and last XXXX and that's it.
Consumer complaint received 2021-11-27
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: TD BANK US HOLDING COMPANY (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the XXXX XXXX you must remove the accounts listed below.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XX/XX/2020 I reported that credit acceptance reported delinquent payments knowing that the title holder XXXX XXXX XXXX XXXX XXXX XX/XX/2020 and the car was in the process of a total loss claim. I couldnt do anything because I didnt have title account information or anything. Credit acceptance agreed to remove the negative information on my credit report and as of today it remains. All money that was owed after insurance claim was paid to credit acceptance
Consumer complaint received 2022-08-20
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. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERISAVE MORTGAGE CORPORATION (TX)

This is a continuation of complaint # XXXX My credit report and scores has been manipulated either by the credit companies, employees or unknown hacker source. I have filled reports under the above listed complaint numbers with attachments. I am including a new attachment from AmeriSave Mortgage Corporation of my credit score on XX/XX/2021. Please investigate my credit score and XXXX scores at the time. Investigate the key factors that adversely affect my XXXX credit score which AmeriSave stated was : * Derogatory Public Record or Collection Filed * Ratio of Balances to Limit on Bank Revolving or Other Rev Accts too High * Time Since Delinquency is TOO recent or Unknown *TOO many inquiries last 12 months I have attached additional information that was received from AmeriSave after I requested my credit scores that was never given to me until I requested. All of this information is listed on the attached document from AmeriSave.

I have also found a Closing Disclosure form that was cut and pasted by someone at Amerisave. The information in this form was changed from the original and doesn't have my signature. The numbers and the responds to the questions are different.
Consumer complaint received 2021-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

XXXX  XXXX credit card company closed account, charged off then sold it to Portfolio Recovery XXXX, XXXX after account has been closed and discharged. I did not receive any notification about this until after I disputed the items on my credit report. It has been over 8 years and now I am receiving notices in the mail almost every day. These accounts have been discharged and closed. I have disputed these items several times and they get put back on my credit report with a different date. These accounts are over XXXX years old and I want them removed.
Consumer complaint received 2021-11-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have submitted XXXX disputes with XXXX, XXXX Disputes with XXXX, XXXX disputes with Experian regarding a collection account they have let remain on my Credit Report, even though I have asked the companies listed below for a " SIGNED CONTRACT '' by me, Per the F.C.R.AXXXX CREDIT XXXX has had XXXX different occasions to produce such documentation if they had any, I have yet to receive such a contract, which is required to " MEET FCRA STANDARDS ''! I have provided proof of this account being removed/deleted from my XXXX Report XXXX If XXXX could not verify this account per the F.C.R.A, How are XXXX and EXPERIAN doing so? XXXX XXXX XXXX LETTER, XXXX XXXX XXXX - XXXX letters, XXXX - XXXX letters, XXXX - XXXX Letters Experian - XXXX Letters
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (NJ)

Consumer Portfolio Services of XXXX XXXX XXXX. XXXX XXXX, XXXX, C.A. XXXX has been contacted numerous times, starting from XXXX of XXXX until this date, in regards to a closed charged off account. This account is showing a balance of {$10000.00} and it should not be showing a balance sine the account is charged off. There has been numerous account changes since XXXX of XXXX made on this account. Sometimes it reports as still open then it changes back to account closed and charged off.
Consumer complaint received 2022-06-28
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.