davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Upgrade, Inc. (NJ)

On XX/XX/2021 Received a letter stating that I was approved for a loan up to {$20000.00} for Debt Consolidation due to my recent improvement in my credit rating. I applied for {$14000.00}, My total debt! These CO 's will usually respond with a much lower amount with an ever higher interest rate, which is unusable! 
So my complaint is that they turned me down completely. Now, this might be because I stated my income as much lower than I have in the past depending on the site and in which questions they ask about rent/income sources. I thought that this site would ask me if I Rent vs paying my Mortgage, so if they do I go with the lower number and try to state ( if I can ) that I receive XXXX  XXXX which comes to XXXX XXXX/year. The problem always is, is that they ask you for your Income first, then if they do, they'll ask you about rent payments, etc. 
So my real complaint is ( and not just for myself now, but for others as well ) there really just 'Data collection Co 's '' who turn around and sell your personal information. 
Thank You for your Patience and Your Service and please Stay Safe! 
XXXX XXXX
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

1. On XX/XX/2021 I received Bank of America text that I had received {$1000.00} from my son via XXXX. 
2. At the material date, I didn't have my phone # linked to a bank account. Therefore, I never received the money. 
3. I failed a claim with Bank of America on XX/XX/2021 but the claim was declined. I was referred to the sender. 
4. The sender also filed a claim but was declined. He was referred to the recipient. 
5. Bank of American has indicated that there is nothing that can be done to locate the missing {$1000.00}. 

I need help beyond what Bank of American can provide.
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX IN ACCOUNT XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2020-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (MD)

I had a credit card with Barclays Bank, it was opened in XXXX of XXXX. The account has been delinquent since XXXX. I had attempted to call multiple times within the past couple of years in an attempt to settle this account. During the times I was able to get in touch with a representative, I was either told I would be given a call back about a settlement ( which I never did ), or they said that they no longer had my account ( this is what I was told when I called in XXXX of XXXX, which was also not true ). In XXXX of XXXX, I contacted Barclays again in an attempt to reach a settlement, once again, because my boyfriend and I were pre-approved for a mortgage loan, and our lender said that I needed to settle the account in order to be fully approved for the mortgage loan. Barclays agreed that, out of the total that I owed them ( {$2200.00} ), I could settle with them by paying {$990.00}. I was to make three payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I had to send payment in form of a check to an address they gave me. All three payments were sent in, and all three checks were processed by their bank. On XX/XX/XXXX, I noticed that I hadn't received any letter stating that the account was officially settled, nor did I see an update on my credit report. I called Barclays that same day, and a customer service representative told me that they never received my XXXX payment, and so my account is still charged off. I told this representative that this is not accurate, that the check was cashed and endorsed by Barclays. The representative asked if I was okay with him calling my bank ( XXXX XXXX XXXX ) on 3-way so they could confirm that I did, in fact, submit payment. A customer service agent with XXXX  XXXX XXXX confirmed that all three checks were processed, cleared, and endorsed by Barclays Bank. After this was confirmed, the customer service representative was still saying that they could not confirm that I had made this payment. He then transferred me to a supervisor who tried to search for the payment and could not find it. At this point, she said they would open a case in an attempt to locate the payment. She said it would take 25 days to complete this request. Then, when I called back a few weeks later, I was then told it would take 45 days to investigate. I am supposed to have my credit ran again by my lender in XXXX in order to get full approval for my mortgage and to close on my home. I can not understand how all of the checks cleared on my end, and were endorsed and made payable to Barclays Bank, and they received my first two payments, but somehow did not receive the third payment. I have also sent them copies of the checks that were mailed to them, including their endorsement on the back side of each check.
Consumer complaint received 2020-05-03
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, while traveling oversea in XXXX, I got pickpocketed and lost my Chase Sapphire Reserve card. {$2600.00} was immediately spend on my account and luckily I discovered the fraud and reported the card was stolen the same night. Without any question from Chases dispute department, the amount {$2600.00} was removed from the statement and I was sent a new card. 

Fast forward to XX/XX/2020, I saw the previous disputed fraud charge {$2600.00} reappeared on my account without any notifications ( ie. mail, email, phone call ). I logged onto the Chase site and tried to dispute it on the site but it says I have to call XXXX to complete the dispute. 

I called the number and Chases dispute service responded this dispute is not within their responsibility, I need to reach XXXX. The fraud recovery department no longer accepts phone call and email is the only way during this time. So far I have emailed XXXX twice and still no response from them. On top of that, I have called Chases credit card customer service and dispute department on average once a day, total 4 times. They all told me the same response. Theres nothing they can do without fraud recovery department but the fraud recovery department has not responded to me at all. 

Im very frustrated on this how Chase Sapphire Reserve treats their customer. No alert and no notification to just put the fraud charge back on the bank statement. At the same time, Chase 's fraud recovery department makes it impossible to reach for help. 

Im willing to do anything to help Chase fraud recovery department to work on disputing this charge but they are making it impossible to reach and to get help from.
Consumer complaint received 2021-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Va cars in XXXX Va pulled my credit report through capital one without my permission. I went to their establishment XXXX when they mailed me and kept calling me about being pre approved by capital one for an auto loan. I went there and literally only gave my name stepped out on the lot did not like what I saw and said thanks and left. About 2 hours or so later They called i did not answer they left a voicemail then I got a notification that there was an inquiry on my credit by capital one auto finance. I never authorized this. Never told them I was going to get a car. Never picked one never looked at one other than across the lot.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One just turns my credit card off at will. No outstanding balance or reported lost or stolen card by me ( card owner ). 

Capital One can provide no answer as to why card is turned off. We need to verify you made purchase. Happens all the time. Ending up having to call Capital One cust service phone number. Spend several hours trying to get an answer as to my card was declined when attempted to use. No outstanding balance. Pay the balance several times a month to ensure XXXX  balance. 
Can not depend on card working when I go to use it.
Consumer complaint received 2020-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation (CA)

Applied for a refinance mortgage loan at owning corporation. I was told my home value to loan ratio did not meet their requirements, A month later I received a letter ( statement of credit denial ) stating my loan application was closed due to a lack of response from me, which is not what happened.
Consumer complaint received 2022-04-22
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. (MI)

EXPERIAN is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Consumer complaint received 2020-05-03
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. (MN)

The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on  September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] Type of Business Date of inquiry XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Travel/Entertainment   XX/XX/XXXX XXXX XXXX XXXX XXXX Equipment Rentals/Leasing XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX  XXXX XXXX Truck Dealers XX/XX/XXXX Experian XXXX Leasing and Rental Reseller XX/XX/XXXX Experian XXXX Miscellaneous XX/XX/XXXX XXXX XXXX XXXX XXXX Truck Dealers XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  Credit Report Brokers   XX/XX/XXXX Experian XXXX XXXX XXXX Truck Dealers   XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Miscellaneous XX/XX/XXXX XXXX   XXXX XXXX  XXXX Tenant Screeners XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-12-05
Product: Credit 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: U.S. BANCORP (MN)

I am writing to formally address an issue regarding my line of credit account with U.S. Bank, which I opened in XX/XX/XXXX with a credit limit of {$300.00}. I have discovered that U.S. Bank charged me {$120.00} in late fees within the first year, which I believe violates federal and state laws, including the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) and Minnesota Statutes Section 334.16. 

Additionally, I never received billing statements for this account because the address on file was incorrect. I only became aware of this issue after receiving a response from U.S. Bank through the Consumer Financial Protection Bureau ( CFPB ), which included correspondence sent to an incorrect address. 

This issue has caused significant harm to me, as I was recently denied a mortgage due to the negative credit reporting associated with this account. I have already attempted to resolve this matter through the CFPB, but I have not received a satisfactory response from U.S. Bank. 

My Requests To resolve this matter, I am requesting the following : Immediate removal of the negative credit report related to this account. 
Reimbursement of the {$120.00} in late fees that were improperly charged. 
Compensation of {$3000.00} for violations of the Fair Credit Reporting Act ( FCRA ) and the harm caused to my creditworthiness. 
If I do not receive a satisfactory response by XX/XX/XXXX, I will have no choice but to initiate arbitration proceedings as outlined in the terms of my account agreement. 

Legal Basis for My Claim Under the CARD Act, total fees in the first year of an account can not exceed 25 % of the credit limit. For my {$300.00} line of credit, this means total fees should not have exceeded {$75.00}, yet I was charged {$120.00} in late fees. 
U.S. Bank failed to send billing statements to my correct address, which violates federal requirements for accurate and timely billing. 
The negative credit reporting caused by this issue has directly harmed my ability to secure a mortgage, in violation of the FCRA. 
I trust that U.S. Bank will take this matter seriously and work to resolve it promptly. Please provide a written response to this email by XX/XX/XXXX, confirming the actions U.S. Bank will take to address my concerns. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

While at work, on XX/XX/XXXX I receivedseveral alertsof fraud / suspiciousactivity regarding transactionsto my Bank Of America checking account. After looking at all these notifications I found all these charge attempts being made by someoneusing my debit card! Almost $ XXXX in attempts and one of which has been postedby some resort. I immediatelycontacted Bank of America andhad locked the card as missing/stolen, and noted the visible unauthorized transactions. Searching everywhere, I could-not find my pouch with my BoA debit card, driver 's license, credit cards, cash and car keys! I do not know how or where and stumbled as to where it happened! Someone apparentlygot to it and was not a good person, instead they decided to rack up all these changes. I have called Bank of America on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requestingan update on the fraud claim ( Claim ID # XXXX ) and how they're going to get mymoney back. I indicated to them that my mortgage payment is going to be drafted on XX/XX/XXXX due to the XXXX holiday and was told the matter would be escalated for resolutionand I should receive a response/resolution within 24-48 hours. Following no response, on XX/XX/XXXX I called again and was told no one escalatedthe matter and that it would be and I should see a response or resolution within 24 - 48 hours. Looking over my account, no one has made a resolution and now seeing one of theunauthorized transaction attempts, {$3900.00} was posted. This has nearly wiped out my account and no credits were applied from Bank of America to this regard. I am so afraid that our upcoming mortgage and bills won't be paid in time. Disappointingly I believe I'm going to be given the run aroundandfear that the bank may not fulfill its zero-liability guarantee. Where is the protection?
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX offered me a no credit check offer that " would not effect my credit score and no inquiries. As I was neither looking for a card and definitly did not a hard inquiry for any reason I accepts the offer to see if I was pre qualified after I applied I received a hard inquiry. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX to resolve the matter and have the inquiry removed. discover rep acknowledged that the offer I responded to would not have had a hard inquiry and that the application I filled out was the correct one. However refused to remove the inquiry as they stated that despite all the evidence once they run a report they will not remove the inquiry. It has severly damaged my fico score.
Consumer complaint received 2022-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NC)

The debt collector CONVERGENT OUTSOURCING opened a collection account in XXXXXXXX XXXX XXXX XXXXXXXX, this account was closed in XX/XX/XXXX due to XXXX mobile processing and charging fraudulent fees for the second time ( the first time was on for over {$600.00} which were withdrawn from my bank account ). XXXX XXXX continued to issue statements which I was never sent until XXXXXXXX XXXX XXXXXXXX with various and inconsistent charges. Even at this time when I try to access the statements an error occurs on the website. There was no usage of the account/lines during that time, I do see some phone calls and messages that I suspect were place by XXXX XXXX themselves as the phones were turned off when the account was closed. Credits were due which were supposed to finish paying for the equipments but none of this happened. 
The debt collection agency never contacted me, I was made aware of this collection upon reviewing my credit report. 

I live in North Carolina, and under General Statutes 58-70-115 ( 4 ). Unfair practices.

The debt collection agency was issuing false threats and claims as the statute of limitations had expired and they were not allowed to sue, under this same statute any attempt to collect this debt was barred due to the statute of limitations.
Consumer complaint received 2020-05-03
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. (MN)

The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] Type of Business Date of inquiry Credit Bureau XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Travel/Entertainment   XX/XX/XXXX TransUnion  XXXX XXXX XXXX Equipment Rentals/Leasing  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX Truck Dealers XX/XX/XXXX XXXX   XXXX Leasing and Rental Reseller XX/XX/XXXX XXXX   XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Truck Dealers XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  Auto Financing XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Credit Report Brokers   XX/XX/XXXX XXXX  XXXX XXXX XXXX Truck Dealers   XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Tenant Screeners XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX TransUnion
Consumer complaint received 2020-05-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (NC)

On XX/XX/2020 I received notification from XXXX my credit report changed. I checked and there was a collection account for Midwest recovery systems llc. I reached out to both midwest recovery systems and they did not have a valid mailing address on file and they never sent notification 30 days prior before this was placed on my credit report. I reached out to XXXX XXXX loans the original creditor and they do not have an account for me in their systems. The represenative from Midwest Recovery systems refused to provide me a mailing address or any information about the debt and refused to send out any paper notifications.