davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
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 (FL)

I made a purchase for services online that were misrepresented by XXXX XXXX ( cooking methods to improve health ). The company misrepresented what the program was and I could not use due to health constraints. I first reached out to the company to cancel in XX/XX/2020 as soon as I realized I could not use the services due to health constraints. XXXX  XXXX refused to cancel and refund. 

I reached out to Capital One to block merchant or Cancel the card due to recurring charges I did not authorize. I was told to contact XXXX XXXX   again and report their response prior to Capital One taking actions to assist me. I did so without resolve. I called Capital One to cancel my card and was told to just change the card number by closing the existing card and allowing them to send a new card and number. They assured me that XXXX XXXX could not chg the account again or commit fraud since it was a new number. I was not happy at losing the initial {$87.00} but accepted Capital One 's promise that XXXX  XXXX  could not chg the card because it was closed. XXXX  XXXX  placed a four month hold on the subscription then submitted the {$87.00} chg again without authorization. I called Capital One and was told not to worry, it is pending and won't go thru due to my actions in XXXX. I was told if it did go thru, it was fraud and they would get my money back and prosecute. The charge went thru and now Capital One has changed their story again and says XXXX XXXX  is the only one who can stop the charge and I need to try them again. I inquired about Capital One 's position changing and why they had not done as I requested in XXXX and closed my card to prevent further charges from happening. They apologized for misinformation in XXXX but not to worry, they are issuing a temporary credit I can not use to allow XXXX  XXXX   90 days to stop charging the card. There are still two more opportunities for them to take {$87.00} against the card during the 90 days. None of these charges are authorized. I've followed all protocols to resolve this dispute. I've paid my entire bill monthly to build credit. I had to close my card today because of both XXXX XXXX and Capital One 's fraudulent practices. I need help resolving these issues and finding a reputable card that gives me recourse against unethical companies and business tactics. 

Please help Thank you XXXX XXXX
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (MS)

i recently viewed my credit report and noticed an account that was not reporting accurately.i have one late payment on account that i indeed did pay on time.the consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments i've attached a copy of my report to this complaint on the following date ( XXXX XXXX ) i'm now requesting you to investigate this account an update these payments to paid on-time immediately.Thank you for understanding and prompt action.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Someone used my bank of america credit card on XX/XX/year> for total {$30000.00} and i didn't know i had a balance until i noticed i started getting debt calls, i called bank of america to report fraud and they wanted me to file identity theft report which i did and sent it but they denied my claim saying i was paying minimum payments. I made those so it didn't affect my credit score while reaching to merchant who used my card the merchant tiktok didn't provide no info..why should i be liable for charge i didn't make or got anything delivered to my house. bank of america didn't do any investigation just outright denied my claim this is ridiculous
Consumer complaint received 2023-04-07
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (CA)

I leased a new XXXX Kia XXXX on XX/XX/XXXX and have made all payments on time. On XX/XX/XXXX I was hit while driving on the freeway in a 3 car accident that resulted in my car being totaled by my insurance company. At the time of my accident I was not in default of my lease. 
Since the Car was totaled, Kia Financal infomed me that at owner of the vehicle, they were entitled to XXXX percent of the insurance proceeds. The amount the insurance company offered, the XXXX of the vehicle, was determined to be {$43000.00}. However, the early termination payoff amount from the Kia Finance website on that date was {$35000.00} giving KIA {$8100.00} gain from the excess depreciation I had paid during the course of my lease. In addition the payoff included an additional {$3300.00} in sales tax. 
On XXXX XXXX I exercised my option in the lease agreement ( paragraph XXXX ) to purchase the vehicle before maturity, making me now the owner of the vehicle. I sent payment of {$39000.00} to Kia Finance via their web portal. This purchase option ( before XXXX ) was unrestricted and only conditioned upon me not being in default. 
Kia refused to send me the title to the car claiming my contractual right to early payoff of the lease was not applicable when the car was totaled, even though no such language exists in the lease document. 
In addition, since the car was totaled, I informed KIA that sales tax on the transaction was not applicable and asked for a full refund of the {$3300.00} that was included in the pay off number. Note that in the settlement offer with my insurance company KIA did not charge sales tax because this was viewed as a financial transaction for insurance purposes, not a resale of a car since the car is now a salvage vehicle. 
On XX/XX/XXXX received a check from KIA in the amount of {$25000.00} XXXX XXXX months after I Paid {$39000.00} to KIA or {$14000.00} less than what was determined to the the pay off amount on XXXX XXXX, XXXX the check was labeled Lease Refund?
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023 while at work I received a phone call from Chase Fraud Services about an unauthorized use of my credit card. I said the transaction was not authorized. While on the phone with the Chase Fraud Services I received emails that my debit card was being used to make unauthorized purchase totaling {$9400.00}. While still on the phone with Chase Fraud Services {$10000.00} was transferred apparently by telephone form my business account to my personal checking account. This was used to pay for the debit card purchases that originated overseas. I told the Fraud Service representative that none of these transactions were authorized. I said this several times. This was happening in real time. The next day I went to my local branch to obtain new credit, debit, business checking and personal checking accounts. While there I told the Chase representative that the debit charges were still listed as pending and they were not authorized. Needless to say the debit charges went through. Chase has determined that I authorized all these transactions which is not true and wants me to repay {$8400.00} in overdrafts and be responsible for the {$1000.00} Chase took out of my account. I want the {$1000.00} returned to my account and for Chase to be responsible for the overdrafts as I did not authorize these transactions. Attached is a Certification and documents that support my claim against Chase..
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC (VA)

My mortgage is serviced by Fay Servicing, last year due to the pandemic i applied and got approved for forbearance. Even thou in forbearance, Fay Servicing reported all payments as late to all credit bureaus also even thou there was a moratorium on foreclosures Fay Servicing placed my property into foreclosure. 
After being enrolled in forbearance for about six months I paid Fay Servicing everything that I owned them as well as the foreclosure fees. After ending the forbearance I asked them to remove any late payments reported to credit bureaus while I was in forbearance, they refused to do so. 
Fay Servicing is not following the CARES act Mortgage Loan Foreberance nor the Foreclosure Moratorium. 
Fay Servicing acts very reckless and extremely rude. 
Their practice do not follow the law, rules and regulations. Fay Servicing refuse to remove any late payments from credit bureaus so they could keep myself locked into their higher mortgage rate at 5 % for 40 years mortgage. 
Many of their customers are in a similar situation. 
The XXXX XXXX XXXX has published an article about Fay Servicing reckless behavior in XX/XX/2020, there was no response from Fay Servicing nor any investigation into their practice. 
As of today Fay Servicing has been receiving great financial support from government thru PPP Loans and TARP Bailout Program, so at least they should follow the law and regulations.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-27
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. (NJ)

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 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (MA)

Hi, I had three different banks contact me. 
Wells Fargo - XX/XX/year>. 
XXXX XXXX  - XX/XX/year>. 
XXXX XXXX  - XX/XX/year>. 

All were denied by the banks. 

They all had hard hits on my credit report and it appears someone is trying to open credit cards/checking accounts in my name. I did not apply to any of these.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX I deposited a mobile check I received via email for {$3500.00} as a payment. Within 20 minutes of submitting the deposit, the sender began to give threats to my life if I did not send back to the money within the next 10 minutes. I returned the money using XXXX through my Wells Fargo banking app to the email they directed me to send to, as I did not want to chance these threats to be true. Wells Fargo had placed these funds into my available balance so I believed the funds to have gone through and that the check had cleared. This was not the case, and on XX/XX/XXXX I received an email from Wells Fargo stating they were taking the already returned {$3500.00} out of my account due to forgery because the check they sent me bounced and was fraudulent. I submitted a claim to Wells Fargo on XX/XX/XXXX as soon as this happened, and it is XX/XX/XXXX and I am still waiting to hear anything from them on the status of this claim. I have tried to call 10+ times and get passed around until closing time, where they then direct me to call in the morning. I have filed a police report with XXXX XXXX police department ( case number XXXX ), and still am not getting a resolution nor has my stolen {$3500.00} been returned to me. I have now lost an additional {$720.00} because of Wells Fargos lack of care to address this claim, as my rent got returned even though the funds were available at the time i paid the rent, but because they processed the payment after I had to put a hold on my account, the money got returned to the negative balance and I have been unable to pay my rent and am incurring late fees because they will not actively tend to our claim and return the stolen funds.
Consumer complaint received 2022-06-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I pulled my Equifax credit report on XX/XX/XXXX and noticed that I had a repossession showing for XXXX XXXX XXXX account. This repossession date was shown as XXXX had 120 day late payments showing for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report XX/XX/XXXX and noticed the repossession was gone. XX/XX/XXXX was now showing as 30 day late payment. XX/XX/XXXX was now a 30 day late payment, XX/XX/XXXX was now a 60 day late payment and XX/XX/XXXX was showing as a 120 late day payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I pulled my credit report again on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I was sent a copy of my report as well on XX/XX/XXXX and noticed my payment history had changed again. It now showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. On XX/XX/XXXX, my report showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. I pulled my most recent report on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. 

Someone keeps changing my payment history from Equifax without my permission. I have been keeping a very detailed record and the payment history is definitely not accurate nor does it match any other credit bureau, 3rd party reporting agency or the creditor records themselves.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (CA)

{$11000.00} Simple merged/sold to BBVA on XX/XX/XXXX. Accounts were to be transferred " seamlessly ''. 
Background : With Simple, I utilized the easy app-based toggle-on-and-off " block '' feature on my debit card, unblocking it to use it and then immediately putting the block back on. Once BBVA took over the account, I was not able to use my debit card, which is the only way to access my money. I called BBVA on approximately XX/XX/XXXX. After waiting 1 hour and 15 minutes to have my call answered, and after much continued holding, I was told that because the debit card block was in place during the merge, that the card can not be validated until I [ go back in time to XXXX and ] fax a letter requesting the card to be activated, and include my ID front and back, account number, address, phone number, and the request. On Saturday, XX/XX/XXXX I faxed said request to the provided number and received confirmation that the fax was successfully sent. The same day, I got an email from a BBVA employee in a different part of the company letting me know that the number I faxed to was correct, but there is an error in the system that is sending the faxes to him ; he had notified IT and forwarded all incoming faxes to their BBVA IT department. No change to my account access, so on Tuesday XX/XX/XXXX, I again faxed the request along with a copy of his email. A reply from the same guy!!! Nothing he can do, forwarding to IT, keep trying. 
In the meantime, all of my automatic-pay bills are going unpaid and I have had to borrow cash to pay for gas and food! 
After additional drama navigating BBVAs broken website for transferring funds, involving having to guess at partially obscured fields on the screen and calling my new credit union for assistance with the account number field ( my credit union account has 14 digits but BBVA only allows 13 digits ), I find that it costs me {$15.00} to do an immediate wire transfer with a daily limit of {$5000.00} and a monthly limit of {$7500.00}!! So to get my {$11000.00} I have to PAY {$45.00} and wait more than 30 days. 
I am disgusted with their way of doing business, which seems intentionally set up to hang on as long as possible to my money without providing me information, solutions, or a way out.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX for additional verification.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

RE : Equifax Dispute Confirmation # XXXX I've submitted at least 6 disputes to correct my CURRENT residential address. I've also submitted PROOF of my current address : recent copies of my past 2 lease agreements + a current utility bill which shows how l 've been at my current address. However, Equifax is ignoring my evidence and not updating my address on my credit report. Furthermore, Equifax suddenly changed the address after reflecting my correct, current residential address for almost 18 months. I then tried to call to ask them to update it and actually REVIEW the evidence submitted, yet they ignored it. I asked them why they suddenly changed it to my old address, but they couldn't provide me an explanation. The process they have in place to dispute my personal information, in this case my residential address, is faulty because they do not review the documentation submitted as proof. They can not even tell me why they changed it back to my prior address to begin with. I am therefore filing this complaint because their whole online dispute process is fraudulent.