davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
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 (VA)

I contacted Capital One Auto finance on XXXX XXXX XXXX at XXXX to request an extension for my XX/XX/XXXX payment. XXXX advised i wasn't eligible for an extension, however, stated there were other options available that would prevent any negative credit reporting/ 30 day late notices. XXXX of the options she gave, was to schedule my payment to be debited from my account on XXXX XXXX, XXXX. I specifically asked her if she did this, would it prevent my account as showing 30 days past due for XXXX, and she advised YES, it would stop 30 day late notice to credit agencies. I agreed to have payment scheduled on XX/XX/XXXX, due to the false information given to me by the capital one representative. I have never been late on the auto loan since the account was opened in 2020. I'm in the process of buying a home, and this error caused by the capital one agent has impacted my credit score negatively. Had i known that the account was going to be reported as late, i would have made arrangements to pay prior to XXXX XXXX. Please resolve this error by removing 30 day late notice on all credit reports. This error was caused by misinformation given by a capital one representative.
Consumer complaint received 2023-04-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

In 2020 I was scammed by a car dealer in XXXX, GA. I purchased a used XXXX  for {$3000.00}. The car broke down an hour later and was returned to the dealer for repairs. After a few days, they stopped taking my calls. I filed a police report and provided the VIN number. The police informed me that the car had been resold. I immediately reached out to Bank of America to figure out how I could recover my funds. The funds were sent via XXXX. I had the person 's name, phone number, and their banking institution. I also provided Bank of America will my police report number. I spent weeks going back and forth with Bank of America and they were extremely unhelpful and at times just down right rude. Every time they requested that I provide certain information, I would and they still would pretend as if it's nothing they can do. They are partnered with XXXX and offering it as a service but fraud is not taken into account. As of today, Bank of America, who I have banked with for over 20 years allowed a shady car dealer to defraud me of {$3000.00}.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (NY)

XX/XX/XXXX I called Barclays Bank Delaware to set up auto-payment and it didnt go through so I called again in XX/XX/XXXX and got sent to a higher manager ( XXXX ) who went through it and set it up with me and I am just receiving information now that they havent been getting the auto-payment from XXXX till now in XXXX of XXXX. So now they charged me ridiculously raised balance for their negligence. I have no problem paying it outright, but I dont accept their surcharges for their mistakes. Whenever I tried to email, call, or use the mobile app it just hung up, no response, or told me to call them in which they never answered six times.
Consumer complaint received 2023-09-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (PA)

I purchased a shelving unit for a total cost of {$190.00} on XX/XX/XXXXXXXX   the next statement I paid {$60.00} which was posted on XX/XX/XXXX. The next statement I paid it off which consisted of the balance for {$130.00} plus interest of {$2.00} totaling {$130.00} which was paid on XX/XX/XXXX. On XX/XX/XXXXXXXX  I receive a statement in the mail for a late charge for {$30.00}, I immediately pay it thinking was I late back then? I than check my statement & realized I paid that off on XX/XX/XXXX. Per my statement an interest charge of {$2.00} was added on XX/XX/XXXXXXXX  after the loan was paid off. They continued to charge me monthly for interest & late fees which is how that {$30.00} was accumulated. I called & after several attempts I finally got customer service. I immediately requested my account to be closed & I was told they would send me a refund for the overpayment of {$30.00}. A week or so later I received a check for only {$8.00}!!! I did not bother calling them for the {$22.00} they still owed me as my account is now closed so I wrote it off as a loss. Its now XXXX & suddenly I now owe them {$62.00}!!!! I believe that when they only refunded me the {$8.00} dollars they kept the {$22.00} as a balance owed on my account which allowed them to accrue charges on my account that I am no way responsible for. This is XXXX XXXXXXXX.
Consumer complaint received 2023-04-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Alleged debt purchaser Portfolio Recovery Associates , LLC still has not responded to my repeated requests for certified copies of the documents that prove PRA received an actual, legally enforceable and valid assignment of rights to establish ownership of my account from original creditor XXXXXXXX XXXX XXXXXXXX XXXX for account ending in XXXX, that meets the requirements under Ohio law. Specifically, I requested multiple times a certified copy of the Bill of Sale, Assignment of Rights for account ending XXXX and documents reflecting that PRA paid actual consideration for my account to the original creditor to consummate the sale. As I have never heard of PRA and have never had any dealings with them, I maintain I do not owe them anything. Until I receive certified copies of the documents referenced above, under Ohio law I believe the original creditor XXXXXXXX XXXX  remains the legal owner of my account. To date, PRA has only sent me unauthenticated copies of the original creditor 's pre-assignment monthly account statements, transaction and payment logs. These documents prove absolutely nothing in regards to PRA 's alleged status as a debt purchaser of my account, an alleged assignment of rights or PRA 's alleged real party in interest status for my account and the alleged debt. If PRA does not produce certified copies of the Bill of Sale, Assignment of Rights for my account and records confirming PRA 's payment of actual consideration that facilitated an alleged sale of my account within 30 days, I plan to file a lawsuit against PRA in Ohio small claims court for violation of the Ohio Consumer Sales Practices Act, which applies to alleged debt purchasers, among other consumer protection statutes. If such a lawsuit becomes necessary, I will request actual and nominal damages, as well as treble damages which the Ohio statute expressly authorizes.
Consumer complaint received 2021-02-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY (FL)

After reviewing my most recent credit report, TD Auto Finance has : 1 ) continues to report although they have charged off the account and has the unpaid balance reported as a loss by credit grantor. How can they continue to report.

2 ) shows that the last payment received was in XXXX, 2019 but they repossessed the car in XXXX.
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NE)

I received a 1099-K IRS form from Block Inc. / Cash.app on about XX/XX/XXXX XXXX for transactions processed by someone who used my Name, address, SSN to set up an account. Starting in XX/XX/XXXX through XX/XX/XXXX they processed 426 transactions for a total of {$38000.00}. 

I have contacted Cash.app via their app and via phone at XXXX multiple times over past 3 weeks. explained the situation over and over and all they say is they will update via email. But they never update. meanwhile I assume the fraud continues in my name and under my EIN. 

This income which is not mine was also reported to the IRS. I need this corrected with the IRS so I can file my return without being held liable for this fraudulent Income.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. XXXX XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by XXXX because my federal student loans were in in-school deferment. I consolidated all of my student loans. The XXXX account has been closed for several years. My complaint is that ( 1 ) XXXX is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how XXXX came to service them. Reporting 36 late payments on my account that I challenge requires XXXX to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check XXXX ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out from them.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/21 I called bofa about charges placed on my card that I wasn't aware of. They refunded my money of {$82.00} and then they suggested I get a replacement card, so I agreed. On XX/XX/21 I still have not received my replacement card and when I called they ordered me a new XXXX and said the first XXXX was lost somewhere but the new XXXX will be sent with expedited shipping. On XX/XX/21 I called once again because my card had not arrived. The gentleman i spoke with asked me if I had another address i could ship my card to and I told him no. He then suggested I get a p.o box or have the card sent through standard delivery in hopes for a better chance to get to me. Really?! He then told me that the card was sent to the address on file but the delivery service was having trouble getting me the card yet no attempts were logged in the system with bofa. I asked to talk to a supervisor in which XXXX spoke to me and he then stated that no card was ever sent out!! He asked me if I wanted a XXXX time transfer of my own money with XXXX XXXX. I agreed and then was on hold for XXXX hour until the XXXX XXXX supervisor spoke with me. She told me that my transfer would be ready for pickup within XXXX business hours and if not then the following day. She said i would receive a phone call with a XXXX number or from a restricted line with my confirmation number and that they would only call once and if I missed it I would have to call bofa back. OnXXXX XXXX I called bofa back because I never received the XXXX XXXX phone call with my confirmation number. Its now XXXX and this is my XXXX attempt to talk to someone I've been on hold for XXXX min this time the previous times were XXXX hour each time before I hung up. I've never had a problem receiving any mail service or shipping to my single family home in a nice neighborhood. I'm frustrated and i want my card or my money I'm behind now on my car insurance and my kids are going back to school on XX/XX/21 so its very important i need my money!!!!!!!!!!!
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC (SC)

XX/XX/20XXXX XXXX XXXXXXXX Account XXXX - Certified letter request was sent to remove all late payments, no response was made back in over XXXX JEFFERSON CAPITAL SYSTEMS Account number XXXX - requested removal of this account as I have no knowledge of it, and I didn't sign an agreement with this debt collector XXXX XXXX XXXX Account number XXXX Account XXXX its reporting inaccurately to the credit bureaus, one is showing paid in a settlement and the other is showing transferred and closed, this account should remove.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I received a letter today XX/XX/XXXX dated XX/XX/XXXX that my account had been closed. I was not aware my account had been closed. I was also advised this was a result of service fees that were being charged to my account monthly. I had a free checking account and request the fees to be waived. Additionally, I was charged {$30.00} for a returned transfer from XXXX back which was a result of XXXXXXXX XXXX making an error. As seen from the attached correspondence from XXXX, this was their error and was fixed. I ask for a credit of those fees as well. 

Please instate account and fees. 

Thank you.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Fraud on my checking account. Aware of this at XXXX XXXX today, suspicious check clearing my account. Called the 1-800 # and they moved to close my account but actually changed the account number. The agent scheduled an in-branch appointment for me for the next Business Day which is 4 days out ( holiday ). 

No reference number was given for my fraudulent inquiry. Now as I follow up with my account I do not have access to my fraud account information. I have no idea if there's a filed complaint or fraud complaint for my funds of {$2400.00} leaving my account. 

I went into the branch for in-person help. No luck, all they can do is to call the same number that I called. No additional assistance at all. Waste of time. 

Phoned the 1-800 # again asking for assistance to make sure that a fraud case or file has been opened. Without a reference number I can not get any information, ZERO! This is my account, my funds going missing. 

Wells Fargo failed to provide me with a fraud case or reference number. They have blocked me out of my account information regarding the fraudulent check clearing my account for {$2400.00}. I want action on this immediately. 

Thank you. 
XXXX XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hello there, A little back story, I opened my XXXX XXXX credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. 
On XX/XX/2023 XXXX reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/XXXX  and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have 8 credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, XXXX and XXXX that I had a high balance on my XXXX. I immediately contacted XXXX, told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on XXXX and Equifax. I lost XXXXXXXX  points on Equifax and XXXX but XXXX fixed the issue the very next day. Every time I contact XXXX  about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had XXXX XXXX shout on me and place me on endless holds. 
Today XX/XX/XXXX  they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, XXXX  and XXXX models. Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. 
Id really appreciate it if something can be done about this since XXXX is completely incompetent and has refused to do their job. My fico and XXXX scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. 
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team Thanks, XXXX XXXX
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2021, I wrote a letter to Transunion, XXXX XXXX XXXX  about a Major Issue on my credit report about a Bankruptcy. The account has incorrect, inaccurate, and inconsistent information reporting on all 3 bureaus. Which represents 4 major violations on my credit report with this account. 

I am having a problem with Transunion, XXXX XXXX XXXX I filed a dispute and Their investigation has taken more than 30 Days and I have yet to receive a response from them.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

After being late on a minimum payment, my interest rate was increased from 15.99 % to 29.4 %. During this pandemic, how can a large business like Capital One be charging a struggling small business 30 % interest. Especially while interest rates are at an all time low. The spread they are charging must be usury. Even worse, I have to make 12 consecutive on time payments before the rate can be adjusted. So I have to pay almost 30 % for year! When I called they said it was part of my terms of service agreement. My comment was that was signed when a pandemic wasn't going on. They would do nothing to help.
Consumer complaint received 2023-02-13
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. (GA)

I reached out to this agency in XX/XX/2021 regarding helping me to get the credit bureaus to remove the fraud alert on my credit file. I got a response from you all on XX/XX/2021 stating it was handled but still when I try to run my credit im being told there is a fraud alert on my credit.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a claim on XX/XX/2021 with Bank of America EDD prepaid card services. Since the original dispute had been filed, I sent in required documentation asked of me by BofA. I sent in a photocopy of my Identification card as well as a copy of the police report and police findings in the case matter. After being denied and refilling, my case has been placed in a " pending '' status for around 2 years now. Having filed over 15+ complaints and expedition requests there is still no resolve in this situation. The woman who was charged with the illegal use of my unemployment card as well as other fraud charges has been charged and found guilty, and has completed the sentence set fourth by the judge and still the funds in the case have not been received back. I really need the money back in this matter. I have lost my home, my children, and job due to XXXX  and then my EDD being stolen. I really do not want to have to have an attorney sue the company for negligence.
Consumer complaint received 2023-04-05
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: Atlanticus Services Corporation (CA)

During the Pandemic I was dealing with XXXX XXXX XXXX anXXXX XXXX XXXX  with XXXX XXXX XXXX XXXX. which lead me to go visit my doctor, I was involved in a XXXX XXXX XXXX which put me in more XXXX XXXX. XXXX and need for iXXXX XXXX XXXX and XXXX, I value and respect my credit and reached out to Aspire* about the XX/XX/2022 payment which was {$140.00} due, I let them know what was happening and made arrangements/ promise to pay half, with the remaining to be paid by the XXXX of the month [ two days after the statement date ] they reported the entire payment 30 days late, I had no other payment issues with them and paid double payments and entire balance $ XXXXas soon as I got back on, my financial feet. I have been a good customer with this credit card account and really feel it unfair and unnecessary to have my credit score affected by the late payment they placed on my report. I asked for understanding and consideration because of the circumstances I meantioned above. I would appreciate very much to have this removed and to keep good standing with Aspire*