davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and come to an agreement to have the authorized charge to be resolved.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Dear CFPB, I called USAA to report the credit card they issued to me as lost or stolen on XX/XX/XXXX. I remember using this credit card on XX/XX/XXXX in XXXX. It was subsequently either stolen or lost. When I noticed my USAA credit card was missing on XX/XX/XXXX, I logged into my account online and noticed thousands of dollars of unauthorized purchases. I immediately reported the card as missing and reported a number of charges listed online as fraud. I was advised by the USAA representative to keep a close eye on my account. Accordingly, I did monitor the account. I called back at least once to report additional charges as fraudulent. These charges had all been made in the XX/XX/XXXX-XX/XX/XXXX period. However, some of these charges only posted to my account later a few days later. Ultimately, I am disputing 18 charges to my joint credit card account with my husband totalling {$3700.00}. 

Initially, in XXXX, pending a fraud investigation, we were issued credit for these purchases. These charges re-appeared on our credit card account on XX/XX/XXXX after a fraud investigation was completed. However, I received no letter informing me of the conclusion of this investigation to either my USAA inbox, to my email account or to my regular mailing address ( to my knowledge, though it is possible that it was lost ). Despite speaking to USAA on XX/XX/XXXX ( approximately half an hour ), XX/XX/XXXX ( 36 minutes ), XX/XX/XXXX ( 17 minutes ), XX/XX/XXXX ( 32 minutes ), XX/XX/XXXX ( 37 minutes ), XX/XX/XXXX ( 35 minutes ) and today on XX/XX/XXXX ( 20 minutes and 26 minutes ) about these charges specifically, no USAA representative has been able to resolve this dispute, or even tell me what steps I should take to help resolve this dispute. In the meantime, we continue to carry nearly {$4000.00} of debt on our credit card that was the result of a XXXX claim that we continue to dispute until the present day. 

I should acknowledge that I have received one phone call back from an XXXX in the USAA credit card fraud department on XX/XX/2018. This individual left a phone message ( I have it saved ) instructing me to return her call at a general number ( XXXX ). Despite two attempts ( one today and one on XX/XX/XXXX ), I could not reach her or anyone authorised to discuss my case when trying this number. Today, on XX/XX/XXXX, I called the senior dispute resolution team one last time to see whether they could do anything before submitting this complaint. 

Over four months have elapsed since I reported these investigations to USAA and I am extremely frustrated that they have not been able to resolve this, much less provide me with any indication of what is being done to resolve my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

please be advised that a copy of this letter has also been sent via certified mail. the XXXX, and experian credit reporting agency both continues to be dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, it was confirmed that the company XXXX was the supplier of this invalid account being reported, but they could not validate these bankruptcies with XXXX and therefore XXXX  deleted the items, however XXXX and XXXX continue to say that this company is their supplier of this invalid info.I hav never lived at the address this bankruptcy was filed under, so I called them to request that I have this validated and they stated that they have not validated this debt with XXXX, experian, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter  attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). please provide me with the courthouse name, address, phone number of who verified this debt
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EMCC Holdings, LLC (AR)

The company posted late payments on my account incorrectly. Some were made before XXXX on the weekend and they didn't post until the next business day. The company also did a credit check without my authorization. I already had an account with them and I was not seeking additional funds. I don't understand why they did a cred check. Some of the their customers service representatives are very rude.
Consumer complaint received 2018-09-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (GA)

My car loan was sold to another company ( Santander Consumer USA ) after my car was deemed a total loss. I was never notified that the loan was being transferred or that the account was placed into collections or a charge-off. When I contacted the company after noticing that my credit score dropped over 50 points, they were unable to give me proper information or documentation that the account received payments from my insurance company or GAP company. I even called both of these companies to verify that the payments were actually made and each company verified the dates and amounts paid to my original loan company. Unfortunately because the account was sold during this process, my original loan company has no further information and said that the new company would be able to verify everything but was not able to. I spoke to several representatives who placed me on several holds for long periods to speak to managers since they didn't have information about the account being placed into collections, payments received, and was even hung up on while waiting for resolution. They did offer me a settlement, but that will not help out with the damage to my credit after trying so hard to repair it from a divorce. To reduce conflicts and because I was afraid that interests and late fees would apply, I continued to make a payment in XX/XX/2018. They said that once they received the account, it was already a charge-off / in collections. How is this possible when I made payments while waiting for the insurance company to send their settlement check and my GAP coverage to send theirs? Again, the company is unable to give me answers and only offered settlements for the account.
Consumer complaint received 2024-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

I was a victim of Online Fraud. The Imposters called me and claimed they were an online loan company that I applied with. They asked for my bank account and routing number. They then sent me a ping to verify my bank. I replied with XXXX digit pin, then saw 3 deposits of {$400.00}. They reversed 1 of them, so i had {$800.00} they sent to checking account. They said they wanted me to withdraw {$800.00} and return it via prepaid Visa cards. 
I was unsure this was safe but they said to assure me they will have my bank call me to verify the funds were legit. Couple minutes later i got a call from my bank XXXX service number, and the imposter said the funds were legit. So I went to a XXXX and withdrew {$800.00} and sent it to them via Visa gift cards. But when they asked me to send more, i decided to call my banks Fraud Dept. 
I was told the funds deposited were counterfiet and my account was locked. 
Unable to access my cash i went to a branch. They also would not even release to me my cash that i had in bank. I was left with no cash for food or gas, and was told it would take 7 days. Basically I was left on side of road with no way of getting home or to work. 
Loss Prevention called me after 7 days and said my account was clear and free to use. I went to a branch and withdrew the cash available, because they returned my Rent payment. The branch rep said i had {$900.00} in checking, which I withdrew because my rental payment was {$900.00}. 
I had 1 direct deposit which i withdrew once it cleared my account, and I was going to close my business with Wells Fargo. But the following week, Wells Fargo Collections called and said i owed {$770.00} from savings account. I had {$25.00} in savings for emergency, and the {$800.00} they deposited made my account- {$770.00}. They also said I was the one that deposited the {$400.00} credits, which is false. The Imposters hacked my device 'cell phone ' as well as 'Vished ' the banks number to conduct the Fraud. The bank obviously didnt believe, even though the pictures of the deposits were bogus checks from an insurance company. 
I will probably have to seek legal representation but also want to publically file a complaint to Wells Fargo. 
First of all, they approved the deposits from the fraudsters, it was released to my account. They should have held it and verified the deposits, just like all banks do when depositing a check. 
In my eyes Wells Fargo are as guilty as the fraudsters are, or maybe this what they do. 
Please note, I was Wells Fargo customer for over 10 years, never had an issue.
Consumer complaint received 2018-09-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (IN)

I originally tried to workout payment plan details with my mortgage provider, XXXX. XXXX would not work with me on payment arrangements. I tried calling multiple times. Greentree took over servicing for the loan and would also not work with me on payment arrangements. At this point, Ditech Financial LLC took over servicing, and still would not allow payment arrangements with me. It is now effecting my credit.
Consumer complaint received 2018-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XX/XX/XXXX purchased tickets for XXXX XXXX XXXX through XXXX in the amount of {$1200.00} XX/XX/XXXX found out that XXXX has issued warnings against XXXX, declaring the merchant an unauthorized seller and warning people that they will not XXXX ticket holders into the stadium. XXXX has filed a criminal complaint in a XXXX court, declaring the tickets " illegal '' and " illicit '' XX/XX/XXXX as soon as I found out, I contacted the bank to cease the transaction and did not resell the tickets because of the illicit nature of the tickets XX/XX/XXXX - XX/XX/XXXX asked XXXX for refund and for them to not send me the tickets. They aggressively continued insisting and passed along my information to the sellers who contacted me personally. ( I or the XXXX host in XXXX XXXX never received the tickets. ) XX/XX/XXXX Purchased ticket through XXXX and through a friend in XXXX XX/XX/XXXX Even though XXXX has sued XXXX, it refuses request to send a letter citing " lack of contractual obligation '' XX/XX/XXXX I  reply to XXXX saying that all I need is a letter declaring their policy and that they would not have let me into the stadium with a XXXX ticket XX/XX/XXXX-XX/XX/XXXX After not getting results via phone, contacted XXXX via form again, again requesting a simple letter that they would not have me into a stadium with a ticket from XXXX. XX/XX/XXXX XXXX responds with the same generic message XX/XX/XXXX Bank of America requests documents but notes that the final decision is in the hands of the merchant, which is a scammer. XXXX will certainly refuse and take my money. XXXX is subject of lawsuit in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, the XXXX and XXXX. It has been fined in XXXX. XX/XX/XXXX Filed complained with the FTC, though it says it can not intervene in individual matters. Encouraging " Victims of XXXX '' who are based in the US to do the same if XXXX refuses to refund. Bank of America is putting me in an unfair position with a scammer.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My capital one credit card platinum secured account opened on XX/XX/XXXX and all history was removed by request of capital one of 12 month history along with the tradeline of {$600.00}. Capital one denied this and stated that the account number is reporting to all credit reporting agencies when it is only one and that is XXXX. The tradleine omg with the excellent payment history was removed by request of capital one for XXXX and XXXX. I have contacted and communicated with both CRAs and they both stated that this was indeed by request of the creditor capital one. Now the account is open and active and I do keep the tradeline in very good standing with payment history and use the the credit card. My complaint is I have disputed with capital one since XX/XX/XXXX and they keep sending their results of the investigation to me stating that the tradeline are verified reporting to all CRAs when indeed its not only to one which is XXXX. Capital one does not know why the account was removed and denied that they requested for its removal and stated in a letter that they have verified its posting to all three CRAs by sending a letter also stating that. I asked by how did they verify this posting of the tradeline and by what means and keep sending a letter stating that its posting and posting accurately which it is indeeed only reporting to XXXX and not XXXX and XXXX. The situation still is not corrected and they have had enough time to allow for its resolution. The CRAs XXXX and XXXX have both stayed that they need to submit an reinsertion of the trader line and of XX/XX/XXXX none have been submitted this has been ongoing since XX/XX/XXXX. This is indeed a clear violation of the fcra for inaccurate reporting and only reporting to one CRA and removal of the reporting on XXXX and XXXX resulting in loss of age in credit history and fico scoring capital one have not went to any verification of its reporting or beyond to make sure that it is indeed reporting they have had well over 30days to correct the problem and have failed to do so this account ending in XXXX I have included reports from XXXX XXXX   credit monitoring service as well as the XXXX report. I have an old account and another active account with capital one old account dating from XX/XX/XXXX that was settled and another that is active which is quicksilver opened XX/XX/XXXX these are not to be confused with the account that is still open and active opened XX/XX/XXXX with credit line of {$600.00} account ending in XXXX which is the account removed by capital one to the authorized users on my account their reporting which is weirder and I have included the XXXX report showing the tradeline from capital one of XXXX reporting the only cra reporting it.
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

The XXXX XXXX XXXX company sent me a fake document that demanded I pay {$290.00} because I have an outstanding debt on one of my current credit cards. I was immediately concerned and gave them a call. 
This caller claimed to be a debt collector after sending me a fake document to my home address. On XX/XX/2018, I received this fake letter that had my address information, my name, and my credit card information. I assumed that it was real and called the number. The debt collector on the phone was using threatening tactics to try to make me pay a false debt. He asked if this was my number, which I confirmed. He also asked for the last four digits of my social security number, which I also gave to him. It was only when I had trouble finding the XXXX XXXX XXXX online, did I realize that this must be a scam. They dodged my questions about the " debt '' by threatening me. 
Their fake website is XXXX I am concerned because I gave him my social security number. The organization already has my address, birthday, full name, and credit card information so I am very concerned about what they are going to do with my information. 
The resolution I am seeking is for this scam to be shut down.
Consumer complaint received 2018-09-19
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. (NJ)

I have an old, closed auto account. to which I will attached the complete reported history from the creditor to Experian and XXXX. It has been long past 7 years from the first reported delinquency and I have requested multiple times that the account be deleted from my credit history. each bureau keeps reporting less and less history of the account, so as to ignore the first few years of the payment history. I am asking they correctly reflect the complete payment history, then would subsequently show well past 7 years have passed since the first delinquency and then the account will be deleted. 

thank you
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MS)

In XX/XX/XXXX, I began to pay attention to my credit and noticed that there was an account I did not open with XXXX XXXX with a balance of {$950.00}. On XX/XX/XXXX and XX/XX/XXXX, I sent letters to XXXX XXXX requesting that they validate the debt and send proof bearing my signature or remove the debt from my credit reports. I did not get a response but soon after ( XX/XX/XXXX ) I  received notice that the debt was sold to XXXX XXXX who soon after ( XX/XX/XXXX ) has hired XXXX XXXX XXXX to sue me for this debt. I have requested they they validate the debt as well and they sent me three statements that none of which had my accurate address and none had my signature. I did not open this account as I was caring for my father who lost his battle to XXXX in XX/XX/XXXX. This is unacceptable and unprofessional.
Consumer complaint received 2018-09-18
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. (PA)

My credit reports are showing that my XXXX store credit card, issued by XXXX XXXX, was charged off in XX/XX/XXXX. This is an old account that was actually charged off in XX/XX/XXXX and this inaccurate date caused my credit score to drop because it looks like I have a recent delinquency when, in fact, I do not.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The account with XXXX XXXX XXXX  account # XXXX ending in XXXX is closed and charged off. There should be no DELIQUENCY AFTER A CLOSED DATE ... ..So how is this ever late or past due? On any of these reports. I have provided proof and documents that this has been reporting inaccurately for months. I have been disputing it mulitple times not only with the creditor but with the credit reporting agencies and they have come back and said they have verified that this is accurate but not addressing the concerns of the disputes. Well i do have rights and according to FCRA 623 Duty of Furnishers of Information to Provide Accurate Information at all times. This has not been the case for me concerning this account with XXXX and Equifax. Please see attached inaccuracies with mulitple request of disputes to verify the information that was provided by the creditor. 
how was 34 payments received on a 4 month term loan? 
How is there a payment amount due? 
why are there 3 different amounts on all different bureaus? 
why is this charged off and closed and past due at the same time? 

This has caused me so many issues in the last year that i cant express how thankful i am to finally get help with one bureau, now can you assist with the illegal activity that is being done with the others.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (MA)

Hello, and Please help! I'm not sure where the breakdown is, but : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (FL)

XX/XX/18 AARGON Agency Inc, XXXX XXXX  XXXX XXXX. XXXX XXXX NV XXXX place a collection on my credit report for {$2900.00}. Representing XXXX XXXX, XXXX Florida, for a XXXX XXXX  bill that I am not responsible for. I am uploading a document from Florida XXXX XXXX XXXX  showing that I am not responsible for the balance, and what AARGON and the XXXX XXXX are doing is illegal under Florida law.