davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

My credit card is through capital one, and this involves a transaction with XXXX. 

On XX/XX/XXXX, I placed an order from {$63.00} for food delivery from XXXX using my card. The food was not delivered and I have documentation of that. XXXX would not refund the money, however. 

On XX/XX/XXXX, {$63.00}, my card was charged I disputed the charge and capital one credited that amount back to me on XX/XX/2023. The dispute was resolved in my favor because, I was told, XXXX did not respond to capital one. 

On XX/XX/2023, my card was charged {$63.00} by XXXX again. I did not order anything for that amount and did not receive any food or services for that amount. I did not approve that transaction. 

I disputed that transaction, but Capital One just contacted me saying they received from XXXX " documentation '' of the transaction. I am submitting to Capital One my order history showing I did not order anything on that date. However, I am concerned about the fact that XXXX submitted documentation to Capital One that is fraudulent. The Capital One support agent said that XXXX sent them a receipt of the transaction, which did not occur.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

According to your letter dated XX/XX/XXXX XXXX XXXX account was CHARGED OFF on XX/XX/XXXX. 
According to IRS Publication 4681, charged off debt is considered income and income can not be reported to a consumer report in accordance with the Privacy act of XXXX which prohibits disclosure of personal information. 

Additionally, my vehicle had been repossessed on XX/XX/XXXX. On page XXXX of Publication XXXX XXXX  XXXX Foreclosures and Repossessions, it states, If you dont make payments you owe on a loan secured property, therepossession is treated as a sale from which you XXXX realize gain or loss.. If the outstanding loan balance was more than the XXXX of the property and the lender cancels all or part of the remaining loan balance ( which the letter dated XX/XX/XXXX stated occurred ) you must also realize ordinary income from the cancellation of debt. You must report this income on your return. 
COFA also failed to send the 1099c copy b that was used to charge off the debt so I could report this income to the IRS. 
Again, INCOME of an individual that is to be reported to the IRS can not be reported to a CONSUMER REPORT. Violation of the privacy act. 


Furthermore, COFAs record of payment history is incorrect. Each statement ( bond/coupon ) that XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX was properly stamped and endorsed in accordance with CFR. 328.6, 330.3, 330.4, 330.5, 330.6, 330.7, and returned to COFA via registered mail. Under UCC 3-603 ( b ) Tender of payment ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

This law goes in conjunction with 18 USC 8.

Therefore, the history of reported payments are inaccurate and should be immediately removed.
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (MN)

On XXXX of 2023 I sent up automatic payments for my mortgage with Wells Fargo Home Mortgage. Providing bank statement to prove this. In XXXX of 2023 I received a letter from Wells Fargo Home Mortgage stating I was behind on my payments. I looked at my bank statement and see Automatic Home Mortgage payment XX/XX/XXXX of 2023. Auto payment was not made on XX/XX/2023. I did not stop the automatic payment. It looks like Wells Fargo stopped the automatic payment. I called Wells Fargo about this and they said I was never setup for auto payment. I then asked what does it mean then on my bank statement. Wells Fargo did not have an answer for me about what this means. I then went to the Attorneys Generals office of MN for some help. Wells Fargo responded and still maintains that I was not setup for automatic payments. Wells Fargo also is still avoiding to answer the question " What does it mean on my bank statement Auto Payment Wells Fargo Home Mortgage? '' What is even more concerning then is why did Wells Fargo Home Mortgage auto draft a payment if I was not setup for automatic payment according to Wells Fargo. I was making my payments early and so it does not show auto pay until I stopped making them early, which would be XXXX of 2023. Then the auto payment shows back up in XXXX of 2023. Then it looks like Wells Fargo decided to stop the auto payment.
Consumer complaint received 2023-11-09
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: CITIBANK, N.A. (NY)

My Citibank credit card information was stolen XXXX in XXXX and XXXX, as many charges, adding up to more than {$500.00} were charged in my card ( most of them were charged in a XXXX telephone company, I have never been to XXXX nor heard of that company before ). 
Citibank contacted me on XXXX asking if I had done these purchases and I said no, and I froze my credit card and was issued a new one. Fraudulent charges appeared again on the new card, which I disputed again. I have called citi and talked to their representatives 5+ times, and they told me the disputes would be solved in 60-90 days. Fast forward to XXXX, they sent a statement saying they kept the disputes as I hadnt provided enough information they requested, even though I had answered all of their questions multiple times we were on the phone. 
So I called again in XXXX, to reopen the dispute, and they tell me they'll submit the disputes again and will get it resolved. Fast forward to today, 2 months later, the charges are still in my card and I am being charged interest for $ XXXX fraudulent charges I did not make.
Consumer complaint received 2023-11-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I received 2 American Express XXXX XXXX cards within the last few years. XXXX for {$100.00} ( expires XX/XX/XXXX ) and another for {$50.00} ( expires XX/XX/XXXX ). I can not use these cards anywhere online. ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX to name a few ). I have tried to use it at a XXXX store and it was declined. These cards are basically useless to me.
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I have requested information last year from the company Resurgent as the information being reported from the XXXX XXXX is incorrect and should no longer be reporting on my XXXX and XXXX credit report .The company sent a statement balance which is not what I requested. I am again asking that they provide me a legal copy of a signed agreement I have with them, if they can not do please remove. I have copies to show, also this account does not appear on my XXXX report as I have received notice after a reinvestigation. I believe There is also a chance that the debt is 'unenforceable '. This means it does not comply with the Consumer Credit Act 1974 ( CCA ). This debt is be resold and creating a new opening date each time which is causing it remain past the 7 year period
Consumer complaint received 2023-11-09
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: AMERICAN EXPRESS COMPANY (GA)

This is referring to dispute XXXX Dealing with a merchant that is refusing to accept a return claiming it is there system and that they submitted a ticket to get it fixed. They say this every time, for a month. And then it was closed because to quote what AMEX sent me exactly : In response to our inquiry merchant has provided us with detailed explanation of the charge that this is a XXXX XXXX XXXX sale wherecustomer has inspected the merchandise and carried it along with him on same day and also card was chipped at time of sale. Theyfurther states Order number will not be created for cash & carry sale, customer has to provide return receipt or contact store for thesame. 

Paying with a chip? Ordering with cash? What in the world is this. Where does it say we refuse to fix our system and accept return or that we are lying and just trying to weasel our way out of honoring our return policy?
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (FL)

On XX/XX/XXXX at XXXXXXXX XXXX., I spoke to XXXX XXXX employee # ( XXXX ) in the collections department, about my XXXX bill. I told her that I had been charged for equipment that I no longer had, added late fees, and reconnect charges. I told her that I had been trying to disconnect this service since XXXX. She told me for me to close this account, I would have to pay {$110.00}. I paid the {$110.00}, and she closed the account. 

XX/XX/year>XXXX  - I talked to XXXX XXXX at XXXX and told him, I terminated my service months ago, and I don't have their equipment. 

Please see the attachment : Email about a conversation with XXXX XXXX Email payment from XXXX XXXX for {$110.00}
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NH)

Secured Credit Card bank name : XXXX XXXX XXXXXXXX XXXX ORIGINAL STARTING BALANCE ( INCORRECT/NOT POSSIBLE - READ MESSAGE BELOW ) {$22.00} THIS DROPPED MY XXXX CREDIT REPORT BY ALMOST XXXX POINTS SECOND BALANCE REPORTED ( INCORRECT/NOT POSSIBLE ) {$170.00} THIS DROPPED MY XXXX CREDIT REPORT AGAIN BY ALMOST XXXX POINTS THESE TWO BALANCES WERE REPORTED TO XXXX BY XXXX XXXX AND XXXX XXXX XXXX WITHIN LESS THAN 2 WEEKS APART CAUSING SEVERE DAMAGES TO MY CREDIT SCORE NOT ONLY ARE THEY REPORTING THESE FALSE BALANCES TO XXXX, THEY'RE ALSO REPORTING IT TO EQUIFAX AND XXXX HERE IS A MESSAGE I SENT XXXX XXXX  VIA LIVE CHAT : I'm having serious issues with the credit card builder and it's reporting practices to credit bureaus. Chime has been making errors in its reports claiming that I have a balance on my account, which is impossible since I have safe credit building on and with that any balance every month is automatically taken out of my XXXX account. This issue has caused my credit score to drop over XXXX points in two weeks. I am very XXXX off, unhappy. This is totally unprofessional and reckless and my credit information is being manipulated and XXXX is making false reports and amounts which is illegal under the Fair Credit Reporting Act. This needs to be addressed as soon as possible by the escalation team. If it isn't I'm going to report this information to XXXX reviews, XXXX reviews, XXXX play app reviews, going to make a complaint to XXXX and going to contact the agency that handles the FCRA. You are causing me damages by destroying and lowering my credit score with false reports and information. 


WHAT THEY ARE REPORTING AND THIS FALSE INFORMATION IS ILLEGAL AND IS CAUSING ME PERSONAL LOSSES AND DAMAGES
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention certain inaccuracies that have been reported on my credit report. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I kindly request your assistance to rectifying the following errors : 1.Account name : XXXX  Account number : # XXXX Inaccuracy : Incorrect information on balance, payment history, account status, comments and dates. 

I have attached supporting documents that substantiate the inaccuracies mentioned above. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. I kindly request that you conduct a thorough investigation into these inaccuracies and take the necessary steps to correct or remove the erroneous information from my credit report. 

Additionally, I would like to emphasize that the continued reporting of inaccurate information reflects negatively on my creditworthiness and financial standing. I kindly request that you update my credit report promptly to reflect the accurate and up-to-date information.
Consumer complaint received 2023-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (FL)

Every time the Mortgage company is sold or changes owner I got charged for legal fee 's. My mortgage company changed from XXXX to XXXX XXXX. My payment was for {$460.00}, now they ask {$750.00}. The escrow account went up to {$280.00} becausd they are charging {$3700.00} for legal fee 's. I need to take legal actions against companies like this as they are stealing money from innocent peoples that have no time or money to fight against this corporations. Please help.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/XXXX a hard inquiry was made on my credit by JPMCB Card without my knowledge or consent. 
XX/XX/XXXX I received a notification from my bank that I had a change in my credit score. 
I confirmed the fraudulent credit card application by calling Chase Security. They were very helpful and closed the application. I requested the hard inquiry be removed from my record. They assured me no further action was needed on my part. 
I froze my credit and checked my information with the credit bureaus. XXXX listed the information that was used to place the fraudulent application, including the phone number ( XXXX ) XXXX. Whoever uses this number should not be trusted. I am reporting this to hopefully thwart further attempts of fraud.
Consumer complaint received 2023-11-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: PNC Bank N.A. (CA)

On XX/XX/2023 I submitted an inquiry to PNC Bank on our HELOC regarding the payoff amount for our loan. I received a figure that was good for that day and I subsequently paid the amount shown, {$61000.00}. To my surprise, this created a credit on the account in the amount of {$110.00}. I waited over XXXX months and the credit never went away so I wrote a check against the account for that exact figure, {$110.00} to XXXX  out the balance. 

About a week later I received a check ( advance ) from PNC for {$110.00}. I did not cash the check and called them to instruct them to stop payment. I was told it would be handled but could take up to XXXX  days! In the meantime, PNC was charging me interest on the {$110.00} even though I never cashed the check. Some weeks went by and I started to receive late payment notices, calls from debt collectors, so I called PNC again to determine the status and they had no record of my previous call or instruction to stop payment. 

At this time I asked for a supervisor to and of course none were available. The next day I got a call from an individual name XXXX who told me he would handle the stop payment and assured me nothing would be reported on my credit or go to collections. 

XXXX was able to stop the payment ; however, the interest that accrued on the check I never cashed was not waived and I waited another month anticipating that would go away as there was never actually a balance in the account to accrue interest on. 

Fast forward to a couple of weeks ago and now my balance continues to grow and I am being assessed late payment penalties. I have given up on PNC to correct the issue so I pay the balance due ( total balance outstanding ) of {$1.00}. It's not much but I don't actually owe them that. 

After the payment clears I check back and somehow I owe an additional {$.00}. Frustrated, I go online to make another payment and I can't. I can not make a payment less than {$1.00} nor can I schedule to pay the balance due, the website simply doesnt allow me to. 

I call again, ask the lady to waive my balance of {$.00} so this can go away. She happily submits the request and told me it will take up to XXXX business days to process. We are now sitting at XXXX business days still with no resolution and more late payment notices. 

Finally, I check online today and the balance of {$.00} is still there, so for the heck of it I check the payoff amount and its {$100.00}! Why? If this isnt fraud I dont know what is. I am not closing the account merely paying off the balance and I only owe {$.00}. At this point they have given me incorrect payoff amounts, sat on my money for over 2 months, charged me interest on checks they sent me I never requested or cashed, and continue to assess late fees and penalties for money I don't owe them. The kicker is I've called them at least XXXX times and no one can resolve this for me.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern, I am filing this formal complaint as a victim of identity theft, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Enclosed are copies of my police report/identity theft report, my driver 's license, and proof of my current address as verification of my identity.

I recently obtained a copy of my credit file and identified information that does not correspond to any transactions I have made. I am requesting the immediate removal and permanent blocking of the following fraudulent accounts from my credit file. Under FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), I am entitled to have fraudulent information resulting from identity theft removed, and I expect this to be done within 4 days of receipt of this correspondence. 

This is not a routine dispute ; I have also filed a complaint with the Federal Trade Commission ( FTC ) documenting my case of identity theft. The following fraudulent accounts must be removed from my credit report : Identity Theft XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX Account Number XXXX XXXX Please ensure that these accounts are promptly removed from my credit file as required by law. 

Thank you for your immediate attention to this matter. 

Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, Proof of Identity ( Drivers License ), Proof of Address, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )
Consumer complaint received 2023-11-11
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Unlock Wealth $ (GA)

XXXX XX/XX/XXXX I paid a contribution amount of {$2500.00} for inclusion in the platinum plan XXXX XXXX XXXX XXXX XXXX The plan ensured a loan contribution of $ XXXX to be paid in equal parts over a 2 year span. Members were required to pay back the contribution loan of $ XXXX. 
-After confirmation of payment/contribution a loan number was never provided to me. 
-Per the contract, once the contribution was made for the applicable tier, members would begin to receive distributions within XXXX weeks. 
XXXX never received a distribution of any type and began to email XXXX XXXX. I also went to their XXXX page only to find that they had turned off comments, and deleted message from other individuals who paid into the system and had not received disbursements. The email responses were vague at best with an attempt to pacify. As a result, I request a refund of the {$2500.00} that I paid. I was told it would be processed, but I never received my funds. 
XXXX XX/XX/XXXX I attempted to file a claim with my bank to try to retrieve my funds ; however, the claim was denied due to the length of time from when the funds were paid to XXXX and the date that I filed the claim. 
-On XX/XX/XXXX, XXXX XXXX deactivated my account so I no longer had access to any information located in my account. 
XXXX filed a XXXX  complaint and XXXX responded that they had never done any business with me and did not know who I was.