davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/23 at XXXX AM EST, I received a notification from Capital One indicating that my Platinum credit card was over its {$20000.00} limit due to a charge for {$20000.00} to the merchant XXXX XXXX dba Hawk Marketplace Giftcard. I immediately called Capital One to notify them that the transaction was unauthorized and fraudulent. Capital One indicated that my card would be cancelled and a new card would be sent to me and that I would be temporarily credited in the amount of the disputed charge while the fraud investigation took place. Despite the unusual amount and timing of the charge, Capital One approved the charge without requesting any secondary authorization from me, as was their typical practice when unusual transactions were attempted. After speaking with Capital One, a second charge for {$20000.00} to XXXX XXXX was attempted and apparently posted to my account. On XX/XX/23 I received a letter ( see attached ) from Capital One indicating, inter alia, that for disputed charges made less than 180 days ago, my account would be credited for the unauthorized charges while the investigation was conducted. Despite this, my account had not been credited. On XX/XX/23 I called Capital One to request information regarding when my account would be credited so that I could use my card during the investigation. I was informed by a Capital One XXXX that I could expect the account to be credited within 72 hours or by XX/XX/23. After the call my account changed to show a " purchase adjustment '' for {$20000.00} credit back to my account, yet my available credit remained at {$0.00}. On XX/XX/23 I called Capital One to ask again when I could expect my credit to become available to me again. The manager I spoke to, XXXX, indicated that I would not be given any available credit while the fraud investigation was ongoing, which could take up to 90 days. I expressed to XXXX my reliance on the credit card to transact my daily life, including paying bills and purchasing prescriptions. Additionally, I noted that the Capital One website indicates that " A temporary credit will typically be granted within XXXX business days so that you have use of the funds while the investigation is ongoing. '' https : //www.capitalone.com/help-center/fraud-disputes/get-refund-for-claim/ I also indicated that the Capital One manager that I had spoke to on XX/XX/23 had represented the same to me and that I would have use of the temporary credit by XX/XX/23, and that I had relied on those representations by Capital One. Nevertheless, XXXX indicated that I would not be given available credit and would have to wait until resolution of the fraud investigation. Credit card issuers such as Capital One should be open and transparent with their consumers and the disparity between the Capital One website, verbal representations made to me, and Capital One policy is unacceptable.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

XX/XX/2023 @ XXXX Jefferson Capital Systems , LLC Company sent me an email regarding a supposed debt that is owed. However, I never provided this company my email address at any point nor have they attempted to mail mail me their complaint. I believe that this company has been hacking my emails. Given the fact I do not owe this company anything since I never entered into a contract with Jefferson Capital Systems LLC
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (MA)

I was involved in a car accident and my car was totaled. My insurance company tried to pay off the loan with PNC Bank 3 different times and each time PNC Bank sent their check back. This happend over a period of 3 months. PNC did not try to resolve the matter with my insurance company and instead sent my account to collections. I have read that this same complaint has happened to XXXX XXXX of other PNC customers. I am submiting this because my credit rating, that has been in the mid XXXXXXXX XXXX for XXXX years was damaging by PNC by their negligence and dropped by up to XXXX points. I called PNC Bank and they are admitting no fault on their side and not willing to fix my credit report. 

Please call if you have any questions. I have submitted the email thread as an attachment. I'm reachable at XXXX.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

In XXXX or XXXX I took out a XXXX XXXX loan with Wells Fargo for a used XXXX XXXX XXXX A few years later, the vehicle was involved in an accident and totaled. Insurance paid off the remainder of the loan and sold off the truck at auction. Years later, ( XXXX or so ) I received a letter from Wells Fargo that I had overpaid the loan while it was active. I thought it was unusual and surprising. Though, I gladly accepted the check and, have always wondered about that account back thenbecause, there were MANY issues and MANY phone calls made regarding fees and the payments going towards the principal balance appropriately. Now, XXXX I see this massive lawsuit/settlement around the SAME time as my loan was once active. I believe I could be owed more- and perhaps they never wanted me to pursue the issue. I would like to see if I am entitled to any damages stemming from the lawsuit.
Consumer complaint received 2023-01-20
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: First Technology Federal Credit Union (TX)

On or around the week of XX/XX/XXXX my wallet, credit card, and pin was compromised and three charges were made without my authorization. I filed a police report regarding the theft with the XXXX Police Department ( Report # XXXX ). 


XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX TX {$1200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX TX {$700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX TX {$160.00} I notified my credit card company of these issue and was advised it would be investigated. A month after filing the dispute a fraud investigator by the name of XXXX XXXX contacted me and stated that she reviewed the claim and felt that the transactions were valid even though she did not receive any documentation from the merchant. She said she believed them over me and she advised she would wait a week as they might provide documentation, but that she believed they probably would not and either way she was going to close the claim stating I was responsible for the transactions. I advised her that I thought it was unfair that at minimal documentation should be required from the merchant but she stated for their review it's not needed and that the decision to approve or decline a claim is at her sole discretion.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX : Reference # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX  I put in a fraud claim to Wells Fargo from XXXX XXXX about my account and over XXXX dollars was taken out of my account through XXXX transactions where I didnt authorize and or have any knowledge of Wells Fargo is not trying to reimburse me all of my money I have been calling and even did a police report on XX/XX/ about wells Fargo and my bank account. I was XXXX  and couldnt follow up to report my bank account. I released from XXXX on XXXX XXXX They are giving me a hard time and some customer representatives are being rude and disrespectful on the phone.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (PA)

I opened my account years ago. The bank has since changed hands twice and is now Key Bank. I have had the following issues since Key gained control of my account. 
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- When Key Bank took over, I had to contact them three times to change my address because I did not get my card. There was a language barrier as they were offshoring their customer service. On the 3rd call, I was told they could ship the card to me overnight and would cover the fee. Instead, they charged the fee then I had to call in and was told they charge it when it sends and the customer has to call in to get it waived. ( I later learned they only waive one fee per year so I guess this was their way of getting that one time out of the way even though it was their error, not mine. ) .. 
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- After moving, I contacted the XXXX number to change my address. Their verification process was to answer questions on public record. They should know my maiden name. I chose not to change my last name after getting a divorce. There was no reason for it. Their questions were all related to my ex-husbands family, not mine. I could not answer their security questions so I had to have my mail just forwarded from USPS. I told the rep this was a horrible verification process and she told me I should get my last name changed to avoid it. That was very unprofessional in my opinion, especially since public records know my maiden name. 
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- A few months ago, money was debited from my account without my permission. I believe this happened using XXXX for marketing. I contacted the bank and was told it would take 10 days to resolve. I called back ten days later and was then told 10 business days. I did eventually get my money back. 
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- Last month I changed my phone carrier from XXXX to XXXX XXXX XXXX. I have had a prepaid service for more than 8 years because it is more economic. I did not know they needed to text me a number to the old phone before changing the number. I called into customer service and was told they could not verify my phone. This is because it is a prepaid account. 
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- I made a complaint on Key Bank 's XXXX page after the incident. I was appalled when they asked for my number to assist me. I asked them how safe that would be since they couldn't verify who I am. Someone commented below my response and recommended I report them here.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I have been a customer with Wells Fargo for over 20 years, and Wells Fargo has charged me an over draft fee on {$1.00}. and change. If the bank pays out less then a couple of dollars there is no reason I should be charged {$35.00}. I was extremely disappointed that I was a customer for so many years yet still was charged an overdraft fee. When I called in to complain I was told I could get a partial refund. I think that was ridiculous as I was a long time customer and figure it's just a way Wells Fargo looks to make money off of their clients. It's no wonder this economy is the way it is. There is always someone trying to get over.
Consumer complaint received 2023-01-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: APEX Asset Management, LLC (NJ)

They left a voicemail not addressing me or anyone in particular didnt mention anything other than to call them back, after googling the name Apex Asset Management I realized they were a debt collection service, I tried to contact them to avoid any negative outcomes on my credit history, I was put on hold then I could clearly hear people speaking in the background and then I was hung up on, most of the reviews seem to be from upset customers, im unaware of any debt I hadnt paid, I cant gain any further information when they refuse to speak over the phone
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (PA)

I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

incorrect personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (OH)

I am havin issue with CASH APP I have an old account that I made a stake in XXXX  through there app and I am getting a run around push the buck. and whwn i called i informed them i was recording rhe conversation and thwn thet could give me access to my account tax records or access back into account. XXXX $ XXXX EMAIL : XXXX phone at time was : XXXX
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Global Lending Services LLC (TX)

At the purchase of this car and subsequent loan on XX/XX/2022, I was promised repairs that did not happen, twice. At the test drive there was pulling at the steering wheel and a jerk when you accelerate. 

The salesman said they can fix these issues because it still has to go through servicing and it could been done then. I waited 4 weeks and was called to pick up my car. During those four weeks I was contacted by the loan company and I let them know I did not have possession of the car and it was being repaired. I asked the dealership when the car was to be ready and for my contract paperwork and disclosures. They kept telling me in a few days and to tell the lender I had the car since it was already paid for. Naively I did yet no repairs were made in those 4 weeks. 

I was called to pick the car up in XXXX and I immediately called back to tell them the issues were still the same nothing had been fixed. They told me to drive back another hour the next day to bring the car back. I did and the car sat for another month and I was finally called and told that I would need to go to a XXXX dealership and use my warranty for the repairs I was promised at the purchase! 

I as very frustrated at this point because it was my first car and I paid {$22000.00} and {$5000.00} down to make sure my family had reliable transportation. So I contacted their corporate office and received a call from a manager to come in and exchange the car. When I came back, again, I looked at a car I loved, credit was ran, again, and I sat and waited to be helped. I arrived around XXXX XXXX and sat there until XXXX. Salesman started to leave for the day. I had my family of XXXX with me so we stepped outside to let the restless children run around. The manager came out to ask if we needed something or had been helped. I explained to him and he told me I was upside down and they couldnt do anything. That was it. After all of that, he told me nothing could be done. 

Additionally, no disclosures were sent to me. According to the truth in lending act I should have 2 copies of disclosures sent to me after purchase to know my rights. 

The dealership fraudulently secured my purchase.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (DE)

XXXX contacted XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TILA violations and request for Notice to Rescind contract. 
XXXX XXXX  Contacted Wells Fargo Auto disputing {$15.00} late fee before payment due and TILA violations in contract. see attachments XXXX XXXXXXXX Wells Fargo said more time was needed to research.. 
XXXX XXXX Wells Fargo responded with payment history showing late continued late fees. see attachments. 
Wells Fargo Auto and XXXX XXXXXXXX have not responded to the Finance charge error in the TILA that I.ve disputed. see attachment
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (MI)

I was contacted via Postal Mail on XXXX XXXX about a XXXX  credit card debt that went to concerning an affidavit " Request Writ '' for garnishment ( nonperiodic ) to XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX, case # XXXX. It was filed against me by Midland Funding Inc XXXX XXXX XXXX  XXXX MiXXXX  ( Judgment Creditor ) with many Attorney names with bar numbers included. Furthermore, I was the Garnishee and it Included XXXX XXXXXXXX XXXX ( the true creditor ) out of XXXX Ohio. Judgment : {$980.00} on XX/XX/, total judgment with interest accrued to date {$63.00}. The total amount of the post-judgment cost accrued was {$40.00}. The amount of unsatisfied judgment due is {$1000.00}. The credit card was with XXXXXXXX XXXX with the last payment made in XX/XX/. I visited the Local XXXXXXXX XXXX Branch and spoke with a representative asking if their bank would allow garnishment of my social security and pension benefits from creditors or third-party debt collectors. I was told yes if they pay a fee of {$75.00}. I further explained that I am XXXX old and retired and my wife who had XXXX XXXX contracted XXXX in the XXXX time frame and with transportation costs, medications help cause hardship as I explained to Midland the debt collector also.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

This complaint is against Best Buy Credit Services- I have a credit card for Best Buy that is issued by Citi Bank. I was a victim of fraud in XXXX of 2021 and I asked my card to be closed and issued a new one. Before I got the replacement card, another fraudulent purchased was made with it. I called Citi Bank to close the account all together. They assured me that it was closed. 

I opened a brand new account for a Best Buy Credit card to not have the same issue. 

I just received notice of a late fee on the account that was closed due to a purchase that I made at Best Buy last XXXX. The account that was supposed to be closed never was and the purchase was charged to the closed account versus the new account. 

We were just hit with a late fee for the account that was supposed to be closed. 

We just spent an hour arguing with Citi bank about this. They admitted that the account was supposed to be closed. The rep ( XXXX XXXX tried to close the account and wasn't able to do so. XXXX 's demeanor was one to refuse to help or listen to our issues, as dismissive as someone can be. He was obviously just reading a script, which had the purpose to frustrate and not fix their error. Citi Bank is making impossible to close this account after multiple attempts. This is just like the fraud scheme that XXXX XXXX had for opening new accounts and not closing accounts for their clients. 

I was not able to close the account yet again. At this point I don't know what to do as I do not trust them to close my account. If they're doing this to me, they must be doing it to countless other victims.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

I have had 5 Chase Sapphire Reserve cards in the course of one month. Originally there was fraudulent activity on initial card. I have received four additional cards since that, all that get shut down because there is a specific fraudulent XXXX charge that has attempted to charge against each card. Now, and only now, on the 5th card is Chase saying that it might not just be a fraud issue. It might be an issue with a Visa program they have that allows the charge to follow each new card I get. However, they are unsure and they are unsure if the new card sent to me will also be hit with the same charge. If it is, it too will be subsequently shut down for fraud. 

The charge was fraudulent as I have not used XXXX in years. Moreover, why did it take until the 5th credit card to make this realization, if it is the issue? All I want is a card that is not shut down after two days due to the  fradulent XXXX charge. I pay {$450.00} a year for this card and the service is terrible.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc. (GA)

Trans actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business XXXX XXXX XXXX is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX XXXX XXXX and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. Its discrimination.