davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (FL)

Nordstrom has one account on my credit bureaus that belong to my wife. My wife has a negative payment history on this account, so I respectfully request its removal from my credit bureaus. My name is XXXX XXXX XXXX, my wife 's name is XXXX. I would be very appreciative if this account could be removed from my credit bureaus as an authorized user immediately, thank you. 

XXXX XXXX XXXX
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have never done business with this company nor have I ever entered into a contractual relationship with them nor have they ever provided me with goods or services YET they have reported their fraudulent trade line against my SSN to all the credit bureaus as if we have entered an agreement. Over a year ago I asked them to provide me with the contract I entered with them or a business agreement with my signature ( to validate the account ) and they have YET to provide adequate proof. They have provided statements that appear to be doctored. That alone is NOT enough to validate the legality of said debt. Nor does it validate that I AM the person you seek. Every month they re-age their fraudulent trade line against my SSN to all the major credit bureaus Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (MD)

I received a XXXX XXXX XXXX alert. I saw Hunter Warfield fraudulently placed a negative collection account on my credit report. I don't know this company and never had any correspondence from Hunter Warfield or notices.

There are no contractual agreement in place giving Hunter Warfield a right to collect any debt from me or report to the major credit bureaus.

Hunter Warfield is a fraudulent business with currently a XXXX star with XXXX review, XXXX star with XXXX, XXXX star with XXXX, and not even XXXX  accredited. Yet they can intrude on consumers credit report and harass consumers.
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

These charges were did NOT authorized and I reported the fraudulent activity to Cash App on XX/XX/2021. I reported the fraudulent activity to XXXX on XX/XX/2021 as well. I have alerts set up on my XXXX  account and was alerted by text and email on XX/XX/2021 about these 2 transactions. Since I did not authorize these transactions, I immediately opened a fraud claim. You will see that these 2 transactions were taken with 2 minutes ( XXXX XXXX  and XXXX XXXX  ) of each other until I did not have enough funds to process another transaction. 

After I saw that Cash App did not properly investigate my claim, I unlinked my account and deleted Cash App from my phone. 

I noticed in the information provided by Cash App through my complaint with XXXX  XXXX XXXX, the IP address in their documents does NOT match the IP address for my cell phone. IP address for my cell phone is XXXX. IP address provided in their documents is IP XXXX. Cash App should have performed their due diligence to find out who the IP address belongs to that initiated the transactions because then they would know transactions were NOT initiated from my cell phone and would not have reported to XXXX  that I authorized the transactions because I DID NOT AUTHORIZE THESE TRANSACTIONS. 

I did not authorize the payment through the cash app of {$500.00}. I do not know the person who the money was sent to. I do not know how the money was sent from my cash app account to this person. I contacted cash app to make them aware of the fraudulent activity the day it happened. I sent them screenshots showing the two {$250.00} transactions were not part of my completed history and the person was not in my activity. Cash App did NOTHING to investigate my claims based on the information I provided them. Cash App has several lawsuits because of this type of fraudulent activity.

Cash App did not investigate my claim in accordance with the Electronic Funds Protection Act after I reported the fraud. If they did, they would know the IP address that initiated the transfer does not belong to my phone and even the the email address of the person who received funds seems suspect, XXXX. Cash App XXXX is not taking my fraud case seriously. 

I have also raised a financial crimes division of the XXXX XXXX XXXX XXXX, case # XXXX. 

XXXX  issued me a temporary credit of {$500.00} for these fraudulent claims until claim could be investigated. Based on the data provided by Cash App/Square, XXXX reversed the temporary credit which caused my account to go into overdraft because Cash App claimed I authorized the transactions even after I sent Cash App evidence I DID NOT authorize the fraudulent transactions. If Cash App would have followed the guidelines of the Electronic Funds Protection Act, Cash App would know the fraudulent activity was not initiated from my device ( cell phone ).
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (OH)

I sent over the proper forms for Synchrony Bank ( Paypal Credit ) to put my account into involuntary unemployment insurance. 

They lost the paperwork the first time, and it seems like the 2nd time they haven't implemented the necessary information. This is a simple matter complicated by Synchrony, they have all the information they need.
Consumer complaint received 2020-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

Friday XX/XX/XXXX, I transferred {$740.00} to my cash app credit card, updated my bank card and banking account number and immediately after, my account became locked due to " unusual activity ''. The steps the cash app asked me to take was to email XXXX which I have Numerous times and the only response I have gotten is to allow 24 hours for them to unlock my account. It's now going on 48 hours with NO resolution. They have no phone number to contact them other than a directional phone number on how to use the cash app ... the app has {$570.00} hostage and the app won't allow me to use it! I am unable to send any more messages to the email address provided by the company because they say I've sent too many. PLEASE HELP! The website is a scam and I just want my money so that I can get off that app for good!
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a Capital One Credit Card ( XXXX ) in which they offer Cash Rewards every time you spend and pay. At one point during the pandemic we could not make a payment since I did not have a job, they did call me and inform that my Credit Card will be froze due to non payment despite me complaining that I am jobless. However, today I am fine and I paid the minimum and promised them we will start paying. They told me on a recorded line that once the payment is posted {$110.00} we can then use our CASH REWARDS that we earned towards the amount we owe, but that is not the case. Now when I called them back after payment successfully posted they said that we are not able to use since account has been frozen. We do not want to use the credit card but want our cash reward which we earned fairly. 

Amount in cash rewards {$150.00} Last posted successful payment {$110.00} I was told on a recorded line by ( 2 ) capital one agents, one by collections and other by rewards program department that we can redeem cash back on XX/XX/2021.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

i have recently put a identity freeze on my report because of fraud there is an account in collection in Experian that is reporting in collection the creditor name is " XXXX XXXX '' i believe that this is in regards to a medical bill, but i have not seen any doctors this years. i tried calling Experian to let them know this but no one got back with me
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I refinanced my loan and United Wholesale Mortgage was paid in full on XX/XX/XXXX aka date of closing. I have an excess escrow balance due me of {$3800.00}, 3 weeks have gone by and they still havent mailed my check to me. When I called them they wouldnt tell me when it would be mailed. What can I do?
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I have a Chase Sapphire Reserve credit card. I have been a customer of Chase since XXXX. I was charged a late fee for missing payments for the month of XX/XX/XXXX and XX/XX/XXXX. I have always been enrolled in autopay since XXXX. I called up their customer service team and they found that autopay on my account got disabled due to technical issues on their system. The customer service agent re-enabled auto-pay and my payments went through. The customer service agent also reversed late fees and interest fees on my account. However, he failed to update the payment history. This has been getting reported as a missed payment to credit bureaus since XX/XX/XXXX. I recently got my credit report in XX/XX/XXXX for a rental application and found this reported missed payment. I called Chase credit services team on XX/XX/XXXX and they reviewed my account and the notes on my interaction with the customer service agent on XX/XX/XXXX and found that the agent failed to update my payment history. They agreed to fix this issue and send the updated status to credit bureaus. 

I pay {$450.00} as the annual fee for owning this credit card and availing Chase services. Their failure to report the correct payment history to the credit bureaus impacted my credit score significantly which led me to pay more on mortgage rates, insurance premiums and my rental fees for the past 3 years.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Both XXXX as well as XXXX XXXX have violated my rights within the Fair Credit Reporting Act. They resubmitted debt on my credit report without any additional information provided. As protected under the FCRA section 611 I demand that this information be deleted from my report immediately. 

XXXX XXXX XXXX XXXX XXXX I feel that since the beginning of the pandemic, the FTC has not taken corrective action against creditors to protect consumer rights. Please protect my rights by deleting the following information from my report.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (FL)

On XX/XX/2021 I called capital accounts to see why I have a medical debt collection and they did not give me any validation of debt I also asked them to send me information of the debt and they said they don't have that information. I ask to remove off my credit report immediately.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (SC)

Yesterday, XX/XX/2021 I was informed my Charles Schawb Checkings account with a balance around {$5300.00} was locked due to fraud suspicions I made a call twice provided my identity said I was cleared and the fraud department would be emailed and would reach out and today XX/XX/2021 I called again I got the same response nothing different and I havent received a call back or any emails
Consumer complaint received 2020-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

Navient says I owe over $ XXXX dating back to 1986 I asked for proof but no one sent me information about the loan. 

The Federal loans were {$2500.00} each year, how did the balance go to over {$52000.00} I have been out of college since 1986 ... don't even know if they were mine ... 


My father paid for the school for me over 35 years ago ... 


No help from them at all
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has continuously violated my rights as a consumer by reporting information that I never gave my permission to report ( violation of 15 usc 1681b Permissible Purposes ), they have also denied my right to privacy ( violation of 15 usc 1681a Accuracy and fairness of credit reporting ) by reporting items that should not be included in my consumer report in the 1st place. This is also a violation of of the exclusions section of the Fair Credit Reporting Act ) This is the 2nd time I've had to bring this to their attention. The 1st time they did nothing but I will continue to report these violations and pursue the damages owed to me until they've remedied the situation by deleting the requested information off of my consumer report.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 I was scammed for {$500.00} dollars. I was supposed to view a place and was told that money was needed to be deposit to see the room. The scammer then goes on to send me fake picture of the room and said that it was required to put money down to see the room. I reached out to the seller and told them I felt pressure by them to send money when I have never seen the place. They then went on to threaten me stating if I don't put something down that I'll lose my original deposit of {$200.00} for the application. I was forced into sending {$500.00} dollars and when I arrived to the apartment, everything was broken and filthy with bugs and dirt 's. I then immediately contacted Wells Fargo and open up a claim with them. A few days later, they sent a letter stating that they will not help me and denied my claim. I then tried reopening the claim and stated that I have written text messages document of the scammer stating that they scam me and Wells Fargo refuse to look at the document and reconsider opening up my claim. On XXXX XXXX, I called Wells Fargo claim department and was told that even with my supporting evidence, they would not look at my claim.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX, I made an installment payment to XXXX XXXX for a new HVAC system at our home using my Capital One credit card. Today, XX/XX/XXXX, I checked my card and saw that I had been assessed a " cash advance fee ''. I spoke with an agent who told me I needed to call the other company ; have a representative 3-way on a call with Capital One and confirm that's what happened, and then, he would refund the fee. 

When I called back to do that, I spoke to a 2nd agent who told me the fee could not be refunded although I had done everything the previous agent asked including have a representative from XXXX XXXX on the line. I requested my concerns be referred to a supervisor. I explained everything to her. I was put on hold and when she came back, she said she agreed with me and would support me, but she could not remove the fee although she knew it was not a cash advance. 

I asked what did I have to pay to stop the daily accruing interest. She advised the minimum due plus the amount of the charge plus the fee. She also advised even after paying those fees, I would still be charged an additional day of accruing interest and would see it on my next statement. That's when she offered that she was noting a lot of details on my account in case it would be needed. 

For the record, Capitol One charges 28.99 % interest on cash advances ... significantly more than the interest charged for purchases. That is why I had to pay the minimum charge plus the total amount of the charge to XXXX XXXX as well as the associated cash advance fee.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2021-08-18
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 (PA)

On XX/XX/2021, I received a notification from the Capital One app indicating purchases had been made on XX/XX/2021. As I did not recognize these purchases, I first, check the website to verify the information where I found five fraudulent charges totaling {$550.00}. All charges were made on XXXX/XXXXXXXX between XXXX and XXXX in downtown XXXX. I live over XXXX miles away in the north suburbs. I immediately called Capital One to report fraudulent charges. The representative reviewed charges, closed the compromised card and issued a new card. I received confirmation letter from Capital One dated XX/XX/2021 but information was incorrect as only three charges were included. This was followed by a second letter dated XX/XX/2021 stating that no fraud was indicated and charges would be billed back to my account. I called on XX/XX/2021 to inquire about the reason for the decision since there was no information included. I was informed that the chip had been used for in-person purchases at all locations leading to the decision no fraud had taken place. Additionally, since the chip had been used, I was informed that this would become a dispute resolution. Not knowing the nomenclature, I assumed more investigation would be conduct. I also informed the representative that I had video evidence from my XXXX XXXX showing me at home during all timepoints the fraud was committed. Capital One provided a secure link to upload screen captures from videos which was completed on XX/XX/2021. Finally, I received notification dated XX/XX/2021 that part of my claim had been denied because I failed to initiate a return with the vendor. I can not initiate a return for merchandise I did not purchase nor am in possession of. At this point, I can only assume this will be the decision with all five fraudulent charges. 
On XX/XX/2021, I again contacted Capital One to provide explanation and relief. I was provided another secure link to upload information including screen captures from my video evidence showing me at home. This was completed on XX/XX/2021 along with a fax sent to number provided from letter dated XX/XX/2021. I am now in receipt of a letters indicating Capital One has closed it's investigation and charged my account for the fraudulent charges. 
Ultimately, this is a case of fraud and NOT dispute resolution. I can not return merchandise nor provide receipts for transactions that I did not make. Additionally, I have been told by Capital One representatives that fraud involving chipped cards being cloned, copied, or hacked is impossible. A simple XXXX search returns XXXX articles and XXXX XXXX videos indicating it is not impossible.
Consumer complaint received 2021-08-18
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: Richland Bureau of Credits Medical Service Bureau Inc. (OH)

I am a vicitim of identity theft I have contacted XXXX multiple times supplying them with a certified NOTARIZED police report from the XXXX Texas Police Department. I have also contacted the FEDERAL TRADE COMISSION submitting a FTC identity theft affadavit concerning the Fraudulent acitvity that needs to be deleted from credit report. I have contacted the furnishers ( XXXX XXXX XXXX XXXX ) / ( RBC COLLECTION AGENCY ) to notify them by law that the accounts opened under my personal information were all done without my permission and needs to be immediately deleted. 


1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$110.00} 2. RBC {$350.00} opened XXXX XXXX original creditor : XXXX XXXX XXXX 3. RBC {$180.00} opened XX/XX/XXXX original creditor XXXX XXXX XXXX FRAUDULENT INQUIRY XXXX / XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MI)

I sent a letter regarding inaccurate and unknown addresses and incorrect payment history on my credit report. I have not received any response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.