davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
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: JPMORGAN CHASE & CO. (CA)

I am submitting a complaint against Chase credit card regarding a dispute over a purchase from XXXX. On XX/XX/year>, I purchased an XXXX account from XXXX, and the transaction was posted to my credit card on XX/XX/year>, for {$840.00}. Initially, I logged into the XXXX account, and everything was functioning correctly. 

However, on XX/XX/year>, XXXX announced a platform migration from XXXX to XXXX. They provided me with XXXX login details on XX/XX/year>, but I was unable to log in or use the account on the new platform. 

On XX/XX/year>, XXXX communicated via email that they had paused operations at the end of XXXX and planned to relaunch on XX/XX/year>. Despite this, they did not restore my account. On XX/XX/year>, I received email confirmation from XXXX that they owed me a XXXX XXXX account, but they never delivered it. 

I created a support ticket with XXXX on XX/XX/year>, and they confirmed that the coupon they sent me was invalid and not working. 

I have submitted XXXX claims to Chase credit card to dispute the charge. The first claim was denied because I logged into the XXXX  account after the purchase, even though this was before the platform migration and shutdown. The second claim was denied because too much time had passed since the transaction, despite my efforts to resolve the issue promptly. Chase informed me that the merchant was not willing to credit my account and that the charge was valid. 

Despite my attempts to resolve this issue with XXXX and Chase, I am left without the service I paid for and no resolution. XXXX  has made false promises and has not provided any means to use the account I purchased. 

XXXX of Events : XX/XX/year> - Ordered XXXX account from XXXX. 
XX/XX/year> - Transaction posted to my credit card. 
XX/XX/year> - XXXX announced migration from XXXX to XXXX. 
XX/XX/year> - Received XXXX login details but could not log in. 
XX/XX/year> - Email evidence that XXXX paused operations in late XXXX and planned to relaunch on XX/XX/XXXX. 
XX/XX/year> - Email confirmation from XXXX that they owe me a XXXX XXXX account. 
XX/XX/year> - Created a support ticket with XXXX ; they confirmed the coupon sent was invalid.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

At XXXX on XX/XX/year> I received an email from Capital One stating that I had been approved for a Quicksilver credit card - one which I never applied for - and that the phone number linked to my account had been changed. I have never previously opened or had an account with Capital One - or had any credit cards with them. When I clicked the link to " view my documents '' in the email I found that an account had been opened using my personal email, my SSN, and my zip code. In response to this email I froze all of my credit reports with XXXX, XXXX, and XXXX and requested a dispute for the phone number that was not mine. I also called the Capital One customer support line and requested an investigation into the account and the credit card request for fraudulent activity which was submitted and is pending.
Consumer complaint received 2024-08-01
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. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've had XXXX XXXX XXXX XXXX XXXX XXXX for many years and rarely used it. Last year in XX/XX/2023 I opted out of receiving XXXXXXXX XXXX solicitations. I was not informed by XXXX that in doing so, they would cease sending me billing statements where I could see if I had a balance due and by when it was due to be paid. It was only until I received a notice from my bank, XXXX XXXX XXXX XXXX program alerting me to a missed payment, that I was informed of a charge on my XXXX card totaling {$28.00} being past due. When I reviewed by XXXX card account, I saw that they charged me a 100 % late fee for the missed payment and reported my account as delinquent/missed payment to the reporting agencies. I called XXXX, disputed the late fee, noted that I had no other charges on the card, have never missed a payment to any of my creditors, and had an outstanding credit score. I demanded that XXXX remove the late fee and retract the inaccurate reporting of me missing a payment, given that they on their own and without my consent stopped sending me account information - which they verified was because I opted out of receiving their marketing solicitations. They apologized and reimbursed me. I was told they have no way of retracting the misinformation they reported and RUINED my credit as a result.
Consumer complaint received 2024-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (FL)

I take great care of my personal finances. Earlier this year I realized that there is a new collection on my credit report that I did not recognize ( never had a collection account on my credit file previously ). I have never done business with XXXX XXXX XXXX or Wakefield & Associates. This medial debt does not belong to me & I have asked through mail ( debt validation ) of Wakefield & Associates to show me proof & they have not. It's been many many months of terror affecting my credit profile. This is my last step before I seek legal guidance. On top of that every month the balance seems to increase, with no statements, documents, proof of debt. They are illegally charging me interest rates on debt that is not even mine in the first place.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I noticed since XX/XX/year> that you have charged off my Capital One Silver Credit Card, but I never received a 1099 for the balance of {$1700.00} that you reported to the IRS. Could you please forward the 1099 to me immediately or update my balance with all credit-reporting agencies to zero? You will find my email address in the information section below.
Consumer complaint received 2024-07-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (DE)

I initiated a transfer through sendwave from the XXXX to XXXX for XXXXXXXX XXXX on XX/XX/year>. Transaction status states that the money was delivered. However, upon contacting the intended recipient, she confirms she never received the money in her XXXX bank account. I waited XXXX week before contacting sendwave customer service. I was informed that they would " begin an investigation to track the money and get back to me. '' Another week goes by and I still did not hear from any sendwave correspondence. It is XX/XX/year> and I have yet to receive a refund and the intended recipient has yet to receive the fund. Sendwave requested I send a copy of the recipient 's bank statement for that week the money was sent, which I did. Sendwave confirmed they received the copy of the bank statement, and confirmed the bank statement shows the recipient never received the funds. I have called numerous times after that and sendwave continues to tell me they would get back to me. They never do, and my money is still missing and never received by the recipient. My latest call to sendwave customer care yielded the same result, they stated " oh we sent you an email stating the case was resolved '' never received such email, case was never resolved as further inquiry on my end revealed the recipient never received the fund and it was never refunded into my bank account.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX I received notification through several credit monitoring services that I had a new inquiry on my credit report. Upon investigating through Capital One 's XXXX  Monitoring, I learned that Capital One had made a hard inquiry through XXXX on XX/XX/XXXX. I disputed the inquiry online through XXXX on XX/XX/XXXX and I also attempted to dispute the inquiry directly through XXXX the same day. XXXX told me i would need to get request a deletion letter from the creditor who had made the inquiry before they could dispute the inquiry. I called Capital One customer service to gather more information about the inquiry. Capital One told me they we're not able to see why my credit had been pulled and they " did not have that access and to call the credit reporting agency ''. The creditor who pulled my credit could not tell me why they had done so. Capital One 's website directly conflicts with this statement and says accounts and or inquiries done by Capital One can be directly disputed with them, however, they were no help via phone. On XX/XX/XXXX, I mailed two letters to Capital One explaining that I did not authorize a hard inquiry on my credit report and to please remove these as it was not done by me. These letters were sent to Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX Capital One Bank, ATTN : Loss Mitigation Dept, XXXX XXXX XXXX XXXX VA XXXX. I did not make a copy of these letters unfortunately before sending. Also on XX/XX/XXXX I froze my credit report with XXXX, XXXX, and XXXX. 

On XX/XX/XXXX, I received a notification that my dispute with XXXX had been resolved. Upon opening the report, it said the results are " inquiries are a factual record of file access and will remain on the XXXX credit file two years from the reported date of the inquiry. To repeat, I have not applied for new credit with Capital One. 

On XX/XX/XXXX, I received another alert from credit monitoring services XXXX XXXX XXXX and XXXX  ), the alert stated Capital One had pulled my credit report through XXXX. Again, this inquiry was not done by me. After receiving this alert I have placed an initial fraud alert with all three credit reporting agencies. 

I am worried my information has been compromised and a new account will be opened in my name. I have gone to extreme lengths to dispute this information and follow all the steps to protect myself. I have not received any help solving this matter from any credit reporting agency or directly from the Lender ( Capital One ), who has now pulled my credit twice with no explanation.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX last for of social XXXX URGENT!! 
This discrepancy, along with the unauthorized reinsertion of a previously deleted item without proper notification, constitutes clear violations of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), a consumer reporting agency is required to notify the consumer within 5 business days if a disputed item is reinserted into their credit file. I did not receive any such notification, which is a blatant infringement of my rights under the FCRA.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/year> received a text that stated BofA credit card had been approved. I called BofA and reported fraud because I didnt apply for a card. I find it odd that the credit card is being mailed to my residence. 

I researched and found that BofA has a history of opening new credit card accounts without customer consent and was fined by the CFPB.
Consumer complaint received 2024-09-19
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: Nelnet, Inc. (NY)

Student loan was taken out in my name without my permission. I contacted SCHOOL when I have received a letter in the mail went up to the school. Did a signature that they said wasnt mine did a affidavit report and a police report
Consumer complaint received 2024-09-02
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (KY)

In XX/XX/XXXX, I opened an account at the XXXX Macys store located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. During a purchase at the store, the cashier informed me that my previous account had been closed and asked if I would like to open a new one. Even at the time of opening that account, the store clerk did not inform me that I had an outstanding balance from a previous account. I agreed, and a new account was opened for me that day. 

In XX/XX/XXXX, I paid off my total balance of {$110.00} via check to the account ending in XXXX. The funds were withdrawn from my bank account on XX/XX/XXXX. However, in XX/XX/XXXX, I received a past-due notice from Macys stating that I still had an outstanding balance. 

I contacted Macys and filed a dispute, providing evidence that I had paid my account in full. The agent instructed me to fax the documentation, which I did on XX/XX/XXXX, and again on XX/XX/XXXX. I also sent emails with attached evidence to XXXX. Despite these efforts, the issue remained unresolved. I followed up on XX/XX/XXXX, and was given a case number, # XXXX. However, I have not received any clear resolution or communication, and my credit report has been negatively affected as a result. 

I filed a complaint with the Better Business Bureau and reported my dispute to XXXX and XXXX. On XX/XX/XXXX, I called Macys escalated response team and spoke with XXXX ( agent ID # XXXX ) and discovered that I had two open accounts as of XX/XX/XXXX. When I paid the account ending in XXXX in XX/XX/XXXX, I was unaware of a second account. The cashier who assisted me in XX/XX/XXXX did not inform me of any existing account, leading to this confusion. I had made XXXX XXXX of inquiries and calls and complaints and no one on their team informed me of this mix up. Even with all these efforts the company does not want to resolve this matter even when they have every recorded conversation and history of my repeated calls an inquiry on my behalf to solve this matter.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX is continuing to report false information on with all three credit agencies, I'm not reasonable for any debt or outstanding loan balance or reposition. please remove this reporting immediately from all three credit agencies or legal action will follow. I did give authorization for any to be placed in my name or on my credit profile with XXXX XXXX XXXX.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing with grave concern over the continued presence of fraudulent, inaccurate, and misleading information on my credit report, despite my numerous efforts to have it corrected. The existence of these erroneous entries has severely impacted my life, causing significant stress and XXXX. I must emphatically reiterate that I am a victim of identity theft and never authorized or consented to having this fraudulent information associated with my name and credit file.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX quoted that they will not remove the derogatory item on my credit report from XXXX XXXX. They failed to show the accuracy of my credit report. Therefore, the item should be removed due to the proof of accuracy on my credit report from all XXXX bureaus
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to file a complaint regarding inaccurate late payment entries on my credit report. Upon careful review of my payment records, I discovered these erroneous late payments listed, despite my accounts being current. Over 30 days ago, I submitted correspondence disputing these entries and requesting validation, but regrettably, I have not received any response or satisfactory resolution. I am respectfully seeking your prompt assistance in resolving this issue.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-04-23
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (OH)

I started a contract with XXXX XXXX XXXX XXXX XXXX who is a partner with Strategic Financial Solutions , LLC. This contract stated that this company would negotiate on my behalf to reach debt settlement with my creditors. While this is taking place, I am depositing a set monthly amount into a third party account managed by XXXX. I received an email by XXXX XXXX XXXX XXXX, XXXX stating that they are subject to a court order to which they can not negotiate debt settlements. Since they are no longer engaging in negotiations with my creditors against the terms of our contract, I would like a refund and a withdrawal from their services. However, I have not been able to reach them at their stated phone number of XXXX XXXX XXXX XXXX to request this refund and withdrawal.