davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MA)

I am filing a complaint against LVNV Funding LLC regarding discrepancies in the information reported on my credit report. The reported balance for an account is listed as {$730.00}, with a date opened of XX/XX/2023. However, this information appears to be inaccurate or inconsistent with my records. The incorrect reporting of this balance and the account opening date is causing inaccuracies in my credit report and could negatively affect my credit score.

This issue represents a violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors and furnishers of credit information to ensure the accuracy and completeness of the data they report. Specifically, under 15 U.S.C. 1681s-2 ( b ), furnishers are required to investigate and correct any inaccuracies reported to credit bureaus. The discrepancies in the reported balance and account opening date by LVNV Funding LLC fail to comply with these requirements, compromising the accuracy of my credit profile.
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (AL)

I filed a complaint against Wellsfargo because I wanted them to look at how they treat customers/ consumers. Who contact them for assistance we waited two months while XXXX said that she would investigate. When she called me today she started the conversation off with. The young man who had received the case from the escalation department was correct in XXXX findings. She said that it is our responsibility as a consumer to know when and how much our insurance companies will charge. For the new year next Even though Wells Fargo gets the information before we do. And they say that they will do an escrow analysis every year. Without us asking for one. Yet again I've left speaking with someone from this company.

Feeling like we were and have been the problem. That everything that happened was our fault. Im leaving feeling in my heart and believing that there are more people out there being treated poorly. Lied to given the wrong information. I'm disappointed and pray that there are enough people who have been affected like we have. That it will cause the justice department and congress or to step in and ask them to treat their customers better. And correct those areas that seem to be problematic. Wells Fargo is a big corporation but they work for their customers. I would have loved for them to show more compassion. And approach me better. And stop blaming the consumer.
Consumer complaint received 2023-04-07
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 (NY)

I am seeking your assistance to have Capital One Bank refund the amount of XXXX XXXX XXXX XXXX and XXXX XXXX  and XXXX XXXX  ( {$1100.00} ) plus interest that I have paid to my account. The amount is for unauthorized transactions made on my credit card. The bank has refused to refund my money claiming that their research found insufficient evidence of fraud. This claim is unfounded because my credit card is always with me, and I never used it or gave it to anyone else to make any of these purchases. 

These transactions are completely outside of a spending pattern that I have maintained for the past XXXX years, additionally the spending pattern ( please see attached ) is synonymous with fraud. I called Capital One on XX/XX/2023 and requested the time of day that these transactions took place as well as evidence showing that the XXXX chip on my credit card was used. Capital One also refused to provide me with this information. Capital One is trying to evade their responsibility of being negligent for allowing these transactions to be charged to my credit card. They should be held accountable for their negligence.
Consumer complaint received 2024-08-12
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Shermeta Law Group, PLLC (MI)

This is not my debt. I did not sign any paperwork agreeing to this debt. There is a co-signer listed on the debt that is now deceased. In XX/XX/XXXX I received a court summons and called the company to find about the debt and requested more information. I was unable to even find out what the debt was for. They told me, via recorded phone call, they would stop all collections immediately. A week later they had a judgement against me. It was only after this date that they sent paperwork. This violates debt collection law. Additionally, this debt, that was not mine to begin with, originated in XXXX in Kansas. I live in Michigan. This is past the 6 year statue of limitations either way. I also have documentation from the lender that shows a balance of XXXX as of XX/XX/XXXX so their own documentation establishes that this debt has been paid in full.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (ID)

At XXXX XXXX  on XX/XX/year>, someone made an unauthorized transaction of {$200.00} at the XXXX on XXXX XXXX XXXX XXXX, XXXX, ID. I was XXXX  at the XXXX  reserve at XXXX XXXX XXXX XXXX, XXXX at this time and received a text message fraud alert from Chase Bank. I checked my email and also had a fraud alert message. At XXXX XXXX  XX/XX/XXXX, I called the fraud line at Chase Bank to cancel my card. The representative asked if the card was lost and verified the surrounding purchases. Since I was XXXX, I wasn't able to verify that the card wasn't in my possession until XXXX. The representative canceled the card and submitted the claim. At XXXX XXXX, I made it back from my hike and realized that my card was not in my possession. Back tracking, I last had it in my possession at the XXXX on XXXX XXXX XXXX in XXXX around XXXX XXXX  XX/XX/XXXX. On Tuesday XX/XX/XXXX, I received a digital copy of a receipt from XXXX in the dollar amount of {$200.00}. This happened because my debit card was connected to my XXXX account. Anytime that debit card is used, XXXX provides a receipt of the purchase. The receipt showed that a {$200.00} gift card was purchased. It also showed that the PIN was bypassed by running the card as a credit sale. XXXX does not use tap to pay so the chip was inserted. On XX/XX/XXXX, I learned that Chase denied the fraud claim. I called to learn why and to appeal the decision. I was told they weren't able to confirm unauthorized use. On XX/XX/XXXX, I went to the Chase Bank Branch on XXXX XXXX in XXXX Idaho. The branch consultant said to fill out a police report and submit it to the Chase fraud claims department. I contacted the XXXX Police Department and completed a police report regarding the stolen debit card. This report was submitted on XX/XX/XXXX. On XX/XX/XXXX, Chase again denied the claim. When I called on XX/XX/XXXX, the claims department said the reason was too technical to explain. They also said they do not consider police reports as evidence. On XX/XX/XXXX, I also contacted the loss prevention team at the XXXX to obtain XXXX  camera evidence that I was not the purchaser but did not receive a response. I am providing all evidence, including location evidence that I was not at XXXX XXXX XXXX XXXX at XXXX XXXX  on XX/XX/XXXX. I did not authorize this purchase and do not have possession of the debit card that was stolen. I would like Chase to reverse their decision and return the {$200.00} in funds to my account.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX Chapter XXXX Bankruptcy XXXXXXXX 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 XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

To Whom It May Concern : I am writing to you today as a customer of Citi Bank since 2007. In this period I have never, once, updated my card agreement with Citi and have always paid in accordance with the agreement ; however, in the last year or so Citi Bank has been applying an APR to my account of 29.24 % which is not congruent with the card agreement we have in place. 

The maximum rate justified under the terms of our agreement, as adjusted by the applicable index, is 11.74 %. 

Citi Bank should not be able to unilaterally increase a rate beyond the contours of the contract, especially not by 249 %. 

Please investigate Citi 's non-conformance with their contractual obligations, and redress. 

Best, XXXX XXXX
Consumer complaint received 2023-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SandP Solutions, Inc. (CA)

on XX/XX/2023 I was doing my online banking and making credit card payments when a flashing/flickering window popped up on my laptop screen saying do not turn off your computer, your computer has a threat. a number appeared to call immediately and I called because I never saw this before. the person that answered the call stated I was being hacked and my finances were at risk, he asked for my personal information and the amounts of my bank accounts, how many credit cards I have. I said I had about {$4900.00}, he said oh it's {$4000.00} you have available. Per his request, I gave him the name of my credit card and balances, and amounts available to use. He said that {$3500.00} was going to be withdrawn from my checking acct in two hours and I needed to take the money out to protect it from the scammer who was using it for XXXX  XXXX subscriptions, if the government would find out then I could get caught and even would go to jail. Gave me a case # XXXX and I was to follow two steps for this hacker to avoid remove the money and to let the government it's not me. XXXX ) I went to my branch, XXXX took out XXXX, deposited for " only verification '' {$2000.00} in a bitcoin machine at XXXX XXXX XXXX, NC. XXXX, {$1400.00} in another, the first one got stuck at XXXX XXXX XXXX, NC. XXXX. I was supposed to get the money back into my bank account or new account in a few minutes, since it is weekend, Monday is the day to have the transfer. I went home and told my son, immediately he told me it was a scam. I should've told him but I was afraid and wanted to resolve this issue. I called this person and did not answer XXXX. My heart ached and started crying for being naive and stupid. I should've known better. I called bitcoin several times, no answer, I left messages, i emailed them too. I called my bank and I was given educational information on how to prevent this to happen in the future. I contacted the 3 credit report bureaus to freeze and protect my identity. I changed my passwords, I am using double authentication for my online accounts. I feel sad and upset. I have heard of these scams and bitcoin money, but I didn't think it would happen to me, not in a million years.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

I have multiple transactions that were fraudulent adding up to XXXX dollars. My dispute was denied as these transactions were a similar pattern of other transactions. These transactions were not me. They were fraudulent. Its my VENMO debit card.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (MD)

I deposited a check through the ATM of XXXX in my business account on the XXXX of XXXX. I didn't use any fund until the XXXX of XXXX. I did a couple of transactions and on the XXXX my card declined. In my head I waited 2 days for it to clear so I assumed the funds cleared. Unknown to my knowledge they put a stop hold on the check and every transaction that I made after the alloted funds they allowed me to use they charged me XXXX dollars. They allowed me XXXX dollars to everything after the XXXX they charged XXXX, which was in three separate transactions. I didn't know until on another transaction XXXX XXXX which was declined, which triggered me to call in and that's when they told me all of this. They said they sent me a notification. Banking is supposed to be clear communication so they should of declined all transactions after thy XXXX and sent me an email. On the XXXX I had to call the manager XXXX XXXX who opened my account to release the funds because she knows me. This is high way robbery. They should declined all funds instead of making it feel like the entire amount was allotted. Notifications should not be sent to notify about funds especially in a business account. They are taking away from my income.
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (VA)

Please see attached dispute, Investigative Consumer Report Irregularities and Discrepancies in Violation of the Fair Credit Reporting Act | Experian Information Solutions , Inc. | Report No. : XXXX Dated XX/XX/year> XXXX
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Driveway Finance Corporation (FL)

For several months, the account DRIVEWAY FIN ( XXXX ), which refers to a repossession, has been reported on my credit history consistently, being a significantly negative aspect for my finances. This vehicle was repossessed ; however, this repossession was carried out without notifying me in advance, which is something I still have not received information about. If it was taken back by the creditor, they continue to report an outstanding balance equal to my last payment, which is perplexing for me since the repossession should have counted as coverage for the debt. I should have been notified if it was auctioned or not, but this has not been clarified. I filed various disputes with both the credit bureaus and the creditor at the time ; however, I have not received any response from them, which has forced me to submit this complaint. I consider it unfair and a violation of my rights that this account is negatively affecting my credit when the circumstances were triggered against me. Additionally, I must say that the account is reporting inaccurate and incomplete information among the three credit bureaus, which amplifies the number of violations of my rights. Upon researching my case, I found that the company is infringing sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 
15 USC 1681n : failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX Doing Business In Ohio As XXXX XXXX De XXXX has obtained a debt from a Capital One bank. The original debt that was placed on my account was for {$1300.00}. The account was deleted from my credit report for being fraudulently opened. I informed XXXX that I am not responsible for this debt. I never opened a credit card with Capital one bank. I was a victim of identity theft in XXXX. They sent a letter dated XX/XX/XXXX stating that I owe {$1600.00}. The letter states that a judgment was obtained against me or certified in XXXX XXXX XXXX on XX/XX/XXXX demanding payment. If I dont respond within 15 days then they will begin to garnish my wages. I spoke with XXXX and they would not set up a dispute resolution for me.
Consumer complaint received 2024-06-24
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. (MA)

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 2024-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NY)

ON XX/XX/XXXX i enter into a contract with chase auto. to make a long story short I overstand what the federal reserve act section 16 explains when it comes to application & promissory note. so with that being said on XX/XX/XXXX AROUND XXXXXXXX XXXX I SENT MY FRIST NOTICE CERTIFIED MAIL ON XXXX XXXX AT XXXXXXXX XXXX  SOMEONE SIGN FOR IT. SENT OUT ANOTHER LETTER ON XXXX XXXX AT XXXX. ON XX/XX/XXXX AT XXXX XXXX SOMEONE SIGN OFF FOR THE MAIL AGAIN.LAST LETTER SENT ON XXXX XXXX AT XXXX XXXX. ON XXXX XXXX AT XXXX SOMEONE SIGN OFF AND ONCE AGAIN NOTHING FROM XXXX XXXX XXXX. NOW I HAD RECEIVED A LETTER FROM CHASE ABOUT MY LETTER FROM SOMEONE WITH THE FRIST NAME XXXX REFERENCE # XXXX I WILL JUST ADD THE DOCS SO YOU CAN READ IT HE IS NOT THE CFO I OVERSTAND THE FEDERAL RESERVE ACT, THE BILL OF EXCHANGE ACT, CONSUMER CREDIT PROTECTION ACT
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

In the morning of XX/XX/year>, I get a call from the banker that help open my new chase account which is about a week old. He called to ask if I submitted a request to close the checking account to which I answered no. He then proceeded to ask me to come into a branch office where I opened the account to try and fix the issue. When I get there he calls the fraud department to see what was wrong ( he said he tried doing this without me present but the fraud department requested I be in the branch office if I want this issue processed ). After the call, the banker ( I believe his name is XXXX from the XXXX chase bank branch near XXXX Washington ) said that he put in the notice with the fraud department that I did not authorize my accounts closure. He also mentioned that since I got my social security recently, this XXXX have and I reiterate MAY HAVE caused the issue but he wasnt too sure. He also said that in about 24-48 hours I should be able to use my account. I did also mention to the banker that my direct deposit from work comes in near midnight of the seventh of XXXX and he told me not to worry and that it should be fixed by then. Today is the seventh of XXXX and my checking account is still pending closure. I called back the banker and he said hes not sure why it hasnt been fixed yet and told me to contact customer support if I want more information. Later that day, I proceeded to customer support to an agent who couldnt understand the situation I was in. I escalated the call to get a supervisor and he said that even he doesnt know why my account was closing and that he will put a notice so that tomorrow, someone will call me to see if they can fix the issue. My direct deposit comes in tonight and I have bills to pay which Im being denied to do even after being my checking account should work today.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (FL)

Jefferson Capital Syst XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX According to Statue 15 USc 1692 C If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must see all communications.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : CITICARDS CBNA XXXX XXXX