davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Dear Sir/Madam Capital One made Unauthorized Hard Inquiry and i contact them to remove they didn't response my mail and i have a fraud alert on my Credit report with 3 agencies XXXX, XXXX, XXXX Inquiry date : XX/XX/2018 Inquiry date : XX/XX/2018 so i attached copy of my credit report with confirm unauthorized inquiry from XXXX Agency
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (NC)

My name is XXXX XXXX. This complaint pertains to a creditor identified as JPMCB Card Services within my credit report. 

On Thursday, XX/XX/2024, XXXX separate debt validation requests were submitted to JPMCB via US Mail and dispatched to the following addresses as they appear on my credit report and elsewhere : JPMCB Card Services, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, DE XXXX and JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX and JPMorgan Chase, XXXX XXXX XXXX, XXXX, DE XXXX. 

Duplicate copies of the above-referenced debt validation requests were also dispatched XXXX ( XXXX ) days thereafter, on Thursday, XX/XX/2024. These documents were also mailed to the following addresses : JPMCB Card Services, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE XXXX and JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX and JPMorgan Chase, XXXX XXXX XXXX, XXXX, DE XXXX. 

On Friday, XX/XX/2024, XXXX separate debt validation requests were again submitted to JPMCB via US Mail and dispatched to the following addresses as they appear on my credit report and elsewhere : JPMCB Card Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, DE XXXX and JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX and JPMorgan Chase, XXXX XXXX XXXX, XXXX, DE XXXX. 

Duplicate copies of the above-referenced debt validation requests were also dispatched XXXX ( XXXX ) days thereafter, on Monday, XX/XX/2024. These documents were also mailed to the following addresses : JPMCB Card Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, DE XXXX and JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX and JPMorgan Chase, XXXX XXXX XXXX, XXXX, DE XXXX. 

Unfortunately, I have not received any response from JPMCB Card Services.
Consumer complaint received 2024-05-07
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: Conn's, Inc. (TX)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (LA)

account not mine i didnt open account .  XX/XX/XXXX XXXX original creditor debt collection agency is Caine & Weiner .. On XX/XX/XXXXXXXX XXXX XXXX Iam XXXX years old i dont even watch cable account not mine..
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Credit bureau did not report my payment on my credit report for month of XXXX & XXXX. 
The credit bureau reported that I missed payment for the month of XXXX for my XXXX XXXX credit card which is inaccurate XXXX XXXX credit cards payment is paid. XXXX  payment is paid. Department XXXX payment is paid. XXXXXXXX XXXX XXXX XXXX is paid.
Consumer complaint received 2024-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

There was a fraudulent XXXX XXXX account opened in my name. Creditors were double pulling from multiple accounts unbeknownst to me. XXXX XXXX XXXX, I paid {$23000.00} XXXX {$16000.00} loan in just over a year. Capital One Auto I paid {$32000.00} on a {$26000.00} loan in XXXX months. When I requested XXXX authorizations with my signature, they sent me XXXX  emails that when opened automatically signed themselves with no option to decline, and were predated. 
Capital one Auto did not report XXXX separate payments that were for {$8000.00}, XXXX went to interest.
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NV)

On XX/XX/year> I made a wire transfer to recipient in XXXX XXXX thru Citibank, on XX/XX/XXXX they sent the money and on XX/XX/XXXX I found out that the transaction was a scam so I called Citibank to cancel and recall the wire transfer but they said that the money was released to the recipient which is unbelievable because it takes at least XXXX working days to release the funds to the recipient
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Holdings, LLC (TX)

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 To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within XXXX ( XXXX ) calendar days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of state of XXXX medical privacy rules XXXX 
I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP (NC)

Just got a collection notice/bill in the mail for a toll on the XXXX XXXX XXXX, where there is no posted or visible posted signs of toll or pay booth, not to mention I have a XXXX sticker which usually charges tolls directly to my credit card. Says bill is for a supposed violation on 2017 and just now im been made aware. Bill is for XXXX which includes toll plus added fees for non payment. How can I pay something I dont know I owe. I contacted the attorney/collection company disputing the charges with very little help. I contacted the XXXX XXXX XXXX co who referred me back to the collection co. XXXX reviews of this tunnel system is full of similar complaints. Most certainly something ought to be done about ir at the very least investigated about this company shady business practices. Im mailing a written dispute as advised by collection co w/ very little hope given by the rep on said agency. Definitely contacting the local news as well, this scam ought be known by out of towners, must definitely a scam
Consumer complaint received 2024-04-12
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2018-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX sent me a letter in response to my dispute regarding the validity of this account XXXX, ALSO two other accounts they have on file with the acct # shown as XXXX, but they sent me a bill WHICH IS NOT VALIDATION AND ONLY VERIFICATION OF AN ACCOUNT, addressed to an address that I have never resided as highlighted on my city of XXXX police department report ( attached ). also attached is the FTC report, and my 2016 tax returns showing my address at the time this account was created please remove this account from my credit report and correct the record, as I have sent several request and followed the law in providing this ID theft packet, which was also sent via certified mail with a return acknowledgement of receipt on your part.
Consumer complaint received 2024-05-07
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (KS)

On XX/XX/2024 and XX/XX/2024 a total of {$820.00} dollars was taken from my account without my approval or knowledge. I call Bluebird by American Express on XXXX XXXX to inform them of this. They confirmed the transactions I was referencing and they issued me a new debit card and said they would be investigating these charges and would get back to me with further information. On XX/XX/2024, I received an email from bluebird requesting that I fill out and return a declaration of fraud form which I returned via email on XX/XX/2024. I did not hear anything further from them until XX/XX/2024 in which I was informed by email that my dispute had been declined.
Consumer complaint received 2018-09-16
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: JPMORGAN CHASE & CO. (NJ)

My wife used our personal credit card ending in XXXX to pay a merchant XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, for services for a new business that she started. 

Once the business was established she requested the merchant to stop the services. 

The merchant has continued to bill my personal card despite our objections. 

We called Chase Bank to dispute the transactions, but they declined our dispute on XX/XX/2018. I called Chase on XX/XX/2018 to close my credit card account, but Chase rep advised me to request a change to the account number instead. However, the same merchant managed to bill my credit card once again. 

I called Chase once again, but they are unable to STOP any future charges from this merchant even when they are no longer authorized to do so. The merchant is not listening and continues to charge my card and Chase Bank is unwilling or unable to help. And they have stated that I will continue to be charged even after I close my account. 

At this time, I am at my wits end. Please help XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (KS)

I applied Wells Fargo XXXX XXXX Visa Card last week ( Application reference number : XXXX ), and they asked me to provide my visa status. I gave my XXXX XXXX information, and they pulled my credit. Today ( XX/XX/year> ) they denied my application with unknown reason since i have XXXX credit score! I want Wells Fargo to remove the hard inquiry from my credit report since there is no good reason to deny my application.
Consumer complaint received 2023-05-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION (MS)

I had a 15-month CD at Pentagon Federal Credit Union that matured on XX/XX/2023. I called the credit union to make sure the CD had a grace period. I was told on XX/XX/XXXX and also on XX/XX/XXXX that I had a 10 day grace period on the CD. So, I thought no problem, since I would continue earning interest. On XX/XX/XXXX, I requested to transfer the funds to another bank. At that time I was told the CD would be backdated to XX/XX/2023. I was not previously informed of this step, but I just assumed I would get 4.65 % APY interest for the 8 days the funds were in a grace period. To wire funds to another bank, I had to put the money into a savings account at Pentagon Federal. I preferred the premium savings account ( 2.70 % APY ). I was told that you had to get special permission to open this account and it was Friday and I did not have enough time left in my grace period to complete the required procedures. My only option was to transfer funds into the regular savings account ( .005 % APY ) that I had opened for initial membership. Once the funds were transferred to my Pentagon regular savings account, I only saw an additional {$.00}, surely this was not correct. Afterwards, I asked for the paperwork to read their procedures for myself. To my surprise, my CD did not have a grace period. Why didnt anyone tell me this at the credit union ? I depended on the spoken word of several specialists, saying that I had a 10-day grace period. If I had known that I didnt, I would have transferred the money at maturity. They should have said I had no grace period or we will give you a 10-day grace period with no significant interest. They are keeping quite a bit of interest on the 8 days that they backdated my CD. Pentagon Credit Union is planning to pay me .005 % APY ( {$5.00} ) on thousands of dollars, not the interest rate where the funds actually were. Are they telling everyone who do not read the fine print that they have a grace period? Afterwards, you are left to their procedure of backdating CDs and giving you as little interest as possible. Is this process legal?
Consumer complaint received 2024-05-07
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

I bought a couch at the Macy 's XXXX store in XXXX in XXXX of XXXX. The store told me there would be XXXX  interest if payments are made in full before the promotional XXXX year no interest date. 

I made monthly {$200.00} dollar payments. XXXX days before the promotion 's XXXX  year no interest deferment date, I pay off the entire balance left of {$1100.00} on XX/XX/XXXX. 

I confirmed with the Macy 's American Express representative that the balance was at XXXX, and there would be no deferred interest applied to my Macy 's credit card. 

She confirmed my account was at XXXX. 

Months later, I start receiving Macy 's bills for all the deferred interest. I contacted the Macy 's credit department again and spoke to a representative. I told her I paid it in full before the promotional XXXX year no interest deadline. She told me to just wait for it to drop next month. The bill did not update. I waited for the next month and the bill continued to reflect all the deferred interest. I called the XXXX XXXX XXXX department and told them this is paid off. I notified my credit and filed a dispute with XXXX and XXXX. The Macy 's balance seemed to be removed from my credit and reflected a XXXX balance. I thought everything was good. 

This year, I received a notice from Collections, saying I owed almost XXXX to Macy 's. This is not my fault. There is a lag time between Macy 's Customer Service Credit department and their Finance department. The account was paid in full, on time. I will not be paying any deferred interest and intend to take legal action against Macy 's to restore my good credit standing. Macy 's is negligent in updating timely payment transactions and causing me undue stress and ruining my credit. Bank statement with proof of payment is attached to this complaint.
Consumer complaint received 2023-05-10
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I sent my letter out on XX/XX/XXXX via fax to Capital one dispute department. I explained to the Capital One dispute representative that i had XXXX, lost a family friend and faced a financial hardship loosing my job due to the pandemic layoff and my personal condition. 
I even provided my XXXX XXXX XXXX to show that the times I had XXXX were in alignment with late payments. I also opened a credit card account with them with automatic payments set up so I could continue a more positive relationship with them. 

The Capital One & credit bureaus representatives told me if I provided a good will letter and supporting documents, then they would notify credit buraus and remove it from my credit report. Unfortunately, this was not fulfilled and capital one continued to report a charge off/collection. Because of this, my credit scores were impacted negatively. Negatively impacting my credit score after an attempted dispute is a violation of my consumer rights.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THIS ACCOUNT MUST BE REMOVED IN 4 DAYS. This account is not mine. Also, I never lived nor received emails in the address reported in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2014 XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

In XXXX, I helped my Aunt get a computer in a XXXX XXXX. Due to her declining health, she no longer knows how to operate a computer, so in XX/XX/XXXX, I got rid of her computer and " cancelled '' her subscription to XXXX. XXXX continued to bill me for 4 more years. No matter how I tried to cancel the subscription, it continued to be billed. Last year, I closed the credit card account the XXXX was being billed to. Unrelated, our family moved, so I have a new home address, phone #, and email address. In XX/XX/XXXX, XXXX billed me {$89.00} again. I did not recognize the charge notice from the credit card until XX/XX/XXXX, since I thought it was junk mail. In XXXX, I happened to open the letter and saw I was being charged for XXXX on a closed account. I called CitiCard and reported it as a fraudulent charge in XX/XX/XXXX. CitiCard denied the fraud claim in XXXX and referred me to XXXX. I contacted XXXX and after a long conversation, I received an {$89.00} refund ( full amount ). I got the CitiCard statement in XX/XX/XXXX, and the XXXX {$89.00} credit is there, but the fees and interest are still there in the amount of {$130.00}. I called CitiCard and they can not refund fees and interest on a closed account. CitiCard accepted a charge on a closed account, charged fees on a closed account, took a refund from XXXX on a closed account, but can not reverse fees and interest on a closed account. Please help me get the fees and interest charges reversed. Since my account is closed I no longer have the credit card and I do not have the 16 digit number. Statements don't have the 16 digit number, and credit companies will not provide the number over the phone.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to you once again to address the ongoing issue of fraudulent items on my accounts. Despite numerous attempts to rectify this matter, the fraudulent items remain unresolved, causing continued frustration and concern. 

This marks the fifteenth round of complaints I have lodged regarding these fraudulent items. Each time, I have provided detailed documentation and evidence to support my case, yet there has been no meaningful progress towards their removal. 

I demand urgent action to remove these fraudulent items from my records/accounts. I expect a thorough investigation into the origin of these items and a transparent process for their removal. Additionally, I insist on compensation for the distress and inconvenience caused by the prolonged existence of these fraudulent entries. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00}.