davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
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)

Date : XX/XX/year> XXXX XXXX : {$230.00} at XXXX XXXX in XXXX CA. 

Regarding security concerns with Chase credit cards. 

Recently, I experienced a concerning situation with my Chase Sapphire Credit Card. Even though, I had the physical card on XX/XX/year>, on the same day within an hour, my card was used physically at two locations 150 miles apart, as per Chase I have made both the transaction. 

But I have only made one transaction and another transaction is a fraud transaction. 
As per Chase, as I did not report all the transaction on that day as fraud, they will not accept my fraudulent request, and they claim the card was used physically at both the locations by me, which is practically impossible. 

And their tone has been like I am lying about the situation, and I have made the transaction. But in reality, I have never been to XXXX XXXX or XXXX CA, in my entire life. If required, it can be verified by my location history. 

However, Chase declined to reverse the charges. Every time I call them, they delay it saying, they will investigate it again in 15 days. Also, they do not agree on sending all the information via email. 

I asked if I could communicate with the concerning decision-making person to understand the technical aspect in decision making, but they denied by request. 

I feel this is a serious security concern with using the Chase Credit Cards.

Additional questions I have are : - Should the Chase investigate how the same card can be physically present at different locations simultaneously?

- How can the customers provide proof that they didn't make certain transactions?

- Instead of being honest, should customers consider reporting all transactions on the same day as fraud to avoid situations like this? 
- What if this transaction was a huge amount?
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (ME)

This issue is with Capital One over a disputed charge. 

On XX/XX/XXXX  I booked a rental car from XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX. The charge was for {$440.00} on my Capital One Venture card. On XX/XX/XXXX I arrived in XXXX XXXX, and long story short - the company wasn't able to provide me with a rental car and they never refunded my money. There was some issue and they had accidentally overbooked cars. They added my name to a list of XXXX people so they could call me if one became available, and they never called. I ended up getting a rental car through a different company and when I was back from my vacation, I first tried calling XXXX XXXX XXXX gave it a few hours of being hung up on and being passed around via a non-human phone-tree before I gave up. I obviously wish I had read reviews of this scam company before giving them any money. 

On XX/XX/XXXX I called Capital One and they refunded the charge temporarily while they filed a dispute with the company. Just recently ( XX/XX/XXXX ) the refund was reversed and I was charged the full {$440.00}. I've called Capital One several times now and jumped through every hoop they've given me - timestamped phone calls with XXXX, names of customer service agents I've talked to, and as much proof as I can that I never got what I paid for and I was scammed. But ( as of XX/XX/XXXX and XXXX ) I keep getting a vague response about why the claim can't be processed and I need to take it up with the merchant myself. Which, of course, I am unable to contact the merchant, by design. 

Honestly, in 5 or so years I've never had any issues with Capital One before and I'm beyond surprised about this terrible customer service. It seems crazy to me that they'd risk a years-long customer over charging back a {$440.00} scam transaction. And as far as the one agent that kept pinning the blame on VISA  ... I work in the financial industry and I know that is not correct.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (AR)

I had 12 charges to my card on XX/XX/2021 from a XXXX account using XXXX XXXX  to send money to another XXXX channel. These charges were not made from my XXXX account or my XXXX account.. there is a very clear list of charges that date back further so i can prove that. I have also never sent money on XXXX with XXXX XXXX so its not even something I do. These charges happened after i went to sleep i believe XXXX ish. I didnt notice them till a few weeks later because my email linked with the card gets a ton of articles and sale notices so i get like 30-40 emails of nonsense a day sometimes. I disputed this because ive had my card stolen from businesses who use foreign processor usually a few times a year because they do not disclose what cc processor they use, and I have never once been denied and this one is classic fraud tactics ton of small charges thru intermediaries funneled XXXX channels. I was not provided any information and I even disputed this thru XXXX who came back with unable to confirm fraudulent activity ... makes no sense the card was used from another account and they did not provide me with any details of why their investigation ended in a denied claim. Didnt get told who actually used it or who they sent it to, and I have no further way to follow up with XXXX.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NY)

On XXXX i downloaded an app with a free trial. I downloaded, signed up and canceled the app trial all within 5 minutes. I was then charged {$160.00} instead of receiving the free trial. The company of the app told me I need to have XXXX process the refund. XXXX denied the dispute so I went to my bank. My bank is telling me they have not received anything from XXXX and It doesnt not look like I will win. XXXX is telling me they have sent the notice to my bank to process the refund. As a result of this I have spent over a month trying to deal with it and XXXX refuses to release that proof to me or reach out to my bank. I will be more than happy to reorganize and send all the documents if wanted.
Consumer complaint received 2023-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I sent my fraud report to these companies, letting them know that it was not me that applied on those inquire reports and they still have not done anything about it. I would like these reports investigated and removed once they find out its not mine or I will have to sue them for this inconvience.
Consumer complaint received 2023-04-19
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: WELLS FARGO & COMPANY (GA)

A made a deposit to a car dealership to pre order a vehicle for {$3000.00}, at the time of deposit I was told it was refundable. XXXX weeks later something occurred in my personal life that required me to come up with additional funds, as I tried to get refund back, I was told it was non refundable. I have processed a claim with Well Fargo. I never signed a clause, contract, nor terms and condition policy with this dealership stating the parameters. I received the receipt ( attached below ) that doesnt show or state any guidelines I was told refund was refundable and now Im being told otherwise.
Consumer complaint received 2023-09-25
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. (FL)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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: Hunt & Henriques (CA)

This debt is XXXX XXXX  old 2003 a credit card with my ex husband. They just sent a wage garnishment from the courts. I am XXXX XXXX XXXX on social security and a government pension which are both exempt. How are they allowed to do this with a XXXX XXXX old debt. I believe they are a scam company.
Consumer complaint received 2023-09-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (PA)

Applying for the loan required a shipping and mailing address. My mailing address is a XXXX XXXX XXXX to unreliable and un-secure postal delivery. The application would not accept a XXXX XXXX XXXX mailing address. I submitted and got the loan but now I am afraid I XXXX not get billing information. 

I called the company and informed me that company policy does not allow for a XXXX XXXX XXXX a mailing address. They are setting me up for failure when I don't get anything mailed to XXXX XXXX address. I believe I should be able to have mail sent to my mailing address even if it is a XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems , Inc has reported a collection account to my consumer credit file. I do not owe this alleged debt. If Transworld Systems , Inc has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. I never received a letter of validation regarding this alleged debt. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Transworld Systems , Inc is attempting to collect. Transworld Systems, Transworld Systems , Inc has no legal right to attempt to collect a debt. Transworld Systems , Inc has not validated this debt nor sent me a notice of collection. Transworld Systems , Inc is in violation of the FCRA and the FDCPA.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I recently reviewed my credit report and reached out to credit bureau to advise of incorrect accounts on my report. I provided them that dates and information are inaccurate and not my accounts and requested for accounts to be removed. Also, requested documentation on accounts. Not only were accounts not removed but they didn't send any information to confirm how investigation was completed and how they determined accounts were accurate. The deliberately are breaking the law and these accounts are inaccurate and need to be removed asap.
Consumer complaint received 2021-08-01
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. (WI)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me. 

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID
Consumer complaint received 2023-08-29
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. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name XXXX as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MN)

Paypal credit was selling our accounts I had ordered 97 orders from XXXX XXXX orders never tracked anywhere and I never got all the items. 
Paypal instead of helping me locked me out of my account and then sold my account to Synchrony bank. Before The Bank Bought the debt I told them I have a active dispute with them dont buy my account till this is done they bought it anyhow. So I have no ''way to get to my info on Paypal because of there fraud and this place sold my debt to XXXX and that debt collector that XXXX used served me with a fake lawsuit on top of every other thing he did wrong calling my phone 25 times a day. Never sent proof of debt and under MN Law he voided the debt. So XXXX  sells it back to the Bank and now the bank thinks they can keep trying to collect a debt that is no longer owed.
Consumer complaint received 2023-10-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company (TX)

On XX/XX/XXXX, my home caught on fire and I contacted my mortgage for a loan modification or a hardship plan. During that entire time I have been sending in documents that they had requested and they were continuously rejected for one reason or another. 

On XX/XX/XXXX, my home sold at auction without my knowledge. That same day I called my mortgage company and they assured me that my house had not been sold and that they were still working with me on a loan modification. That was a lie. 

I had previously been and the forbearance plan due to Covid, and I resumed payments shortly before my house had caught on fire. 

For months, Freedom Mortgage told me that they were working with me in regards to modifying my loan. When I brought up the foreclosure, they assured me once again that my home was safe, and that they were still accepting my paperwork. 

When it came time to mail important documents, they were sent to the wrong address, and I never received them. 

Rejection letters were sent out weeks after they assured me my paperwork was accepted and I was given false information.
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (GA)

Dear XXXX, I consider this matter to be of utmost seriousness and respectfully request that all communications be conducted in writing via the Consumer Financial Protection Bureau complaint portal. Once again, I explicitly do not authorize any telephone contact. In my previous correspondence, I have provided documentary evidence detailing the dates and times of your phone calls. I have attached an updated copy of that report for your further investigation. Should these communications persist, I must emphasize that they may constitute harassment under the Fair Debt Collection Practices Act, and I retain the right to pursue appropriate legal actions to ensure compliance and protection of my rights. 

Please provide verification of your claim, by providing me with true and certified copies ( Not photocopies ) of the Deed of Assignment ( NOT Notice of Assignment ) and Deed of Novation. Please also provide me with the name of the individual who is the duly authorized representative from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ), who has seen the Original Note and is certifying these assignments as certified copies and that XXXX XXXX XXXX, XXXX ( XXXX, XXXX ) now has the Original Note ( Credit Agreement ) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account. Please also confirm the name of the individual who is the duly authorized representative from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ), who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 
Please provide this information and documents within ten ( 10 ) days from the above date, so that I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms : that you are a third party interloper ; you have no legal standing ; no first-hand knowledge of this matter ; your claim is fraudulent ; any damages I suffer you will be held culpable ; you agree to pay all fee schedules ; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter any further. 

Should you provide adequate evidence that I owe your organization any outstanding amount and that you have been properly assigned to collect this debt, I am willing to settle any verified claim in full. 
Yours sincerely