davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

equifax has violated my rights again. Equifax is reporting all missed payments across all supposed accounts as double late payments : for example. if there is a 30 day late payment, they report it as 60 if it's 60 they report 90. why is that. this is the case for my closed student loan accounts XXXX XXXX and so on. I can provide credit reports from XXXX and XXXX  if need be
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DIGITAL FEDERAL CREDIT UNION (CA)

XXXX has reported that Account ending in XXXX has a 30-day late payment in which they agreed to correct XX/XX/year>. This information was updated with all 3 credit bureaus, only for XXXX to continue to report false information on my XXXX credit report. On XX/XX/XXXX XXXX reported this false information and again on XX/XX/year>, they have reported this false information after initially fixing the issue. XXXX needs to update their system and stop reporting this false information. This account was never late as stated in attached document!
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (LA)

My information with XXXX has been breached and here is the proof and the reuse to delete these accounts XXXX XXXX XXXX Account # XXXX {$13000.00} Midland Funding Account # XXXX {$710.00} Midland Funding Account # XXXX {$690.00} XXXX XXXX Account # XXXX {$430.00} XXXX XXXX Account # XXXX {$2300.00} So please delete these accounts
Consumer complaint received 2024-05-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo closed my small business line of credit on XX/XX/XXXX WITHOUT notifying me that all rewards points would be eliminated. The rewards points ( XXXX ) were worth ~ {$1200.00}. After attempting to redeem the points on XX/XX/XXXX, I was dismayed to learn that all accumulated points had been eliminated. I called Wells Fargo multiple times and sent a formal complaint only to receive a phone call the week of XX/XX/XXXX stating that all rewards points had been cancelled and there was nothing they could do. I explained that NO notice was given regarding elimination of earned rewards benefits and that they were stealing from me. After the call ended, I called WF back and elevated the complaint to the 'executive offices ' but have received no further communication.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I received an email inviting me to take advantage of balance transfer options. Four options were available ( two for 0 % and two for 1.99 % ) all four need between XXXX and XXXX of XXXX. I have been a longterm chase customer and have more than one Chase account. 

I selected the 0.00 % transfer option ending XX/XX/XXXX when the website asked for the card security code. When I looked at the card, I realized that I had not received a new card for this account and the one I had expired in XX/XX/XXXX. This account remained active and I just paid my annual fee on XX/XX/XXXX. The replacement card had been sent to an old address. 

I called customer service and requested a new card be sent. The representative told me my old card would need to be cancelled for security purposes and that I will receive a new card with a new number. She also stated all benefits transfer tot he new card. 

I looked back into Chase to complete my balance transfer and the website stated my card did not have any promotional offers. I called and spoke to a representative who told me balance transfers to not transfer to replacement cards and that I would need to wait for a new offer. I fit this unacceptable, as the agent should have informed me of this prior to cancelling my old card and/or completed the balance transfer prior to doing so.
Consumer complaint received 2024-05-10
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)

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 : CAPITAL ONE XXXX
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

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 : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I did not receive a validation letter or any other communication from the collection company MIDLAND CREDIT MANAGEMENT and yet I just found out on my credit report that I have a major derogatory mark as of XX/XX/2023 because MIDLAND CREDIT MANAGEMENT reported to credit reporting agencies as a Debt Buyer of {$1000.00} which I had no opportunity to dispute since I was not contacted by the MIDLAND CREDIT MANAGEMENT and now it is marked on my credit report as overdue for two months ( XX/XX/2023 and XX/XX/2023 ).
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (GA)

Dear Sir/Madam, I am writing to file a formal complaint against Citibank regarding their handling of an international wire transfer I initiated with XXXX XXXX XXXX XX/XX/2023. I wired funds to XXXX XXXX XXXX 's account with XXXX XXXX, XXXX XXXX in XXXX, for the purchase of an apartment in XXXX. Citibank was the intermediary bank. However, to this day ( XX/XX/2023 ), the money has not been received by XXXX XXXX, XXXX XXXX ( the final bank ). I have had numerous back-and-forth communications with XXXX XXXX regarding this issue , and in attempt to get back my hard-earned money. However, XXXX XXXX places the blame on Citibank, advising that it is Citibank that is holding on to my money. Initially, I was told this as because they were conducting an investigation ; the nature of that investigation has never been explained to me. Further, XXXX XXXX has stated that Citibank has consistently ignored their messages regarding recalling the money. I filed a formal complaint through your office ( Complaint ID XXXX & XXXX ) against XXXX XXXX on XX/XX/2023 and XX/XX/2023, respectively. I called the XXXX XXXX XXXX XXXX on XX/XX/2023, and requested them to reopen the case after they had written that they were closing the case, and by implication I should accept the loss of the money ( {$33000.00} ). A XXXX XXXX representative advised me to contact Citibank directly, in spite of knowing that I am not a Citibank client. 
I believe both banks have acted egregiously and in bad faith, with little interest in recovering my money. Due to this months long delay, I am uncertain about being able to purchase my apartment as agreed upon with the seller. I also risk being penalized for late payment. This has caused me considerable emotional distress and anguish. XXXX XXXX and Citibank have yet to provide a clear explanation as to why my hard-earned money is still being held and not returned to me. I suspect that the banks are ignoring me and not taking my complaints seriously, possibly because I am a minority. The mismanagement of this wire transaction demonstrates a profound sense of arrogance and disregard for professional courteousness. Therefore, I am seeking a full refund of the wired amount ( {$33000.00} ), as well as compensation for any additional expenses incurred as a result of Citibank and XXXX XXXX egregious negligence. I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter sooner than later. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ADP Inc. (CA)

I lost my card XX/XX/23 and requested a new one from that day ADP wisely said I should receive the card within 10 business days WHICH I NEVER DID RECEIVE. So to start from XX/XX/23 to XX/XX/23 I had about {$7500.00} taken out of my debit card with over 35 transactions in those days and my company wisely ADP did not stop or detect any fraud. I called them and disputed all those transactions in which they made me fill out paperwork and send it back to them. I sent them as well a letter we received from the United States postal inspection service stating that mail was stolen from our facility and to lock our accounts and to call credit unions since it was stolen. ADP WISELY sent a letter in the mail with a final resolution on the case with NO detail information on why they denied the claim as well as no reason or proof why they declined it. I called the dispute departments and they would not help me or have any information and would place me on hold then abruptly the call would hang up. I even gave them my call back number and they did not reach out to me.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Theres been fraudulent activity on my account that I reported even with police evidence, however chime still cited with the scammers, and allow the fraudulent activities to remain on my account Ive lost {$1000.00} so far Im switching my payroll as we speak and closing my account f
Consumer complaint received 2024-05-10
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 (IL)

am writing to bring to your attention a concerning issue regarding unresolved disputes on my credit report. Despite filing several disputes, these items persist on my report without my consent, causing undue distress and potential harm to my financial well-being. 

I have diligently followed the necessary procedures outlined by the Fair Credit Reporting Act ( FCRA ) to dispute inaccuracies on my credit report. However, despite my efforts, these disputed items have not been adequately addressed or removed, as required by law. 

The persistence of these disputed items on my credit report not only affects my ability to secure favorable financial opportunities but also undermines the integrity of the credit reporting system. It is essential that credit reporting agencies uphold their responsibilities to investigate and correct inaccuracies promptly and accurately. 

I urge the Consumer Financial Protection Bureau to intervene and ensure that my disputes are thoroughly investigated and resolved in accordance with the FCRA. Additionally, I request that measures be taken to prevent similar occurrences in the future, thereby safeguarding the rights of consumers and maintaining the integrity of credit reporting practices. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of accuracy to my credit report
Consumer complaint received 2024-05-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc. (IA)

I alway check my credit report with XXXX, XXXX XXXX and never has issue with collection claims. 

I never receive a call, letter in mailing from this company Amsher Collections until when i recieve a notification from XXXX XXXX, XXXX about collection account which impact my credit. 

i never has a relation with this company and they never call me to offer a negotiation but they send this information to the bureaus entities to hurt my credit score affecting me to request an eduction loan. 

please remove this credit report from all three or more entities bureaus then I could apply again for eduction loan. 


This company never notify me to have the opportunity to dispute the charge or negotiate. 

I try to call and respond to a woman. When I asked, she asked me for information about who the company is, the reports, the amount, and the date. I also requested that I give her my debit card to charge {$2.00} USD to get the report from the bureau ... then this was weird to me and a scam. 

They don't follow the normal procedure that make all collections companies when a client has small issues. 

in addition, do you think that i will allow to affect my credit score with a collection report for an amount which has been reported instead of pay in full please fix this and report this company for bad procedures which affect me right know.
Consumer complaint received 2024-05-10
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: JPMORGAN CHASE & CO. (CA)

My chase slate XXXX  card opened in XX/XX/year> or XXXX. In XX/XX/year> I was at the gym and someone stole my wallet I had multiple cards inside and thought that I contacted everyone I realized my chase slate XXXX  card was maxed out and I didnt have the card to make the purchases. I called them and they said they would review it and about 90 days later I received a letter stating I received benefits from the charges and I am responsible for them and they doubled my balance on the card. I dont understand how am I responsible for charges I am telling them I didnt commit when I have no history of lying to them. My card says XXXX fraud liability and if Im telling them I didnt use the card or make those purchases why are they trying to make me liable for them I never received a benefit from any of those fraudulent purchases because it was not me
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XX/XX/year> I entered into a long term hardship program where I was informed each month my payment would be automatically withdrawn from my account then in XXXX I also called requesting to pay the balance off company refused because I was on the hardship program then charged my account off in XXXX witch is inaccurate because they were supposed to be withdrawing payments on the plan and spoke with company requesting proof and phone call reviews they refused to help or review calls when they say all calls are recorded.
Consumer complaint received 2023-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial (IA)

Last fall, I moved to a new house and didn't have my own mattress. I was looking for a cheap mattress and I found out that XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, Iowa sell a mattress at low prices. I saw the Adversite and it said they sell queen mattresses starting at {$150.00}. I thought that was cheap. On XX/XX/XXXX, I decided to see the mattress in the store. They didn't have a mattress with the brand that I wanted which is called XXXX. I was kind of pressured to buy a queen mattress there so I bought one that cost me {$900.00} and I decided to pay through installment loan until XX/XX/2023. That date is the early purchase option deadline. I had to pay off {$900.00} by XX/XX/2023, or I'll have to pay double. 

I tried to pay it off before XX/XX/2023. I paid the full amount left off before the deadline. But somehow, this situation messed it up. Between around that time, I paid it off. I got the email that someone tried to use my card at XXXX which isn't in my town so I knew it wasn't me. So I called the bank about it and they suggested I get a new card number. So I did. Somehow, once they canceled my card and ordered a new card. It automatically canceled the payment I paid for the mattress loan. 

I didn't think about it until later. I checked the loan they said I still owe them money and they continue to take my money off from my balance. I was very stressed at that time because I didn't have enough money to keep paying for it and I couldn't ask anyone to help me pay for it. Because I also pay for my own car monthly. My car monthly was around {$500.00} a month. 
So I called the loan company which is Koafafi. They were pretty rude and I was upset, I tried my best to explain my situation. They said they couldn't do anything about it. They said it was my fault that it was canceled and I didn't change my card information. They told me I didn't pay on time, but I did. They said I still need to pay them the rest amount. I told them I couldn't afford that time and I was struggling mentally and financially. 

A few months ago and this month, I called the XXXXXXXX XXXX XXXXXXXX customer service about it and they said they need my information like Full name, phone number, city and state, and email address and they will call me back soon. I tried and called them twice and they never call me back.
Consumer complaint received 2023-05-10
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. (TX)

I have contacted the credit bureau XXXX XXXX to let them know that the public record that they are reporting on my credit file does not belong to me. They are reporting a bankruptcy for someone with the last name spelled XXXX, my last name is spelled XXXX. Please remove the inaccurate record from my credit profile I am attaching proof of the spelling of my name which shows proof that the file doesn't belong to me.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MD)

I was a victim of XXXX Abuse by my roommate. I lived in a threatening and hostile home environment. I reported 3 XXXX XXXX XXXX to the XXXX  and received a XXXX XXXX XXXX. I paid all of the utility fees for the 3 months and 5 days that I shared the dwelling. On the XXXX of XXXX, I paid the rent, sans the parking fees as I do not owe a vehicle, of a little more than {$3500.00}, which my roommate refused to pay. After continued harassment and fear of my physical safety, I contacted XXXX for XXXX XXXX XXXX DC, to seek assistance in XXXX care. They accepted my case. I spent the next three months couch-hopping because of my safety concerns. XXXX XXXX XXXX continued to live on the premises until XX/XX/2023, without paying rent, parking space or utility bills. I received an unitemized collection notice from Hunter Warfield, today, XXXX XXXX.
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (TN)

1. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

2. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

3. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

4. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

5. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose JXXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report.
Consumer complaint received 2023-05-10
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: ENCORE CAPITAL GROUP INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX You are in Direct violation of The Fair Credit Reporting Act Midland Credit Management has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc. (CO)

XXXX closed my account on XX/XX/2024 and withheld the balance on my account.It has been XXXX days now and I have tried to communicate with them via phone and email but they have not responded and I suspect they are holding my funds with malicious intent.