davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

My info was stolen through the XXXX breach per their own website. My account was effected. Ever since I've had over XXXX inquiries and half a dozen accounts opened under my name. I need this removed immediately on the grounds of identification theft. I have absolutely no clue who's account that is not have I ever done business there.
Consumer complaint received 2023-12-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (GA)

I repeatedly requested my account be closed. As of this date my account remains open. 
I made a payment for XX/XX/2023 for fear I would be charged late fees and penalties Please close my account immediately. 
Please submit on time never late payments to the credit bureaus.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One first emailed me on XXXXXXXX  about a new account opened in my name and with my email address, with also the phone number and account asserted to be verified. The information about the account described in the email included " XXXX XXXX ; XXXX XXXX XXXXXXXX ; Routing number XXXX ''. 

I tried calling the fraud telephone number, but no one picked up, there was no operator option, and there was no option for me to assert the account was fraudulently opened. I emailed Capital One at the email address identified on Capital One 's website to report fraudulent activity. Capital One sent an immediate auto-response, but never followed up. Capital One continues sending emails asking me to add funds to the account. I have repeatedly emailed the address to report the fraud, but still with no response or action from Capital One. 

I do not use Capital One. I did not request an account. And I do not want this fraudulently opened account to affect my credit score or result in any other form of financial or creditworthiness penalty. 

Please help me to close this account and remove all references if it in my financial and credit history.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (CA)

I am writing to bring to your attention an issue I have been facing regarding my credit report. I have previously submitted disputes for certain accounts, but despite my efforts, these disputed accounts have not been removed from my credit report. 

I initiated disputes with the credit reporting agencies, I have attached copies of the dispute letters I submitted. Despite following the proper procedures, the disputed accounts continue to negatively impact my credit score. 

I kindly request your assistance in investigating this matter and facilitating the removal of the disputed accounts from my credit report. 

I understand the vital role that the Consumer Financial Protection Bureau plays in ensuring fair treatment of consumers, and I am hopeful that your intervention will help resolve this issue promptly. If you require any additional information or documentation, please do not hesitate to contact me. 

I appreciate your attention to this matter and thank you in advance for your assistance.
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

My account was charged off and sold to Midland Credit Management. Midland Credit Management has become the servicer of this account. As a result, all payments and correspondence should be directed to : Midland Credit Management XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Michigan XXXX ( XXXX ) XXXX Midlandcredit.com If you have any questions about this account, please contact Midland Credit Management at ( XXXX ) XXXX and speak with XXXX of their specialists for assistance.
Consumer complaint received 2023-10-28
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  account # ending in XXXX from Equifax and account ending in XXXX from XXXX and XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  account # ending in XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 601 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I asked Capital One weeks ago before i filed this complain, to refund me 4 charges related to fraudulent transactions made by two different merchants in XXXX, XXXX where i am at the moment staying due to Business, Merchants are Jumbo Supermarkets and XXXXXXXX XXXX XXXX  as they charged my debit card, later told me card was not read and i had to pay cash at their stores, later finding out the charges were made, i even provided CapitalOne with the requested receipts and additional documentation that proves that even the receipts show Payment made in cash yet CapitalOne comes in a phone call i made to them yesterday XXXX XXXX, 2023, ( because i did not heard from them even on an email or anything since i placed this charge disputes ), with a bunch of excuses and lies of information that was not provided to me by them, saying they wont issue a refund because I Paid in cash, also the Representative who took my call, tells me in a very unprofessional attitude and tone to better take my Money to XXXX XXXX or other XXXX if they refunded me in the past for fraudulent charges, as answer because i told him before how irresponsible CapitalOne is with clients that keep their business moving, ended the call refusing to refund me this unfair and fraudulent charges, as its my right as customer not having to pay double for products and services.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (UT)

I contacted the company because I keep seeing them negatively affecting my credit score. After speaking to two representatives they both told me that I need to contact the credit bureau to get this resolved since there is no account under my full name, phone number or social on their records.
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: SANTANDER HOLDINGS USA, INC. (WA)

XXXXXXXX XXXX XXXXXXXX, Washington They where sending me emails texting me tell me they have a special program with Chrysler capital to get a first time new car buyers loan with Chrysler capital for a XXXX XXXX XXXX used with XXXX miles on it in XXXX with flat tires and barley any oil in the motor!. Three quart low on XXXX XXXX motor oil for a XXXX thats why it sounded like a diesel because it was almost out of oil. 
So I had a XXXX XXXX XXXX XXXX XXXX XXXX door loaded with {$3000.00} down as a down payment and they never added any of it in the contract like they said they would do and the special program was a scam you into a car loan with them at an untold amount of interest rate!. After a wile a towing company called me and asked when I was going to come pick it my XXXX out of XXXXXXXX XXXX XXXX XXXX. I asked what happened they told me the car was involved in a car accident while it was under my name under XXXXXXXX XXXX XXXX policy that was canceled!.
Consumer complaint received 2024-01-15
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. (PA)

Credit report agency continues to report incorrect information and is improperly reporting per FCRA. Identity theft had been recorded with social security, federal trade Commission, attorney general, etc. As a victim, the agency is required to instantly blocked transactions within 4 days ( 15 USC 1681 ( C ) ( 2 ) ) and 5 days ( 15USC 169 ( G ) ( A ) ) to validate debt with proof. It has been over six months dealing with this fraud. 
All communication must be USPS no phone calls will be taken.
Consumer complaint received 2023-09-20
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. (AZ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: 4M Collections, LLC ()

Hi, during my vacation in my sisters and parents place, I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My hospital bill amounted to XXXX, due to lack of money, I applied for government financial assistance. But a debt collector sends me a bill to my sister 's address in the US, where I stayed. I have no money to pay the bill and I'm already here in the XXXX. I already sent an email to them that my application for the financial assistance was still on process and request for them to allow my sister, who was living in XXXX, XXXX to speak and act on my behalf. But no response from them and my sister tried to contact them thru phone but she was not entertained because she was not me.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX OF XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One has violated multiple USC 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2- 433.3. Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

Start as XX/XX/2022 to XX/XX/2022. I had wire to XXXX account in the City Of XXXX XXXX, California XXXX. To invest in XXXX total amount is {$140000.00} from two banks. {$120000.00} from Union Bank ( which is sold the business to US Bank now and {$20000.00} from XXXX XXXX. So many time, I requested return these wired, but it failure. I request to use bank protect to solve the situations but they refused. They said that the beneficial bank wouldn't reply and said that " nothing we couldn't do and close all these files ''. 
I went to the banks wire them to XXXX account and transfer them to XXXX wallet, from here the scammer ( s ) withdrawal my fund. The scammer ( s ) who is located in the XXXX wallet, keep directed me around with all these fault information, I was put my trusted in them, because they are work big name Companies beside they have these account high tech to communicate ( they should registered ). 
After I requested to withdrawal my fund, they asked me to pay for the capital gain tax too. I was confused because I made any profit yet. They keep push me to send more money in to release my principle. I had to get the loan from my business and all credit cards that I have as that time. After all the trouble. I could not able to withdrawal either. After few days they block me shut the website down. 
I believed these Companies should protect the customers not these scammer ( s ). And help me to solve my situation and catch the scammer ( s ) These Companies who had all this licenses to operation and protect the customers NOT the scammers. 

Sincerely XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. ()

There were two fraudulent charges made on XX/XX/XXXX for {$53.00} and XX/XX/XXXX for {$35.00} by XXXX XXXX. 
I reported to Chase credit card for review on XX/XX/XXXX and I was told not to make a payment. 
Since then I have called Chase for update 6 times and nothing has been done. My online account has been blocked and receiving emails for past due payment which is hurting my almost perfect credit score ( XXXX ). 
I have been living overseas since XXXX and very costly to make international calls. They continuously tell me to wait 48 hours for review but its been 3 months of waiting. Please help me resolve this issue with Chase credit card. Thank you very much
Consumer complaint received 2023-11-01
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. (FL)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Chase advertise about 5 % APY on CD account, so I opened one on line funded from my saving account, but after the action, the account show 0 % interest rate, then I went to the local branch to figure out why, and it turns out there is a small footprint of needing associated checking account only. 
since this does not make sense, I tried to let the banker to help me to correct this. and I was informed to wait 7 days. 
but 7 days later, my CD account is freezed, and my XXXX funding shows XXXX Balance and while my save account has already been cleared of the fund, and no one in the bank knows where is my XXXX balance.
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIRST PORTFOLIO SERVICING INC (AZ)

A number of XXXX ( XXXX ) XXXX called and stated they were an out of court mediator that I owed a debt of {$560.00} and that if I didnt pay it would send a process for a judge and lien and garnishment. They stated I would have a warrant out for my XXXX  if I did not comply. They called me several  times a day and when I asked for proof of debt they said they could not give me anything as they were not the original creditor and could not give me any documentation until after I paid. They said that XXXX  be taking me to court and the fees I would have to pay to keep me from going to jail or have it garnished after they were done. I said I needed to know the proof was mine because I didnt see it on my credit report. When I told them I couldnt and wouldnt pay until the debt was mine they called me XXXX  times in a row to berate me and tell me why would you lie. They said the name was XXXX XXXX but no website ( we are in XXXX  ) and they said they didnt need a website and this was the only line they had. They didnt have any identifying info they could share. They call me about XXXX daily
Consumer complaint received 2023-12-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

My signature card funded account which they still took my debits and gave no credits for debits and credits I wan na see full accounting both sides of ledger they will not show. XXXX loans not in excess of XXXX ajar interest fees and charges are permitted. Anything under XXXX I should not pay for trade of essential goods and services to a natural living man. You took all my deposits I had XXXX accounting since I opened account in XXXXYou are civilly liable to me usc 16404 ( 1 ) 15 usc 1611 its a right for me to have unlimited credit and you continuously have denied me an extension of my credit I want a return of my credit applications I have a right of recission. Or we can split it whatever amount you have made on my application half n half I need equity. U had no right to close my deposit accounts and take my deposit if my account is fdic insured it says every acct is fdic insured not only for bank failure but your failure to disclose your selling my securities every time I apply for credit breach of fiduciary duty
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

Chex Systems have me on my Credit Files on 3 credit Bureaus as owing XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and I do n't have nothing owed to them. These accounts was cleared up back in XXXX & XXXX of XXXX and my bank informed me it was showing as a debt owed and there is not one owed. 

I have call them and got the run around they was mailing me something to this matter and there is no real answer from Chex systems
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I signed up with XXXX payment services in XXXX of XXXX to process credit card and ACH payments for my online business. From the very beginning, I asked the representative on the phone, XXXX XXXX, if there were any monthly fees associated with my account and she said there were not. I encountered issues with their invoicing system as soon as I started using it. I reached out to the representative, who put me in contact with their tech support. Tech support was not able to resolve the issues I was having so I decided to move away from this service all together. I processed a total of XXXX transactions with Heartland before moving away. In XXXX, I noticed I was billed an additional {$20.00} on top of the fees from my XXXX transactions. Then in XXXX and XXXX I was charged {$20.00} even though I process no additional transactions. I called my original representative, XXXX XXXX, who said she would contact XXXX XXXX and get the issue resolved. I never heard back from either representative. Then, in XXXX of XXXX, I was billed the same {$20.00} plus an additional {$150.00}. When I called to ask about this, customer service told me the additional {$150.00} was for a reporting fee. I also called both XXXX XXXX and XXXX XXXX and left messages for each. I have yet to hear back from anyone.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

on XXXX XXXX i got a statement from American express for XXXX i call them and ask why they say is the annual fee so i tell them to cancel they offer me another credit card with no annual fee i accept it but they did n't told me the fee is not totally cover i still need to pay for XXXX until i got the monthly statement i found out i still owe it i call customer service to cancel the credit card they say ok ask them the account is clear the guy say yes but this month i got the another statement they say i still owe that amount i call them they say they never told me that.