davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
Product: Credit card or prepaid 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 (MD)

XX/XX/2020 Mr XXXX XXXX XXXX CEO & Chairman Capital One Financial Corp XXXX XXXX   XXXX XXXX XXXX VA XXXX Re : Searching for Refund Credit {$62.00} Dear Mr. XXXX : After spending 1 hour and 25 minutes on the phone on Friday XX/XX/20 with three [ 3 ] different customer service associates [ to no avail ] I am contacting you in search of your assistance. 

On XX/XX/2020 I received a refund credit from a merchant. I have attached a copy of the Refund receipt. 

As of XX/XX/2020 the refund credit has not been applied to my credit card account [ number ending in XXXX ]. 

During my elongated conversations with your customer service associates an associate initiated a three-way conversation with the merchant who confirmed, and your associate acknowledged, that the refund credit had been processed on XX/XX/2020. 

Please forward to an experienced associate who can research and apply the credit to my credit card account. 

Since the merchant has confirmed the credit has been processed, and I have not received the credit, it would appear that at this point that Capital One has been unduly enriched by funds that rightfully belong to me. 

Thank You in advance for your anticipated prompt response. 

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Cc : Consumer Financial Protection Bureau
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (MD)

on XX/XX/XXXX shortly before midnight my Ally Bank checking account had a charge posted to it - pending - for {$1800.00} from " XXXX XXXX '' in XXXX, XXXX. It completely wiped out the money in my account. I called Ally Bank immediately and told various representatives about the fraudulent charge. They said they could not help me until it was posted. I asked that they put a fraud alert on my account and cancel the card which the charge came through. They said they would handle both. On XX/XX/XXXX when I checked my account in the morning, the charge was gone. And my new debit card arrived yesterday XX/XX/XXXX. But a short while ago my account was charged again {$1800.00} by " XXXX XXXX '' in XXXX, XXXX! And it posted! I called Ally Bank and asked how this could have happened - I have a new card, there was supposed to be a fraud alert on my account - it was a charge from the exact same scammer! My account is now hundreds of dollars below zero and Ally Bank says it needs to investigate the matter and they do not know when I will get my money back! This never should have happened a second time! I need urgent help please. Thank you
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MD)

I keep getting these updates from collection agencies that I do not owe at all this is under the law 15 usc 1681 XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} Lvnv funding llc XX/XX/XXXX {$920.00} XXXX XXXX XXXX {$860.00} XX/XX/XXXX Lvnv funding llc {$470.00} XX/XX/XXXX Lvnv funding llc {$450.00} XX/XX/XXXX All these are reporting opened accounts but they are closed and its tarnishing my character and Im trying to purchase a home and cant do so because they are reporting false information about me
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I received a call from chase bank ( which I later learned the phone number was manipulated ) and a man asked me my name, confirmed my card number, and stated someone in NY was attempting to purchase {$900.00} worth at a macys which I said I did not authorize they asked for my pin which I did not give and hung up immediately. I called chase to see if they called me to which they said they did not. I received suspicious emails shortly after from a fake chase email which looked legit and I did not respond. Shortly after I noticed XXXX wine withdrew {$2400.00} from my bank account at a chase atm in XXXX XXXX. I called chase to report the unauthorized transaction and they froze the account sent me a new debit card and they didnt credit me my stolen money back. On XX/XX/XXXX I called chase and they stated the claim was closed I immediately asked how and they said someone used a digital wallet to steal my money theh credit me the money back and on XX/XX/XXXX they took the money all back and Im left with {$30.00} in my bank account. Ive been a chase customer for over 10 years. They said they closed the claim and took my hard earned money back because the criminals used a pin to access my money. They refuse to pull up footage at their own branch which would show its not me. Chase bank are thieves and dont back up their loyal customers nor protect them from theft. I have nothing now I never gave my pin our no one accessed my phone I was hacked and they could care less.
Consumer complaint received 2023-08-03
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. (NY)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-09-13
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. (MD)

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

It's disheartening to note that these companies have failed in their legal obligation to address these disputes, as required by law. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm having trouble with the bureaus resolving an issue with a charged off account. I have contacted all 3 credit bureaus about the inaccurate information being reported on my credit report. The bureaus all came back with XXXX Bank being updated and/or resolved, but XXXX XXXX is still reporting inaccurately on my credit report. It's a closed charged off account reporting monthly.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX ( YOU ) are reporting accounts without written permission! I never gave any consent to report these accounts. All reporting agencies ( XXXX, XXXX, and Transunion ) are showing this harmful information to my consumer report. How did you all get my information! Someone is illegally sharing my information ( the financial institution ) 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

How did XXXX get my information if I never authorized this!? 

Section ( b ) Financial institutions safeguards ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and My information has been exposed! You have caused me harm & danger. 
Who gave you all access or was there a breach!?
Consumer complaint received 2023-09-13
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (DC)

I purchase a Vanilla Gift card on XX/XX/XXXX. The card has no expiry. The recipient tried to use in XX/XX/XXXX, and he was unable to use it. He called the customer service on the " back '' of the digital gift card on XX/XX/XXXX, and they informed him they would refund me for it. I can see that there they have zeroed out the {$100.00} balance from the gift card, but I have not yet received a refund. When I called them, they told me that the recipient has to call them to " verify '' certain information in order for me to be refunded for my purchase of the gift card. I have since been on hold for 30 minutes after I asked to be escalated to a manager. Based on online reviews of this company, I don't anticipate they will resolve this for me.
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (TX)

They never provide any information provided to them that proves a account actually granted to me. Once again! XXXX XXXX gave someone a phone and services using my identity in New York. I never lived in New York or opened any accounts in New York but XXXX is saying I did but will not provide any proof that it was me. Instead of removing the account from my credit profile, they just closed the account and is still trying to say it is my debt. If it really was my account I'm sure they would have left the account open on collections. I have submitted numerous copies of my passport and driver 's license but it seems like they do not care because they send me emails asking for the same things sent to them. It is like I'm going on circles with Equifax XXXX and XXXX
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (OH)

On XXXX, I received a card from a company called CashApp. I never signed up for this card and called their customer service to cancel the account. They told me that I can not cancel this card, as it can only be cancelled with their APP or with a link that they would email me. I was not comfortable with doing any such transaction with a bank that refused to let me talk to a fraud department or provide me with a physical address to mail my complaint. 

XXXX I mailed them a written request to cancel this and all cards/accounts opened under my name and address.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I stayed at XXXX XXXX XXXX in XXXX. Arrived XXXXXXXX  checked out XXXXI was charged for 3 night, {$600.00}, I have a receipt for that. XXXX XXXX XXXX charged me for a second room, I did not have for {$780.00}. They realized their error and refunded the money to Bank of America. Bank of America has not replaced the funds to my account. I have filed a claim with them, but the matter has not been resolved.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

1 XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX Acct # XXXX In Accordance with the Fair Credit Reporting Act XXXX Accounts 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I opened a new capital one quicksilver account after being email I was pre-approved. Apon visiting the capital one website I see they are running a 1.5 % cash back offer, but also a XXXX $ cash rewards bonus for spending XXXX $ in the first 3 months of opening the card. I spent about XXXX dollars less in my first billing cycle. I called in made a payment on time, then inquired about the cash rewards. The employe advised me I need to spend " a little under XXXX '' to get my credit in time for my next statement. Now another 30 days have passed I made sure to spend the XXXX $ amount. The employees now inform me they don't even know what cash special I could be speaking about. I then went to the capital one official website brought up the card and the offer is still currently on site as advertised as I described. I took screen shots let the employe know, she then switched me to a supervisor that also stated no such offer existed. I instructed her to good about such rewards and that it is still currently present on their site. As well as some credit blogs that are being paid to.post about this ad avaliable to new capital one customers. I have screen spotted the sites and capital one site as proof of offer, however staff still says I am making offer up.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

A fraud claim was filed with Bank of America ( BOA ) regarding an application for and receipt of a credit card. The account number for the card is xXXXX XXXX XXXX XXXXXXXX. The card was never used for any reason - purchases, balance transfers, or lines of credit. The credit card was received but never used. I started to get statements from BOA regarding fees and interest charges. Recently, I received a phone call from BOA telling me that i have an outstanding balance for over {$600.00}. 
After several calls to BOA, we requested the source of the fees/interest, and asked for a complete transaction history. 
We received statements and a photocopy of a check dated XX/XX/XXXX XXXX showing what we were told was a balance transfer, to an entity called XXXX XXXXXXXX. This is the only transaction on the account- as I knew since the card was never used, and was also told the same by BOA. This check was never known by me, I was never told by BOA of the existence of the check, it was never authorized by me, and I had no knowledge of the payee ( XXXX XXXX ) or payment until I received the requested transaction history with the photocopy of the check. 
After several fraud claims were opened, we were told that the only transaction on the account was the check to XXXX XXXX. The check number is XXXX XXXX XXXX XXXX - XXXX. After a call by me today, i was told that BOA can not tell me who drafted the check, or who XXXX  XXXX is, or any further information.
Consumer complaint received 2023-06-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I was NOT given a 30 day Notice of Service Transfer. I still to date today XXXX XXXX have not received a Notice of Service Transfer. On XX/XX/XXXX we closed on our first and only home with a FHA loan. There were several issues less than 90 days after move in. On XXXX XXXX, I received a letter stating I was delinquent, but my mortgage payment and late fee were added and excepted by Cardinal Financial on XXXX. There has never been a missed or late payment from XXXX XXXX XXXX XXXX until XX/XX/XXXX. Again, the late fee was added with mortgage and excepted on XXXX. After that I received mortgage increases each month. 
Then on XXXX XXXX  I called in to Cardinal XXXX and ask for help with my account because I had lost clients to Death or their family or legal representative moved the client to Hospice ; and I need help with a 36-month ESCROW ACCOUNT spread. I have reached out via phone and email to Cardinal asking for clarity. I have received Foreclosure Notices, generic letters, but no resolve. I applied to Texas Homeowner Assistance Fund and Cardinal requested {$11000.00} from XXXX for 50 days delinquency. Cardinal has not been forth coming with requested information I formally requested proof of my account and still no resolve and it has been since XXXX XXXX of Formal Letters from me sent to Cardinal. Now today, the company has BLOCKED me via email, and phone. I had to use another email address to get the Formal Letter sent back to Cardinal.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-09-13
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. (CA)

in XXXX i took a look at my credit report, i found a couple items that are fraudulent. i contacted the credit bureaus and they instructed me to file a police report. I did everything that i was instructed to do, but they havent removed the fraudulent accounts.
Consumer complaint received 2023-09-13
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: Radius Global Solutions LLC (CA)

I did not authorize my card to be charged by XXXX XXXX XXXX for {$2.00}, XXXX, and I told and have given police and identity theft report also company charged debt off to other debt collectors and they have been harassing me and creditor is still seeking payment with other debt collectors and thats unlawful and they have this information. I have also asked for verification of my authorization this transaction and they have not given me that! And the reinvestigation did not seek valid proof or information about this account
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WI)

Got notice from XXXX on XX/XX/XXXX about SSN on dark web and I should request credit reports from XXXX, XXXX, and Equifax. Tried to log into Equifax. They said they would send me email verification. I was not getting it. Other option was text. I normally do not give cell number to anyone. Emergency use only. Since landline can't take text and email was not coming in, I gave cell. Got a call and tried code but their screens froze and went nowhere. Then I got a message back on screen that I already got a report but I NEVER got the report. I have no idea what Equifax has for me. It would not show on that CreditFreeScore either. This is not the first time I could not get my report from Equifax. I tried about 2 years ago and they asked so many questions that were from so many years ago that I would have to dig to find the info and then their system timed out. I just gave up at that time. After being forced to give them my cell on XX/XX/XXXX, now I got an email today from XXXX that my phone number is on the dark web. However, I have no idea which phone number. They don't tell that but since I never got the notice from my landline before, I can only assume it is my cell which I gave these credit agencies on XX/XX/XXXX even though I don't give out that number for just this reason. So upsetting. All these sevices need to have the landline call for verification. Not everyone uses email or texts, especially the elderly and we get scammed the most. With the way the Equifax website was responding and the fact that I could not get my report from them, and now my phone is on dark web, I fear they have a breach AGAIN.