davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Telephone call from someone pretending to be from Bank of America Fraud department. Advised of a fraudulent charge which had been posted to my account. Convinced me that I had to immediately process a XXXX transaction to prevent the money being lost. XXXX transaction to a phone number that had been reconfigured to look like my own. XXXX. 

Bank of America claims that the money was transferred at my own free will. XXXX has no protection whatsoever even though both know the party that initiated the transfer. I believe XXXX XXXX should provide coverage and ensure full reimbursement.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MA)

I have contacted PayPal Credit several times in regards to repeated fraudulent charges that were processed through my personal PayPal credit account. Monthly payments were being processed automatically till a certain point towards those charges PLUS interest that were deducted from my debit account that was on file. 

PayPal could not accurately identify the charges and made no efforts in resolving the issue. Once I declined to pay the charges, PayPal reported a late payment to all three credit bureaus which were later removed after my appeal to each of them. PayPal continues to mishandle the issue and has gone as far as disabling the account and bared all access from my end but still attempts to process monthly payments and also continues to allow for a monthly recurring charge for a XXXX account that I do not own. I've called PayPal on a monthly basis, at times made several calls but the issue continues to be ignored.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize nor did I benefit from the below listed inquiries. Whoever authorized these companies to access my consumer report and place these hard inquiries is in violation. I am reporting them, and I want them blocked and removed from my consumer report. 

XXXX  XXXX XXXX - XX/XX/2022 XXXX XXXXXXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX  - XX/XX/2022 XXXX
Consumer complaint received 2022-12-09
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 (AL)

On XXXX XXXX I returned a rental back to XXXX and XXXX charged me again as if I was re-renting and was not trying to give back my deposit in the amount of {$200.00}, so I tried to dispute it with XXXX before contacting my credit card company and XXXX did not try to resolve the issue, the same day I called Captial one and filed a dispute to resolve the transaction Captial One case # XXXX XXXXXXXX during the return of the rental XXXX had charged me again and made my credit card go over my limit. 

Captial One informed me that the credit will be applied to my available balance after 90 days of me filling the dispute if they don't get response from the merchant, my credit card statement dated XXXX XXXX XXXX XXXX I made 3 Payments to Capital One : XXXX XXXX = {$400.00} ( Payment ) XXXX XXXX = {$100.00} ( Payment ) XXXX XXXX = {$120.00} ( Payment ) balance on statement : {$0.00} My credit card statement for XXXX XXXX - XXXX XXXX I made one payment to Captial One and Captial One applied a provisional Credit and an Interest charge Adjustment : XXXX XXXX = {$200.00} ( Provisional Credit applied ) XXXX XXXX = {$0.00} ( Interest charge adjustment ) XXXX XXXX = {$25.00} ( Payment ) I called Capital One Numerous of times to try and have them permanently apply the credit to my account to bring down my available but there telling me I had a balance of {$230.00} for my statement dated XXXX XXXX XXXX XXXX and that they applied a provisional credit to my account but if they did, I would have had a XXXX balance the next month because there were only XXXX charges for that statement and there saying it was applied before the case had closed before the 90 days. 

Captial One isn't trying to apply the credit permanently to my account because they are assuming that consumers don't close attention to their statement and there trying to keep the money and rip me off.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a savings account with capital one. I received a letter from capital one stating that because of a court case involving me in the state of Utah they had been instructed to garnish my account over {$1200.00}. After contacting the courthouse in Utah it took me 30 seconds to discover the problem Capital one Negligently removed the money from my account rather than from someone else with the same name. The courthouse was able to verify for me that the Social Security numbers did not match, the birthdates did not match, nor did the state of residency. I have reached out to capital one and tried to fix this issue, but they still have not yet returned my money to me.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (TN)

There are items on my credit report that are not true, incorrect, not mine, unverified and not my responsibility on my credit file. I am a victim of identity theft. According to 1681 c 2, you must remove and block any information of a consumer in which the consumer identifies as information resulting from alleged identity theft within 4 business days. I have provided the consumer reporting agencies with notification of my identity theft on XX/XX/2022 and XX/XX/2022. As of this moment, the fraudulent accounts remain. My rights as a consumer have been violated. No account can be furnished on my credit file without my written consent. I have given no written consent. This is a violation of 15 USC 1681 a 2. I am demanding that you cease and desist all forms of communication of these fraudulent accounts directly or indirectly to any person through any medium. My consumer report is being used as the medium. Communication is happening when the false accounts on my identity theft report are being illegally furnished on my credit file. My financial reputation has been damaged. I am dealing with XXXX XXXX  due to this defamation. If these accounts are not deleted immediately, I will not hesitate to take immediate legal action against you and any other furnishers of these false, non-compliant accounts on my credit file.
Consumer complaint received 2022-12-09
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: DISCOVER BANK (NJ)

On XX/XX/XXXX, I booked a trip via XXXX XXXX XXXX a travel agency ) with a payment plan split into three transactions. The first of XXXX XXXX on XX/XX/XXXX, payment of XXXX XXXX and then on XX/XX/XXXX, for XXXX $ for a total of XXXX XXXX Then on XX/XX/XXXX, the trip was postponed due to covid which the policy promised a full refund due to covid related issues ( which this was one ). They had the option of a full refund or going on the delayed trip. I opted for a full refund. They said that the refund would take around 90 days. Eventually, after more than 90 days, I got an email saying they would process the refund in 5-7 days. I wasted and nothing was processed. after I emailed them about this issue the company stopped replying to all my emails. To combat this, I filed for a credit card dispute, and Discover only provided a refund for the first two transactions and not the third one. They were all the same purchase split into three transactions, so the decision makes no sense how only part of the refund is given when it was all the same.
Consumer complaint received 2023-07-19
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. (MN)

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. 

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 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 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 2022-11-25
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX  # 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. 

XXXX XXXX  {$970.00}
Consumer complaint received 2022-11-25
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX  # 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. 

XXXX XXXX {$970.00}
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/year>, I was travelling to XXXX and needed local currency so I used Wells Fargo ATM card at an ATM to withdraw XXXX. XXXX ( roughly $ XXXX ). Once I returned from the trip, on XX/XX/year>, I noticed there were XXXX more ATM withdrawals on different dates totaling about $ XXXX. I then found out that my ATM card is no longer with me. I immediately deactivated the card using Wells Fargo XXXX on my phone and then called Wells Fargo to report lost card and fraudulent transactions. I was transferred to fraud department and they asked series of questions including if I authorized anyone use the card or I wrote the pin number on the card. I am not new using and securing the ATM card and I never authorized anyone using the card and never wrote down the PIN on the card. 
After finishing the call, in about XXXX minutes, I received a notification on the Wells Fargo XXXX that the investigation has been completed and there was no sign of fraud. Right after the first notification I received another notification that an investigation has been opened. Both notifications displaying same fraud claim number. I thought these were errors and did not take immediate action. 
After XXXX weeks I received a letter in the mail that said, the investigation has been completed and no sign of fraud was found. Today, XX/XX/year> at around XXXX pm, I called Wells Fargo fraud department ( XXXX to discuss the claim outcome. The representative was not helpful and repeated that there was no sign of the fraud and I should file a police report but failed to say in which country??? 
I am still not convinced that they did any investigation and fraudulently closed the case. Should I be protected by Reg E?
Consumer complaint received 2022-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: OLIPHANT FINANCIAL, LLC (FL)

Issue - Your company is attempting to collect a debt without a contract. 
Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
Applicability - Your company is attempting to collect a debt in the amount of {$9300.00}. There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). 

XXXX XXXX is a respected professional in her community and has put a lot of effort into building a positive reputation. The Plaintiff is a resident of Florida, and has worked as a business owner in the community, and at all this time, the plaintiff has enjoyed a good reputation. 
The plaintiff believes that the defendant has been maliciously spreading false and unfounded statements that are causing serious harm and damage to their reputation, misrepresenting their character. 
Under the laws in the State, it is illegal and unlawful for a person to intentionally spread false statements with the intention to harm a persons reputation without factual evidence. 
As a result of the defamatory statement, the plaintiff has suffered the loss of her reputation, shame and caused alleged damages.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (FL)

XXXX XXXX  was bought out by XXXX XXXX XXXX XXXX XXXX XXXX who did not carry over my preferences of informing me via text, email or USPS letter I made a dispute with the loss prevention department. I never heard resolution of my dispute from XXXX XXXX  or XXXX XXXX XXXX. I learned of my credit score dropping over 100 points via XXXX XXXX. At that point I reached out to number on my XXXX XXXX for a delinquent account from XXXX XXXX XXXX, who was the bank that bought out accounts from XXXX XXXX. They told me I had a delinquent balance of {$430.00}. I went ahead immediately and paid the balance. I reached out to XXXX XXXX XXXX. I reached out to them to this email XXXX informed them of inaccurate reporting to my credit bureau which dropped my credit score from a dispute that I never received any alerts from via email, text or letters. I was told an email was sent out in my dispute to correct my credit score. I never received any email. I reached out again and they would hang up on me when trying to speak to a supervisor. At this point my credit score is XXXX when I had an almost XXXX credit score. My drop in credit score is due to inaccurate credit reporting from the XXXX XXXX XXXX who took over my XXXX XXXX account ending in XXXX. I can not finance now the home I am renting to own. Please help me with this matter, I have tried to get this matter solved with XXXX XXXX XXXX  and they keep ignoring my requests and email correspondences. This inaccurate credit reporting is due to negligence of XXXX XXXX XXXX  taking over XXXX XXXX accounts and not carrying over preferences of customers to notify their customers via text or email alerts. They did not carry over the preferences. If I would have known of my balance I would not even be writing this note. Please help.
Consumer complaint received 2022-12-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XX/XX/2022 I received an alert from XXXX that they has been a hard inquiry on my credit by Bank of America. I have not tried opening account or any loan products with Bank of America. I have tried contacting Bank of America and I was given XXXX different phone numbers because no one knows how to handle to a fraud situation. I have filed the dispute with XXXX as well, and I have frozen my credit.
Consumer complaint received 2022-12-09
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. (VA)

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have two capital one cards. One of which I was making a payment in full for. I paid the balance off in full when a few days later, the payment was reversed. I then tried making the payment again to then see my payment once again reversed. I checked my fidelity bank account not knowing what was going on. Come to realize that my money was being with held due to a data security breach. This breach I was not informed about until I called fidelity asking why my money was being withheld. I then saw that not only my capital One XXXX  card was restricted and closed but my capital one savor card also became restricted and closed. I called capital one and explained them the situation. They gave me the run around as to if I was or wasn't able to have my accounts reopened. The unfortunately would not reopen my accounts regardless of what was going on. 
For reference, I have attached a link below that explains the security data breach that I was unaware of. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-01
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 (VA)

Someone tried to open a secure credit card loan in my name on XX/XX/year>. Through capital one I havent applied for credit card in 2 years. Capital one marked it as fraudulent and told me I needed to make a claim. I also received a letter from XXXX  that my loan application has been denied
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (TX)

I received a letter on XXXX XXXX from Wells Fargo Customer Care-Remediation. 
Subject : Important information about account ending in XXXX I never saw this letter until a few days ago from my husband. 
it states I am the Claimant. I am not aware of anything and I would like to hear from Wells Fargo Customer Care -Remedation department to explain. 

Claimant : XXXX XXXX Claim Number : XXXX Claim Closed : XX/XX/XXXX Claim Type : Devbit Card Non-Fraud Dispute Reason : Services Not Provided or Merchandise Not Received. 

XXXX XXXX XXXX This letter was also mailed to an address I had not lived at since XXXX. 
My mother-in-law and husband own the home and I do not have a relationship with my MIL. 
Appreciate the time, XXXX XXXX XXXX name at the time letter was mailed does not reflect my married name XXXX XXXX XXXX ( XX/XX/XXXX ) with social security offfice prior to that I used my maiden name XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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)

I have unauthorized transactions over {$3000.00} under my debit card from XXXX XXXX XXXX I contact the merchant via email about the hacked on my account and provided a bank statement of those unauthorized transactions. I first filed a claim on XX/XX/year> with Chase bank for a dispute about the fraudulent but they did not investigate and denied my claim 2 days later on XXXX XXXX. Not even a temporary credit was given and my account is severely negative.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In according with the fair Credit Reporting Act XXXX  Account # XXXX -XXXX  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 furbish an account without my written instructions.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (UT)

Purchase made at store location in XXXX MT on XXXX/XXXX/22. 

A commercial credit card was used to purchase blinds for a rental home in XXXX. 

The store employee had difficulty " getting the payment to go through. '' The purchase in dispute is for {$990.00} worth of blinds. I was given the following receipts at the customer support counter : Trans # : XXXX {$1000.00} ( {$990.00} + XXXX tax ) Trans # : XXXX + {$1000.00} ( Credit ) Trans # : XXXX {$990.00} The XXXX/XXXX/22, statement included the following charges and credits from the XXXX Store : XX/XX/22 invoice # : XXXX {$1000.00} XX/XX/22 invoice # : ( {$1000.00} ) XXXX/XXXX/22 invoice # : XXXX {$990.00} XXXX/XXXX/22 invoice # : XXXX {$990.00} I am certain the the extra {$990.00} is an erroneous double charge, and I have disputed it XXXX times. In all this time, I have not received any written documentation from Synchrony bank regarding the resolution of the first XXXX disputes, and was only informed of it being in Lowes favor when I called the customer support number on the Lowes statements. 

Regardless of their previous decisions, I am continuing the dispute the charge because I did not get XXXX sets of merchandise worth {$990.00} on XXXX/XXXX/22 from the XXXX Lowes Store. I have spent a lot of time on the phone and organizing my records to deal with this incorrect charge, and it is still not settled.