davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hi! 

I have had a capital one card for years. 
A year ago both my accounts were compromised and the capital one has not tried to negotiate. They harrass me everyday for payment.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I purchased via XXXX with a Chase Debit card airline tickets with XXXX XXXX for a flight from XXXX XXXX to XXXX XXXX with a departure date of XX/XX/XXXX and return date of XX/XX/XXXX ( Confirmation # XXXX ). I had purchased these tickets for {$830.00}. I had canceled these tickets at around late XXXX and asked for a refund. My refund request was granted and I began waiting for a refund. 

On XX/XX/XXXX, XXXX XXXX contacted me asking for my banking information for a wire transfer as the card I used was canceled ( which was true ). I sent over my wire transfer information and was told it should arrive within 10 business days. Those days passed and I did not receive that refund in my bank account ( I had asked for the money to be wired to my savings account with XXXX XXXX  and they use Chase as an intermediary ). I called XXXX & Chase to ask if they had received the refund and if it was on its way and both said no money was incoming or did not have enough information to know. I called XXXX about the situation and they told me it would be 'high priority ' I called back 1 week later and was told that the 'high priority ' status meant nothing and that their refunds department made an error and that they would rectify it. It did not get rectified and I called back 3 more times over the month of XXXX, with the last time I called telling me to go take it up with XXXX. 

On XX/XX/XXXX, I opened a claim with Chase and asked them to get the refund on my behalf as XXXX XXXX XXXX seemed unable to do that with my calling. I sent documentation about the steps I took to get my money back with XXXX XXXX, including a refund invoice they sent me as proof that they sent the refund. The refund invoice has the wrong bank account listed on it and is not the one I had sent them. I also sent copies of the emails I had with XXXX XXXX regarding my refund and a copy of my bank statements from XXXX XXXX  to prove I had not received the money. 

On XX/XX/XXXX, Chase Bank denied my claim, saying that as the initial purchase of the tickets was authorized there was no fixing they needed to do.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I have a credit card with Citi Bank South Dakota and I called to find out why my payment was so high. I am seven days late with my payment. I ask the representative to explain to me why my payment was so high. I was informed that the bank charged me two times with two different interests for one month. My understanding is that the interest is high, 1st interest rate is XXXX dollars and some change and the 2nd interest rate was XXXX dollars for one month and a late fee of XXXX dollars. The representative told me that I was charged twice for being late. I told the representative that they could not do that, but insisted that it was correct. I told the bank representative that was not right. I understand being charged once for the month, but twice, I don't think that is fair, and I told the representative three times they couldn't do that. In the pamphlet, it doesn't state anywhere that you would be charged twice in one month for being late. I got choked and had to hang up the phone. I have been with Citi Bank since 2018 and the first time I have been late on my payment. Thank you for the time to help with this complaint.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2022-10-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Their are fraudulent Inquiries on my credit profile that I did not do. ( 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 2023-01-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL RESOURCE MANAGEMENT, INC. (NY)

ON XX/XX/XXXX Company Responsed, and stated that On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX ( Consumer ) received services from the Provider. The total charged for the services was {$7400.00}. Prior to the services being performed, the Consumer signed a financial responsibility agreement. On XX/XX/XXXX the Provider assigned the Consumers account to Capital Resource Management , Inc. ( Company ) for non-payment of the balance due. The Provider also advised that the Consumers insurance company issued a payment directly to the Consumer for the services provided and the Consumer did not forward the payment to the Provider. On XX/XX/XXXX the Company sent a collection letter by U.S. Mail to the Consumers address of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX the Company furnished the Consumers account information to XXXX XXXX. On XX/XX/XXXX the Company sent a second collection letter by U.S. Mail to the Consumers address. At no time prior to the receipt of this CFPB complaint did the Company receive any contact from the Consumer. Upon receipt of this CFPB complaint the Company contacted the Provider and verified that the debt information is accurate. A copy of the Consumers billing and financial agreement has been sent by U.S. Mail to the Consumers address. The amount owed {$7400.00} is incorrect. 

The original bill that is attached stating the amount was {$420.00}. 
Yes, the payment was mailed to me and deposited. However, a personal check was mailed directly to the office. Now assuming they never received the check by mail or it was never deposit into their account.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (PA)

Fraudulent Account is reporting on my consumer report that Ive never personally opened with XXXX. 

Account XXXX XXXX Account name- XXXX I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name : XXXX Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1990 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

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 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX card was never used. There is no information in their computer system. It is eight year old account. It is still on all three credit reports. It needs to be deleted off.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CA)

back in XXXX of 2022 i went to wells fargo branch in XXXX ca. to apply for a XXXX  loan cus my business was badly hurt from the pandemic i heard all companies that were affected could applied for financial help from the goverment, wells fargo employees denied me of financial help later on it came in the news that some of the employes applied and got XXXX  loans commiting fraud
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MN)

US Bank in MN froze 3 of my accounts : my business checking, my personal savings and my personal credit card that had XXXX points. They refuse to allow me to use these points, even though I did not ask to close these accounts and they were all in great standings. I never missed a payment. I found this out on XX/XX/XXXX, from my clients. They could not deposit my monthly commissions into my account because my bank account was frozen. Also, XXXX XXXX was not able to process my payment. I questioned my local branch. They told me to call XXXX XXXX. They gave me no specific reason why they did except " US Bank was allowed to do so because I signed an agreement '' ( back in XXXX ) that said they could do so at any time without any notice. I have a good credit history. I have 15 clients that directly deposit money into my account. I run a payroll with XXXX other employees. I have a mortgage payment that was late. 

I can not understand what I did except that I'm a woman-owned small business.
Consumer complaint received 2024-06-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TN)

A debt has been continuously put on all major credit reporting agencies. 
This debt was never owed and XXXX COULD NOT PROVIDE ANY SIGNED DOCUMENTATION. 
This has been going on for years now and has been removed with your help. 
Complaint ID XXXX Complaint ID XXXX This is harassment to the point of criminal.

now involving two collection companies with no proof of a debt. 

( XXXX ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XX/XX/year> Radius Global Solutions XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX
Consumer complaint received 2023-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services (FL)

A bill for {$40.00} from XXXX XXXX XXXX XXXX for a clinic visit to refill medications, Service date XX/XX/XXXX ( along with a second XXXX XX/XX/XXXX that has been billed, but not been included in the dispute for some reason by the medical group for another clinic visit for the same amount, same reason and a third one, also not included, for {$480.00} where I was double billed for an office visit ) has been in dispute from the time I received it and the medical billing office has known that. They sent this first {$40.00} charge to collections even though I now have a XXXX XXXX XXXX about it on the XXXX of this month. The collections company is unreachable by phone due to a phone system that is so bad you can't reach anyone. I made several attempts last Friday XX/XX/XXXX when I received the letter. Phone number XXXX XXXX XXXX North American Credit Services XXXX XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I have constructed a letter that I will be sending tomorrow via a tracking number stating that the bill is in dispute. They need to be reachable by phone.
Consumer complaint received 2023-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications.

These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

A merchant charged my chime account XXXX times without my authorization. I disputed the transactions with chime and explained to them that these charges were unauthorized. I explained to them that section XXXX of regulation E states that I have XXXX liability for unauthorized charges. I sent them a copy of their own policy that states the same thing.I also explained to them that by then denying my disputes they are by default, accusing me of fraud by saying I am lying and not approving these disputes. I have filed this dispute 6 times. Their denial says no error occurred. Which would mean that I am lying. I am am not lying and their written excuses make no sense. Like a deposit was made prior to transactions taking place. Im pretty sure any transaction with a debit card require a deposit prior at some point in order for the transaction to take place. And many more just as stupid responses.there are XXXX transactions totaling {$100.00}. The same merchant charged multiple accounts of mine at the same time with other institutions and every single transaction was disputed and approved by all of them. Except for chime. They are clearly ignoring the laws and regulations of the United States. My guess is they are still collecting the money from the FDIC insurance that covers these transactions while denying the customers. They are the ones committing fraud Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2022 Claim Total : {$100.00}
Consumer complaint received 2017-05-14
Product: Credit card or prepaid 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 (CA)

On Sunday XX/XX/XXXX at approximately XXXX XXXX Pacific I attempted to make a deposit for an online betting services called XXXX XXXX using my Capital One Venture credit card ending in XXXX. It was declined by Capital One twice. I then called Capital One and was connected with their fraud department. I was informed that the two charges were flagged by their computer as suspicious. After supplying my name, DOB, and Social Security number, I was then required to receive a text message with a numerical code and repeat it over the phone, which I did. The Fraud Representative then reviewed the charges their computer flagged as questionable, which I did, and confirmed that they were valid despite the fact the representative misstated the time they had been tried ( for XXXX XXXX that XXXX?!?!? ). She informed me that she had cleared the blocked charges and it was OK to resubmit my purchase/deposit with XXXX XXXX. I went ahead and did so, and the Capital One computer decided instead of approving the charges to freeze my account and declare it compromised. She never informed me that this site was considered suspicious by their computer algorithm and that No charges would ever be approved for that site, nor that there was a risk that my card would be frozen. I explained to her that this was terribly inconvenient and would incur substantial loss of time and possible financial penalties as I have several recurring payments set up that would take me a great deal of time and trouble to replicate, especially as some of them may be due in the next few days. She insisted that they would have to send me a new card. I said this was not OK, and she just kept repeating herself. I politely asked to speak with a supervisor and/or explore other options, and she said there was no other option, and that there was no supervisor available to speak with me because it was the weekend. I insisted that she explore alternative options which after several go arounds she agreed to do. She put me on hold, and then the line went dead.
Consumer complaint received 2022-11-22
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2017-02-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (OK)

My lease ended XXXX/XXXX/17. On XXXX/XXXX/17, I talked to a Toyota Financial XXXX XXXX XXXX XXXX who gave me information about pay off amount and dealer information. She never talked about the month to month payment option after contract expired, she told me I could either return the car or get it financed. I told her I would come to the dealer to get it financed. Few day later, I received a statement date XXXX/XXXX/17 with a late payment. I tried to make payment via phone but automate payment was not available. On XXXX/XXXX/17, XXXX called me again. I informed her that I have spoken to my dealer and they were working on getting my car financed. I also asked her about the statement date XXXX/XXXX/17 because I was never informed about making payment after the lease expired and I never received the statement when the payment was due, I only received the statement when it was passed due. She said it was my fault for not knowing about that information and I should have contacted her first. When I explained to her that I never knew about this information until it was passed due, she rudely told me that I was making excuses and it was all my fault. I intended to continue to make payments until I get the car financed ; however, my account would not be passed due if all this information was provided to me formally. This treatment was unfair and deceptive.