davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cooling & Winter LLC (GA)

XXXX XXXX XXXX for more than four 4 Years reported as charged off, and bad debt to the Credit Reporting Agencies in the amount of {$4800.00} In view of such fact said report is inaccurate according to the IRS manual where a charged off is considered income which should be reported for tax purposes and income is excluded from the consumer report. Further, it's an impossibility for the report to ever be accurate as said amount can not be debt and income for me simultaneously.

Notice this account is being currently litigated in Court by a third-party debt collector COOLING & WINTER on behalf of XXXX XXXX XXXXXXXX who also at one point had another debt collector that attempted to collect this debt without any form of verification. 

The record reflects numerous correspondence between all parties. There is evidence in abundance that support XXXX XXXX XXXXXXXX XXXX. acts and omissions are deceptive, abusive, and inconsistent with the Provision of Several Federal Statutes including but not limited to the FDCPA and or FCRA The Consumer has been denied extension of credit on several occasion which constitute actual damage. 

I have attached a copy of a notice dated XX/XX/23 that was sent to XXXX XXXX XXXX XXXXXXXX of my intentions to commence an action. Said notice sent is accompanied by a copy of the present case being litigated in a County Court on behalf of XXXX XXXX XXXX XXXX. by COOLING & WINTER LLC against the consumer
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

My name is XXXX XXXX. On XX/XX/XXXX or XXXX 2023 my previous landlord sent a partial refund on my deposit in the amount of XXXX and some change. My landlord sent money via Zelle to my phone number XXXX. I got a text message to that number saying that the funds will be available soon. However I do not have a Zelle account. My wife has a Zelle account through XXXX XXXX XXXX XXXX I tried to set up an account through Zelle but each customer service associate that I have spoken to has directed me to XXXX saying that my phone number is associated with a XXXX account. My money is now in limbo. Zelle refuses to help me and XXXX is also not able to do anything to help. I have my money somewhere in the system and no one is able to help me. I find it disheartening that Zelle nor XXXX is able to assist or even understand my situation. They both keep blaming each other. I have never had a Zelle account, I just recently began trying to use Zelle. And I have never had a bank account or a XXXX account. The only thing I need to happen is for my phone number XXXX to be deleted completely from Zelle and XXXX. I also find it frustrating that there is no one else to turn to when it comes to dealing with Zelle. Horrible rude customer service. I feel bad for any elderly people who have to deal with zelle with no resolution.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Filed for unemployment, never received card. Call repeatedly, never could get through. Went to bank, was told I had to call. I have now finally been able to file a claim but I am not living in XXXX anymore They want me to come I'm and verify with my XXXX ID that I gave to the dmv when I moved.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} DISCOVERBANK - XXXX  - {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX  - {$150.00} On XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Consumer complaint received 2024-03-21
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)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

We got approved for 0 % for 15 months and we started to use the card from Capital One. None of our statement mentioned when it is going to expire ( 0 % ). And suddenly we got hit by 24 % interest. We did not receive any email, mail or in the credit card statement. 

I checked my XXXX XXXX  credit card statement and it mentioned the expiration date of 0 %. 

Please be aware of this kind game financial institution plays.
Consumer complaint received 2023-10-17
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 (TN)

Capital One : Opened : XXXX Balance : {$680.00} Capital One : Opened : XXXX Balance : {$490.00} Requested Photo I.D . and Signature For Contract But Company Refused To Provide. 
FCRA Law 609
Consumer complaint received 2023-08-22
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. (TN)

**I AM SUBMITTING ADDITIONAL DOCUMENTATION PROVING THAT THE CHARGE WAS FRAUD** XX/XX/2023 : I was fraudulently charged {$1700.00} for an XXXX XXXX XXXX XXXX TN purchase. I did not authorize or make this purchase. I have never had a contractual relationship with XXXX or XXXX XXXX XXXX XXXX TN. 

XX/XX/2023 : I made a claim with Chase stating that I did not authorize/make this purchase. 

XX/XX/2023 : Chase responded that they would NOT credit my account stating We found that the transaction ( s ) was processed according to the information you provided or was authorized. 

XX/XX/2023 : I immediately called Chase stating that I would like to appeal this decision as I have NEVER RENTED FROM XXXX in my life. I have absolutely no knowledge of this charge, and I have no contractual relationship with XXXX. Chase told me to dispute this with XXXX. XXXX in return told me that since it was Fraud, legally, only Chase could do something about it. 

XXXX told me that legally, because this was a fraudulent purchase, I would have to go through Chase to get my funds back. 

XXXX provided me with the rental agreement for this purchase of {$1700.00}, which shows that I did not enter into a contractual relationship with XXXX ; it shows another person who did instead. I do not know this person and I did not authorize this person to charge my card for this transaction. 

I have uploaded a copy of the rental agreement which proves beyond a reasonable doubt that the {$1700.00} withdrawn from my checking account was fraud.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (TX)

called Amerihome last month XXXX and made a payment for XXXX to pay for at least the mortgage. They sent me a check back and reported to the credit bureau that XXXX 30 days late. I called Amerihome Mortgage today, XX/XX/2023 and they ( customer service ) told me they couldnt do an escrow spread because I have a past due balance for XXXX and XXXX and they couldnt do anything until it was paid. Customer service sent me to a loan XXXX, I explained what was going on and his suggestion was to do some financial hardship thing where they take what I owe and tack it on the end of the loan. I really dont want to do that considering XXXX only owe the taxes once because my husband is exempt. The loan XXXX asked if I could pay both XXXX and XXXX mortgage payment, said yes I could, then they said well youre only X amount away from the full amount, is there anyway you could come up with the amount. I explained to the loan XXXX that it wasnt possible. Amerihome Mortgage offers the option to send in a written request to take off any extra payments like taxes, I wrote two separate written requests, one in XXXX and one the beginning of XXXX. The first request was denied because they said I didnt have homeowners insurance, fixed that. Then the second request was denied because I have a past due balance on the account. I expressed to them that I felt like all the systems they have in place to help me, arent helping me. 

The reason I owe back taxes is because when we were doing the paperwork and buying the house the loan XXXX at XXXX XXXX reassured us time and time again about the property taxes and we made sure they understood what we were talking about. Come to find out there was somehow a miscommunication that the loan XXXX admits he messed up on and now we owe back taxes. He was the senior loan XXXX and he admitted he made a mistake and told us theres nothing he can do. 

My husband has filed all necessary paperwork with the exemption and we were trying to get the taxes removed from our mortgage so we could pay it off in smaller chunks. When I call to talk to them its like theyre saying, Im sorry you have a financial hardship that we started, stop being poor and pay us. Because they arent willing to work with us and Ive explained we wont have property taxes ever again. The only reason this is creating a hard ship is because the payment went up almost XXXX dollars more and they refuse to give us a normal payment. 

I appreciate you contacting me and trying to resolve this issue. I am definitely able to talk over the phone about any more questions you may have. 

Amerihome Mortgage is not working with me to pay even just the mortgage payment. The letter for the returned check says as requested but it wasnt.
Consumer complaint received 2023-10-17
Product: Credit 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 (CA)

Capital One advertises a {$200.00} new cardmember bonus if you applied and qualified for their XXXX XXXXXXXX credit card requiring excellent credit. I did that ( my credit score is XXXX, according to CapitalOne CreditWise ) and the card was approved on XX/XX/2023. After I fulfilled the {$500.00} spend on XX/XX/XXXX ( within the XXXX 3 months ) they refused to provide the advertised {$200.00} credit saying the card I applied for on their website did not offer the bonus. Case # XXXX was created by XXXX XXXX XXXX ) to research this. On XX/XX/XXXX I received an email from CaptialOne that stated, " We have reviewed your request to be awarded a bonus and found that your account does not qualify based on the terms of the product for which you applied. '' On XX/XX/XXXX I was told the Capital One phone supervisor XXXX that their computer system had a glitch and had me apply for another version of the XXXX XXXX Card that doesn't require excellent credit. However, the website where I applied stated " Credit Level Excellent '' below the card image. See : XXXX : XXXX After I was pre-approved, the webpage and email stated I'd receive the new card within a few business days which I did. No notice that card did not have the advertised {$200.00} new cardmember bonus attached to it. 

No replies from Capital One to any of my emails or voiced complaint about their website glitch : apply for card with excellent credit but get approved for a card which doesn't require excellent credit and doesn't have {$200.00} new card member bonus. 
Please refer to uploaded doc which is contains all relevant emails. 
Copy/paste of last email sent : On Sat, XX/XX/2023 at XXXX XXXX XXXX XXXX wrote : Case # XXXX Please post the ADVERTISED {$200.00} rewards credit to my XXXX  XXXX cardending in XXXXand confirm via email. Kindly read previously sent email ( below ) for which there was no reply CFPBXXXX XXXX, FTC and socialmedia complaints in progress and will be filed on Monday XX/XX/2023 Thanks for your consideration XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NJ)

I stayed at a XXXX XXXX XXXX XXXX, in XXXX XXXX, NJ around XX/XX/2022 as a hotel stay. When arriving at the resort, I was asked to go through a presentation the next morning. They asked for certain personal information and I asked them why? They wanted to see what services they could provide me for future lodging stays. I clearly told them that I wasn't interested in anything that was going to cost me money. They said it wouldn't after I clearly told them that I was not interested. Against my better judgment, I decided to go through the session ( strong-armed ) and I gave them information that I should not have given them. The accomodations were very nice but I was NOT interested. After sitting with a consultant who was describing to me what I thought was a time-sharing program. They tried to provide me with several future vacation options. Well long story short, their account is now showing up on my credit report and I want to get it cleared. I just wanted to enjoy my stay and I do not like that this is listed on my credit report.
Consumer complaint received 2023-05-30
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. (TX)

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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX 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 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 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (GA)

My car was broken into and my wallet got stolen with all my personal information. I contacted the credit agencies to inform them of incorrect and fraudulent information i noticed on my consumer report but they are still reporting these fraudulent accounts and addresses.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: 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.

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 2023-10-19
Product: Credit 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: Chime Financial Inc (TX)

On XX/XX/XXXX  my wallet was stolen at a restaurant. As soon as I noticed, I logged into my Chime app to turn off transactions. Upon opening, I saw that my account had essentially been drained in two transactions ( one for {$1000.00} and second for {$300.00} ). I immediately turned off the card and reached out to customer support to report the fraudulent transactions. The agent took my report but said a dispute could not be done until the transactions settled. I called on XX/XX/XXXX to check on the status because I noticed the charges had settled and was told that they would commence investigation for dispute once it cleared on their end. I hung up at XXXXXXXX XXXX and less than 2 hours later received an email stating that the investigation was concluded and that my dispute had been declined as " no billing errors were found. '' Shocked that they would make such a big decision in less than 2 hours and leave me broke, I requested a copy of the investigation results, which they are required to provide under the law. Multiple days later they sent me an email with " investigation results '' and when I opened it saw that it was a single page document titled " intake form, '' and only had the information for my original dispute. This proves no investigation was conducted. I called to request further information and the agent told me that Chime has a policy of " automatically denying '' initial disputes and advised me to submit an appeal. I submitted the appeal and was denied a few hours later, again. I requested the results of their investigation, which they are required by law to provide, and again, many days later received that same single piece of paper just detailing my dispute. 

Multiple consumer laws have been broken by Chime in this process by not conducting a good faith investigation into the claims, not following through with their zero liability for fraudulent transactions policy and then refusing to or being unable to provide me with the results of their investigation.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (CA)

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX  XX/XX/
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (WI)

Someone claiming to be calling from Americollect keeps calling my job asking to speak with me, and leaving me voicemail messages regarding a medical debt. They have been calling several times a week for at least the past year ( XXXX - XXXX ). I have contacted them in the past and asked for an itemized bill regarding the debt they claim I owe. They told me how much it is verbally but I have not received the bill to review and possibly dispute. I have asked them not to call my job and to remove any work numbers they have for me including XXXX, XXXX, XXXX and to only contact me via my cell phone number I provided them XXXX. I really don't want to talk to them at this point what I would like is an itemized bill to review to determine if I truly owe the debt they are calling me about, until then I would appreciate if they stop calling me because at this point it is stressing me out. I am a supervisor and my staff are receiving these calls.