davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I attempted to make a full payment of {$230.00} on my Capital One credit card website. I made the payment using my XXXX checking account to draw the funds from as usual. Capital One website has a tool that will automatically prevent you from selecting an account with insufficient funds to make a credit card payment. Therefore, I've always made my Capital One credit card payments with my XXXX checking account for years. I've been doing this for a few years within fail and any glitches. However, this one particular time on XX/XX/XXXX, Capital One, twice sent back my payment to XXXX stating that the payment was attempting to draw insufficient funds from my Capital One checking account. This is not true, the tool I used to set up the payment prevents and prevented me from selecting the account with insufficient funds, so you can not select a insufficient account even if you wanted to. The tool will immediately inform you that you don't have the necessary funds in your account to make the required payment. This is the reason why I've always used my XXXX account to make Capital One credit card payments and never my Capital One checking account. Why they denied the payment twice, I don't know. I checked with my XXXX bank twice why the returned funds and they didn't know the reason why either. I had more than sufficient funds in the XXXX account to cover the {$230.00} payment on XX/XX/XXXX, so neither XXXX or I understood why Capital One returned the payment. The statement from Capital One stating that I arranged the payment on my Capital One checking account is false. Not only did they charge me a late fee for the payment being received after the due date of XX/XX/XXXX, they used the late fee/payment as a reason to charge me an interest fee. I don't think I should pay either. The late fee was refunded to my account, but the interest fee should be as well. I truly understand that mistakes happen, but this appears to be one of those attempts to collect unnecessary fees from one of their customers. Sort of like XXXX XXXX.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc. (GA)

On XX/XX/2022, I consumer XXXX XXXX, sent XXXX a request for my consumer report. They have not supplied me with a copy of my consumer report.
Consumer complaint received 2022-01-18
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. (NC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I processed an electronic payment to chase .it had the incorrect acct number. It was never applied to the current credit card acct. I have called 3times, ok hold, transferred wasted four hours. They have no record of the payments. They have not acknowledged the receipt. I filed with my bank. They called chase claims they are a 3rd party and will not speak about this. 

Details are as follows PayeeCC XXXX  XXXX XXXX ( XXXX ) Category Credit Card Amount {$4600.00} Payment Type Electronic Payment Option Single Paid From XXXX Sent On XX/XX/2020 Delivered by XX/XX/2020 Confirmation # XXXX Status Processed Enclosed is details of my call to chase called on hold for 55 minutes and got debit card transferred to Credit card time is >40 minutes after 2 + hrs After speaking with XXXX they recommended i call the vendor. Then, I called Chase to request a refund. I gave them the last five of the credit card. XXXX. They wanted the whole card number I then, like pulling teeth, said look it up by my social security number. They have no record of the acct and clai they have not the money. They said to call in 90 days to attempt a refund. I am filing this complant as Fraud and request immediate attention to obtain the {$4600.00}. I requested a name, employee number and a record of the call and I was refused. I was also told I could not speak to a supervisor. Also I logged onto their website and attemtped to send a secure message. There is no ability to do so. The only option is a checkbox to either transfer an amount to another credit card or keep it as a credit. There is no option or ability to request a refund
Consumer complaint received 2020-04-10
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: BBVA FINANCIAL CORPORATION (CT)

I filed a complaint for fraud charges with BBVA in XX/XX/XXXX and they issued a credit for the fraud charges on XX/XX/XXXX but then reversed them in XXXX without letting me know why. I have never received a letter with explanation about the resolution of the fraudulent charges. I have been trying to contact BBVA for more than two months and the representatives disconnect the phone call or tell me that someone from escalation department would call me back and the complaint was still unresolved and this is going on for more than three months. I also had sent their customer service department many emails without any answer.
Consumer complaint received 2020-04-10
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS, U.S. BANKRUPTCY CHAPTER XXXX AND A FEW ENTRIES THAT WAS IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT BUT TO MY SURPRISE NONE OF WHICH BELONGS TO ME OR WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION OF THESE ACCOUNTS TAKE PLACE SO THAT THEY CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. THE ACCOUNTS DOES NOT BELONG TO ME AND SHOULD NOT BE REPORTING ON MY CREDIT FILE.
Consumer complaint received 2020-04-10
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Please dont respond to my request by saying that these accounts have been verified by the information provider, I a aware of the E-OSCAR  process.I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.
Consumer complaint received 2020-04-10
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Please dont respond to my request by saying that these accounts have been verified by the information provider, I a aware of the E-OSCAR process.I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NJ)

I received both a new debit card and a letter from bbt bank sating that they are closing my account. When i called they said there was a problem with XXXX on my account. They would not give me any details but said they closed my account and i could go to any bbt drive through with ID and get the funds. I went today and they said it was at XXXX. 
I called the fraud department and got passed around for a while. They said they " see the notes saying i could go to a branch to get the money but sidnt know the details ''. Finally i was transferred to XXXX the supervisor. He told me that someone had reported " XXXX fraud ''. I have only recieved XXXX koney from my daughters father for the exact same amount as it is child support ordered by the state. I explained this and said there must be a mistake and asked how much the conplaint was for? He refused to tell me. I asked for the details that they used to determine that this fraud report was actually true and he said they dony have to tell me. I asked him how then they knew it wasnt fake then and he said, " when we get a XXXX  conplaint we just automatically send the funds back. you agreed to these conditions when you used XXXX. '' I asked why my account wasnt negative then if there was a legitimate fraud report and he reaponded, " oh we just dont let your account go negative for XXXX. '' All i know is XXXX was the fraud investigator and that his name was XXXX but not how they made the determination or what proof eas used against me. 
I feel very taken advantage of since, according to bbt, i have no right to any information from them even though they have erroneously found me guilty. 
I dont care about the account but the way this situation has played out has me feel as if yhere was theft. I dont know what to do.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (FL)

I have over 21 credit inquiries on my report that are false, I did not authorize these inquiries, this has been an ongoing problem with these reporting agencies for some time now. 

These are the inquiries that are falsely reporting on my report : XXXX  1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX  4. XXXX XXXX  5. XXXX 6. XXXX XXXX 7. XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX XXXX  14. XXXX XXXX 15. XXXX  16. XXXX XXXX 17. XXXX 18. XXXX XXXX XXXX  19XXXX XXXX 20. XXXX EXPERIAN 21. XXXX XXXX  XXXX 22. XXXX XXXX  23. XXXX XXXX XXXX  24. XXXX XXXX 25. XXXX XXXX XXXX 26.XXXX  XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX  XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX  XXXX. 
31. XXXX  32. XXXX XXXX 33. XXXX  34. XXXX XXXX XXXX 35. XXXX XXXX XXXX XXXX 36. XXXX XXXX XXXX. 
37. XXXX 38. XXXX XXXX XXXX  39. XXXX XXXX 40. XXXX XXXX 41. XXXX XXXX XXXX
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc. (PA)

On XX/XX/2022, I took an XXXX loan in the amount of {$140.00} from MoneyLion. The repayment amount is {$160.00}. Upon making the request, it was not indicated when the money would be returned. I knew and believed it was within the 30 days period. On XX/XX/XXXX, I received notification of irregular activity on my bank account. It was in the amount of {$160.00}. It was then I visited my MoneyLion phone app, and realized that there was a notation of repayment " is expected to be processed by XX/XX/2022. '' MoneyLion processed the repayment actually on XX/XX/2022. Upon contacting customer service, the Associate made me aware of the " time period. '' I was appalled. This is worst than subprime lending. I informed the Associate that I will be paying off that XXXX and the {$510.00} loan payment. My account with them will be closed.
Consumer complaint received 2020-04-10
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. (FL)

I have over 21 credit inquiries on my report that are false, I did not authorize these inquiries, this has been an ongoing problem with these reporting agencies for some time now. 

These are the inquiries that are falsely reporting on my report : XXXX 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX  5. XXXX 6. XXXX XXXX  7. XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX XXXX  14. XXXX XXXX 15. XXXX  16. XXXX XXXX 17. XXXX  18. XXXX XXXX XXXX  19.XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX  XXXX 22. XXXX XXXX  23. XXXX XXXX XXXX  24. XXXX XXXX 25. XXXX XXXX XXXX 26.XXXX XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX XXXX  29. XXXX XXXX XXXX 30. XXXX XXXX  XXXX. 
31. XXXX  32. XXXX XXXX 33. XXXX 34. XXXX XXXX EQUIFAX 35. XXXX XXXX XXXX XXXX 36. XXXX XXXX XXXX. 
37. XXXX 38. XXXX XXXX XXXX  39. XXXX XXXX 40. XXXX XXXX 41. XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (SC)

In XXXX of 2019, I considered refinancing a condo I have at XXXX XXXX XXXX, # XXXX, XXXX XXXX, SC XXXX. 

My mortgage with Chase Bank is at 5 % interest on a conventional 30-year mortgage. I'm a XXXX XXXX XXXX veteran who lost his job and wanted a better rate. 

When I contacted Chase about the gap between the current rates and my mortgage rate, the representative suggested an RMA to lower the interest rate given the circumstances. He also said any impact it might have on my credit would be negligible. 

In reliance on this, I applied for an RMA to see what they'd offer with the assurance that it would have no impact whatsoever on my credit score unless I accepted the terms of the RMA. Moreover, I was assured that I could get an estimate of the impact of the probable point on my score before accepting it. 

After three months of delays and being passed around to different RMA managers, Chase bank finally sent me an RMA offer. A mere {$42.00} reduction in my mortgage payment and the understanding that if I accepted it, it could harm my credit. 

I rejected the offer. I noted that it was insulting. I appealed noting they'd miscategorized my veteran 's XXXX income and underestimated my current living expenses. I was told they'd review the appeal and get back to me with a new offer promptly. That was two days ago. 

Today, I received a notice from my bank XXXX / XXXX. The report said that Chase Bank had erroneously reported that I had accepted their insulting RMA offer and that had somehow dropped my otherwise immaculate credit score nearly 75 points. 

This situation is totally unacceptable and contrary to the agreement. I never missed a payment. I inquired into the RMA based on a Chase representatives ' recommendation and misrepresentation. I rejected their offer. 

Then they torpedoed my credit score by pretending I'd accepted their offer. I want my credit corrected. I'd also like to report Chase for their dilatory tactics and for costing me what would have been a simple refinance by misrepresenting their RMA program and delaying a decision for over 3 months. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (WA)

United Collections Bureau is attempting to collect a debt in the amount of {$1400.00} even though I already paid this amount, in full to the original creditor, XXXX XXXX Hospital in XXXX and XXXX of XXXX. The letter I received from United Collections Bureau is dated XX/XX/XXXX. I thought this was resolved after speaking with XXXX XXXX Hospital until I noticed a delinquency for XXXX and XXXX of XXXX from UCB on my credit report. When I called UCB on XX/XX/XXXX to dispute this I was given an email address, XXXX, to send proof of payment for the debt they are claiming I owe, so I did. After almost one week, I had not received a response to my email but instead a letter in the mail from UCB along with a billing statement from XXXX XXXX Hospital that included descriptions of procedures I had done which I believe is a HIPAA violation as I did not give XXXX XXXX Hospital my consent to release my information to UCB or anyone for that matter. I called UCB immediately upon receiving the letter and after waiting on hold for forever, I left a voice message requesting an immediate call back from a supervisor. That was almost one week ago and still no response from them. I've disputed this debt with UCB, XXXX Credit Bureau as well as XXXX XXXX Hospital. I have dated letters, emails and proof of payment. Please help to resolve this matter. Thank you.
Consumer complaint received 2022-12-29
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. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2020-04-10
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. (TX)

Inaccurate information on credit report. FTC violation.

XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXXXX/XX/XXXX{$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX #XX/XX/XXXX {$550.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX   {$420.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$430.00}
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Southwest Recovery Services, Inc. (TX)

Southwest Recovery services, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tx XXXX. This is a collection agency acting as agent for XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX, Tx., XXXX. 
I visited XXXX XXXX early in XXXX ( date uncertain ). Dr. XXXX examined me and stated the growth on my cheek was not malignant, and not harmful. He did recommend that he remove, by freezing, two very small " XXXX XXXX '' XXXX   behind my left ear. I approved. After being discharged I asked the receptionist " What are my charges ''? This employee stated {$20.00}, which I paid at that time. 
Soon after I received a statement from XXXX XXXX for {$140.00} for " XXXX ''! I called XXXX to complain and was told that " freezing XXXX XXXX are considered XXXX ''!!! I Refused to pay this extortion! XXXX continue to mail statements. The " good '' Dr. referred my " Bill '' to Southwest Recovery Services. 
Upon receipt of the demand letter from S/W, I sent by U.S. mail a " Cease & Desist '' letter. Southwest Recovery ignored the Cease & Desist. 
My credit report indicates that S/W Recovery lists " First reported XXXX XXXX '', Date Opened-XXXX  XXXX, Balance {$140.00} as of XX/XX/XXXX and as a result there is a " derogatory '' entry '' in my credit rating. 
Southwest Recovery is in violation of the Fair Debt & Collection Practices Act.

This law prohibits Collection agencies from entering ANY derogarory information against an individual once they have been served a " Cease & Desist '' notice!!

Obviously, S/W Recovery considers that this FDCPA rules do not apply to them!