davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Hello, On XX/XX/2020 I requested a wire transfer of {$11000.00} from my checking to my account in XXXX. According to the receiving bank in XXXX ( XXXX XXXX  ) instructions were received on XX/XX/2020 but no funds were sent, XXXX XXXX reached out to Capital One on XX/XX/2020 to inform that the wire can not be completed. On XX/XX/2020 funds were sent to XXXX XXXX  but without appropriate instructions ( missing beneficiary 's name, account number ) therefore they could not be properly booked. 
In the meantime, on XX/XX/2020 I recalled the wire since the money was missing and nobody could explain where the money is or help me. Funds ( {$10000.00} ) were returned by the receiving bank on XX/XX/2020 but only {>= $1,000,000} was credited to my account with Capital One on XX/XX/2020!!! 
This was a very long and frustrating process having my money missing and not available to me for 5 weeks. Capital One was not helpful and ignored my emails and phone calls which is very unprofessional and not reassuring to the customer. 
I spent a lot of time trying to trace the wire, calling both banks, here and in XXXX. 
This money was sent to pay my mortgage on the place I am buying in XXXX. 
As a result of Capital One Bank 's incompetence, I incurred late fees on my mortgage payment. 
Also I was charged by Capital One a fee of {$40.00} to initiate a Wire, {$25.00} by the receiving Bank in XXXX to receive a wire. Out of the total Wire amount of {$11000.00}, I was refunded only {$10000.00}. I am seeking to be reimbursed the fees of {$140.00} I was charged since the services were not performed and cased me great deal of stress. 
I save and budget my money carefully and this situation caused me unnecessary financial expenses due to lack of competence and professionalism displayed by Capital One. I did file a complaint previously-ID XXXX, I am filing this complaint to recover the fees unjustly charged to me. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-05
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. (FL)

You recently stated you did an investigation on information being accurate and just updated the information, but my dispute was about the UNLAWFUL VIOLATIONS THAT HAVE BEEN ALLOWED ON MY CREDIT! This is my last attempt before moving forward with my attorney on filing suit. This is to report the inaccuracies and violations that are on my report, which are grounds for IMMEDIATE DELETION! 
FINWISE OPPLOANS XXXX ) it is AGAINST THE LAW TO REPORT A CHARGE OFF MONTHLY VIOLATION OF 623-15 U.S.C 1681s-2 Duty to provide notice of delinquency of accounts ( No later than 90 days After the furnishing information, notify the agency of the date of delinquency on the account the month in the year. 
XXXX ) the IRS CONSIDERS a Charge off as GROSS OR ORDINARY INCOME, So why is this on the credit report? I have not received a 1099C.? Violation of 15 USC 1681 ACCURACY AND FAIRNESS 3 ) This company has failed To protect my information VIOLATION 15 USC 6801 PROTECTION OF NONPUBLIC INFORMATION 4 ) They are also reporting a past due amount that is higher than the highest balance that is also an accurate reporting, which is also a violation because according to the FCRA everything report, it needs to be 100 % accurate Which are also grounds for dilation 5 ) Another violation is this company is showing that payments were made and then theyre stating that no payments were made and that I owe the full amount of 1756 how is that so if payments were made? They are not reporting correct payments, that is also Not fair and in accurate, Which are also grounds for a deletion 6 ) VIOLATION OF 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLOSE PERSONAL INFORMATION, Which means in accuracy is also grounds for deletion 7 ) also, how can this information be accurately verified when my name is incorrectly spelled in the wrong address is on file, and Ive called on multiple occasions, trying to correct this. Ive also while mailing disputes have sent copies of my drivers license my name should B displayed on my credit report as it is on my drivers license not using a middle initial that is not my name my mother and I have the Exact same first name and if youre using a middle initial, we have the exact same middle initial so our information has been messed up in the past. This is also an accurate reporting.
Consumer complaint received 2023-05-11
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. (NC)

equifax is repeatidliy breaking the law and is failing to verify the unauthorized hard inquiries they are furnishing on my report. Specifically, Section 607 ( b ) requires credit reporting agencies to : 1.Adopt and implement reasonable procedures '' to ensure the accuracy of the information in a consumer 's credit report. 

2.Maintain strict procedures '' to ensure that only accurate and complete information is furnished to creditors, employers, and other users of consumer credit reports. 

3.Take appropriate corrective action '' when errors or inaccuracies are identified. 

4.Review all relevant information '' when reporting information about a consumer 's credit history, including the source of the information and the age of the information. 

i called and they told me to call the companies and ask them to remove the inquiry which doesnt make sense. the following are my dispute confirmation numbers. 

# XXXX # XXXX # XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue that I recently faced with my PayPal account. Despite being a responsible user who follows all the terms and conditions of PayPal, my account has been permanently limited without any prior warnings or notifications. 

As a new user, I was looking forward to utilizing PayPal for my online transactions and was excited to start using the platform. However, I received a notification that my account has been permanently limited, causing me inconvenience and distress. I have tried reaching out to PayPal 's support team to inquire about the reason for this limitation, but I have not received a clear or satisfactory answer. 

I am confident that I have not engaged in any activities that violate the terms of service of PayPal. I have always been careful to follow the guidelines set by the platform, and I have not experienced any issues with my account until now. I believe that my account has been limited in error, and I am eager to resolve this matter as soon as possible. 

I understand the importance of security measures, and I am more than willing to comply with any verification procedures that may be required. I would appreciate your assistance in investigating this matter and providing a resolution that would allow me to regain access to my account and continue using PayPal for my online transactions. 

Thank you for taking the time to consider my request. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WI)

Midland Credit Management ( MCM ) was authorised to take {$25.00} out of my account, starting XX/XX/XXXX-XX/XX/XXXX. Instead of just 3 months, someone put in 23 months of payments. MCM continued to take {$25.00} out of my account each month for the next nine months without authorisation! Without my knowledge! ( I wasnt getting any statements in mail ) Im not a person that usually checks my bank statements & that was my XXXX XXXX resolution to become financially fit. Accounting for every penny that I spend. Ive been talking with the MCM since XXXX, ( on a weekly basis, or more ) trying to resolve this issue & get back to {$220.00}. With no progress, till last week. XXXX XXXX ; Management of MCM authorise a refund for {$220.00} said, Money would be back in my account within five days. Today is XXXX XXXX ; I called the company again today before filing my complaint. I set up for payments ( my bills ) to be taken out of my account today, the company had said that my money would be there by Wednesday, XX/XX/XXXX. Now I have NSF charges & the amount of $ XXXX {$220.00} they still owe me for the refund for a grand total of {$490.00}! The company today had to say today, Well it takes time for the money to go back into your account! Today was 9 days. MCM says today, It could take up to 20 days. They just keep jerking me around! I dont think I will ever see my money & now I owe more than what they owe me because of their lies. I did tell them I was reporting them to the XXXX  & FTC.
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I am filing this complaint out of total frustration with Wells Fargo. I have a mortgage with them and I just want to log in and see get a statement. After successfully logging in, when I clink on on statements the web site tells me I need to phone in to WF to get an access code. After holding on the phone for 20 min I finally get connected with a person who asks me several security questions,. He then informs my responses failed. He asks me another set of questions which also fails. I am 1000 % sure that the answers I gave him are correct. At my request he connects me with a supervisor who informs me that I can either call back and be re-validated or go into a branch ( I do not have time to spend hours going to a branch to deal with this ). I call back and wait on hold for and extremely long time again finally speaking to a representative. After giving her my info she says she is working on it, then there is a click and I am back in the holding queue to speak to a representative again.
Consumer complaint received 2020-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

I am receiving mail from a collection agency at an address in Delaware that I never resided at for a credit card account that was opened in XXXX. The account was paid in full in XXXX with a home refinance. The account is 19 years old and too old to collect on if it wasn't paid off. they were notified by me that I do not reside at the Delaware address, that that is no longer my last name and that I do not know what they are talking about and gave them my correct address to contact me. they responded in writing to Delaware address with a copy of a credit card offer I filled out in XXXX with all of my vital information including social security number written on it and not redacted any of it to prove I owe this debt. all that proves it that I applied for a credit card in XXXX.
Consumer complaint received 2020-03-06
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. (TX)

In XX/XX/XXXX, I initiated a dispute on an XXXX XXXX XXXX XXXX collections account reported on my Equifax credit report. I called Equifax and gave details on the reason for the dispute and I followed up with a 3 page written document explaining the reason for the dispute, which document I mailed to Equifax in XXXX Georgia. To my surprise, Equifax sided with the collections account without carrying out any independent investigation. I was informed by the Equifax representative I spoke with that the investigation process involved sending my dispute documents to XXXX   XXXX XXXX  XXXX  XXXX in turn responding that the debt was valid irrespective of what information I sent to Equifax. The collections account from XXXX XXXX XXXX  XXXX is as a result of pest control charges which my former Landlord, XXXX XXXX claims I owe. At no point throughout the duration of my stay at XXXX XXXX did I receive a bill for any pest control charges. I received statements from XXXX XXXX every month when I lived there for rent and utilities which were fully paid. At no point, did I enter into any contract with said former Landlord ( XXXX XXXX ) to pay for the pest control treatment. In XX/XX/XXXX, pest control was carried out in the XXXX XXXX apartment I resided in. At no point prior to, or after, the pest control treatment did XXXX XXXX send me any bill for pest control charges. My lease expired in XX/XX/XXXX and the final account statement sent to me by XXXX XXXX after I moved out did not include any charges for pest control. The issue of pest control charges was brought up for the very first time by XXXX XXXX on XX/XX/XXXX in retaliation for my request to return my security deposit which they claimed at the time was used for cleaning the apartment after I moved out.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. 

XXXX XXXX XXXX XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

I understand the complexities involved in such disputes, but it is crucial to comprehend the gravity of the situation from my perspective. Every day that passes with these fraudulent accounts tarnishing my credit report brings about additional distress and uncertainty. 

I implore you to expedite the process and ensure that all the accounts in question are thoroughly investigated and resolved within the shortest possible timeframe. This matter requires your full attention and diligence to bring it to a satisfactory conclusion. 

I expect a written acknowledgment of this dispute letter and a commitment to completing the resolution of my identity theft claims promptly. The law mandates a timely response, and I insist that your bureau fulfills these legal obligations without further delay.
Consumer complaint received 2020-03-06
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: Experian Information Solutions Inc. (CA)

XXXX  XXXX XXXX XXXX XXXX forcibly sold me Gap insurance not just through my insurance but also through the lender contract just like buying an extended warranty. They charged me {$4900.00} for this insurance and guaranteed if the car should ever get totaled I would owe nothing. As it turns out the car was totaled and during that time XXXX  XXXX XXXX XXXX XXXX Merged with XXXX XXXX XXXX XXXX and refused to honor the Gap coverage that I bought because they said that I never turned in the claim. A total lie I turned in the claim four times. I have been fighting this for that last four years and I am fed up I am seeking legal counsel and suing the Credit Unions and the credit reporting agencies Because we don't have a business reporting account. The Credit Agencies due very little to look into this issue and resolve unfair credit practices. Causing lives to be ruined by their lack of care and professionalism.
Consumer complaint received 2020-12-30
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: JPMORGAN CHASE & CO. (WA)

In short, I was scammed by XXXX. I used my Chase Sapphire Reserved credit card to pay for this since it should have consumer productions against fraud. 

The seller sent an incorrect product that is worth {$5.00} to scam {$130.00}. I tried to do a chargeback with Chase because fraud was committed and Chase did NOT look at all the facts and sided with XXXX. The proof is in the XXXX tracking information provided below. I bought a bathtub which is very big and heavy ( XXXX ) as indicated on XXXX  product page and received something totally different. The XXXX tracking information shows that the package I received is XXXX. I'm not sure why Chase sided with XXXX when the tracking information itself shows that I received the WRONG item and XXXX is not willing to work with me for a refund. 


XX/XX/2020 - I purchased a bathtub from XXXX for {$130.00}. The weight of the bathtub in the description of the product page is XXXX kg. XXXX XXXX XXXX? XXXX XX/XX/2020 - I received a package from XXXX but it was not a bathtub. It was a flash light instead. The tracking information from XXXX shows that the weight of the package is XXXX. This is enough proof that the seller sent the wrong item. XXXX XXXX XXXX XXXX XX/XX/2020 - I opened up a dispute with XXXX  requesting for a full refund due to not getting the correct product. 

XX/XX/2020 - XXXX denied the dispute saying that I received that correct item. 

XX/XX/2020 - Requested chargeback with Chase since the seller committed fraud. 

XX/XX/2020 - Chase denied chargeback due to seller providing tracking information that I have received the product. 

XX/XX/2020 - Contacted seller for address to return the product since I did not want a flashlight and am willing to take a partial refund due to frustration in this whole process. Seller is unwilling to provide address for a return for an item.
Consumer complaint received 2020-03-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

My name is XXXX XXXX my social security number is XXXX I have a mortgage loan with bayview loan servicing my loan account number is XXXX the customer service number is XXXX XXXX XXXX their address is XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX .my complaint is that I'm two payment s behind I asked them to go on a repayment plan. They told me that I have to make a payment for XXXX .in which I did then allow sudden they tell me that I have to put more money down like XXXX dollars. I ask them can they accept the payment I made recently for XXXX. I only now owe XXXX and XXXX payment.. Can you please talk to bayview loan Serpvicing to see if they will process my repayment plan with the payment I made recently. I'm trying to work with them. But they won't more money down I'm only two payment s behind since I made XXXX payment. I'm trying to prevent any foreclosure from happening. I'm not in any danger now. Just two payment s behind
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Collection Services, LLC (TX)

I called XXXX XXXX XXXX 's billing service to set up the amount " payments in lieu of reporting ''. In late XX/XX/2018. I agreed to this with the lady at thXXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX She said the account had just been forwarded to Southwest Collections. So I called them, Southwest Collections didn't even have the paperwork yet. I asked for a payment plan of $ XXXX month in lieu of reporting. They THANKED ME with 19 Derogatory reports, all dated XX/XX/2018. I was not given the thing I bargained for and for this reason I feel I should not have to pay the amount. They are in the wrong because I said over and over I'd pay in lieu of being reported. I feel I've paid enough under the circumstances.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$360.00} XX/XX/2022 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.