davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I, XXXX XXXX XXXX, make the following statement ( s ) in support of an official complaint against Capital One NA. For the past 10 Years I maintained XXXX XXXXapital One Credit Cards, ending account # XXXX XXXX and XXXX and during that period was never a late payment. 

On XX/XX/2022, I spoke to a Capital One Representative and requested they close both my accounts ( # XXXX & XXXX ) and requested a payoff for both credit card accounts ( # XXXX {$2400.00} & XXXX {$330.00}. While closing both accounts I electronically sent stated amounts above ( XXXX XXXX XXXX # XXXX XXXX & XXXX records of XXXX XXXX XXXX XXXX ). 

Approximately XX/XX/2022, XXXX XXXX XXXX XXXX sent me a message concerning my credit report and a late payment to Capital One credit card # XXXX. Since that date, I have contacted Capital One Customer Service ( First Name : " XXXX '', XXXX, and XXXX others Unknowns ) and explained that I closed both accounts on XX/XX/2022, and requested they correct their credit reporting and that they were not diligent in closing said accounts, cause negative and inaccurate credit reporting as to this matter. 

Furthermore, I submit that on XXXX XXXX, XXXX, Capital One sent me a refund for overpayment as to Capital One account XXXX, which further illustrates that they failed to account XXXX as requested on XX/XX/2022. 

In XXXX, I received another credit card from Capital One for account XXXX, which I did not request. Again, my XXXX attempted to resolve this issue with a Capital One Supervisor, and she suggested that it was my responsibility to contact every person, pharmacy business, etc that my account was closed, in lieu doing their job. 

I respectfully request you investigate this matter and/or refer to the responsible parties for disposition. I will not be corporate bullied and have made numerus request for their civil attorney of record.. and I consider it a enormous waste of time, and lets be clear, I will not stand down.. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Ph : XXXX
Consumer complaint received 2020-01-07
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: AMERICAN EXPRESS COMPANY (VA)

I previously filed a written complaint with the Consumer Financial Protection Bureau against American Express. Please refer to Consumer Financial Protection Bureau complaint number XXXX. 

This is an ADDITIONAL complaint against American Express regarding fraudulent late fees, interest and other fees. I received a demand for {$690.00} from a credit collection agency AfTER my American Express credit card was CLOSED and MY BILL WAS PAID IN FULL so I do not owe American Express any additional financial payment. 

The NAME and CONTACT for the American Express Credit collection agency is : XXXX XXXX XXXX XXXX Account Representative XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX has a SECOND address : XXXX XXXX  Account Representative XXXX XXXX XXXX XXXX Texas
Consumer complaint received 2020-01-07
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. (MS)

XX/XX/2019 my identity was stolen. Someone went to a shady website online called XXXX XXXX XXXX, and submitted multiple attempts to obtain an auto loan in my name. I found this out initially when I started receiving emails from multiple local companies about attempted auto loans in my name. Most of them didn't affect my credit but one local company put a hard inquiry on my report. I went to the store in person, obtained proof of the attempt to obtain a loan in my name. This documentation they of course have on file. The company has yet to contact the credit bureaus to remove the inquiry and both Equifax   and XXXX will not remove the inquiry from my account despite attempts to dispute. They haven't asked for any documentation or inquired for further information. This ONE inquiry has substantially hindered my ability to improve my credit score. Please help! I am part of the Equifax data breach settlement which caused all of this in the first place. My credit accounts have had to be freezed indefinitely until my identity can be restored. Thank you for any help you can offer.
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (WA)

Transworld Systems Inc. sent a collections notice for an unpaid invoice. I am trying to fully satisfy the amount owed. Their online system allows for a one-time payment option, however when trying to use that option, payment fails because " the EmailAddress field is not a valid email address. '' No where in that one-time payment process was an email even requested. I tried to call them on the only phone number listed on the notice ( XXXX ). When connected, the automated greeting does not advise that you are calling Transworld Systems Inc., just that the next available agent will be with you shortly. Once connected, an agent named XXXX was to assist me once I provided the Account Number. I did so and she simply repeated herself 3 times before terminating the call. This happened 5 more times until I called back a sixth time and spoke with another agent. When I provided the account number she advised that she was unauthorized to take any action on this account. She attempted to transfer me to someone who could assist, but was unable to connect me and provided me another number ( XXXX ). I called that number 6 times and each time was disconnected after the automated recording. I called back, was hung up on by XXXX another 3 times. Once connected to the same agent as earlier, I advised her that the number she gave me disconnected me the 6 times that I tried to call. She advised she would try to connect me with a person who could assist. After waiting on hold for 15 minutes or so, I was connected with someone to whom I voiced my concerns and was trying to help me get this issue resolved, however I was told that " a code needed to be changed '' so she could take payment on this account. She advised that she put that request in with her supervisor so that I would not have to be transferred again. Then I was disconnected again. I called the XXXX number back 4 times until I was connected with XXXX. He was able to assist me without transferring me or requiring supervisory approval. 

This runaround took the better part of an hour, all for a {$39.00} balance that I wanted to just resolve in full. I am beyond frustrated with these deceptive tactics first by not having a system that actually allows for payment to be easily made. Second by not identifying the company in the automated greeting. That made me feel like it was a scam. Third, getting the run around from the call center and not being able to assist with anything on the account and being hung up on or disconnected when I was to be " transferred '' to someone who could assist me. No consumer should be strung along for the better part of an hour just trying to pay something, being told someone couldn't help, not getting connected to the right people and continuously being disconnected.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

I recently got a letter in the mail from Chase Bank stating that due to certain transactions I've been making with my account, they want to terminate their relationship with me. I have 13 days to close my account and find another bank. When I called the bank regarding this, they wouldn't state the exact reason why they are closing my account. I also went to a bank branch in person, and they wouldn't tell me the reason there either. I've never been involved in fraudulent activity, so I have no idea why I've received this termination. The least the bank can do is let me know why they have made this decision. I have been a Chase customer for over a decade, and this is the first time I've experienced a major issue with my account.
Consumer complaint received 2023-07-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

My Husband and I went into a Forbearance last XX/XX/XXXX  in an agreement that what we had missed in the forbearance would be deferred to how much we owe on the house instead of effecting our monthly payments. I started making payments again 2 months ago and let them know that i no longer needed the forbearance. They have now stund us with a new " modification " that was never agreed upon. they are telling us we owe backpay of over XXXX and instead of our usual XXXX payment a month, we will now owe XXXX a month or they will put our house in foreclosure. There is no paperwork trail. This was all just recorded on their end and was a verbal agreement over the phone. I have tried to get the recording from them now for 2 days. I have been getting the run around and was finally asked to send a hand written letter to the correspondence office and hopefully get a reply back. We have XXXX  children, my husband is active duty military and we absolutely CAN NOT afford this. how do they expect an active duty family who was on a forbearance to all of a sudden be able to pay a mortgage and a half??? we were LIED to!!!!!!!!!!!! we did NOT agree to this and if i had the recording, i know it would hold up in court. this is SOOOO WRONG to do to a military family that already struggles to survive in a town with no family or friends to help! we are a XXXX XXXX XXXX that share a car and have no one to depend on but ourselves. They are unwilling to work with us, or provide me with the recording. I am so sick over this!
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on Experian when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my Experian, XXXX   and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late twelve times, and I was never 60 days late.
Consumer complaint received 2023-07-27
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: PENTAGON FEDERAL CREDIT UNION (GA)

Theres an account open on my credit report. I opened a ticket with a XXXX asking for the creditor to provide validation, they failed to do so, and refused to remove the debt from my credit report. I currently have a case # XXXX with XXXX asking them to remove it.
Consumer complaint received 2023-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

In XXXX, I received correspondence from my mortgage servicer, that I was almost in foreclosure for non-payment. I called and asked when I didn't make a payment, and they told me it was in XXXX of XXXX. I called my bank and requested canceled checks proofing that I had made the payment and that it was cashed by the loan servicer. I had all of XXXX and every check was cashed. I called again and asked since you are accusing me of not making a payment, tell me which month and I can prove that I made the payment and there is a mistake on your end. Again I called and could not get a definite answer, it was XXXX, it was XXXX. They could not give me an answer. The person I spoke to, XXXX, told me he would talk to his supervisor, and the supervisor would call me on XX/XX/XXXX, at XXXX am EST and tell me when I did not make a payment. The phone call never came. I called again and got another representative, and once again the same thing, this one said my loan started with a rearrange. I have mortgage statements from the beginning and the unpaid amount did not start until XXXX. I am being damaged by this negative credit impact, my credit score has already dropped XXXX points and a loan that I applied for, I was denied because of this issue. What type of financial institution doesn't know when a customer did not make a payment?
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (FL)

On the week of XX/XX/2023 American Express called my husband who has filed for divorce from me several times throughout the week trying to collect {$300.00} from me that is merely only XXXX  month past due. 

American Express does not have my husbands phone number on my file. They went to the internet to search for his phone number and are now calling him nonstop. 

This must be illegal. Please help.
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (CA)

United Collection Bureau Inc is in violation of Privacy Act of 1974. UCB has obtained private information without my consent to use against me. This is identity theft. I received a misleading and deceptive settlement offer from their company on an account that does not belong to me as I have no legal obligation to UCB. Under the FDCPA, they continue to be in violation. consumer will take it a step further in seeking remedy per 15 USC 1692k. Consumer will follow this complaint with a complaint with the FTC for identity theft and fraud, as well as federal lawsuit unless they CEASE and DESIST all current and future collection activities and communication activities.
Consumer complaint received 2018-03-04
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: Santander Consumer USA Holdings Inc. (FL)

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask XXXX  XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXXXXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Consumer complaint received 2018-05-30
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. (LA)

Dear sir or madam, XXXX XXXX has sold off this account to XXXX XXXX. I had already paid XXXX XXXX and the account is statisfied. Since XXXX written off and sold my debt, My contract with them is no longer active, so No contract with XXXX. They need to delete this from my credit report. Equifax need to deleted XXXX XXXX  off my account too.

Thank you!
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX and Experian are both furnishing inaccurate information on my consumer report regarding an XXXX. account. They are both reporting this account as a collection and a charge off. Which one is it. There are a host of Inaccuracies associted with the information furnished.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (FL)

Ive gone ahead and Disputed 3 times with american express serve 4 transactions made in XXXX. Ive even summit ed a police report. They have denied my claim all 3 times and with the last claim denial they close my account stating that I was in violation of member agreement 15 D.
Consumer complaint received 2019-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Immediate Credit Recovery (UT)

Immediate Credit Recovery Inc is the company attempting to get money from me. I did not even know they existed until they started garnishing my wages. I filed BK and when it discharged I got a letter from them in XX/XX/2018. I called and spoke with a representative about rehabilitation. She was not performing the rehab correctly and was not very helpful in trying to get this worked out. I called back to see what other options we had only to be hung up on and now not other phone call or contact and just got notifed about them taking garnishment again. I am in a rehab with another servicer and consolidation with XXXX. They do not care to work things out and it is clear they fully intend to only get their money through garnishment to claim a higher recovery. This can not continue especially since I have XXXX children and a total of XXXX in my house hold.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NC)

I filed a dispute in XX/XX/2023 to Incomm Payments about funds on a giftcard that was purchased in XX/XX/2023. Before I was able to use the card, the card was comprised. Incomm denied me 3 times on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and on XX/XX/XXXX at XXXX ( please see attached documents ). They stated that funds could not be recover and my case had been closed. I filed a complaint with CFPB on XX/XX/XXXX about my concerns with Incomm Payment to resolve the issues of services that were not rendered. 

On XX/XX/XXXX I received several responses from Incomm Payments ; 1. The email/voice message that they stated I received was not true. I did not receive any communication about attempts to recover any funds. They stated in their response on XX/XX/XXXX, they do not have any chargeback rights to attempt to recover funds from XXXX on my behalf. If this is a true statement, then how were they able to received the {$33.00} back from XXXX? 

2. Incomm Payments stated that the card has a Cardholder Agreement regarding Lost or Stolen Cards, the consumer 's Liability for Unauthorized Transactions, well how will the consumer know about this information if the information is inside the sealed packet? Once the card is purchased there is no refund. Please see attachment. 

3. Incomm Payments stated that they place a great deal of importance on customer satisfaction and want customers to have a Positive Experience with their product. According to XXXX  XXXX XXXX, Incomm Payments has had 902 Complaints in the past 12 months and XXXX in 3 years in the same matter as my dispute. These are consumers that had to go through extreme measures, as I have, of filing a complaint seeking recover of loss funds. Please see attachment. 

Incomm Payments has mailed me a {$33.00} Giftcard that was received on XX/XX/XXXX, but failed to rendered the full refund in the amount of {$130.00}, funds that were purchased but never used by me, the consumer. 

All major companies have Insurance to cover their losses, where is the consumers protection when their not given the services that are paid for. 

I'm seeking full refund of {$130.00} for the gift-card that I purchased with no funds on it. After doing a investigation myself and the purchases were made in another state, I'm still puzzled on why InComm Payments refuse to refund my full amount of {$130.00}. 

If I do not receive a full refund of {$130.00}, I will be seeking Legal Action from InComm Payments for their unfair business practices.
Consumer complaint received 2022-12-26
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. (MA)

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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ...., Account name : XXXX XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXXXXXX... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX .... 
Account name : 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 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 XXXXXXXX XXXX 

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 2021-12-20
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. (TX)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-02-13
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. (KY)

I have sent letters via priority mail and fax. I have filed a police report with the XXXX XXXX Police Department via submission number XXXX and an identity theft report with identitytheft.gov via reference number XXXX. I have included this information in each letter which I have sent over 10 times to each credit bureau including the following accounts that are results of identity theft. 

XXXX  : Account : XXXX XXXX Account # : XXXX Account : XXXX  XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX TransUnion : Account : XXXX XXXX XXXX Account # : XXXX XXXX : Account : XXXX XXXX Account # : XXXX