davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
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: DISCOVER BANK (FL)

Failure of Discover to investigate chargeback dispute in good faith On XX/XX/XXXX, I booked a trip to celebrate my 50th wedding anniversary with XXXX XXXX XXXX  ( XXXX  ) ( Reservation Number : XXXX ). I have uploaded the Invoice from XXXX. 

On XX/XX/XXXX, I discovered, while visiting the XXXX  web site, that XXXX   had, without my knowledge or consent or informing me in anyway, rebooked our trip for XXXX. 

Since XXXX  was NOT providing the travel services I purchased, in accordance my contract with XXXX  ( copy uploaded ) and with the Massachusetts Law ( 940 CMR 15.06 Sellers of Travel Services Acting as Tour Operators - copy uploaded ) I informed XXXX  on XX/XX/XXXX that I rejected the rebooking and required a full refund for the canceled trip. 

I filed a dispute with Discover ( Dispute # XXXX ) for the {$15000.00} charge to my account ( Discover : XXXX ). The other charges were also disputed and have since been settled with the charges being refunded by XXXX. 

Discover was provided with all the documentation above ( the contract and the Massachusetts Law and a copy of the XXXX cancellation of our trip  ) that demonstrated that we were entitled to a full refund. Discover denied our chargeback and the dispute was closed on XX/XX/XXXX. I have uploaded the closure letter from Discover. 

I then sent Discover a copy of an e-mail from XXXX, dated XX/XX/XXXX, in which XXXX XXXX acknowledged that we were due a full refund ( copy uploaded ) for our canceled trip and indicated that a refund would be made ONCE THEY WERE NOTIFIED BY DISCOVER THAT THE DISPUTE HAD BEEN CLOSED. 

Discover then reactivated, on its own authority, the dispute on XX/XX/XXXX and sent an Arbitration Notification to XXXX. ( copy uploaded ). Since this was contrary to the request in the XX/XX/XXXX e-mail from XXXX XXXX that the dispute had to be closed for XXXX  to process the refund, I call Discover and requested that they close the dispute and notify OAT so that I could receive my refund. 

Discover closed the dispute but FAILED TO NOTIFY XXXX  AND HAS CONTINUE TO REFUSE MY REQUEST TO NOTIFY XXXX  OF THE CLOSURE. I have uploaded an e-mail from XXXX, dated XX/XX/XXXX, in which XXXX XXXX indicates that XXXX  has NOT been notified of the closure of the dispute and has therefore NOT process my refund. 

Discover has acted in BAD FAITH by not finding in my favor despite the documentation provided. I have also uploaded a chat segment with Discover dated XX/XX/XXXX that shows that Discover was notified by XXXX   that XXXX  accepted financial liability. Discover failed to post a refund for {$15000.00} to my account despite knowing that my dispute was valid and has obstructed my attempts to achieve a resolution with XXXX by refusing to notify XXXX that the dispute has been closed.
Consumer complaint received 2024-03-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXXaccount and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NE)

On XX/XX/XXXX I found after several phone calls and investigative questions that a company by the name of LexisNexis reported false and derogatory information regarding an accident that I was involved with onXX/XX/XXXXin the fact that according to XXXX XXXX, their 3rd party reporting company " LexisNexis '' provided a report stating that the NE DMV records purportedly revealed that I was " At Fault '' pursuant to a Nebraska DMV record they pulled. Because of this information, my rates were provided at an increase for insurance product. In arguing the finding I was told that XXXX used this 3rd party reporting company and that there was nothing that could be done ... WHAT??? So I'm just supposed to sit back and eat that proverbial sandwich? Not hardly!

I immediately contacted the Nebraska DMV who provided ( at the cost of {$3.00} ) a report that clearly states " An entry for an accident which may appear below is for statistical purposes only and does not indicate a determination of fault '' and went on to describe the date and report number of this accident. Further, the Gentlemen at the Nebraska Department of Motor Vehicles stated that they do not provide any information of guilt or not for an accident, so they do not know where XXXX  or LexisNexis would have pulled this information.

I then personally drove to the XXXX  NE Police Department and obtained a copy of the police report from the accident which CLEARLY INDICATES that the other driver was AT FAULT AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, causing me bodily harm and totaling the vehicle in which I WAS DRIVING.

This blatant and outright defamatory information that this 3rd party company " LexisNexis '' is providing to XXXX knows who is absolutely uncalled for and erroneous in every fashion with respect to this matter, in addition it has cost me at this point over 3 hours of my time and personal expense to correct an issue that absolutely otherwise does not exist in any NE DMV or XXXX  Police Department or public office.

I find this to be a gross negligence of their actions and a dereliction of their responsibility to properly report the public findings on me, and if this information is incorrect, what else is, and who else have they done this to that may or may not realize it ; especially when at the end of the day their negligence causes a rate increase that is not warranted or called for and blemishes my otherwise impeccable driving record!
Consumer complaint received 2024-03-16
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (VT)

In late XXXX early XXXX my XXXX was hacked and my credit card was on there. They made two payments to themselves one was {$500.00} and the other was {$300.00}. They then got into my credit card made a payment to my balance and then returned the payment. I then called my credit card company ( capital one ) to issue a complaint. They asked for me to provide my banking information which I did but they wanted the bank account that is not mine. They will not unrestricted my account until I prove that it is my account, I have told them that it is not and I can not prove that its mine and they told me my account will stay restricted until I prove the account is mine. I have changed my password and on their end it says I haven't.
Consumer complaint received 2022-02-17
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: WELLS FARGO & COMPANY (SC)

XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account WELLS FARGO BANK. I contacted the data furnisher and CRA requesting to review my account. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the parties.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I paid off thru a settlement transaction an old derogatory account of a Credit card that belongs to XXXX XXXX XXXX ( XXXX ) XXXX XXXX with a 3rd Party ( XXXX XXXX XXXX XXXX ) and I will be closing my first home in XXXX County Area in Florida the next XX/XX/XXXX. so the Lender is financing me gave me the opportunity to try to expedite the process of report the account properly in all 3 Credit Bureaus Companies as soon as possible to try to raise my XXXX/Credit Score and Report, in order to prevent high interest mortgage loan that i should not deserve if I was responsable paying off accounts that affects my Credit in General
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (GA)

I recently opened a credit card with Wells Fargo against my better judgement. ( I have been married for the last 6 years and nothing in regard to my personal identification information had changed, including last name, social security, DOB, etc. ) Naturally, I could not enroll online until I received the card because Wells Fargo requires consumers to provide their social security number, DOB, and card ( or account ) number when enrolling. Once I received the card, I attempted to enroll online, but received an error. I then went through their process to confirm the card ( also online ) and they were able to fully accept the information provided. So now, I have my card in hand and full ability to use it - but no way to see activity or pay balance without calling their [ horrible ] customer service line or mailing a paper check, which I find to be risky, time and resource consuming, and in 2024, absolutely unnecessary. I contacted the customer service line on the back of my card, provided my social, last four of card #, DOB, and CVV code. Ironically, they were able to identify me with the information provided, but ultimately told me I would have to go into a branch to resolve the issue. I asked if they can tell me the nature of discrepancy ( literally the data field that is wrong ). Both XXXX and his Supervisor, XXXX, told me they can not tell me for security purposes. I reiterated that I am not looking for the specific name, number, or whatever is it that they are showing, but to tell me the field name ( last name, DOB, SSN, etc ) so that I can be prepared with the correct information when entering the branch. The supervisor XXXX eventually stated I only need to bring in my Driver 's license, and that they do this to protect my security. I told them they aren't protecting me as the consumer, because they've already activated the card with {$10000.00} credit limit and have given full usability to charge it. I just can't sign on to see activity or make payments and based off the quality and length of this call so far, I doubt their ability to help me further when I need to make payments. I then asked them to close the account, to which I was refused! So now, I have to go into a branch. ( This has already been a weeklong process and the branches are closed until Monday. This means I have to now take time off of work, to go into a branch, for them to tell me what is wrong and potentially not even resolve my issue. ) I would like for Wells Fargo to close my account, remove all inquiries related to this account from my credit file, and never contact me again for promotional offers that they refuse to honor.
Consumer complaint received 2022-02-17
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. (OH)

On XX/XX/2021, I sent a letter regarding the Late payment reversal on my credit report.

On the Attach proof, I encircle the late fee reversal which they charge me by mistake.

15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Consumer complaint received 2022-02-17
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. (GA)

I XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to seek remedy of the situation but would not help me correct these fraudulent an inaccurate accounts. 
1.XXXX account # XXXX date open : XX/XX/XXXX balance : {$440.00} 2. XXXX XXXX account # XXXX date open : XX/XX/XXXX balance : {$320.00} 3.XXXXXXXX XXXX ( original creditor:XXXX XXXX account # XXXX date open : XX/XX/XXXX 4. XXXX XXXX ( original creditor:XXXX XXXX ) account XXXX XXXX date opened : XX/XX/XXXX balance : {$100.00} 5. XXXX XXXX  ( original creditor : XXXX  ) account # XXXX date opened:XXXX balanced : {$380.00}
Consumer complaint received 2020-11-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (HI)

Mortgage servicers engaged in real estate mortgage backed securities fraud. 
This complaint is a request for competent documentation on all dates of endorsements of the original note, and all assignments of mortgages recorded or unrecorded that were created by loan servicers from date of mortgage to date of this complaint. 

Please see attached assignment of mortgage ( exhibit B ) which is dated and notarized on XX/XX/XXXX which states ( assignor ) XXXX XXXX XXXX XXXX by its attorney in fact XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX. 

( Assignee ) XXXX XXXX  XXXX XXXX XXXX, as XXXX XXXX  XXXX XXXX XXXX XXXX Mortgage Asset backed pass-through certificates, series XXXX QA2 c/o XXXX XXXX XXXX XXXX XXXX 



Shellpoint that is claiming servicing rights needs to explain ( exhibit B ) assignment of mortgage.

Shellpoint needs to respond to my qualified written dispute letter ( Exhibit c ) in response to their validation of debt notice dated XX/XX/XXXX ( exhibit A ) received XX/XX/XXXX. 



Shellpoint Is engaging in mortgage backed securities fraud which is a federal crime and needs to be investigated. Will be reported to the securities and exchange commission.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the XXXX Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX : {$250.00} ( Original Creditor : XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXXBalance : {$1400.00}
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2021, I sent a letter regarding the Late payment reversal on my credit report. 
On the Attach proof, I encircle the late fee reversal which they charge me by mistake. 

15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XX/XX/XXXX Ford Motor Credit Company Customer service Credit dispute department XXXX XXXX XXXX XXXX Ohio XXXX Dear Ford Motor Credit Company, I am writing to address a recent issue regarding a late payment on my XXXX XXXX XXXX XXXX. I apologize for the inconvenience and want to provide context for the delay in payment. 
Unfortunately, my XXXX XXXX XXXX  account was flagged and hacked, which prompted me to take immediate action to secure my finances. As a result, I had no choice but to close the compromised account and open a new one with XXXX XXXX XXXX. During this process, I was assured by XXXX XXXX XXXX  representatives that my direct deposits, including payments to Ford Motor Credit, would seamlessly transition to the new account for the next six months.

However, it has come to my attention that this transition did not occur as expected, resulting in a delay in the processing of my payment to Ford Motor Credit. I understand the importance of timely payments and take full responsibility for ensuring that my financial obligations are met promptly. 
I want to assure you that steps have been taken to rectify this situation, including updating my payment information with XXXX XXXX XXXX  and setting up automatic payments to avoid any future delays. 
I value my relationship with Ford Motor Credit and am committed to maintaining a positive payment history. I appreciate your understanding and cooperation in resolving this matter promptly. If there are any additional steps I need to take or if you require further information, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-16
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. (NC)

The unverified accounts specified below continue to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not verify these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$27.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I.c. systems recently deleted a false account that was added to my credit report XX/XX/XXXX with a balance of XXXX XX/XX/XXXX they placed another inaccurate collection on my credit report with false open dates after I received a letter stating that the debt will not be re-reported by the company itself to the credit reporting agencies. The letter I received from this company is a credit reporting removal. How is it added back on my credit report?
Consumer complaint received 2018-10-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (CA)

I owe money and I asked if we can do a payment plan and they said no they wanted XXXX or XXXX by the next day no questions ask. I explained I have a budget and I cant afford that amount. I told them I ll do what I am offering a payment plan of XXXX a month they said no. I specified to them I work from XXXX to XXXX XXXX I am XXXX XXXX XXXX and cant have calls at work and they said the calls will continue. On top of that they yell and speak to me demanding and bullying me. The name of the collection agency is Receivables performance
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

PORTFOLIO RC XXXX Balance Owed : {$820.00}