davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

While browsing for an engagement ring on XX/XX/2018, I entered the XXXX XXXX store located on the XXXX XXXX XXXX in XXXX XXXX, MO. The sales representatives in the store mentioned an ongoing limited offer which provided for 0 % financing over 18 months on purchases. I stated that this is something I may be interested in, and they proceeded to request personal information for a " credit check '' to see if I would qualify for the financing and what my credit limit would be should I decide to purchase from them and elect the financing option. Even as I vocally hesitated that I was not sure that I even wanted to purchase anything from them and thus was uncomfortable providing my social security number, the sales representatives assured me that the credit check would not bind me to anything and it was primarily used to see a spending limit as I shop for diamonds. All of this took place before the jeweler brought out any potential diamonds to look at, so it felt as though this was a prerequisite to begin actually shopping at this store. I proceeded to enter my information, and they quickly ran a check and alerted me to how much financing I was qualified for. Eventually, I did not end up purchasing anything from XXXX at all. Over a week later, I received a XXXX Preferred Credit Card in the mail, which was the first time I was alerted that a credit card had been opened in my name. While in the store, there was no firm mention of opening a credit card, there was no purchase made that would require credit financing, there was no manifestation on my part of a willingness or desire to open a credit card through XXXX or Capital One, and there was no clear indication at any point that my entering of my personal information would lead to the opening of a XXXX credit card account.
Consumer complaint received 2019-01-06
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: CITIBANK, N.A. (NJ)

I used my card to purchase a few pieces of clothing from a website XXXX for {$51.00}. Shortly after the purchase an email was sent stating items shipped. There was a broken link and no tracking number. When I went to the site it was shut down and I never received items. Citibank claims they got a response to my claim for the charges with 1 line of text just describing the order. No tracking information provided for proof of shipping. They are not refunding the money to me and dragging their feet to go after the scammers.
Consumer complaint received 2023-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MI)

My phone and credit cards that attached to my account was stolen and used by the Thief. they made two transaction that was not authorized on my behalf on my account .they send my money to other accounts that I cant see anymore but I Reached out to cash up multiple times they declined my dispute. Didnt really give information on why it was declined. It just says a payout and a recipient names. also, reached out to customer support with Cash App Multiple times. Customer service reps was really rude hanging up the phone wont let me talk to the manager.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (GA)

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I was approved for the XXXX XXXX American Express credit card which had a bonus of XXXX reward points with {$5000.00} in purchases within first 3 months. I called up the number of my card and verified that buying Amex gift cards would allow me. So I purchased {$5000.00} gift card. 

The Amex representative in early XXXX again confirmed that I will be receiving XXXX in points within 4-6 weeks and now they are declining and saying I am not eligible for the points! 

Investigation number XXXX
Consumer complaint received 2019-01-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AL)

We lost our household main income in XX/XX/2016 and got behind.We saved our house 1 time before and had to pay over XXXX dollars to do so as first loancare said you owe XXXX which is way larger amount than our amount of delinquency. We got loans sold items paid the amount. Then they said it wasnt made in time, house was already sent to foreclosure we had to pay another XXXX to get it from there and back to legally mortgage. We almost lost everything we owned cars etc to pay this amount but saved it. Now owe so much on loans we had to save it the 1st time we got behind again this year. Weve offered fo pay 2 months as they are saying 3 are due even if XX/XX/XXXX. Isnt even here yet, but they said theyd refuse them. I'm calling HUD on Monday, but there has to be some help out there with these people. It is every 6 months them doing something mike this to us. Weve tried the loss mitigation with the company they refuse is except the 1st time 24 mo ago lowering our payment by {$20.00}. But that was prior to the job I was at letting me go.
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (MI)

This debt collector, Makes multiple calls a week, Tell them I need them to mail me a written debt validation letter, they say they mailed it out, XXXX months later more phone calls ( never received a letter ) Tell them I never received it well it's not our fault must be the XXXX. Ask them to fax it.they won't do that because it's not my personal fax, ask to email and they said it would be in my email by the next day by XXXX, well it's now XXXX after that and still no email. 
Ready to lawyer up this is harassment at its finest.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (CA)

This is ridiculous! I have been disputing for the removal of the fraudulent items from my Credit report and yet the Credit Reporting Agencies have done nothing! I started disputing for the removal of the fraudulent items from my Credit Report since XX/XX/2022 and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft. If the Credit Bureaus claim that the information they report are accurate and verified, I need the Credit Bureaus to send me copies of documents bearing my signature as proof of verification. If the Credit Bureaus are not able to provide the requested documents, and continue the reporting of the disputed items, please understand I will initiate legal countermeasures. If it is not that too much trouble, please remove the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-27
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)

well i was watching the news and they was talking about Equifax reporting the wrong information for millions of people and that everyone who was impacted by this credit score drop or raise by 25 points so i then went and check my credit score and noticed my score drop by 24 points and I had 8 Inquiries and 1 account that I did not authorized I then called equifax and told them about the inquiries and they told me that they are sorry but the inquiries will stay there for 2 years and that they could not take it off only if i had a FTC report is the only way they can take it off the inquiries are ( 1 ) XXXX XXXX XX/XX/2022 ( 2 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX Bank XX/XX/2022 ( 4 ) XXXX XXXX XXXX  XX/XX/2022 ( 5 ) XXXX XX/XX/2022 ( 6 ) XXXX XXXX XX/XX/2022 ( 7 ) XXXX XXXX XX/XX/2022 ( 8 ) XXXX XXXX XXXX XX/XX/2022 and account XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-03-08
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 recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit.
Consumer complaint received 2019-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

For 3yrs, i have notified the CRAs of fraudulent information on my credit. For 3yrs they just reverify ... everything ... so on XX/XX/18 i sent an internet to sue letter. They're response was ... ... they now report i owe over 1 million dollars in student debt! I really owe XXXX per my monthly statements. One of these student loans shows me 120days late from the day it opened ( while i was in school/ deferred ) My life has been affected in so many ways ... where i live, where i work, what i drive, where my kids vacation, my self esteem and my health. 
XXXX XXXX XXXX keeps moving my last activity date forward and checked my credit to file a lawsuit against me. 
Being rude and impossible to talk to. 
I have a recent XXXX collection but have been with XXXX  for 5yrs! I have a first XXXX credit card collection that was never mine ... 
No one will provide me evidence of where there getting these from. 
XXXX reported me 30 days late and i wasn't..i disputed it..so they updated those months to current then reported other months late! Causing me a credit score decrease of 60pts
Consumer complaint received 2019-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Deposit was done via atm on XX/XX/XXXX. The same day the bank reversed the deposit. I immediately call the bank to get an explanation on why the deposit was reversed and they said it was due to endorsement. I had review the deposit and endorsement and they admitted to making en error in the reversal. The funds were to be available on XX/XX/XXXX as per the original deposit slip. On XX/XX/XXXX the atm department redeposites the check. However, this time the put an extended hold until XX/XX/XXXX. I have submitted proof the check cleared the bank and the check was paid on XX/XX/XXXX. Even with supporting documentation they have not released the hold claiming the funds are u collected. In the meantime my business is on hold due to lack of working capital.
Consumer complaint received 2019-01-05
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: Experian Information Solutions Inc. (OH)

For 3yrs, i have notified the CRAs of fraudulent information on my credit. For 3yrs they  just reverify ... everything ... so on XX/XX/18 i sent an internet to sue letter. They're response was ... ... they now report i owe over XXXX XXXX dollars in student debt! I really owe XXXX per my monthly statements. One of these student loans shows me 120days late from the day it opened ( while i was in school/ deferred ) My life has been affected in so many ways ... where i live, where i work, what i drive, where my kids vacation, my self esteem and my health. 
XXXX XXXX XXXX keeps moving my last activity date forward and checked my credit to file a lawsuit against me. 
Being rude and impossible to talk to. 
I have a recent XXXX collection  but have been with XXXX  for 5yrs! I have a first XXXX XXXX XXXX collection that was never mine ... 
No one will provide me evidence of where there getting these from. 
XXXX reported me 30 days late and i wasn't..i disputed it..so they updated those months to current then reported other months late! Causing me a credit score decrease of 60pts
Consumer complaint received 2022-08-27
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. (MN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX BANK XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, Medical XXXX Balance : {$96.00} Medical XXXX Balance : {$110.00}, Medical XXXX Balance : {$10.00}, Medical XXXX Balance : {$75.00}, Medical XXXX Balance : {$21.00}, Medical XXXX Balance : {$80.00}, Medical XXXX Balance : {$210.00}, Medical XXXX Balance : {$31.00}, Medical XXXX Balance : {$310.00}, Medical XXXX Balance : {$28.00}.
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: AMERICAN EXPRESS COMPANY (GA)

A debt collection consolidation company I contracted with back in XXXX last year must have asked for proof of debt from American Express 's debt collection agency, XXXX XXXX XXXX, on or around XXXX/XXXX/XXXX. The company I contracted with, XXXX, XXXX, never told me they were requesting this information so I was surprised when the XXXX & XXXX lb. package arrived at my door opened, contents spilling out. I believe XXXX XXXX XXXX deliberately sent the information to my home instead of XXXX to deliberately cause me financial harm and compromise my personal information. I have know way of knowing how many eyes had access to my credit history going back to XXXX. I will upload pictures of the packaging as received at my home.
Consumer complaint received 2018-01-30
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: CITIBANK, N.A. (CA)

Sent 2 certified letters I was told debt was VALIDATED ( not a verification ) I did request that this debt VALIDATED be sent to me with Certified Copies of the TRUE BILL ( not a statement ) & the Original Contract with my Wet Seal Signature on it I was not sent this information this is Now A Demand for this account to be VALIDATED ( not a statement ) to show proof this debt belongs to me this is now my 3rd request for this information if debt can not be proved the account has to be removed I do expect this within 15 days after being notified this complaint was received send this proof to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX California XXXX this address needs to be updated on this account also and send all copies of all requested information also to my email address XXXX XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (AZ)

Im a cash app customer and I made a withdrawal on the day the systems went down. I filed a complaint and because I asked for a supervisor XXXX from cash app said they wouldnt do anything for me. They have stood true to this. XXXX bank has sent me a letter stating that the error was discovered and that my funds were sent back on the XXXX and yet they havent returned my funds to my account. They wont accept the letter that the bank has sent me and to them. My next step is small claims court.
Consumer complaint received 2023-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Last year 2022 my mortgage company XXXX XXXX offered homeowners who were struggling with the Covid 19 pandemic a forbearance plan for their mortgage payments. Mine was put into that. My mortgage payments are not 9 payments behind they are current and up to date. I am Not behind on any payments. Ive already spoken with them about this issue and they informed me to dispute the claim as this was not supposed to be reported to the credit bureau as any form of missing payments. This has tremendously impacted my credit score. I would like this matter resolved as quickly as possible.I have already disputed the claim but it did not get resolved.
Consumer complaint received 2023-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I had to dispute a merchant transaction. They found it in my favor and claim the funds were posted back to my account. This is not true. I've gone through the transactions and it's never been posted. They have had multiple outages and I don't have any other way to get resolved. 
{$23.00} XX/XX/2023 XXXX
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

CapitalOne is engaged in devious and deceptive billing practices which disadvantage the consumer. Periodically they offer a balance transfer option with a % fee of the amount transferred and 0 % interest if paid off prior to expiration date. The problem is that there is no way to track the balance amounts of the balance transfes and how payments are applied. There is a total lack of transparency on the monthly statements. The Customer Service Representatives ( CSR ) freely admit that it is impossible to track using the monthly statements and that they are privy to information the consumer can not see. It is a painful process to get through the automated recordings to actually speak with a CSR. The CSR 's struggle to explain in clear, concise language and figures how payments are applied and why the transfer balances are what they are. I have been asking for over a year to have the statements updated so that there is transparency in billing, all to no avail. Recent example : I made a payment of {$1200.00} on XX/XX/2020. {$60.00} for current charges and {$1200.00} to go to an outstanding balance transfer that I am trying to pay down before XX/XX/2020. After two phone calls with different CSRs, I found out that they only applied {$530.00} to the balance transfer and {$720.00} was applied to " purchases ''. Payment for these purchases is not due until XX/XX/2020. There is nothing on the current statement that reflects how the XX/XX/2020 payment was applied, and they still billed me for {$800.00} of purchases. So, in order to pay off my transfer balance and keep current they say I owe {$1700.00} by XX/XX/2020. This amount includes the {$800.00} which they claim they applied {$720.00} against. I posit that it is deliberate, and the non-transparency is specifically designed to cull more revenue from unsuspecting consumers who are trying to pay their bills and pay them on time. If I miss the XX/XX/2020 payoff date then I will owe additional interest for almost an entire year on {$3900.00}. All through no fault of my own. To have zero transparency plus arbitrary and capricious application of payments is simply wrong. They count on consumers giving up in frustration and simply paying what they see on the monthly statement despite the fact the statements are inaccurate. How many more people like me are out there who have been duped and deceived and paid more than they needed to? They can't tell me where my {$720.00} went, only that I still owe them almost {$1800.00}. They should not be allowed to get away with this. Please stop them. Credit card companies are pillaging consumer with high rates, denying credit and reducing credit lines which affects credit scores for no valid reason all in this time of Covid with high unemployment and people not able to feed their families. Someone needs to investigate and put them back in their box.