davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (IA)

I paid this card off and requested with a Penfed employee on the phone in XXXX. I was advised on the call it had been paid off and cancelled as per my request. I received a letter in XXXX saying my account was past due from a purchase in XXXX. I advised I had closed that card in XXXX and was advised via phone that my request had been executed. I placed the card in the company any shred bin ( as I have always done with any card I close ). Penfed advised there were two purchases made in XXXX which are not my purchases. They are now saying since the card wasnt cancelled until XXXX ( when I called about the charge and advised that the card had in fact had not been cancelled when one of their employees advised my request was executed as requested in XX/XX/2021 ) I am unsure why the employee advised it was cancelled in XXXX when it was in fact not. They are trying to hold me accountable for the {$960.00} due to what I feel was a mistake on their employees part. Of course if I find out in XXXX a purchase was made on a card I was told was cancelled in XXXX, I requested once again the card be closed and that it had NOT been in my possession for months. 

I am a single mother and always pay my bills on time but refuse to pay for something I did not purchase and be held responsible for a mistake on their employees part. I have tried and tried to explain to them that I was told the card was requested cancelled in XXXX and was told it was by one of their employees and the only reason I requested it closed in XXXX is because then I realized someone XXXX their end had in fact Not cancelled my card when they advised they had. They will not listen. 

I do not have the card information as I havent had this card in my possession since XXXX. 
The only way they found me in system lately when I have talked to them is with last XXXX of ssn and address. Address has been provided XXXX is ssn information. 

I am afraid this is adversely affecting my credit and this is concerning to me. If it in fact is I want it completely removed and resolved.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NV)

I received an email asking if I wanted to earn passive income by allowing my car to be wrapped in an advertisement. I filled out the form and submitted it. A week later I received a letter in the mail stating I was selected, with a check ( Ck amt {$4900.00} ), and instructions on what I need to do to have my car wrapped. The money was supposed to cover the wrap and my first week payment upfront. I followed the directions and deposited the check into my personal checking account and waited for the funds to be available. The funds were made fully available the next business day and I went to the bank and withdrew the funds. I the took the money and went to XXXX where I created XXXX money orders totally {$4000.00}. I was then instructed to over night the money orders to name : XXXX XXXX address : XXXX XXXX XXXX XXXX NY XXXX. I completed all steps and thought I would be receiving a call to set up my appointment to go have my car wrapped. The next day I received an email from my bank stating I was withdrawn ~ {$1800.00} in the bank. I contacted the bank and they stated I deposited a fraudulent check and that I was responsible for the full amount of the check. I attempted to stop the money orders with no luck as the package had already been delivered. I called my bank Wells Fargo and submitted a claim. Wells Fargo stated that my claim was denied because they fronted me the money in good faith. I stated I deposited the check in good faith and if the check was bad I would have preferred they hold the money until the check cleared. I have all the documentation with me. I have filed a compliant with my local law office, the federal trade commission, and with my bank.
Consumer complaint received 2021-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

My FHA loan through Wells Fargo has a mortgage insurance payment each month. I have lived in this house for almost nine years and requested to know the date that the mortgage insurance will end. About a month ago, I received a notice from the accessor that my home value has increased to $ XXXX. The value of the home has increased each year I have lived here since 2012. The original loan was for $ XXXX. I now owe a little over $ XXXX. I have called a few times to ask which loan-to-value ratio are they using - the bank 's value or XXXX XXXX accessor 's value. The only answer they will give me is that they can not discuss my account over the phone and will send me a letter explaining what I need to know. One agent told me she thought it was based on the original loan amount not the actual value of the house. Tonight 's phone call, the agent said that I may be able to escalate the issue to someone who will discuss it with me. But for now my escrow statement will include the PMI until I meet the removal requirements. That I needed to wait until after the next letter is sent then I could possibly get the new escrow report if necessary. Why can't they tell me the month and year the insurance will end? And why hasn't it ended already since I've paid more than the 8year requirement and the value of the house was high enough a few years ago? I feel like I'm getting the run around.
Consumer complaint received 2022-05-19
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: Exeter Finance, LLC. (AL)

In accordance with the fair credit reporting act XXXX  account *XXXX  XXXX XXXX XXXX XXXX  XXXX *XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account withouth my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (NC)

I was approved for a loan however upon receiving the loan and viewing the APR they are charging almost 800 % interest rate turning a {$1000.00} loan into a $ XXXX loan.
Consumer complaint received 2022-05-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX  and myself! Please send the proper validation
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NVR INC. (MD)

I signed house purchased contract with NVR Home in XX/XX/XXXX and got approved loan from NVR Mortgage in XX/XX/XXXX. At the time the expecting delivery date is between XXXX and XX/XX/XXXX. I decided 20 % down payment. However real settlement date is XX/XX/XXXX and I was able to save more money for down payment. On XXXX XXXX, I email Sr. Loan Processor XXXX XXXX XXXX that I want to increase down payment. He referred me to Loan Officer XXXX XXXX XXXX. XXXX XXXX called me, so I do n't have written record, that I have to extra processing fee in thousands by rough estimation. The better option is to recast afterward which is free in XXXX times. I took the offer. 
In XX/XX/XXXX, my loan was resold to XXXX XXXX. 
After I sold my old house, I call XXXX XXXX, XXXX XXXX XXXX for recast. 
She said that I have to {$500.00} fee. I told her that this is my XXXX recast and it should be free. She said that she had to check with previous mortgage and asked contact information. So I forwarded NVR Mortgage loan officer contact information. 
Several days later, she emailed me that I have to pay {$500.00} and asked me contact NVR Mortgage. I emailed XXXX XXXX and he said the charge is at discretion of mortgage company and denied he said it 's free. 
I had no idea what is recast until he mention it. Had he said it 's not free, would n't I chosen pay higher down payment? 
I feel being deceived. Both mortgage companies are benefit of charging me more.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OK)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (MI)

On XX/XX/2022, I received a debt collection notice from IQ Data for a debt of {$91.00} supposedly owed to my former apartment, XXXX XXXX XXXX XXXX. On the same date, I spoke with XXXX XXXX via telephone, who stated that I was paid in full and the debt must have been sent to collections by mistake. We moved out of XXXX XXXX on XX/XX/2022, and were not notified of any outstanding balance. 
The {$91.00} fee is question was paid to XXXX XXXX on XX/XX/2022, the day we became aware of the charge in our online account, and before we received a bill for the charge. 

On XX/XX/2022, I requested a letter from XXXX XXXX stating that this debt was mistakenly sent to collections. I received the letter from XXXX XXXX stating we did not owe any debts. 

On XX/XX/2022, I sent the Park Place letter, screenshots of my online portal payment on XX/XX/2022 of the fee in question, and a personal letter to IQ Data explaining that this is not a debt that I owe to Park Place. 

On XX/XX/2022, my wife, XXXX XXXX, also received a debt collection notice for this fee from IQ Data. On XX/XX/2022, I contacted XXXX XXXX via email requesting them to notify the debt collector of their mistake in sending this to collections. 

On XX/XX/2022, I received a phone call from IQ Data, who asked me to confirm my refusal to pay this debt. I explained the situation to IQ Data and stated I sent them the required documentation to dismiss this debt via mail on XX/XX/2022. IQ Data stated they had not received my letter and requested that I email it to them. I emailed them all documents that I had previously mailed.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have various late payments on my credit report from my capital one credit card from 2021 and they are not accurate. I have tried reaching out to capital one but they are not providing me with the information I requested, nor are they interested in rectifying the situation. 

According to USC Code 1666b, " a creditor may not treat a payment on acredit card account under an open end consumer credit plan late for any purpose ... '' I did NOT receive a statement, rather via mail or email, from Capital One informing me of due date within 21 days of my the due date. 

I would like for the late payments to be removed immediately.
Consumer complaint received 2022-05-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX. I have the right to demand and see the contract between XXXX and myself! Please send the proper validation
Consumer complaint received 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act Account 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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (TX)

I got a call from a " XXXX XXXX '' calling on behalf of the county process server 's office in the XXXX XXXX area. Telling me I must contact the attorney in charge " XXXX XXXX '' at XXXX. Failure to do so will result in me getting a failure to appear in court. When I called the number, I was put on hold a few times, then spoke to " XXXX ''. She informed this is to collect on a debt from Providian. I never recall having an account with Providian. She was did now the last four of my SSN an accounts I do currently have as well as an old pace of employment. But needed to give her my current mailing address. ( I did not ) She told me the interest alone has brought this to over {$30000.00} but are willing to take a one time payment for {$3300.00}, then later told me I could do four payments of {$500.00} totaling {$200.00}. She did clam the last activity on this account was in 2018. Again I do not every recall having an account with Providian. Doing so would clear this dept. Failure to do so will result in a lawsuit for the full ( over {$30000.00} ). Also that her client can take me to court without my knowledge. I did not promise to pay any amount.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MI)

While I was incarcerated my home was broken into. My credit karma debit card was stolen from my home and was used to make purchases that were not Authorized by me. I had filed dispute with credit karma spend and was never given a provisional credit like they said they would by the XXXX day. On the XXXX th day my disputes were denied, how they did their investigation to come to that conclusion is beyond me. I filed an appeal to have disputes reviewed and was denied again. I was told that I was a liar and I wasn't incarcerated like I said I was. That they contacted the place I said I was incarcerated at and they told them there was no record of me being there.. which is probably true they wouldn't have no record because I had my record sealed/expunged. Unless there is a court order credit karma spend can not see or ask about me bring incarcerated. I sent them everything they needed to see about my where abouts. I still have my paperwork from when I was incarcerated so I can show anyone I would like to.. I just want my money back that I didn't authorize. Also I would like the merchant to prove I was the one who authorized these transactions.
Consumer complaint received 2019-11-21
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Cap One # XXXX is reporting an account that I do not owe and should not be on my credit. I was scammed for the XXXX and I filed a report with the FBI. I do not owe this it is fraudulent and it needs to be removed from my credit.
Consumer complaint received 2022-05-19
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: American Credit Acceptance, LLC (AZ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

My XXXX XXXX XXXX payments since 2015 do not show anymore on my latest report ( attached - see page 5 ). These payments were all listed complete in the XXXX Report ( attached - see page 5 ). Note that other bank cards are showing all payments correctly.
Consumer complaint received 2022-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

I am submitting this complaint on behalf of my XXXX XXXX XXXX father. He purchased what he thought was health gummies that were purporting to cure XXXX from a company based in Florida for what he thought was XXXX. However, when he gave them his credit card he was charged XXXX. Once his realized this, he immediately contacted this company to cancel the order and they refused, claiming that the order had shipped. My father then contacted me to help him and I contacted Capital One on XX/XX/2022 to dispute the charge with my father on the phone. Because I had read that this company has been fraudulently taking advantage of consumers and will charge the account again when disputed, I asked the Capital One to cancel the credit card and to send him a new one. We were instructed by the agent to immediately return the product upon receipt and to take pictures of everything. Once he recevied the product he immediately returned and we documented everything. However, once the company received the returned product, they immediately re-sent it and charge my father 's canceled Capital One credit card XXXX again XX/XX/2022. The credit card company applied the new charge to the new credit card while we were disputing the previous charge. My father did not authorize this secondary charge and we did not understand how this could happen since we canceled the original card. I contacted the credit card company and explain all this and I was told to submit all documentation I have regarding this, which I did. The credit card company has refused to dispute the second charge and the company who sold the product is not responding to my father 's request for a refund, even though his has returned these gummies twice at his on expense. He has not received another shipment or communication from this company. The last response I received from Capital One is that we have to find a similar merchant that will provide an affidavit stating that this product was not worth the cost and its claims were unsubstantiated. This company is a fraudulent company taking advantage of seniors. The billing on the statement is XXXX XXXX. It is XXXX oil gummies claiming to cure uncurrable XXXX. Where will I get such an affidavit and from whom? Capital One is refusing to dispute the second charge, even though it should have never occurred.
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, I believe closing my paypal account was a mistake. Im using my paypal account since XX/XX/2022 for online freelancing and online paying digital goods and services like electric load. My account XXXX has a stuck funds amount XXXX and I need to withdraw for emergency purposes. Im hoping that you will help me to get back my account. Thank you Pls see attached my valid ID.
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd (NY)

Nationwide recovery has called me multiple times trying to collect a debt. On XX/XX/2022 nationwide recovery sent me a letter in the mail attempting to collect a debt that is not mine. National wide recovery violated my consumer rights by making multiple phone calls to my telephone and sending me post cards in the mail.
Consumer complaint received 2022-05-19
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. (MS)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX CO ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX  ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX BANK XXXX XXXX Account # XXXX, DEPT of ED/XXXX ; Account # XXXX, XXXX XXXX  ; Account 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 a account without my written instructions
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I recently pulled my annual credit report to review after applying for new products issued by my bank. 

I discovered that my credit was pulled XXXX different times on XX/XX/ 2023, which resulted in XXXX hard inquiries showing on my report. 

To the best of my knowledge, there was never meant to be that a hard pull taken place while i was exploring the products. I was concerned to learn my report is showing my credit was pulled without my consent. The companies are listed in XXXX as capital one bank USA, XXXX XXXX XXXX, and in XXXX capital one ( bank ), and XXXX  XXXX XXXX ( bank ). They pulled my score under false pretenses using deceptive practices, which is a violation of my rights, as outlined in title 15 of the US Code, chapter 41, subchapter v, 1692e.