davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

South Carolina .Hi, This is regarding fraudulent activity of credit card dispute with Kohl 's. We are charged with XXXX , and we didn't use the credit card. We reported to Kohl 's customer care 5 times and to credit bureau 2 times but still issue was not solved.Upon that we are even charged with interest rates. Please help us regarding this. We are in hopeless situation.
Consumer complaint received 2019-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (SC)

The company send a letter post XX/XX/19. After another company try to cottect and fail thank to CFPB ... They sold the account to FirstPoint Collection. Within 30 days I send a certified dispute letter asking for a sgned contract that verfyingthat it belong to me. [ See L1 ]. They sended me a reply letter with no siginature. [ See L2 ]. i send a second certifed [ See L3 ]. They foller up with the same statement but a different letter once again no sign contract [ L4 ]. From the date of there frist letter XX/XX/19 to the last XX/XX/19 that 16 Days. 
I send my first letter on XX/XX/19, I had to the around the XX/XX/19 to respond. The send the second letter on XX/XX/19. I send me second letter to them on XX/XX/19. On XX/XX/19 they send me a third letter. It was reported on my XXXX  between XX/XX/19 to XX/XX/19. Not given time to respond to the third letter. So am contacting CFPB.The law states I have 180 days on medical collection bfore reporting. And also First point collection changed the amount to XXXX dollars according to XXXX. 

Thank You XXXX XXXX
Consumer complaint received 2019-03-24
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. (IL)

Unknown merchant charged my XXXX card. I called XXXX twice and sent form once to XXXX about this. XXXX can not identify merchant. On first call they gave name and phone of a merchant but merchant did not recognize this charge ( and they are out of my state ( I am in Illinois, merchant called in Arizona ). 
Second call to XXXX - gave another merchant name but XXXX claimed they have no phone number of merchant. I wrote merchant but no response. 
I expect that XXXX should have full correct name, address and contact phone for all USA merchants. 

XXXX refuses to resolve dispute or credit my account unless they cancel the card and reissue. I do not want this due to many valid merchants have authority to charge existing account. I expect XXXX should resolve and contact merchant which they refused.
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Broward Adjustment Services (FL)

I received a letter under my XXXX XXXX XXXX daughter name. It says that i owed XXXX XXXX I called to BAS company, and they said that money is for a blood test made on XXXX XXXX last year ( 2021 ) to my daughter. 
My daughter has never had blood drawn. 
She had XXXX as medical insurance and a while ago XXXX. 
I need somebody to remove this because this debt doesn't below to us.
Consumer complaint received 2019-11-18
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF FINANCIAL CORPORATION (MI)

XXXX XXXX, dob XX/XX/XXXX was told that she had to take a loan to pay back " taxes '' that she owed. My brother coerced my mother to take out this own because she owed " taxes. '' My mother states she did not go anywhere to get a " mortgage '' on her home. States she did not even know she had a mortgage until her daughter got involved because my brother was evicted from her home on XX/XX/XXXX. After reviewing her " mortgage '' documentation, the information was faxed to my mother and she signed it. Not knowing what the document entailed. She thought that she was done paying the " taxes '' a couple of months ago and is now aware that she has a 20 year mortgage. 

XXXX XXXX had been Power of Attorney which was revoked on XXXX XXXX, 2019 New POA : XXXX XXXX
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (AZ)

There is an account on my Experian credit report that reported by XXXX XXXX XXXX. This account is inaccurate and incomplete. The account is not collectable due to statute of limitations and has not arisen from a written contract that I signed.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (MN)

Debt was due to Identity theft. Fraus alert was activated. Original 'creditor ' was XXXX XXXX . XXXX were notified of dispute and asked to obtain verification of debt as I was not contacted when credit was 'approved ' by them. Fraud alert required them to call me personally. They did not. Subsequently the collection was taken off my credit report. 
Now, MRS Associates are trying to collect the 'non ' debt.
Consumer complaint received 2022-10-20
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: Advantage Credit, Inc. (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " 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 payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-20
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-15
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: AMERICAN EXPRESS COMPANY (AL)

I have sent 2 letters challenging the accuracy of this account one on XX/XX/XXXX and the other on XX/XX/XXXX, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. This account has 3 different dates last active XXXX  has XX/XX/XXXX, XXXX  reports XX/XX/XXXX and XXXX  XX/XX/XXXX. How can the creditor have verified the different sets of information? 
You have violated my rights under FCRA with a failure to place this items in dispute and to conduct a proper investigation. I demand it be deleted immediately.
Consumer complaint received 2023-07-21
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: Cascade CISS Holdings, LLC (FL)

On XX/XX/2022 AND on XX/XX/2022 an inquiry was made by the same merchant via a third party called Xactus lllc without my consent. I would like to have one or both of these inquiries removed from my credit report.
Consumer complaint received 2019-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAY LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-10-19
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: Affirm Holdings, Inc (TX)

Affirm stated that my accounts would be reported to the credit bureaus, which I was fine with. However, I have made over 3 years worth of on-time payments to affirm and never once did they report those payments. Then, out of nowhere they report 3 accounts as past due AFTER I paid them and AFTER they told me that it wouldnt be reported bc I was slightly behind due to an issue with my bank that was recently resolved! Now my credit score has dropped by XXXX XXXX points and theres no way to fix that immediately. They need to remove those accounts immediately. And I cant make additional payments while other payments are processing, which is XXXX and has caused this to happen.
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (VA)

3 accounts in collections that was paid off/charged off sent to collections its illega according to the fair credit reporting act. a loan cant be sold and charged off. XXXX? XXXX and XXXX XXXX XXXXXXXX XXXX AMERASSIST AR SOLUTION please remove
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I disputed the XXXX XXXX XXXX account on my credit as it should be marked " included in bankruptcy '' XXXX as well as XXXX XXXX XXXX claim they investigated and that the information reported is accurate. This is blatantly false. I filed Chapter XXXX on XX/XX/XXXX, which shows in my public records section. 

They also added a random address on there that is MORE than SIX years old from XXXX XXXX. I want that removed from my credit file.
Consumer complaint received 2022-11-30
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Consumer complaint received 2018-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

I am aware that there is currently several lawsuits against Wells Fargo for failing to properly investigate account fraud claims, and have been closing accounts involved without providing notice to the customer, so I am taking any and all steps to preserve a record of my efforts to recover my funds. My current WF fraud claim number is XXXX 1. On XX/XX/XXXX, I noticed that certain emails were not making their way into my inbox on gmail. 
2. Upon closer inspection, I noticed that some of my email traffic was ending up directly in the trash bin within my XXXX account. 
3. I immediately noticed that there were several XXXX transactions reflecting the forwarding of several large cash transfers from my account to a variety of people, none of whom I know. Nor have I ever used XXXX before and not since. 
4. I called Wells Fargo immediately to notify them of what had happened. I verbally registered a report with Wells Fargo Fraud Dept, but my claim was denied approximately 7 days after I registered my complaint. They did not make contact with me to ascertain any of the facts. They merely claimed that the transfers were done via a secure online session and must have been with my authority. 
5. I then submitted several pages to the Wells Fargo fraud dept to support my claim of online fraud, and again my claim was denied by Wells Fargo. This is despite the clear evidence I provided that someone hacked into my email and my Wells Fargo account, changed my contact information, attempted to open up several cash card accounts, reassigned a XXXX account from my phone to two other phones ( not mine ), and then transfered the balance in my checking account to several people via the XXXX app. 
6. I have since filed a police report with my local Police Dept. and have filed a claim against Wells Fargo via the FTC website.
Consumer complaint received 2022-06-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (NV)

1. Please EXPLAIN interest accrual amount and late charge accrual amount as of XX/XX/XXXX. These amounts will be from XX/XX/XXXX until XX/XX/XXXX. You have provided interest accrual amount of {$34000.00} as of XX/XX/XXXX but DID NOT EXPLAIN. You did not provide late charge accrual amount as of XX/XX/XXXX so please provide that and also explain how you derived at that amount? 

2. Please SEND a copy/copies of any INTENT TO ACCELERATE correspondence in your possesssion from XXXX  or any acceleration that RTR initiated when servicing rights to this loan were transferred to RTR on XX/XX/XXXX or after RTR  became servicer? 

3. Please provide the copies of the certification of the original XXXX XXXX XXXX  which contains original signatures of the certifying entity, the original seal and the notary signature. RTR should have these in their possession when servicing rights to this loan were trasferred from XXXX  to RTR. RTR has obligation to provide the requested copies and its prerequisite before foreclosure can be commenced.
Consumer complaint received 2019-03-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (IL)

I have tried to resolve this debt but was advised that this is now with their attorneys thats threatening wage garnishment and over {$500.00} in fees. I just started hearing from this company that I got a loan from in XXXX a couple of months ago and Im not left with any options and an enormous fee from lawyers. I also am requesting the account summary for the entire loan
Consumer complaint received 2022-07-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2022, my car was broken into and my wallet was stolen from my car. My debit card was then used at a gas station for {$400.00} and {$420.00} charges. Wells Fargo Bank notified me of potentially fraudulent charges on my card and cancelled the {$420.00} charge. I followed up with the bank after realizing my things were stolen and informed them the {$400.00} charge was not made by me and was fraudulent and I would like to be refunded the amount. About two weeks later, I received a letter in the mail stating that they found the charges were not fraudulent and they would not be refunding me the {$400.00}. I called the number included with the letter and asked how they came to this conclusion. They stated that because my police report was filed after the event and the chip of the card was used in the transaction they could not determine I didn't make the charges. It was as if they had forgotten fraud can still happen in person and not only online. I asked to reopen the investigation but was informed it was at their discretion and they did not reopen it.
Consumer complaint received 2019-03-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (IL)

XX/XX/XXXX I sent a dispute for debt. 30 business days later on XX/XX/XXXX I sent a request for verification of debt to be sent to me and it came back from all 3 credit bureaus that the debt was validated without documentation. Also, there was a {$19.00} payment that was made unknowingly by who after I sent my 1st dispute in, seems as if it was an attempt to keep activity on the account. The company is Exeter Finance Corp .
Consumer complaint received 2019-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Student Loan Care, LLC (TX)

I was informed by Student Loan Care , LLC that I would be able to get some forgiveness on my student loan Id i signed up with them. I have do t research and recently learned that this is a scam and would like to report/freeze my credit.
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (DC)

United Wholesale Mortgage continues to fraudulently state that I am behind on my payments when in fact I am not. I have literally reached out to them describe their error for over one month ; I have created disputes through their customer service line but they are not resolving the issue. I refinanced my home loan with them in XX/XX/XXXX. My first payment was due XX/XX/XXXX according to their billing documents but the Loan Officer erroneously put XX/XX/XXXX on the promissory note. I have made XXXX payments to United Wholesale Mortgage, these XXXX payments equal payments that were applied to XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. United Wholesale Mortgage is still saying that I owe for XX/XX/XXXX instead of XX/XX/XXXX and is threatening to negatively impact my credit if I don't pay for XX/XX/XXXX again. My bank account shows that I made XXXX payments to my loan account but the last representative that I spoke to refuses to listen to my logical and factual statement that XXXX payments have been made, This is a very urgent situation that I need resolved soon as not to negatively impact my credit erroneously. They erroneously applied late fees despite them saying they would not while the situation was resolved. I believe this is a predatory financial institution. I have factual proof of the situation that I have not missed one payment at all and only the XX/XX/XXXX payment is due. I am willing to pay it but I need them to stop assessing false late fees. Please help stop this type of financial institution.
Consumer complaint received 2021-11-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Resurgent Capital Services L.P. (FL)

In XX/XX/XXXX I started a loan with XXXX. They insisted that the first loan payment needed to be drawn directly from my bank account, but said I could change the payment option to a credit/debit card after. 

After taking the first payment of the XXXX loan, I tried to change the payment method, but they refused to accept any other method of payment. At the time I had other banks and credit cards I could have used for loan payments to XXXX. 

They continued to charge and ultimately overdraw the account, the bank account is now closed. 

The XXXX charged off and closed, and is now in collections from LVNV Funding. 

https : //www.lvnvfunding.com I'm aware of an XXXX settlement lawsuit from the FTC, and I've tried to contact LVNV about the settlement, but they refuse to stop collections activity. 

XXXX has removed their records off of my credit report, LVNV is still listed and active. 

I have paid about {$4000.00} to this loan before it was charged off, I am unable to get detailed records because XXXX has removed their information off of my credit report.
Consumer complaint received 2019-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I tried to cash a ( XXXX dollar ) check with capital one on XX/XX/XXXX. Shortly afterwards my account was put on hold. After a while I tried to contact them and only got a voicemail. Only after contacting their XXXX support nearly 3 weeks later I finally am informed that the check has NOT been accepted and my account had been closed. I take them at their word and deposit the check in another bank. A week later I received a call from the second bank ( XXXX XXXX ) that my account is being put on hold since I had already cashed the same check! Upon further research, my capital one account appears to still be open and the check deposited. When I tried to get in touch with capital one, I'm still having the same issue of getting a voice mail with nobody ever calling back! As of now it's been over a month with no resolution. This has also affected my standing with ally bank, as they now suspect me of fraud since I deposited the check again that I was told was never accepted. To be clear - my account has been on hold and inaccessible the entire time.