davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My XX/XX/XXXX Capital One credit card statement showed my balance was {$3200.00} with a due date of XX/XX/XXXX. On XX/XX/XXXX, I paid the balance in full ( {$3200.00} ). On XX/XX/XXXX, I was assessed an interest charge of {$40.00}. On XX/XX/XXXX, I called Capital One customer service to inquire about the interest charge since I had paid the balance in full by the due date. The first person I spoke to said she could not determine why I got the charge and then consulted with someone else. One hour later ( put on hold numerous times ), the other person told me that interest was charged from the time the statement came out ( XX/XX/XXXX ) until the day it was paid off ( XX/XX/XXXX ). I then asked what the purpose of the due date ( XX/XX/XXXX ) was if interest was going to be charged from the day the statement was sent and not the due date. The rep said I had been under a 0 % interest rate for 12 months but the promo expired on XX/XX/XXXX. I asked how I would've known that interest would've started accumulating that day and not after the due date as it is with most companies?? She advised it should have been in the welcome packet I received in XX/XX/XXXX ( over a year ago ) when I opened the account ; she said they don't provide any notifications on the statements. She refused to remove the interest charge and when I asked to speak to someone else regarding the issue, I was advised I would have to call back and get someone else. I then called back and asked for a supervisor again who also refused to remove the interest charge. I explained I thought it was a deceptive business practice to begin charging interest on the date the statement was sent and not after the due date. I then requested to close my account if that is the way the company operates and is unwilling to credit an interest charge ( that should've never been applied ) for a good customer. They promptly closed my account without trying to retain me. I do not think it is fair for me to have to pay the interest charge and am requesting it be removed. I would've paid the balance in full on the day I received the statement if it was stated that I needed to. I never pay interest fees on any card. I feel the way they are handling this promo and interest rate period is very deceptive and an easy way to get unsuspecting customers to pay an interest charge as soon as the promo ends.
Consumer complaint received 2018-09-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (OH)

When XXXX XXXX XXXX sold our loan to XXXX XXXX XXXX balance was XXXX they added 2nd mortgage of XXXX long as we made are payments on time for 3 years, They would defer XXXX off of principle balance XXXX Resulting in balance of XXXX. We made our payments on time. Document page 3 will explain it, I will fax page 3 to you!
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2023-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MD)

The email informed me that I need to wait 90-120 days for the funds to be released. But there is no dispute on my account. You should release my funds as promised in the email. Why hasn't it been dealt with yet?
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (NJ)

I have had a cashapp card for years. A few months ago I had locked my card on the app and then I tried to unlock it to begin using the card again. However it would not let me. I then contacted support MULTIPLE times over the span of MONTHS. No one would ever tell me why or get back to me. I finally got a response today stating that the decision is final and they could not give me a reason. I never went negative, never made any suspicious purchases. I did not do anything to just have my card closed on me like this. Then to take months to get back to me and then tell me its a final decision and I dont even know why in the first place is ridiculous when I am the one who locked my card initially. This seems like scamming, fraudulent behavior. I have copies of all transactions and balances to show I have no nothing worthy of just being closed with no response for months or answered.
Consumer complaint received 2022-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WY)

On XX/XX/2022, the scammers pretending to be XXXX XXXX, emailed XXXX XXXX requesting a wire transfer to finalize a sale of a lot. The impersonator sent a string of emails requesting a total amount of {$370000.00} while using personal information regarding XXXX and his family and his lack of communication and resources while out of the country. The impersonator also provided banking information regarding which account to process the wire. Due to banking rules and regulations, there was a wire for {$20000.00} on XX/XX/2022, and another {$20000.00} on XX/XX/2022. XXXX then realized the money was gone and sent out an email to XXXX requesting information. The impersonator intercepted the email before sending it out to XXXX XXXXThe impersonator then pretended to email XXXX as XXXX. XXXX then reached out to XXXX via XXXX to confirm the information in the email, and then it was discovered that it was not XXXX requesting the funds. 

These scammers managed to get my accountant ( XXXX ) to wire a total of {$40000.00} USD out of my XXXX account. This is affecting all business operations including XXXXt of XXXX  and day to day business. Wells Fargo has provided little untimely feed back on my Claim filed immediately after I discovered the fraudulent wires. I feel like Wells Fargo is of no help after following their guidance and checking on the Claim every other day. 

It makes me sick to my stomach that someone can so easily scam my XXXX account and Rip me off for {$40000.00} in the United States of America. Furthermore these scammers are banking Domestically at XXXX XXXX XXXXXXXX where the fraudulent wires where sent. It amazes me that USA banks would permit this Fraud.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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
Consumer complaint received 2019-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (MI)

Due to a lapse in employment, I was unable to pay this loan. After a phone call with the company on XX/XX/XXXX, I was under the impression that i would be able to make payments when I can over the phone. 

When I would try to talk to the company on the phone, i would be on hold for close to 1 hour. I have been hung up on multiple times with the company. I have sent multiple messages, to the company trying to make a payment arrangement and nothing would ever be set up. 

After filing a complaint with the XXXX XXXX XXXX I was able to speak to a XXXX XXXX who was able to complete a liquidation request for my account, to use the money lion connected liquidation account to pay off my loan balance. At that time, I was not told of a liquidation lien for the payoff. That payoff was processed XX/XX/XXXX. 

After trying in vain to reach Money Lion, with the XXXX account website coming back as a 404 error. and the atlassian.moneylion.com email also coming back as a 404 error, and being taken through numerous hoops to finish paying this account, I now have a 90 day late notice on my credit report with XXXX XXXX for a payment that was made XX/XX/XXXX. 

I was then told by a customer service person that a liquidation lien was placed on my account, which stays on the account for 60 days. That would lead this loan to being 120 days late, for a payoff that was already processed XX/XX/XXXX. They did not tell me about this lien, and I personally do not believe that they are telling the truth with respect to this liquidation lien. I believe that XXXX is a criminal company, and should be shut down.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX 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
Consumer complaint received 2021-04-13
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: ENCORE CAPITAL GROUP INC. (VA)

Filed Dispute in XX/XX/2021 for account with Midland Credit XXXX. Never heard back from them until XXXX XXXX with a debt verification letter. Multiple calls since XXXX XXXX in an attempt to settle account and have it removed from my credit report. Midland refused to settle. I have called multiple times on XXXX XXXX to settle debt and speak with a division manager in which I was given false names and transferred many times to departments in which Customer Support XXXX XXXX XXXX XXXX were unable to find my account based off both accounts numbers given to me in the debt verification letter. MCM # XXXX and the XXXX XXXX # XXXX. Furthermore, upon settling debt Midland refuses to remove collect from my report until XXXX XXXX in which they state their policy is to not remove collections before it has been in the report for two years. There are many long pauses and everyone is giving varying/faulty information. After each phone call Midland adds additional negative comments to my reports after each phone call. Also after speaking with them MANY times since XX/XX/2021, it was only today XXXX XXXX that they state possible legal action on my account. I never received a call or letter in the mail in regards to legal action. Further more they claim to have sent this legal letter in XX/XX/2021 but to my previous XXXX  address. This seems weird to me as they sent the debt verification to my correct XXXX address.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX we made a payment online to Macy 's. We have made payments this ways for many many years. No information or data or account numbers have changed. Macy 's stated they did not receive the payment and subsequently reported to my credit bureau that I was delinquent. We have contacted Macy 's numerous times and escalated the calls and sent emails at the executive level with no resolve. We have provided 3 different types of proof of payment to Macy 's including bank statements, proof of payment from XXXX bank and other bank documents. We are now trying to get a forth document at the request of Macy 's. This is over a {$50.00} payment that was not due until XX/XX/XXXX. Documentation shows that it arrived XX/XX/XXXX. Macy 's still contends after all of this proof that we did not pay and they refuse to update the credit or the account.
Consumer complaint received 2019-07-15
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: Fidelity National Information Services, Inc. (FNIS) (NE)

Ongoing disputes with XXXX XXXX XXXX previously known as XXXX XXXX XXXX XXXX. My debit check card was used fraudulently in XX/XX/XXXX and XX/XX/XXXX while I was being hospitalized and under my doctors care due to an injury. The fraud was not discovered by me until around XX/XX/XXXX when I was well and able to handle my finances. The fraud was reported to XXXX in XX/XX/XXXX. XXXX wanted me to release my medical records to them in order to verify I was in hospital which I didnt feel comfortable with doing I felt it was unnecessary. My debit card was being used in XXXX and XXXX states which Ive never been. At the XXXX   agreed not to report it on my credit bureau the charge off account but the account has remained on my ChexSystems report. XXXX  has refused to work with me on the dispute and getting the charge off cleared even after numerous phone calls and even with me filing a police report with the police department. I last spoke with XXXX at the midtown hy location in XXXX on XXXX. It was stated by her that there is nothing I can do about the account now because its been past 60 days since the fraud occured. I informed her that the fraud was reported over a year ago and the fact that I was hospitalized and gave her a copy of the police report. At this point it has been almost 2 years and still the account is not resolved even with XXXX having well known knowledge that there were fraudulent charges made on my account. At this point if it can not be resolved with the cfpb complaints, police reports, and identity theft affidavit, I am prepared to take this case to small claims court and sue for fcra violations, since this is reporting inaccurate and fraudulent information to a consumer reporting agency ( chexsystems ) and has been doing so for almost 2 years even after they have knowledge the account was used fraudulently and not by me
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (VA)

I am on social security XXXX and I understand it can not be garnished by Paypal credit because it's federally protected.I owe paypal {$3600.00} I would like them to cancel this please.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this due to non-compliance with the ( XXXX XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

In 2014 my credit cards and driver license and SSN information & cell phone was stolen. I filed a police report but I lost the police report is been 2 years. They used my credit cards and accumulated total of {$30000.00} dept. I called the credit card company but they told me I have to pay the depts around {$8000.00} on each card. I been trying to get a good paying job but I have collection accounts that are not mine and the sad part I cant get hired. Please help me out I cant move on with my life. Thank you.
Consumer complaint received 2021-01-28
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. (PA)

XXXX XXXX credit Open XX/XX/XXXX Amount XXXX Account was deleted from credit report XX/XX/XXXX and then added back onto credit report a year later after it was deleted
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

On two instances I had XXXX XXXX to foods that I ate. The first one occurring on XX/XX/XXXX ( XXXX Claim ID : XXXX ) and the second XX/XX/XXXX ( XXXX Claim ID : XXXX ). I was not near the XXXX XXXX XXXX XXXX so I went the the near by hospital XXXX XXXX XXXX on both occasions when the XXXX XXXX  occurred. Prior to being treated I showed the ER reps and physicians my VA XXXX card so that they would know to bill the Dept of Veteran Affairs for the Out Patient Urgent Care. When XXXX XXXX XXXX and XXXX XXXX XXXX XXXX sent the billing claim for reimbursement, they failed include my medical records from both of the ER visits and they utilized the incorrect billing codes. 

The VA initial denied both claims, with the first claim denial for my ER visit on XX/XX/XXXX being on XX/XX/XXXX in which the VA sent a letter of response requesting the missing information so that they could pay the reimbursement. On XX/XX/XXXX, the claim from the ER visit on XXXX citing the same issue with their Billing order, the missing medical records. For both Claims the Department of Veteran Affairs allotted XXXX XXXX XXXX XXXX XXXX 90 days from the date of Denial to submit the correct information so that they could pay the ER Claim. XXXX/XXXX never responded within the allotted time period and decided to send the Medical Bill Charges to a 3rd Party Collection agency known as Wakefield & Associates. 

Not once was I notified from XXXX/XXXX regarding any debts owed, but I received notification from the 3 major credit bureaus, when I got a hit on my Credit report from Wakefield & Associates. I never received any correspondence regarding the missing information from XXXX/XXXX nor did I receive any correspondence from Wakefield & Associates. What I did receive was a hit to my credit scores via my alerts on all 3 major Credit Bureaus which promoted me to call the XXXX XXXX XXXX XXXX who told me about the issue and how they tried to get the information from the Creditors so they could pay the claim. 

As of right now I have two Medical Collection accounts at Wakefield and Associates ( Acct Numbers : XXXX and XXXX ) on my credit report due to the negligence of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX not providing the Dept of Veterans Affairs the correct information to process the reimbursment and also not responding to the request for information after the XX/XX/XXXX and XX/XX/XXXX denials they sent to XXXX/XXXX. These items need to be removed as soon as possible.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 ( learned through more research both parties require ). Please block/remove these files. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 
This account was paid to the original creditor after it was charge off.
Consumer complaint received 2023-07-18
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. (NJ)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.