davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-10
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: DISCOVER BANK (NJ)

I was scammed by a company posing as XXXX. I called the number found on-line ( XXXX ). They asked me for certain information which I provided thinking that I was going to receive a credit for XXXX. What actually happened next was that this fraudulent company charged my XXXX account in excess of {$1200.00}. I received notification shortly thereafter by my Discover card company that there was suspicious activity and they asked me to validate that these were legitimate charges. I immediately advised Discover representative that these were not legitimate. I than contacted XXXX to alert them that someone had stolen my identity. As noted above, the monies were withdrawn from my account in a very short duration of time. My immediate thought was that I needed to cancel my Discover and XXXX accounts which I did. I than began the process of assuring that my monies were protected my one or both of these companies. My husband also believed that his XXXX XXXX and/or XXXX XXXX memberships should protect against this fraud and loss of funds. We appear to be receiving a bit of a run around by these various companies, with each stating they have no responsibility to refund the money stolen from the XXXX account. 

What I find most disturbing is this whole chain of events began over XXXX charging my Discover credit card for the XXXX XXXX service I had not ordered. This entire situation would have been avoided had I not had to initiate the first call to XXXX.
Consumer complaint received 2018-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

On XX/XX/2018 I paid in full the amount of {$580.00} to XXXX and received a confirmation # that I owe no money to them. Retrieval Masters Creditors Bureau inc has sent me a notice of money owed on XXXX for the amount of {$560.00} This money has been paid in full directly to XXXX
Consumer complaint received 2018-05-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Saddleback Acceptance Corporation (CA)

The company saddleback acceptance repo mycar in 2014 nd was sold but they are still reporting to the bureau companys that the payment is still late i no longer have the car so how is this possible my score goes down 20 points every month this is a nightmare and very unexceptional false information how is this company able to do this.the account is a charge off and is closed but just reported that it went up {$60.00}
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX Phone # XXXX I am filling a complaint against Experian regarding XXXX XXXX # XXXX. 
The date of last activity was XX/XX/2008. This was a foreclosure and is still showing well after the stature on my credit. It was removed from the other 2 bureau but still showing on Eperian. I am trying to get a mortgage and need to understand what's going on. Please explain why u are allowing a account older than 7 years remain on my account. 

Thank you!
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Ive been a customer with Capital One since XX/XX/XXXX. I started out with a secured account and was offered an unsecured account. I got the XXXX account and within six months my limit was increased due to good payment history. In XXXX, I had identity fraud on my checking account with XXXX XXXX and it was restricted by them after my payment was scheduled, so XXXX XXXX blocked all incoming and outgoing transactions. Capital One tried twice to pull my money out of my account, but XXXX XXXX rejected the transaction twice so Capital One restricted my account and closed it. 
I decided to open a Capital One 360 checking account with a balance of {$250.00} and figured that would be easiest to make payments from this account. The account info provided by the representative on the phone with the 360 department was incorrect. They provided me with my savings account number instead of checking, and thats the information I used to make a payment with Capital One. The payment was returned and Capital One didnt notify me again. I called in to let them know it was a mistake and showed them my positive balance in that account, again to a representative who didnt care to hear more. I then uploaded secure documents to the online portal for them to do an investigation to determine if my account can be reopened. 


This is after years of exceptional payment history and no returned payments. I provided Capital One with proof from XXXX XXXX that it was their error, and a bank statement showing my account balance that was sufficient enough to cover the payment, but XXXX XXXX restriction is the cause of this. Capital One didnt give me a chance to make the payment again, didnt alert me that my account was closed and theyre making me jump through hoops to see if my account can be reopened. Theyre telling me that theres no guarantee my account will be reopened even though I had no control over this situation. Their fraud department is a joke and they dont advocate for the customer. Im disappointed because Im XXXX and this will mess up my credit rating, as well as cause me to move to another company if my account is not reopened.
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One supports counterfeit products. I bought Game of Thrones 1-6 from XXXX on XX/XX/2016. I had seasons 1 & 2, but could n't buy 3-6. The seller took 10 days to ship and answered only my first inquiry that he was sure they had been shipped. They were shipped XX/XX/XXXX, received XX/XX/XXXX. I believe the delay kept a bad review from being posted before he could sell dozens more of the fakes. The discs would not play. They froze up after the warning and disclaimer screens. When they did play, they were glitchy, jumped around and lost audio. Counterfeit. The XXXX site has a page about Counterfeit DVDs : http : XXXX I downloaded the XXXX and tested the DVDs. No question ; not genuine. 
XXXX wanted me to return the DVDs, but they seller failed to send a pre-paid return label and failed to answer 2 more inquiries from me. 
When the date for return expired, I filed a dispute with Capital One. " What 's in your wallet? '' Capital One called me a liar and said I must get an opinion from a professional third party on their letterhead confirming that the DVDs are counterfeit. I had supplied them with the XXXX tests I did on my original 1 & 2 ( genuine ) compared to the eBay DVDs. 
So ... DO NOT believe you have protection. This is why so many people hate banks and I 'm not just talkin ' about XXXX
Consumer complaint received 2022-07-23
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. (MI)

I am grateful to have some accounts from my Credit File be removed! I truly appreciate the efforts done by the XXXX and XXXX Credit Bureaus to deleted a portion of the fraudulent accounts being reported from my Credit Report, but there are some accounts that should be deleted too. I received a copy of my updated Credit Report and noticed that some accounts are still reporting despite the multiple letters I have been sending to the Credit Bureaus. On my previous letter I sent on XX/XX/2022, I emphasized the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( C ), Authority to decline or rescind. Once again, I have been a victim of Identity Theft and I never received anything nor benefits as a result of the theft of my identity. The Credit Bureaus can not decline my requests for the removal of the fraudulent accounts on my Credit Report since I never received anything in exchange of the Identity Theft. If the Credit Bureaus insist that these accounts belong to me, I will require all documentation that has my signature on it to support the Credit Bureaus claim. If the Credit Bureaus can not provide me with copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus remove the following disputed fraudulent accounts completely from my Credit Report : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX. XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : - XXXX XXXX Balance : - Bankruptcy : XXXX XXXX Reference # : XXXX.
Consumer complaint received 2021-06-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (SC)

BOUGHT HOME ON XX/XX/XXXX WITH XXXX XXXX. RETAILER OF HOME ISSUED WARRANTY OF ONE YEAR TO " FIX '' AND " FINISH '' THINIGS WITH THE HOME THAT COME UP OVER THE FIRST YEAR. 

CLOSING DOCUMENTS HAD THE HOME LISTED AS A XXXX MODEL HOME- THIS WAS SOMETHING THAT WAS VERY IMPORTANT WHEN CHOOSING A HOME THAT XXXX WOULD FINANCE. 

WHEN MOVING IN ON XX/XX/XXXX, AND RECEIVING OUR " WELCOME HOME '' PAPERWORK, WE WERE TROUBLED TO SEE THAT OUR HOME WAS NOT INFACT A XXXX MODEL BUT WAS A XXXX LOT MODEL. 

THIS DISCREPENCY MADE US WORRY THAT THERE WERE OTHER WAYS WE HAVE BEEN DUPED BY THIS RETAILER AND HAVE HAD MANY OTHER PROBLEMS WITH THEM SINCE THEN, NOT HONORING THE WARRANTY AND OTHER THINGS EFFECTING THE SAFETY AND STRUCTURE OF OUR HOME.
Consumer complaint received 2022-07-23
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. (MI)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, my car was broken into and my wallet stolen. I received a fraudulent text from Truist bank and replied NO to NOT authorize the transaction. Yet there were nearly XXXX $ of transactions that were attempted between my business and personal cards. Some transactions were denied on my personal account, but my business account was heavily used. There was a gas station amount for XXXX and a XXXX transaction for XXXX that were allowed to go through. After filing a claim with the bank ( XXXX hrs after the crime was done ) I then contacted the XXXX XXXX ( XXXX XXXX police department and filed a report with them. The police have the suspect and WILL be pressing charges. Yet Truist bank sent me a letter saying my claim was denied and I authorized the transactions. I did no such thing, and they found the person who broke into my car and took my wallet. I am dumbfounded how the police has the perpetrator yet the bank is denying the charge. How is that even possible? I was at home sleeping and have ring camera footage that I was home during the transaction period and the police have footage of the suspect in the merchants using my card UNAUTHORIZED.
Consumer complaint received 2022-11-03
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. (TN)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

( XXXX ) Dept of educationXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Dept of educationXXXX # XXXX Dept of education/XXXX # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX Dept of Ed/XXXX # XXXX Dept of EdXXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agencies CAN NOT furnish an account without my written instruction and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681b-2 States permissible purpose must be given to corporations to report any information on the consumer.

15 U.S.C 1681a-2 ( A ) ( 1 ) States that the transactions and experiences between the consumer and the person making the report is not to be included on the consumer report.
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I received a letter from Midland Credit Management concerning an credit card account through XXXX ( dated XX/XX/23 ). I did not open this account and had not received any bills, notifications or phone calls regarding its existence. I am a victim of identity theft. I called Midland Credit Management and asked for information concerning the account including where and when it was opened and how a fraudulent account was opened in my name. The phone call was just accusatory. I then mailed them a certified letter on XX/XX/23 asking for this information in writing and stating that this account is a result of identity theft. They mailed me back a statement on the card, but no account number and no photo of the person opening the account. I have filed a police report, and FTC fraud report and notified all XXXX credit reporting bureaus and placed fraud alerts on my account. I will be placing a freeze on my credit as well. I have contacted the XXXX bank and told them the account is fraud, but they refer me to Midland Credit. I am enclosing a copy of the account statement from XXXX it shows that it was mailed to a very old address- where I have not lived for over 7 years. I am also including a copy of my FTC Identity Theft Report and the police report that I filed locally. I work hard to have good credit and want to keep it that way.
Consumer complaint received 2018-05-10
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. (FL)

I'm looking to have XXXX XXXX  CREDIT CARD remove any disputed information from my credit report. I am no longer disputing this account ( it still shows the account is in dispute ). Can this company please remove this language from my credit reports? I've asked them time and time to remove them, but to no avail.
Consumer complaint received 2018-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made money transfer from my Bank Of America account using XXXX to a person using their phone number who claimed to be a travel agent. I made 3 transfers, 2 on XX/XX/XXXX for amounts of {$1100.00} and {$600.00}, and third on XX/XX/XXXX for {$500.00}, totaling {$2200.00} for 2 flight tickets. After the money was transferred, the person was unreachable on phone but was active on text messages and that my flight booking was in progress. He also sent me couple of temporary booking on airlines for the flights requested, and one including his credit card payment of a small nominal fee to HOLD the reservation for 3 days before confirming. Since then, there have been only email exchanges and reservation was never made. After I made my own reservation, email thread started in regards of returning my money but that has not happened till date either. I filed a complaint with my bank and they went to the extent to tell me the recipient has a " US Bank '' account where the money was transferred but can not file a fraud or refund the money since it was initiated via XXXX by me. 

I ended up paying {$600.00} more for the same tickets ( since the price went up in the time being ) and never got my original  {$2200.00} back.
Consumer complaint received 2018-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX is showing on Supplemental Public Records & Residential Information is showing I did not apply or sign any documents applying for credit in any way as showing on my credit  File Number XXXX XX/XX/XXXX I opt out in XX/XX/XXXX on promotional and information.
Consumer complaint received 2018-08-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Service of Nevada (NV)

XX/XX/2010 Dr XXXX provided services for my daughter, after insurance paid we owed {$300.00}. Do to financial hard ship we were in able to pay. Now we are being harassed by Collection Services of Nevada for {$450.00} plus {$250.00} plus legal fees for a court order I have never been served with. In the process of trying to buy a home I have been getting all issues taken care of, they refuse to set up a payment arrangement for just the principal amount stating that it is in a judgment, even though I have not been served.
Consumer complaint received 2018-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

During the summer time after I completed my XXXX degree and was transferring to another university. Navient did not allow me the courtesy of the 6 month period to start repaying on my loans. Instead they charged me interest for the three months before I started at the university. These fees and excess interest was never refunded to me. Instead I was told that I needed to make the payments anyway and that the payments that I had already made can't be reversed but the interest that was being charged they would drop after I had already made payments frantically. As of this moment I am unaware of the total dollar value of these transactions.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

Chase- XXXX card : XX/XX/XXXX : I was booking a flight on united and got an option to apply for instant credit card to receive {$250.00} instant credit. So my flight cost was {$1300.00} and it showed in the advertisement on the final booking page that I will pay {$250.00} less. Also it said, i will get first bags free and priority boarding along with 35,000 miles after qualifying purchases. So I applied as it showed instant decisioning. 
Well, when I applied, Chase displayed the message that application in the review. Ok, 24 hours later no communication. There was no way to check status or option to cancel the credit card application. I called and they told me that there is no way to get to application as I don't have credit card account yet. Well, now, I have to use another credit card to pay for my flight ticket. 
Why Chase did provide false info that instant decisioning will be given? I would not have applied if it was 1 week later I am getting card. 

Also, I can't get free checkin bag as my credit card was not sent for 1 week. This is false information on their site and United+Chase should tell the truth. They must say, your next flight ticket after you get the card. 

So bottom line, I will have to pay from my pocket for checked in bag where United-Chase told on the advertisement that I will get it free on my current ticket. Well it will be on the next one and not current one. 
If I had known, I would not have applied for the credit card. 
Chase need to pay for my checked bag and provide compensation for false advertisement and information. 
I have taken screen shot of the United-Chase advertisement. 
Thanks
Consumer complaint received 2018-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

On XX/XX/18 I got a notice from XXXX for a late payment of {$2100.00}. I shouldnt of been charged for this because I was a passenger not at fault. I contacted my insurance company and XXXX to clarify my information but had no resolution or notice was confirmed.
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (MS)

I have disputed it XXXX to 4 times through XXXX and XXXX XXXX. They continue to say that it is validated in my debt. However, they will not show me any proof that it is it is absolutely not my debt and I want it removed from my credit report they have threatened me over the phone. They have called my job. They have harassed me numerous times of the day while Im at work they will not
Consumer complaint received 2022-07-23
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. (AL)

I have submitted disputes to you and didn't get a response within 30 days as required by law to do so. Please investigate my reports please. Thank you.