davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit 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: Block, Inc. (CA)

Cash App Support XX/XX/XXXX XXXXXXXX XXXX I need to dispute this transaction. Items never received. 
XXXXXXXX XXXX XXXXXXXX Hi XXXX, you can dispute a purchase from this support article. 
Dispute a purchase Tap to get started XX/XX/XXXX XXXX XXXX  Hello I did not make this XXXX 's pending charge. 
Please remove or dispute Cashbot Chat with Support XXXXXXXX XXXX XXXX XXXX Cash App Support Hi XXXX, first we need to know which transaction.. 
Pick a transaction Tap to get started XX/XX/XXXX XXXXXXXX XXXX {$110.00} at XXXX XXXX XXXX XXXXXXXX Hi XXXX XXXX how can I help you with this transaction? 
This is the fraud transaction need to dispute {$110.00} Wednesday at XXXXXXXX XXXX XXXX Okay. You can dispute the purchase from this link. 
Chat with XXXX XX/XX/XXXX, XXXX Dispute denied We reviewed your dispute with XXXX XXXX for {$30.00}, and based on the details provided we determined that no error occurred. Therefore, we have denied your dispute. 
Your temporary credit of {$30.00} will be reversed from your Cash balance on XX/XX/XXXX. 

Details in your receipt. 

You can reach out to Support for the documents we relied on to make this determination at any time. 

We appreciate your ongoing patience throughout the dispute process. 

Thank you, Cash App Support
Consumer complaint received 2019-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (NY)

In XXXX if 2018 I was admitted into the hospital and diagnosed with XXXX XXXX XXXX. I was on life support twice and XXXX XXXX XXXX XXXX XXXX XXXX. While the company may have sent out letters I did not receive them due to being hospitalized.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Around XX/XX/XXXX, I called in to my bank to report a transaction from a company I recognized and had previously had business with, but no longer did and did not authorize the transaction. The transaction was still pending, so i could not dispute it at the time And I informed the rep I would call back to do so. I placed the Company on fraud alert the same day. But my debit card was not cancelled, being as though I couldnt dispute the transaction as of yet, I wanted to hold on to my only source of access to my money during this pandemic. On XX/XX/XXXX, I received a fraud alert text asking did u authorize a transaction in the amount of {$1400.00} from said company ( XXXX XXXX XXXX ), Mistakenly, I read the text as FRAUD ALERT so I immediately replied yes when I saw the companies name, then I actually read the text in the same moment and I replied no right away, I did not authorize the transaction. On XX/XX/XXXX the company XXXX XXXX XXXX withdrew {$3300.00} from my checking account, although I only had {$600.00} and change available. This made my account negative {$2700.00}. I called my bank to dispute it, however the company sent a fraudulent receipt claiming the charges were accurate. I sent my bank the receipt the company provided me, and I was told that my receipt wasnt Sufficient, although It was the only document XXXX provided me with. I called back multiple times after to dispute the rejection of my claim and it was denied 2 more times. I tried disputing this directly with XXXX to no avail, I even made a direct complaint against capital one. My checking account is under auto decline which I have proof of meaning no transactions are allowed if the funds arent available on top of the fact that I already placed this company on fraud alert for fraudulent activity a week prior to this incident. Capital one still allowed this company to withdraw funds and put my account in a negative standing, and did nothing to help me resolve the issue.
Consumer complaint received 2020-07-14
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: CONDOR CAPITAL CORP (MA)

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2014 for 30 days 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

CONDOR CAPTL XX/XX/2014 2014
Consumer complaint received 2019-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is my second complaint! My initial complaint I addressed never receiving a dunning notice for this alleged debt, as well as addressing how the validation information theyve provided does not have my valid address on it. Ive had a XXXX  XXXX XXXX checking account in which Ive enclosed statements from the month PRA claims XXXX sent a letter informing me that theyve handed a account ( not XXXX account over to them. These statements have my previous, and current address on them. The alleged dunning nothing sent by PRA contains the same address the alleged notice from XXXX has as well. Mysteriously, PRA does in fact have my current address, and has sent communications thus far. These documents theyve sent previously, this has been the very first time Ive laid eyes on these. Additionally Ive attached communications showing that they submitted my file to their attorney XXXX and XXXX during an active credit bureau dispute, per their words they sent it on XX/XX/XXXX, in which the active dispute did not close until XX/XX/XXXX, as well as I received notice from their attorney during a new dispute. Additionally PRA sent me a notice stating they were closing their disputes bc they had not received requested documents from me, this letter was dated XX/XX/2019 the only thing Ive ever received from alluding to any type of documents needed from me ( which is never actually asked ) was dated for the exact same day that the letter stating they were closing this dispute was dated for XX/XX/2019. PRA is a very deceptive company, and their track record shows this! They have been lying, and sending falsified documents hoping that no one questions them! They are violating FCA laws, and no one is holding them accountable!!!!
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

I changed to another insurance company. Cancelled my policy with XXXX. I owe them {$0.00} Both policies with the same broker, XXXX   XXXX XXXX in XXXX XXXX, Texas. So not only I cancelled it, they did also. XXXX just billed me this randomly.
Consumer complaint received 2019-05-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OK)

XXXX, with XXXX XXXX, called my ex-sister in law and left a voicemail with my personal information on XX/XX/2019 in regard to my XXXX XXXX Credit card. I was not contacted. I have previously called them and updated my phone number, address, email, etc so there was NO reason for them to call her at all. I feel it was a violation of my privacy to leave such a detailed message with someone unrelated to the issue. I would also like to add that previously they have called MULTIPLE times a day when I believe the law states they can only call 7 times a week.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

Hello, I had my mortgage payment set up as a automatic payment with my online banking as a Bill pay. for some how, last month It did not go trough and, I was not aware about it. Chase system payment was down and did not make the payment. 

I found out a month later. when I received a letter from chase stated that I missed a payment. I called the chase customer service to find out what happened and I was told that my automatic 's payment didn't go tru. CHASE bank accepted that it was a system issues and I was able to pay the mortgage and they provided me a confirmation number # XXXX.however, they did reported to my credit and I was told that even it was a system ERROR they won't reported to my credit. 

Now my credit dropped to XXXX points and I would like to have this fix as soon as possible. FYI I never miss a payment
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

Ive reviewed my credit report and noticed the following inaccurate items. The accounts below are not mine : XXXX XXXX Account Number : XXXX Account Opened : XX/XX/year> Account Balance : {$0.00}
Consumer complaint received 2020-07-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Consumer Portfolio Services, Inc. (MI)

I requested a full history of my payment since i brought the car. I don't understand the interest, principle and how its working. I spoke to someone over the phone a few months ago and they were trying to make sense of it to me. I still wasn't understanding the calculation. I went into the dealership where i brought the car and they looked at the information i had and said they could not figure out how the company is computing the amounts
Consumer complaint received 2020-07-14
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. (MI)

This company randomly modified my credit account as open and currently late on payments from an account I am no longer associated with after 6 yrs. After trying to resolve this issue also with transunion they updated my credit report with more outdated information. This account is closed as should reflected as such on my report I have been a victim of TransUnion and XXXX XXXX this issue needs to be fixed. They think they can put whatever they want on your report true or not. I will no longer be a victim and I am filing a complaint with every agency available until I get satisfactory results. Period. XXXX XXXX XX/XX/20
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (LA)

For the past 20 yrs I've been paying on this lemon called a mobile home. 20 yrs. Now i done paid the mortgage and then some they still sending letters not statements saying i owe monthly note of such and such. Then the next month they would say i don't owe anything. Then the next month they'll say i owe this. They'll send people in my yard or stand in front my home or go on the next lane and take pictures of my home to intimidate me. I've been stressed and depressed enough with this trailer company. Not only is they doing dirt they doing the most dirty work when we first got the mobile home XXXX XXXX came to my apartment to sign papers cause my dad was too sick to leave the home my dad was on his death bed i literally had to hold his hand to sign the paper, the trailer is in my dad name who died 3 months prior to moving in here not only that. The trailer people switched the trailer behind our backs saying my dad and i had too much money combined to get the mobile home i picked out. I had picked out an older cheaper model but they changed it without our consent. As they was setting the trailer on the property i was told they need XXXX to finish setting up. Money had to come out my pocket. Over the years I've been assaulted, insulted and intimidate by these trailer people. Whom refuse to give me the title for this mobile home. 
They also changed their company name over and over from XXXX XXXX to greentree to ditech now shellpoint in order for me to keep sending money saying this company did not receive payment or that company did not receive payments can you please help me. I'm tired, I'm tired of being ripped of. I am XXXX  so if you have to contact me please contact me at this email XXXX these people also changed the account number numerous times
Consumer complaint received 2020-07-14
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: CREDIT ACCEPTANCE CORPORATION (MI)

This company randomly modified my credit account as open and currently late on payments from an account I am no longer associated with after 6 yrs. After trying to resolve this issue also with transunion they updated my credit report with more outdated information. This account is closed as should reflected as such on my report I have been a victim of TransUnion and Credit Acceptance this issue needs to be fixed. They think they can put whatever they want on your report true or not. I will no longer be a victim and I am filing a complaint with every agency available until I get satisfactory results. Period. XXXX XXXX XX/XX/20
Consumer complaint received 2020-07-14
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: Freedom Mortgage Company (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (MS)

On XXXXXX/XX/XXXX, XXXX XXXX file a judgment against me at the XXXX XXXX XXXX. The court date was scheduled for XX/XX/XXXX. I went to court and a judgment was established. I was ordered to pay XXXX. On XX/XX/XXXX, I went to the apartment complex formerly known as XXXX XXXX. XXXX XXXX is now under new management and is called The XXXX XXXX. Not being aware of how to resolve and settle the debt, I went to the XXXX Municipal Court Clerk. I was advised the payment will have to be submitted to the original debtor before the judgment could be considered satisfied. I went to The XXXX XXXX ( formerly known as XXXX XXXX ) on XX/XX/XXXX. I tried to pay with a check so I could have a record. However, the representative stated they would only accept cash. I went to the bank to withdraw the funds ( {$760.00} ). The funds were then taken to The XXXX XXXX office. The representative printed out a judgment satisfied form and stated I would have to take the receipt back to the XXXX Municipal Court. A year later ( XX/XX/XXXX ),  ProCollect Inc was still reporting a balance the credit bureaus ( XXXX, XXXX, and XXXX ). I contacted ProCollect Inc by phone on XX/XX/XXXX. The ProCollect representative stated I would have to email the receipt to them. I emailed the receipt to XXXX. I called back to make sure the information was received. The representative stated the receipt was received. However, the receipt must state the account balance is {$0.00}. On XX/XX/XXXX, I went back to The XXXX XXXX ( formerly known as XXXX XXXX ) to get another receipt stating the balance is {$0.00} and the judgment was satisfied. I submitted both receipts ( via email ) to XXXX. On XX/XX/XXXX, I called ProCollect back to ensure they received both receipts. However, I was unable to speak with a representative. A week later, I received a letter in the mail stating the balance is {$670.00} and collection attempts will be made. At this point, I am frustrated with ProCollect Inc and start seeking paid debt information. I was informed I should file a complaint with the Federal Trade Commission.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Follow up is needed for CFPB case # XXXX - XXXX, Capital One Complaint ( CapOne Case # XXXX ) After review of the credit card application and all statements for the credit card opened fraudulently in the name of my fathe, additional information is needed as follows : ALL documentation related to the following charges that follow : 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 My father was the victim of XXXX ABUSE and details on these charges are needed for a legal action underway. 
Please note that the Capital One letter I received in response to the CPFB request is insulting. It claims they needed additional information. This is a lie. 
Numerous letters and emails to CapOne included the same request ; I provided not addti additional information to CapOne. They continue to victimize victims. Shame on them!
Consumer complaint received 2021-07-14
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: Lending Club Corp (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-07-14
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. (OH)

I called and wrote letters to the following companies and to the credit bureaus ( transunion, XXXX, and XXXX  ) and stated that the following inquiries were not valid and I didn't know who authorized for my credit to be looked at. Nothing was done in this manner. Here are the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Bayview Loan Servicing has disabled all options to make mortgage payments via online payment or by phone. I have been attempting to make my mortgage payment before the grace period ends on XX/XX/2020 but the website is not accessible and the ( 800 ) number for phone payments claims they are experiencing technical difficulties. I am concerned that this " technical difficulty '' will last beyond the grace period and Bayview will demand a late payment fee. The reputation of Bayview is terrible, according to thousands of reviews and there is reason to believe bayview would not assume responsibility for the inability to make a timely payment.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (OH)

inaccurate Reporting of information 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate. 

15 USC 1681 5-2 Says you, Exeter Finance Corp , is a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.
Consumer complaint received 2020-06-26
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. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

Brought my vehicle in for warranty item to XXXX XXXX and was charged a miscellaneous charge on invoice in the amount of {$1200.00} on XXXX/XXXX/16. I disputed the charge with Capitol One credit card and was given credit back on XXXX/XXXX/16. I was rebilled for {$1200.00} on XXXX/XXXX/16 even though the charge that XXXX XXXX charged on my card is in direct violation of our state laws which is New Hampshire. I have given all information to Capitol One in order to uphold the chargeback but they will not give us our credit back.