davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Around XX/XX/2020 I received email notification of XXXX charges on my Capital One card. I called Cap 1 and went through the usual fraud reporting and the charges were removed and a new card was mailed to me. BEFORE I received the new card I started receiving email notification of charges from XXXX that were mot mine on that card. 

So I checked my XXXX account and none of the fraudulent charges are in my XXXX account. 

I called Capital One and reported the fraud but did not request a replacement because I think somebody has hacked Capital One since the hackers are getting brand new credit card numbers faster than the actual cards can be delivered in the mail. Representatives of Capital  One denied this. 

Yesterday, my girlfriend 's Capital One account was hit with fraudulent XXXX chages. She has never used XXXX and has no XXXX account. 

I think consumers should be notified about the hack at Capital One. It should be public.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I had a loan for a vehicle through XXXX XXXX for a vehicle I purchased in XX/XX/XXXX. In XXXX after 20 MONTHS OF ONTIME PAYMENTS, the vehicle was stolen and when recovered was a total loss. I had full coverage insurance as well as gap insurance through the finance company on the vehicle. Once recovered, I went to XXXX impound and signed over power of attorney to the finance company so they could deliver the vehicle to the insurance company to pay the claim. XXXX XXXX NEVER DELIVERED THE VEHICLE to the insurance company and after 30 days XXXX impound crushed it and sold it. Due to never getting the vehicle delivered ( which was the responsibility of the finance company as I had signed over all power of attorney ) my insurance company did not pay the finance company. XXXX XXXX then told me I had to continue to make payments on the vehicle which I did for 1 month AFTER THE VEHICLE WAS DEEMED A TOTAL LOSS but then could not afford any longer due to having to purchase another vehicle as well as all my tools that were stolen that were in the vehicle. XXXX XXXX then proceeded to attempt to sue me FOR THEIR INCOMPETENCE but the case was thrown out by the judge. In XXXX, my insurance company finally paid out XXXX XXXX but I never received ANY FORM OF REIMBURSEMENT for the taxes, plates, my tools or any of the thousands of dollars in parts I had installed prior to the theft of the vehicle and total loss. Currently XXXX XXXX shows I have 6 charge offs on my credit report which has prevented me from obtaining housing, loans and credit cards for the past 5 years as this is one of  the only accounts on my report. I had NEVER MADE A LATE PAYMENT- EVER- and yet they are still saying I was in collections over the account and refuse to change this after MULTIPLE times contacting them as well as MULTIPLE DISPUTES. XXXX XXXX has made my life a living XXXX the past 5 years and has resulted in homelessness ( even while I was working full time- I could not find an apartment due to my credit score being so low as it dropped from a XXXX to in the 400s due to this ) yet they refuse to fix anything on my account. I have the utmost contempt for this company as they have made me suffer beyond words and destroying my life is nothing but a game to them.
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I am a victim of identity theft. The account was 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 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

this complaint comes after exhausting all my administrative remedies against Macys to fix and error in their part after a fraudulent charge was disputed for XX/XX/2017, corrected and Macys never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and Macys without a successful resolution to the issue. additionally Macys never notified me properly about this damage to my personal credit report until i had to pay the consequences of the FICO score drop with all my finances. 

i pray and request Macys clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (MA)

In early XX/XX/XXXX, I purchased 5 {$50.00} American Express gift cards at XXXX. 
I lost one of the five {$50.00} cards on XX/XX/XXXX and called to say that I had lost one of the cards the previous evening. I did not write down the numbers on the card but kept the stickers on each of them. The representative took the information down and verbally indicated that I would be reimbursed. 

I subsequently have received at least four letters from American Express asking for documentation to support my request. The final letter dated XX/XX/XXXX indicated the receipt does not match. The Reference Number from American Express is XXXX and they will confirm that they have requested and I promptly responded to every request. 

The letter sent by AMEX does not have a phone number so there is no one I can call to discuss further. I was hoping that you could help me in resolving this issue. Thanks
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Going over my Equifax report I see two delinquent accounts that are identical, this account should be listed once, not twice. Also, this account is showing that I have not paid the balance of {$290.00} when in fact this debt has been paid IN FULL in the form of my state tax refund. The account is as follows : XXXX Opened XX/XX/2017 Original Creditor - Virginia XXXX XXXX XXXX Amount - {$290.00}
Consumer complaint received 2022-04-08
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: National Credit Systems,Inc. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CT)

I have been trying to get access to my Coinbase account since XXXX. I have created a Case # XXXX on XXXX XXXX to resolve this issue but I have not received any action or timeline on when I will have access to my account. Coinbase has no human customer support whatsoever, and will not resolve support requests.
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CBV Collection Services Ltd. ()

Recently a this company has been spam calling me and texting me, making threats against my Credit and continuing to contact me after requested not too. Over mulitple expired debts. They claim I owe over 600 $ for a phone bill with XXXX. I and over 1000 $ for a phone bill with XXXX and making threats that they will attack my credit score to intentionally drop it to damage my life if I do not pay. They have called and texted me multiple times everyday for the past 3 weeks since XX/XX/XXXX to XX/XX/XXXX. Even after being requested to stop all contact around XX/XX/XXXX. Thus many Laws have been broken by this company, and they keep trying.
Consumer complaint received 2018-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2018 at around XXXX PST, I made a XXXX transfer of {$300.00} for 2 tickets listed on XXXX to a XXXX XXXX on XX/XX/2018 in XXXX at XXXX. After the person received the money they did not transfer the tickets. I tried to contact them, but they stopped responding to my texts and wouldn't take my calls. Before I sent the money, they did send me a photo of their WA drivers license. 

I notified my bank, Bank of America, and asked them to cancel or reverse the transaction. They said that I need to take up the claim with the receiving bank, XXXX. I called XXXX who said I need to take the claim up with my bank. Neither bank is willing to help. Please help me recover my money. Thank you for your help. 

XXXX transfer conf # : XXXX ( from my Bank of America account to a XXXX account ) The scammer 's confirmed phone : XXXX The scammer 's email used to receive the XXXX transaction : XXXX Info from the scammer 's Washington drivers license that they sent me a photo of : Name : XXXX XXXX XXXX WA Lic # : XXXX
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my XXXX, Experian and XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX, Experian and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, Experian and XXXX on XX/XX/2018 and was told XXXX never contacted them.
Consumer complaint received 2018-07-30
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: EQUIFAX, INC. (NC)

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my Equifax, XXXX and XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from Equifax, XXXX and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted Equifax, XXXX and XXXX on XX/XX/2018 and was told XXXX never contacted them.
Consumer complaint received 2018-07-30
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. (NC)

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my XXXX, XXXX and Transuion credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX, XXXX  and Transuion but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, XXXX  and Transuion on XX/XX/2018 and was told XXXX never contacted them.
Consumer complaint received 2022-05-02
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. (TX)

I have a account that reporting on my credit report as fraud and I never did business with this XXXX XXXX The name of this creditor is XXXX XXXX XXXX that has a outstanding balance of {$7900.00} under my name and the fraud agent refuse to block the information as I provided him a report number and told me I need to wait 30 days for a response.. this account XXXX XXXX  XXXX XXXX is fraud
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NV)

I received a PPP loan from the SBA in early XX/XX/. I had it deposited in the BBVA account ( which was originally an account I had with an online bank called Simple which was acquired by BBVA- which is now acquired by PNC or something ). The original amount was {$12000.00}. I started to make withdrawals according to the forgiveness rules of the PPP loan of $ XXXX as my " paychecks ''. After going through an arduous process of verifying myself each time I decided after the 3rd time to just get my money out of BBVA and move it to my credit union account. BBVA then claimed I had a $ XXXX  monthly withdrawal limit ( keep in mind, I didn't open this account with them, they acquired my account and applied their rules to it ). They originally told me my Simple ATM card would work but it never did and they wouldn't send me a BBVA ATM card. 

At some point in late XXXX they claimed there was suspicious activity and shut my account access down completely. After several calls to the " Fraud '' dept. I was told they had up to 45 days to " investigate '' and they couldn't give me any details. 

I waited until mid XXXX to follow up again and was told ( after sitting on hold for at least an hour 3 separate times ) that they decided to close my account and would be sending me a check for the remaining balance of $ XXXX. It's been almost a month and I still haven't seen any check and still can't get any answers from them. In the end they've held my remaining balance for 2.5 months and counting without ever telling me why. 

This was money given to me by the SBA as a loan but forgivable if I withdrew it in the proper manner which BBVA has completely interfered with and which may cost me the ability to get the loan forgiven.
Consumer complaint received 2023-08-11
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: LEXISNEXIS (TX)

Complaint previously reported XX/XX/XXXX. One case closed, first case still open. Contacted LexisNexis beginning in XXXX - XX/XX/XXXX in regards to reporting information to XXXX, XXXX, and XXXX regarding a XXXX XXXX XXXX LexisNexis kept stating it validated the information it received from XXXX, but could not verify that I gave any written consent for any information to be reported to the credit bureaus. I submitted another request and the company reopened the investigation. I received a letter dated XX/XX/XXXX, XXXX number XXXX ( XXXX ), stating the results of the investigation stating LexisNexis reviewed information from its Bankruptcy Records and determined the data being reported as unverifiable. The information has been removed for its files an researching with XXXX XXXX XXXX in XXXX XXXX, XXXX Docs providing identification submitted.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2021 <<<ADDRESS>>> Dear Sir or Madam : I am writing this email to kindly request your help regarding an identity theft incident I have been a victim of. My phone number has been transferred to another SIM card and then used by another person to withdraw money from my bank account. I could not file a police report because Chase is unable to provide an affidavit of fraud which is required by the police department. Neither Chase or XXXX is willing to take any actions on this matter and thus I have arrived at an impasse that has so far proven impossible to overcome. 

First, let me briefly explain what happened. On XX/XX/2021, my phone suddenly lost service. Once I contacted XXXX customer service, I was informed that my number had been transferred to a different SIM card. According to the XXXX representative XXXX spoke with, this transfer occurred at XXXX XXXX  EST. Subsequently, it was disabled at XXXX XXXX   EST. Thus, between XXXX XXXX  and XXXX XXXX  EST, my number was being used by another individual. That same day, at XXXX XXXX  EST, the same phone number was used to make an unauthorized money transfer through my bank ( Chase ). The wire transfer was made for an amount of {$4900.00} to a XXXX XXXX XXXX XXXX Bank account under the name of XXXX XXXX. 

After contacting XXXX, I attempted to file a police report. However, I was informed that in order to do so, I would need a written statement from Chase. Chase in turn requested a letter from XXXX detailing the number transfer that occurred ( which has been confirmed for me by phone already ). However, XXXX informed me that I would need to file the police report first. When I went back to the police, they still insisted on a Affidavit of Fraud from the bank. 

As I have run out of avenues to pursue in this matter, I am turning to you for help in resolving this situation. I would sincerely appreciate any guidance that might lead to moving the matter forward. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Am formally reporting XXXX on a previous case I opened with you. Case XXXX. I got this letter from XXXX that my account is paid and they told you I own them. How can an account be paid off and still own to that account. XXXX XXXX actually sold my truck and after collecting more than {$5000.00} from me. I told you XXXX is a financial predator. How can someone give XXXX and a want more than {$10000.00} in return. I took them to court and got a judgement in my favor. They have confirm from the letter attached that the account has been paid. Please see to it that they delete every thing from my credit report. Thanks
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (CA)

Hello I have been working with the company Loancare who currently is servicing my mortgage for about {$210000.00}. The property is about 11 acres and over the last few years I subdivided the property from one parcel to 5 parcels. After I subdivided the property I put 4 of the lots for sale. I had one buyer that wanted to buy one of the lots on the property. I started the process with my real estate agent, title company to provide all the information that Loancare needed in order to process my request. It has now been about 4 months since we started the process and I have submitted all the paper work that was required and paid over {$1000.00} for an appraisal of the property. I have called over 20 times and sent countless email to Loancare and no one there can tell me where my request is at. When I ask to speak to a supervisors I get put on hold and then get hung up on. Their customers services is absolutely horrible and they are not address my request. I have always paid my mortgage on time. I would like to get some resolution around my request and have someone handle my case and acutally be able to speak to someone that knows my issues and can provide actual customer service. I have never dealt with any servicing company that is as bad as Loancare about even answering phone calls and emails.
Consumer complaint received 2018-02-17
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. (GA)

The problem is the Equifax has once again put items back on my report that has been disputed with documentation and police report sent for ID theft and fraud report sent as well that were removed but put back on by Equifax without notice by a letter from any Equifax representative, nor a call or text which is illegal to do. I've already disputed all of the items provided the required documents to have them removed but the items below are back on. I need your help in having equifax correct my file to ensure the information is reflected as 100 percent accurat. I thank you in advance. 

*Remove Address : XXXX XXXX XXXX XXXX, XXXX Ga XXXX XXXX *Add personal statement to Call XXXX for credit apps *Remove Following Inquiries : XXXX XXXX. Date : XX/XX/XXXX. XXXX XXXX : Date : XX/XX/XXXX *Remove Collections : XXXX XXXX {$700.00} -Medical. Date Opened XX/XX/XXXX. It was disputed and removed but they put back on without notice. 
*XXXX XXXX  : {$68.00} Date Opened XXXX Not Mine- XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} Date Opened : XX/XX/XXXX. It was disputed and removed but they put back *Remove Following Accounts. XXXX XXXX XXXX XXXX XXXX same Account Number XXXX : one is for {$29000.00} and other is for {$60000.00}. It was disputed and removed but they put back. I dont have loans directly with the XXXX XXXX XXXX XXXX