davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-13
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I found out in XXXX that my Khol 's charge card was delinquent. After investigating further my wife noticed that on XX/XX/XXXX a payment of {$70.00} was paid through our XXXX  XXXX XXXX online banking checking account but, was posted to the wrong account. This resulted in Khols not receiving payment and negatively reporting to the credit bureaus that In XX/XX/2019 I was 30 days late. After contacting XXXX  XXXX XXXX they quickly figured out that the payment had posted to the wrong account and never got posted to my Khols charge. They stated it was a glitch in Their system. They mailed a letter stating this and asking that any negative reporting be removed by Khols on my credit report. I contacted Khols and was told to submit all documentation to the Cooperate office and that was the only way to reach the Cooperate office. I also did a XXXX search and emailed 3 people whos names appeared at the Cooperate office of Khols. I also disputed this twice with all three credit bureaus. Most recently XXXX  thought I was disputing XXXX  XXXX  XXXX and unnecessarily opened a dispute up for them as well as Khols. I spoke with them today XX/XX/2019. They also told me that there were two disputes for Khols and that Khols deleted an old account as a result of the dispute. This account was never late and closed for over a year. It had nothing to do with my dispute on my account ending in XXXX. I also received notification from XXXX. They didnt dispute Khols but, put in a dispute for XXXX  XXXX XXXX again, this was well documented and not a dispute with XXXX XXXX XXXX. This is the only negative mark on my credit report. Khols stil has me reported as 30 days late for XXXX and still has my last payment listed as XXXX when in fact I paid off this account in XXXX after finding out I was delinquent. I want Khols to update all three credit reports to reflect that I was not 30 days delinquent in XX/XX/2019. Khols removed an old account off of my credit report that was not the one in dispute or reported as negative. XXXX  XXXX XXXX is my checking account that all bills are paid from online. They had computer glitches and offered a letter to Khols explaining that a payment on XX/XX/2019 had been paid of {$70.00} but did not get posted to the right account. Please see documentation attached. Also, XXXX  and XXXX  made mistakes with my dispute by opening up disputes with XXXX XXXX XXXX. Causing the dispute to be prolonged and an unnecessary dispute to be put on my credit report. The more time as gone by the more it is affecting my credit. 
Thank You for you help with this matter! 
XXXX XXXX
Consumer complaint received 2022-04-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In late XXXX, someone hacked into my XXXX account and bought some grills and air fryers, totaling about {$650.00}. I called both XXXX and Bank of America. XXXX noted that the XXXX addresses were not those which I had used before, and blocked them, and agreed that I did not make the transactions, nor did I receive the grills that were purchased using my card. Bank of America and XXXX discussed the issue further, to my understanding, where they declined my refund. Bank of America said it was up to XXXX to resolve, and XXXX said it was left to Bank of America to refund me. I reopened the investigation a month ago and was promised a call back within a week or XXXX weeks or so, and I have not heard anything back. XXXX agreed that I did not make the transactions, so how I was declined my refund, I don't know. I also never received notes from the investigation that lead them to believe that I was at fault.
Consumer complaint received 2018-02-06
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. (LA)

I contacted attorneys XXXX, XXXX XXXX XXXX, XXXX because Experian has continued to allow 2 companies ( XXXX XXXX and XXXX XXXX XXXX ) to report on my credit when neither company has any documentation that gives them the right to report ANY history such as a signed application, or any file with my social security number. XXXX, XXXX XXXX XXXX, XXXX sent me a letter in XX/XX/2017, from Experian to fill out requesting my personal information and my concerns. I sent it to Experian certified mail on XX/XX/2017. I checked USPS Tracking which showed that Experian signed for it on XX/XX/2017 which began my investigation in accordance to FCRA 611 ( a ) ( 1 ) ( A ). I received two notices of disputes in the same envelope from XX/XX/XXXX ( 30 days after receiving my dispute ) stated that XXXX  was removed and XXXX XXXX shall remain and the other from the following day XX/XX/XXXX stating that XXXX was added back on which is in violation of the FCRA 611 ( a ) ( 1 ) ( A ) as well FCRA611 ( a ) ( 5 ) ( A ) that information deemed inaccurate or incomplete or can not be verified information to be removed and FCRA 611 ( a ) ( 5 ) ( B ) ( i ) that if this information is be reinsert that it must be CERTIFIED. In the notice of dispute there is no mention of the information for neither company is shown how it was certified in accordance to FCRA611 ( a ) ( 6 ) ( B ) ( iii ). I have contacted both companies personally and neither one has OPEN nor CLOSED ACCOUNTS or PAPERWORK that matches the information displayed by Experian.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc. (NY)

I placed an order on XXXX thru afterpay ( company that uses single use card and lets you pay in four installments ) on XX/XX/XXXX for {$31.00}. Afterpay sent me an email that the order was for {$690.00}. They took out the first installment of {$170.00} immediately. They overdrafted my bank account and every time another bill comes out, i get another fee. They are telling me they cant refund me until the single use card expires NEXT MONTH. I even did their job for them and contacted XXXX. They sent me an email which i forwarded to afterpay that states the purchase was no where near what they charged and was canceled. They still refuse to issue me a refund. ive filed a complaint thru the attorney general in my state. I am unable to buy groceries or pay rent etc. because my account is overdrawn and im literally wracking up fees. This isnt fair!!
Consumer complaint received 2021-11-07
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. (PA)

My identity was stolen and used on XXXX XXXX. 
I have filed a police report and FTC complaint and they refuse to remove these fraudulent items from my credit report. 

ACCOUNTS REPORTING TO EXPERIAN : XXXX XXXX XXXX XXXX THEY MUST BE REMOVED AND VOIDED IMMEDIATELY.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am a victim of identity theft which began by my personal items being stolen from me. Once I noticed what was happening by a fraud alert I received from my credit report, I immediately reached out to the credit bureau and each bank account/credit card account that was compromised. I spoke with Bank of America and listed each charge that was unauthorized, I made them aware that my phone and wallet was stolen and I provided them with a police report, FTC report, and also a detailed letter including all information needed to help a thorough investigation. After only 2 days, my claim was denied and the reasoning wasnt fair or justly. I did not provide anyone with permission to use my account and I dont understand why I am liable for these charges.
Consumer complaint received 2021-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-11-06
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: WELLS FARGO & COMPANY (NJ)

This account don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WELLS FARGO Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

on XX/XX/2021 I requested for the 2nd time a debt validation from Phoenix financial service via certified mail after the 1st request failed to provide a thorough break down for the alleged charges, date of alleged service rendered, list of services and a signature from the provider showing my request to release information. in which I then respond letting company know that a violation of HIPPA was made and requested that they do the right this and have this account removed from credit report. I was then contacted by mail on with a letter dated XX/XX/2021 in which they mentioned this debt being valid with no clear information of the details requested above that request to validate that this alleged debt to be valid, this now makes the 2nd time I have tried to contact this collection agency regarding this alleged debt and providing reasons why information should be removed. I then received a 2nd response dated XX/XX/2021 in which they mention that records show this debt having been disputed before and will not be reinvestigating dispute there for the information will remain on credit report. how ever I find this to be clear violation of HIPPA laws and regulations. and wish to no longer suffer from this companies mistake and have been inconvenienced long enough
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D2 Management LLC (NY)

D2 Management called about a debt on a bank account that was incurred over 11 years ago. They violated the FDCPA rules regarding disclosure by disclosing the last 4 digits of my social security number. Further, they are pursuing a debt against me solely when this particular bank account was a joint account with my husband. They also insinuated that my credit would be adversely affected if I did not pay this balance. I have this recorded on my phone and can provide proof of it if needed.
Consumer complaint received 2021-11-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I'm a client banking with chase and have been recently involved in bank/check fraud. This was my first time working with this new customer and as a first time transaction I require payments upfront, and then ship the product to them. 
The customer submitted a fraudulent check via Chase Bank located in XXXX XXXX XXXX XXXX XXXX, IL XXXX in the sum of {$12000.00} with a XXXX  XXXX XXXX check, address located on XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX. I had called Chase Customer Service on XX/XX/2021 at XXXX XXXX  PST to be reassured that once a check clears into my account the funds can not be retracted which is very misleading, because of a false sense of reassurance I shipped the goods to the consumer. I am also requesting a copy of this recorded call as it shows how I was mislead through Chase 's Customer Service Team. The next day on XX/XX/2021 I check and see that the amount of {$12000.00} has been retracted out of my account because it was a Altered/Fictitious check. I called my local Chase Branch and they had informed me that a check can be retracted in the time frame of up to 3 years, which is the complete opposite of what I was told with Customer Service.
Consumer complaint received 2020-01-22
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: ONEMAIN FINANCE CORPORATION (OH)

I want to complain these accounts because of its inaccuracy. There is only one late 120 days on this as a negative remark. The thing is, it is a clear inaccuracy. I believe this needs to be corrected. Please help me out as I am trying to build my credit that is up to par. Your help will be greatly appreciated.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (WI)

I purchased a {$500.00} XXXX XXXX XXXX, and it was declined for an online purchase. I called and told I needed to register my card and they sent me to an automated line. But when I type in my card number I get sent directly to a XXXX and am unable to change the pin or register the card. They then tell me to use in in store. Again it was declined. I call again and they say I need to change the pin and again send me to the automated system, or direct me the the website, XXXX, which tells me there is a problem with my card and to call customer service. After about the 5th phone call in which the XXXX states that in order to send me new card I need to go to the automated system to first register my card. But again the automated system does not recognize the card number and directs me to a different csr. And the entire cycle continues. This is a XXXX XXXX XXXX purchased from a XXXX XXXX XXXX XXXX sold by US Bank.
Consumer complaint received 2021-08-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helm Associates (PA)

FTC filed HELM ASSOCIATES debt is no obligation of my and was the result of identity theft. Stop falsely reporting this to XXXX. This account have already been removed from XXXX  and XXXX. This is a violation of my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691
Consumer complaint received 2021-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

On my credit report, I have two medical collections from AWA Collections. One medical collection for {$100.00}, and another for {$100.00}. 

I called AWA Collections regarding the two medical collections and was told they have no record of the {$100.00} collection. Even though it still shows up on my credit report as unpaid and belonging to AWA Collections. I spoke to a representative named XXXX. I haven't paid the debt, so I'm unsure how to proceed other than reporting it. I dispute the collection. 

Information : AWA Collections, XXXX, Opened : XXXX, XXXX : XXXX, Balance : {$100.00}, Last Actiity : COLLECTION XXXX, Decode : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX, " UNPAID ; MEDICAL ; ORIGINAL CREDITOR BUSSINESS TYPE : MEDICAL/HEALTH ; ACCT SUBMITTED TO COLLECTION ; PAST DUE PAST {$100.00}
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Called Bank of America XXXX on XX/XX/2018 Spoke with three different departments. Very helpful all three departments. 
Ended up with the Charge Off department. 
My question to her what and why a Account Charged off? When each month for the last three years a reacurring payment were paid directly to the collection company. 
Twice once from the Company and one from the Collection Company to neogiate amount that is due. My reply to both was no it is my debit and I need to pay them off. 
Account Charge off defination from Bank of America, " Any Account that has become deliquent ''. My understanding of Charge Off is the amount that was agreed by me and the company to write off, which would generate a XXXX Cancellation of Debt. 
Interest being low I was looking to modify my Mortgage. After speaking with the Mortgage Company their concern was the write off and no payments being shown. 
Balance due changes with my payments. But no payments are shown. Report shows " 0 '' payments received for the past three years. This is incorrect and if needed I will send copy of bank statements showing all my payments. 
The Bank Of America with this statement on my Credit Report has caused me very large problems. They might of Charge off the Account, but I feel they are not reporting the correct information when they do not show all of my payments.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (KY)

XX/XX/XXXX @ XXXX I called XXXX -- XXXX XXXXWells Fargo Credit Card Services and spoke to XXXX XXXX '' CSR customer service ] I discussed the possibility of settling my Credit Card debt [ {$3800.00} ], due to XXXX, illness, and a decrease in income. My offer was {$1500.00} XXXX countered with {$2100.00}. I declined because I was unable to perform. I was receiving phone calls and letters of past due and late fees as I continue to write to the numerous and varying addresses in hopes of getting a settlement. I sent letters XXXX. [ XXXX ] XX/XX/XXXX. All requesting settlement. Meanwhile fees are mounting and I am getting nothing but harassing debt collection phone calls. I blocked the calls. Actively searched online and and CSR " XXXX '' contacted me on XX/XX/XXXX. After a lengthy conversation and requesting contact by email, she informed me, she was unable to accept the settlement because it was not her department, but advised that she would get back to me. My request to XXXX was to have someone of authority, a Manager contact me via email. Today, XX/XX/XXXX I got an email. I call XXXX spoke with CSRXXXX and requested a Manager. XXXX, Escalation Team Member, spoke to me. He reviewed notes in the file and I reviewed with him the difficulties and frustration with trying to get this debt settled. I read my offer : My offer of {$1700.00} still stands WITH this agreement this debt will be paid in full to Wells Fargo Card Services. The offer was not accepted and the debt will be charged off at the end of the this month. Prior to I had never missed a payment or was late.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian, XXXX and XXXX to let them know they are reporting incorrect personal information on my report including incorrect addresses, incorrect debts and social security numbers. 
I have asked them to provide me with the following : Any contract or agreement with the original health care provider that grants the authority to report on this alleged debt you must be in compliance with subtitle D of the ARRA, SEC. 13401. Application of security provisions and penalties to business associated of covered entities ; and SEC. 13407 ( 1 ) Breach of security and the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/2009. Under the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) your company will face liabilities if they do not : Provide accurate information Prohibition Prevent reporting information with actual knowledge of errors.

I demanded them send me the following documents : 1. Copies of any agreement with my wet ink signature and a copy of any HIPAA authorization form.

2. A copy of the contract between the collection company, credit bureau and the original creditor with authorization to legally collect and report on this debt.

I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). They are required under the above named titled and section, to show lawful authority to report and collect on an alleged debt claim ; I requested the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.

The original application for this account with my signature.

A copy of the agreement authorizing your company to collected on their behalf of the original creditor.

FULL detailed accounting history on the account and the calculations on how they reached the amount owe.

Provide verification on any judgments connected to this account.

Provide the license to collect and report in my state and registered agent name with their address.

Please show proof that the Statue of Limitations has not expired in my state for this account.

Provide the date of the last payment on this account.

Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions.