davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

*This is the second of two similar complaints that reference two completely different accounts. Both are CapitalOne QuickSilver cards. I have 2 CapitalOne Quicksilver Credit cards with an purchase APR of 22.99 % and a Cash Advance APR of 22.99 %. The Cash Advance includes direct fee at time of disbursal. The APR on a Cash Advance is also accrued daily versus the purchase APR which is done monthly. After paying the minimum amount due on the card, any monies in excess of that minimum should then be applied to the highest APR on the account. Again, in my case both are numerically the same. But the balance on the Cash Advance is charged direct fees to use plus the interest is accrued daily. If I made {$100.00} in purchases the same day I took out a cash advance of {$100.00}, by the end of the billing cycle if all was the same, the Cash Advance would have higher balance. The representatives at CapitalOne stated that only the actual numeric value of the APR matters, not anything else. This has allowed the bank to charge me much more money then if they had applied my payments correctly. Perhaps this is a direct tactic to get around the federal law in some sense. CapitalOne also bill the two balances on different dates as far as interest accrual.
Consumer complaint received 2021-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (FL)

Hi CFPB, I had closed my American Express Serve account on approximately XX/XX/2021, transferring out the remaining {$500.00} to my outside checking account. However, American Express Serve had taken back the {$500.00} from my account with no explanation and have not been able to locate or identify where my {$500.00} is. Their customer service team has been very dismissive of my request despite repeated calls and attempts to locate my money. I would like to file this complaint in order to have American Express Serve return my money. 

Thank you, XXXX
Consumer complaint received 2023-01-27
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters
Consumer complaint received 2020-09-12
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: EQUIFAX, INC. (NC)

I called XXXX approximately XX/XX/2020 and requested information concerning the debt which they claim I owe them. XXXX refused to tell me anything about the alleged debt. I filed several disputes with Equifax concerning XXXX over the past year. each time I file the dispute there was no evidence submitted which proves that I owe the debt but Equifax still closed the dispute without proof that I owe the debt. Equifax kept the debt on my credit report. In retaliation XXXX reported monthly causing my credit score to plummet. Again on XX/XX/2020 I filed another dispute against XXXX. On XXXX XXXX I was notified that Equifax decreased my credit score by 29 points. Equifax cited derogatory remarks from XXXX as the change which caused the drop in my score. I called Equifax to ask them how could they decrease my score based on inaccurate information which is also in the dispute process. I was bounced around from person to person for about an hour. then I was simply hung up on. There has been no resolution to this problem and it has hurt my credit very much. No proof of debt owed has been provided by XXXX. I don't understand how Equifax is allowing this to occur. This is a total violation of FCA.
Consumer complaint received 2020-11-03
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. (CT)

I submitted a dispute on XX/XX/2020 via certified mail to Transunion for multiple Violations and Inaccurate info on my credit report along with a Picture of My recent utility bill, drivers license, and my social security card expecting for them to do an investigation. 
They received my dispute on XX/XX/2020 and then sent me a reply claiming that my proof of address was not acceptable. Yet they sent their reply to my current address and received my which shows that my address is on their file. They are choosing to use stall tactics so that they don't have to address the numerous RE-AGING Violations on my account { Credit report }. This is the second time I have received their reply to my current address claiming that my proof of Address is unacceptable! The first was in XXXX when i sent them a letter trying to fix my personal info which they have listed inaccurately as well. 
Please help me to be able to get a proper investigation according to the FCRA laws that I've read online. Thank You and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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: WELLS FARGO & COMPANY (NY)

On XX/XX/3023 I stopped my Wells Fargo debit card ending in XXXX and ordered another. The bank authorized charged on the card on XX/XX/XXXX, XXXX, XXXX Totalling {$290.00}.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX XXXX I'm tired of this. We want to move on with our lives. 

It is against the law to exchange money for XXXX in the state of Texas. Period, full stop. I have clearly stated XXXX activity occurred and furthermore it was NOT CONSENSUAL. 

I can either a ) not be forced to pay for my own XXXX, or b ) file with law enforcement against the business. 

Either way, the receipts are the exchange of money for XXXX.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all three reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX Credit through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

XXXX
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Have disputed several fraudulent accounts on my credit report with TransUnion and submitted FTC Identity Theft Affidavit/Report ( OMB control # XXXX, FTC reference number XXXX ) but they have chosen to not remove all of the fraudulent account information.
Consumer complaint received 2018-07-10
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. (DC)

I have a late payment noted by XXXX on my credit report on XX/XX/2014. I have contacted the company numerous times to obtain proof that the payment was late as my payment records show on-time payments each month. The company has yet to be able to confirm that the payment was indeed late, and when challenged through a dispute process, they continually confirm that it was late.
Consumer complaint received 2018-07-10
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: JPMORGAN CHASE & CO. (TX)

Chase Card Services is reporting a charged off account on my 3 credit bureau files. I have never applied for this credit card and have attempted to contact them for correction. They refused to research and provide validation of debt as requested. I do not know the exact date that I contacted them but have done so on many occasions and am now requesting this be removed.
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (KS)

We paid our state property taxes of {$1800.00} in XX/XX/XXXX per advice from our CPA, and instructed our mortgage holder, US Bank, by fax on XX/XX/XXXX to not make that payment when it was due from our escrow account. They paid the state property taxes despite our instructions, resulting in a double payment. The county would only refund the overpayment to the bank, who was then supposed to return it to us. We have been attempting to get that refund since we discovered the error on XX/XX/XXXX. Representatives from US Bank have repeatedly said by telephone that they were issuing a work order to send a check for the refund. A senior representative stated by telephone on XX/XX/XXXX that the work order was not completed properly, and promised a return call on XX/XX/XXXX. We did not receive that call. We then called again on XX/XX/XXXX, and after 45 minutes on the phone finally got a promise from the call center supervisor that she would expedite the payment and follow up with us. After numerous calls and months of attempts, we are hoping that we will finally get a refund of an amount that should never have been paid by the bank. US Bank has held our money for an extended period of time and have made no effort to resolve the situation.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

Hi- I signed up for a Capital One card lastXX/XX/XXXXon a 0 % for 12 month rate. 12 months has passed, my credit score is XXXX ( pretty good ) and they are charging me 23.99 % interest. I called about it and was given a bunch of mumbo-jumbo
Consumer complaint received 2020-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (GA)

This company has been attempting to Steal money from me since 2016. In 2016 I purchased a riding lawn mower and a leaf blower from XXXX. Both items were defective and therefore I immediately contacted the company, they stated that it was no longer their problem and to speak to my local dealer to " see what they can do ''. After months of going back and forth I decided to return both items, And I did. I submitted two CFPB claims during the situation in 2016 ( CLAIM NUMBERS : XXXX and XXXX ). Now XXXX years later this company is again trying to take money it is not owed by sending it to a collection agency. This collection account is false and can be considered fraud. I will not be paying as I returned the defective items they refused to exchange or repair for me.
Consumer complaint received 2021-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TN)

This is Comenity Bank they will not stop calling multiple times a day no matter how many times I have asked them not to. They are calling me on Sunday when I have repeatedly told them not to call me on a Sunday. 

The calls are harrassing and calling from a block number is also very wrong Sunday XX/XX/2021 5 calls 1st 2 was from a restricted number XXXX and XXXX Calls 3 and 4 from phone number XXXX XXXX XXXX and XXXX Call 5 from phone number XXXX XXXX
Consumer complaint received 2022-01-07
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: Klarna AB (CA)

On XX/XX/2021 Klarna XXXX has an inquiry on my credit report that I did not authorize. I do not know what this is or why they ran my credit.
Consumer complaint received 2019-08-01
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. (NJ)

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have been responded to repeatedly with verified as accurate without providing the requested documentation.I have specifically asked for an investigation and not an electronic or XXXX verification and their method of verification but they continue to ignore my requests.
Consumer complaint received 2017-08-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lamont, Hanley & Associates, Inc. (CA)

XXXX XXXX Ref # : XXXX, XXXX XXXX ( sp? ) of Lamont, Hanley & Associates , Inc. communicates in a most unprofessional and abusive manner, using veiled threats and insulting the intelligence and professionalism of lower level employees who happen to answer the phone ( who have no access to the billing information he is looking for )
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have contacted and sent a dispute letters to the companies regarding that I never opened these accounts. However, they refuse to remove them from my credit report. I was incarcerated doing the time these account were open
Consumer complaint received 2021-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (SC)

I have reports on my credit of not paying XXXX  and XXXX XXXX XXXX the problem i called the company and they told me they had different birthday on it cause its my dads name but it got put on my credit I put dispute threw XXXX  didn't change it they told me I just need to pay but its not mine and I shouldn't have to fix my parents problems I live in there house and we have same name is where the mix up is coming from I've never missed payment on anything
Consumer complaint received 2018-07-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (VA)

I want early warning system to stop reporting inactive stuff on my report and it is so in fair to me the way they reporting my info from XXXX XXXXXXXX XXXX and I want them to remove everything from XXXX XXXX XXXXXXXX I don't owe them any thing and my account is not fraud and they need to take that off my early warning system.Thanks.
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (NJ)

On XX/XX/XXXX I tried to stake {$400.00} worth of my CRO coin ( Crypto.com coin ), which had a balance of approx {$1900.00} at the time. Instead of deducting XXXX from this balance, they incorrectly charged my credit card {$410.00}. This card also charges a {$50.00} fee for any Crypto transactions. I immediately contacted Crypto.com and explained that they incorrectly charged my credit card due to a glitch in their system, and they need to cancel the transaction and reverse it immediately. This is easy to do by other companies, but they stated they couldnt do it and to ask my credit card company to handle it. I contacted my credit card company and they told me I wouldnt be responsible for the unauthorized charge and they would take care of it. My credit card company later refunded me the the {$410.00} and {$50.00} fee. 

On XX/XX/XXXX I transferred {$6000.00} from my savings account to my Crypto.com XXXX account so that I can make some purchases with the Crypto.com debit card. Recently Ive noticed I couldnt access the card nor move my money around. I contacted them through chat, and initially they stated that I had to get a letter from my credit card company stating that I was the owner of the credit card. I wasnt happy about that but was willing to do it. They then added that I needed another letter stating that I was withdrawing my initial credit card dispute of {$410.00} which THEY incorrectly made to my card. When I checked my account again and tried to buy something, I noticed that Crypto.com froze so my accounts preventing me from accessing my money! They stated that all my money was somehow related to the initial dispute. They are refusing to let me access my own money unless I provide these 2 letters. They are holding my money hostage. This is almost coercion or extortion.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (MI)

Below are the following accounts appear to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in one of the Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account. 

NAVY FEDERAL CR UNION XXXX Balance {$3100.00} NAVY FEDERAL CR UNION XXXX Balance {$25000.00}
Consumer complaint received 2021-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I did nor authorize company to make an inquiry on XX/XX/XXXX. I have 2 vehicles with Affinity which were purchased same day in XXXX.
Consumer complaint received 2016-05-11
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I was preapproved for a Mortgage with 10 % downpayment and a fixed interest rate. After submitting an offer on a house and paying for Earnest money, inspections, application fees, and 2 weeks away from the closing date, my lender informed me that they now required a 20 % down payment and were increasing the quoted interest rate by .6 %. The house offer was made and planned for based on the preapproval and I do n't have the additional 10 % down payment available. Because of the late notice, it is near impossible to get financing with another lender before the closing date.
Consumer complaint received 2023-02-03
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. (AR)

By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I have a loan with XXXXXXXX XXXX XXXX XXXX and XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information and I need you to correct them as soon as possible : XXXX XXXX Opened XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$270.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$450.00}
Consumer complaint received 2017-04-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Oakridge Direct Solutions Inc. (IL)

My son received a call from someone claiming to be an attorney. Saying there was an outstanding debt owed and a lawsuit and they were going to levy bank account. So he returned call. They said there was a bank debt and repeated same thing they said in  Voice m ail. Then the only information they gave him was birthdate. It was my birthdate not his he told them not his. He is The  XXXX  and  XXXX  they were looking for me I 'm  XXXX   XXXX . They just hung up on him. He told me about what they said. Problem is all my credit accounts are paid and closed. Except fo r my 2  cars which are current. So I googled number found a few people said scammers so I decided to call their number because I knew of no debt no lawsuit and figured is a scam because why did n't they call me creditor would have phone number and ca n't have lawsuit without being served. Plus I 've been in contact via mail with all my creditors last year ev ery one some 2 and three  times to close accounts. So I called and wow they picked up o n two  rings. Did n't identify themselves or company. I asked who is this then they said who is this you called. I said I want to know whose number this is and then gentleman hung up. I 'm pretty sure it 's a scam but figured after calling and refusing to identify who they were definitely a scam so I wanted to file Complaint I figured CFPB could pull phone number and find if was a legitimate business. Their number was  XXXX . There are to many scammers and if this is like I think a scam I might be helping others.