davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX capital one added that I was late XX/XX/2021 when I had a auto payment scheduled. Regardless the fact I have two payments paid that month overall there excuse when I talked to them was that because the auto payment wasnt enough cover the exact amount needed be paid it showed as I didnt pay which is not my fault because I have them on auto payment and they should be okay with raising it if needed if I supposedly owe more not wait and give me bad remark and I always pay everyone I have no other negative remarks on my credit cards. I want keep it professional keep my 7 year relationship with them. I called tried speak for help three times last day was today XX/XX/XXXX and they stated they cant do anything about it. They wanted me send them what my credit report was saying because they are stating they did not add that I had a late payment. this is only negative thing on my account Im thankful for my partnership want to make it keep lasting but I would need help assisting me with this issue. I would really appreciate that this is removed from my credit report. I make all my payments on time and very grateful. Im just very confused why they keep saying they never reported it as a late payment when all my apps clearly state that. Please assist me with this.
Consumer complaint received 2018-07-28
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. (UT)

I have sent several letters to all three credit reporting agencies requesting that the Bankruptcies that are reported on my account should be remove do to the fact the the federal courts do not report any of this information to them. They receive this information through a third party. Upon ordering a copy of my credit report, I see two entries listing Bankruptcy Chapter # XXXX one in XX/XX/XXXX and one in XX/XX/XXXX. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported.. 

I have sent three letter to the credit agencies and have never received anything back again under the FCRA they must send validation with in thirty days of the dates of the letters. I have also call the credit agencies and still do not know if the have put a dispute on the account because they have not told me but I do know that they have not removed the Bankruptcies Chapter # XXXX. Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate.. The agencies have found information on bankruptcys through third-party research. 
I would like to have the name of the person that has worked this case and copies of letters they have sent me. Because I have the copies of letters Ive sent then but no reply but a copy of the credit report Dated XX/XX/XXXX.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX Wells Fargo closes both of my Checking and Savings account that held over {$2000.00} due to suspected fraudulent activity and did not notify me the reasons only until I called their fraud department. The issue was somebody who agreed to send me {$1500.00} for bitcoin had reported on XX/XX/XXXX that I somehow committed fraud when I had indeed sent {$1500.00} in bitcoin days after. I sent the conversation by fax to their department and have been in attempts to contact the person in dealing. Wells Fargo has told me it will hold the funds and account closed for at least two weeks until the resolution is investigated and resolved. Meanwhile I can not pay rent today, phone bill, buy food to eat, etc. even though I have not been proven guilty nor innocent. I have been with Wells Fargo for almost ten years and have never committed fraud so I dont believe this is warranted. I believe they should at least release rest of my money and hold the {$1500.00} which is being disputed until resolved.
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

They just XXXX  me and changed the subject and left me on hold for over an hour forced into listening to XXXX hold music. And said to me in a rude hateful language and would say the same XXXX things over and overwhelming until she trying to tick me by holding information on the 32 inquiry they did in less than 2months and expected me to have the dates. There is no way for me to know the dates they ran it because I didnt do it they did! XXXX XXXX XXXX I am a XXXX XXXX XXXX XXXX XXXX XXXX for NM, USA. PLEASE GET THIS UNDER CONTROL thank you
Consumer complaint received 2018-07-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/18, I made a payment of {$1000.00} to my Personal Line of Credit at Wells Fargo, intending to pay down the loan. On XX/XX/18, while attempting to make a transfer on Wells Fargo 's website, I accidentally transferred {$1900.00} into my Personal Line of Credit. This was not intended to be placed there and I called Wells Fargo as soon as I noticed this didn't go to the correct account. Wells Fargo reversed the payment on XX/XX/18. Also on XX/XX/18, Wells Fargo lowered the limit to {$400.00} ... leaving {$370.00} of available credit prior to refunding the accidental payment. When they refunded the overpayment, the balance shot up to {$1900.00}. I feel that if my overpayment were not considered, my line of credit would have been reduced to the balance on the account or around that amount and not to {$400.00} which resulted in my utilization on the account being 492 %. I have spoken with numerous departments at Wells Fargo who have refused to assist me and don't seem to grasp the issue.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Once upon of time, I open three credit card accounts with the company name Capital One. On XX/XX/2021, Capital One sent me a letter stating that they are closing my account due to " alleged '' fraudulent activity. When I contact Capital One they couldn't specify what was the " alleged '' fraudulent activity. If this was " alleged '' fraudulent activity, why does Capital one keep charging me interest as if my account is still open? They didn't care if my identity was in danger. First of all, I am a consumer and that's a violation per 15 U.S. Code 1602 ( j ) Capital one does not have the POWER to close my account without my permission. Secondly, Capital one is held liable for my emotional distress. I was not able to refinance my car because they furnished inaccurate info to the credit bureaus to damage my consumer report & gave me an XXXX XXXX per 15 USC 1681n ( a ) & ( b ) that's another violation. Capital one is in clear violation of the FDCPA Laws. I demand the deletion of the collection from my consumer report.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

I opened an XXXX business account with American Express on XX/XX/XXXX with a sign up promo for XXXX XXXX  for spending XXXX dollars in three months. I completed this spend on XX/XX/XXXX and waited the 3 months necessary to get the reward points that Amex says they can take. They managed to post the award bonus for my XXXX personal card ( XXXX points for {$3000.00} spend with an additional XXXX points on completing {$5000.00} spend ) which is shown in the screenshots below, but they never posted my XXXX business sign up bonus. At this point, I contacted american express and opened a case looking into why my award points were not awarded despite meeting the minimum spend. This was supposed to take 6-8 weeks. 8 weeks later I complained that there was no resolution to my open case and they said they would escalate my case. This was 2 months ago, and I am nowhere close to getting the promised award bonus. 

In their response, the company acknowledged their mistake and said : " We have issued XXXX bonus XXXX to your account on XX/XX/XXXX. These XXXX  have been transferred to your XXXX account and will post in 7 to 10 business days. '' This has not happened, and it is already XX/XX/XXXX.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-04-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The incorrect information that this company has on my credit report is hindering me from making moves and costing me thousands of dollars in interest every year. Incorrect personal information and unauthorized inquires. I sent letters on XX/XX/2021 it has been wayyyy past 60 days. To my understanding credit bureaus has 30 days to investigate disputes or they must DELETE the information being disputed. I have been patient long enough. I demand that these incorrect items on my credit report be removed ASAP!
Consumer complaint received 2018-10-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (GA)

Our customer send us a wire for XXXX euros from his bank to our wells fargo account, so we should have received {$57000.00} as per that days exchange rate which was@XXXX but wells fargo debited our account only with {$55000.00} with exchange rate@XXXX which is not correct. 

They are giving us all sorts of false explanation which we do not agree to and need our difference ASAP, this is illegal to deduct this much amount. 

I want an immediate action to be taken here and get my money ASAP
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

This is in dispute against the TJX rewards Platinum Mastercard ending in XXXX for SF including late fees due on XX/XX/XXXX for {$990.00}. The original purchase was for {$50.00}, with no other items. 

My elderly father, went into a XXXX store to purchase a {$50.00} pot, was asked if he would like to save 10 % on the purchase, shared his SS # ( which I have reminded him never to do again ), and a card was opened. The retail agent, never gave him a receipt, or a temporary card. Months later a bill for over {$700.00} with late fees was sent to the home. 

This is after calling more than half a dozen times, submitting multiple disputes. First to Fraud dept, then was told that it was not fraud, but incorrectly billed. Then back to fraud. 
Including XX/XX/XXXX - when it was decided that the receipt matched the purchases. However, I never, received a receipt. I never received an itemized billing statement. I never received a temporary card. I never received a permanent card. All that I have is the item purchased for {$50.00} with the tags still on, and no other merchandise. 

This card was fraudulently opened by the retail teller, using the customers SS #, and then charging multiple items that were not the customers onto the new card, that was never received. 

I have called numerous times, and my father SF, has authorized me, CF, as a permanent authorized use half a dozen times, yet still to the below date on XX/XX/XXXX, they still do not have this on record. I am being told that these calls are being recorded, therefore, there should be numerous recorded calls on this matter. 

Most recently on XX/XX/XXXX, TJX - XXXX ext XXXX saved me as a " permanent authorized user ''. After being transferred multiple times, to supervisors, then to fraud, then to another dept, I was disconnected. I did however, share my phone number as a call back number as this happened previously. They did not call back. This is after being on the phone for over 35 minutes.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion several times in XXXX of 2021 to remove all incorrect addresses on my credit report, however the agents said they were unable to do so.
Consumer complaint received 2021-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (OH)

Capio Partners XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Sent a lettering XXXX to collect a debt owed to XXXX XXXX - XXXX XXXX For service on XXXX For an amount of {$1900.00} with an offer to save me 50 % if I paid before XXXX as well as an address to pay online. 

This debt has been paid for over 2 years.
Consumer complaint received 2021-05-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose and violation of the true and lending act 15 USC 1666 ( b ). It's very stressful because it has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I don't have any choice but to seek legal remedies to take care of this issue.
Consumer complaint received 2021-05-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose and violation of the true and lending act 15 USC 1666 ( b ). It's very stressful because it has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I don't have any choice but to seek legal remedies to take care of this issue.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY (NJ)

I had a fraudulent charge on my debit card from XXXX XXXX ( XXXX XXXX ) I reported it to my debit card company TD bank to investigate. The case was closed without an investigation and/or request for evidence. I would like TD to evaluate my claim for the return of stoled funds from my account although I requested a stop of the transaction when it was pending. I was advised by TD bank to wait until the transaction was posted to dispute it and stop the transaction. I would like an investigation into this fraudulent transaction and return of the funds to my account.
Consumer complaint received 2020-06-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC. (MI)

Paid off my car loan on XX/XX/XXXX. Requested letter of lien release so I could sell the car immediately. This was the reason I paid the car off years early. Was told after the fact that an unexplained 10 day holding period was required by Ally Bank ( not sure why this would be necessary ). No mention of this was made at or during the time of the loan payoff. Had I known this I would not have invested in advertising my car for sale that day. Today is XX/XX/XXXX ( beyond the unexplained 10 day hold ), still no release provided or any communication as to when I will receive it. As a result I am being continually denied the right to freely sell my property. Ally Bank tells me they will only mail or possibly fax a copy of the letter once generated, no email capability or other modern electronic capability exists there to expedite the request. It's as if they still use stage coaches there. As a result of this delay I have lost opportunities to sell the car to interested parties while I wait for Ally Bank to act and fulfill their obligation to release the lien upon payment. I've reached out on a daily basis to Ally Bank via phone and chat to ask for resolution. No process exists according to the phone operators to accommodate or expedite this. Zero care or consideration. I'm prisoner to their antiquated ways.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IN)

I represented a protected person as her Court Appoint Guardian. The protected person is referred as XXXX with Account # XXXX. 

Under Indiana Code ( IC ) 29-3-8-5 ( b ) : Every contract, sale, or conveyance executed by a protected person is VOID. Therefore, all transactions, even if claimed to be made by the protected person XXXX, are VOID. Thus, all conveyance and transactions must be retracted, redacted and sealed. XXXX is a protected person under IC 29-3-1-13. The information of a protected person is also protected and can not be disclosed without Guardians/ Courts permission during guardianship. 

JPMCB Card Services has no legal authority to issue a Credit Card to protected person without Guardians permission. Furthermore, JPMCB has no legal authority to report, distribute and make available of a protected persons financial information to anyone without the permission of the guardian. JPMCB has not shown any legal authority that supersedes Indiana Guardianship Act.

The Credit Card and the wallet of the protected person was stolen. See Police Report Ex. 1. 

On XX/XX/2023 JPMCB stated that XXXX has no outstanding balance. See Ex 2.

I contacted JPMCB several times requesting to remove their reporting of a huge outstanding balance from the Credit Reporting Agencies, and comply with their said commitment made on XX/XX/2023. 

JPMCB is directed to contact me by email and US Mail at : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX.