davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Dear Sir : I have had a Walmart credit card for many years. I am in XXXX XXXX  and do travel oversea at the least six months out of a year. I put all my credit cards, including Walmarts, on automatic payments to avoid any issue. This worked very well for years. I have never had delinquent payment and maintain a sterling credit. In XXXX of this year, out of blue, I received a delinquent notice from Capital One, apparently the new financial institution handling Walmart credit card. I have never received a statement nor any notice from Capitol One. They demanded immediate payment for my charge ( only one charge for gas ) plus penalty and interests. In addition, they threatened additional penalty and interests. I was out of the country at time. My secretary informed me of the notice. I went on the Walmart credit card website to check. I was not able to log on. It flashed a message stating that there was technical problem with the website. I decided to go ahead paying the charge to avoid further problem and the additional fee and interests. I planned to deal with the issue upon my return to the States. I authorized my secretary to pay the {$20.00} charge for gas I purchased in XX/XX/XXXX, plus a {$20.00} late fee, and {$0.00} interest by a bank note. I was only able to return home recently due to the worldwide pandemic. I called the credit card customer 's service ; first spoke to an intake person, XXXX, later to a supervisor, XXXX. I was informed that Capital One has taken over my account from another bank. They had problem transferring all the accounts, especially customers with automatic payment. My problem was not unique. I should have signed on with Capitol One which I did not know and could not have done so. They also informed me that they had sent me a new credit card which I never received. I was not informed of the bank change nor given permission for the change. Furthermore, it is my understanding that this change had gone on for many months in XXXX and they had no problem receiving my automatic payment until XX/XX/XXXX. I requested that I am to be refunded the {$20.00} late fee and the {$0.00} in interest. It is more a matter of principle than the amount of money. This is totally a Walmart and Capitol One issue. I am a loyal and conscientious Walmart customer who is being penalized for their internal problem. Yet, I was informed that since I PAID the penalty and interest, there is no way I can get the disputed money back. This is the most unscrupulous answer I can think of ; hence, this complaint. I hope you will investigate this matter and resolve the issue. Since I am not the only customer who is having the problem, as I was informed by both XXXX and XXXX, I wonder how many similar customers Capitol One had taken advantage of. This can be a lucrative scam. Thank you and sincerely, XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

My roommate was stealing my Chase debit card and drivers license ; pretending to be me and withdrawing money from my account. He admitted that he figured out my pin because it happens to be the same as my phone password. 

He also admitted that he would sneak into my room while I was sleeping and put the card back before I woke up. 

He apologized but says he spent the money. I tried to dispute this with Chase but they claim that since my debit card PIN number was used that they cant prove it wasnt me. I never gave him to use my card, according to Chase/Visa  's policy they have to give me a refund. 

Although they advertise that I have 100 % Fraud Protection they refuse to give me my money back. 

ATM Withdrawl - XX/XX/XXXX - {$2600.00} ATM Withdrawl - XX/XX/XXXX - {$1100.00} ATM Withdrawl - XX/XX/XXXX - {$2100.00} ATM Withdrawl - XX/XX/XXXX - {$2000.00}
Consumer complaint received 2021-11-09
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2021-08-23
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)

On XX/XX/20 Experian business XXXX. has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Consumer complaint received 2019-06-06
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX**** , XXXX XXXX XXXX****, XXXX  XXXX XXXX XXXX  XXXX****, XXXX XXXX XXXX   XXXX****, XXXX XXXX  XXXX** , XXXX/XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX****
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (NJ)

On XX/XX/2021 I received four emails ( one for each deposit ) saying that there wasn't enough money in my checking account to cover the 4 ACH deposits that were made, in the amounts of {$120.00}, {$200.00}, {$250.00}, and {$220.00}. The emails stated that if I didn't deposit enough money to cover these amounts within 7 days, the cryptocurrency in my account would be liquidated to cover these amounts. I followed the instructions in the FAQ on how to deposit more fiat, but it failed several times. I was finally able to deposit money into my account using my debit card on XX/XX/2021. I deposited a little extra to cover costs {$150.00}, {$200.00}, {$230.00}, and {$270.00}. All amounts show up as having cleared in my bank account. Since the company FAQ/support page stated that overdrawn accounts are usually restored within 5 days, after depositing the fiat, I simply waited. After all, they sent me an email automatically, it stood to reason that once they got their money, my account would be restored and I could trade again. After six days, and having had no contact from the company, and my account still locked, I sent them an email on XX/XX/XXXX, to which there was no reply. I finally opened a support ticket on XX/XX/XXXX. I got a form reply that they were still working on my ticket. I also tweeted under their company twitter with my ticket #, since it seemed that other annoyed customers who tweeted on their XXXX account got some sort of response. My tweet did not get a reply. 

On XX/XX/2021, I finally got a reply to the email I sent on XX/XX/2021. It thanked me for fixing my negative balance, and said my account would be unlocked within five days, and if it wasn't to send an email back to them. Five days passed, and my account was still locked. I sent an email to the account which told me to notify them if my account was still locked on XX/XX/2021, and received no reply. I checked my account this morning. As of XX/XX/2021, XXXX EST, my account is still locked, and I can not withdraw any of my money.
Consumer complaint received 2022-09-16
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. (TX)

On XX/XX/2022 I requested a copy of all three credit reports via XXXX and I noticed that my Trans Union Credit report as well a my XXXX credit report had identical Collection Account from : XXXX XXXX XXXX. Both credit agencies reported This account status as OPEN and showed a PAST DUE BALANCE of {$1200.00}. This is violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. 

According to the Fair credit reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable, and accurate. 

I IMMEDIATELY called and sent notarized letters demanding remove this account from my credit report, and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 

XXXX completed this process and scheduled the removal to be reflected as of XX/XX/2022. Trans Union ignored my request and instead reached out to XXXX XXXX XXXX and informed them to change the status of the account from OPEN and to remove the PAST DUE balance so they could keep this. item on my report. By the next round of monthly reporting Trans Union updated the account type to COLLECTION and removed PAST DUE and replaced it with UNPAID. They noted in my credit profile that account information disputed by consumer, meets FCRA requirements. This of course was not true this Account had been reported inaccurately for the last 4 year on my Trans Union credit report which affected me negatively.
Consumer complaint received 2021-11-09
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 (NV)

I reported an alleged Capital one credit card account to credit reporting bureau for investigation. After the merchant, Capital One bank, erroneously reported 34 charge-offs On one credit card, Merchant refused to provide any 1099C as required by law and refused Validate said debt pursuant to the FDCPA. 
The merchant, Capital One bank has already received a tax credit for the full Charge off amount which then is supposed to be filed on my taxes as consumer income after being charged off. Said merchant refused to provide 1099C and the credit reporting bureau did not properly investigate this issue. The credit reporting bureau continues to illegally report late payments and credit utilization on my consumer report. The Capital one account the credit bureau is reporting is in violation of 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) which states that my " consumer report should not include Transactions or Experiences between the consumer and Person making report. Transactions subject to the foregoing include the line of credit extended to consumer by corporations and how it is used. This is being reported on my report by said credit bureau as " Payment history '' Experiences subject to the foregoing include the amount of credit being used by consumer. This is being reported on my credit report as " Credit utilization ''. Further, the credit reporting bureau continues to report late payments allegedly pursuant to my student loans on closed accounts.

All of the foregoing violations are subject to 15 USC 1692 ( k ) and said violations are preventing me from getting credit and approved for financing. The Credit Reporting Bureau is damaging my credit worthiness.
Consumer complaint received 2021-06-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/XXXX an unauthorized automatic payment purchase on my Paypal credit acct. 1st payment made, then autopay was then canceled. Also received email of unusual activity on account. XX/XX/XXXX their were 2 people that had money sent to them. Both for $ XXXXAnother person purchased something for {$85.00} an I was refunded. I tried to call Pp you can't. Got on chat, reduced amount available. I wanted it locked!! Changed pswrd multiple times. Another email unusual activity on acct. Removed all cards linked to acct. XX/XX/XXXX!!! even after removing all ACCTS. 2 PEOPLE WERE SENT MONEY {$80.00}. I was even emailed they " broke my security questions '' and still they did nothing to shut it down now! This was all done on Pp credit. One was canceled One stopped auto pay the rest were denied. Including after I pulled linked accts.
Consumer complaint received 2020-07-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am still waiting on Transunion to fix another problem with a 25 year old issue thats showing up on my report thats not mine and today theres something on my report that has no information of where it came from, when it was opened, who opened it, and I have NEVER taken out a payday loan in my life!
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (NM)

In XXXX of XXXX I purchased a diamond ring from XXXX, I put down XXXX XXXX dollars on that ring and my payments were XXXX a month. I put this account on auto pay. Account number XXXX. I put this account on auto pay. I was never late for more than two years, they sent me a payment book, so on the last payment in my book I made the payment then closed out the account. A month later I recieved a cll from Monterey stating I owed them one more payment at a balloned cost to close out the account. They advised me because it was the last payment I had to pay more to close out the account. I advised them I still have the payment book in my possesion, and I did in fact make the last payment. I tried to settle this account at the payment I had before I closed the account. Monterey advised me they would not except that payment. I did not recieve anything in the mail advising me I had another payment, and I did not recieve anything in the mail about the last payment being larger than the origanal payment of XXXX. I finished paying on this account in XXXX of XXXX. I was never late and I never spoke to Monterey for overr two years until the last payment issue came up.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

At XXXX on XXXX I started receiving SMS verification codes from Coinbase. I woke up around XXXX due to constant pinging of my cell phone and saw all these texts and instantly knew something was wrong. I got multiple other texts saying withdrawals have been delayed for security purposes. I didnt do or authorize any of these. I jumped out of bed and instantly disabled my account online with Coinbase. I used their online submission form to disable. Since CB has no live agents to chat with I emailed them to ensure they knew these withdrawals were fraud. Since my account was XXXX I could not sign in to cancel these withdrawals. Ive emailed CB multiple times to inquire if they stopped these withdrawals that they put a delay on. I have heard nothing from CB on resolving this issue. On XXXX I started the account recovery process so had to send them pics of my drivers license and a selfie of me. They state it will be 4 days to recover my account. Since no communication from CB I dont know if they stopped these withdrawals or not. I have emailed 3-4 times with no response. 36 hours later and with 6 figures in my account before the hack I have no idea if I have any money left. Crazy that they cant assist me quicker and a multi billion dollar company has no live agents to help people immediately for these issues.
Consumer complaint received 2021-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

Hyundai Motor Finance Company. The amount when first bill came was {$15000.00}. Payments are {$220.00} principal and interest. Every month for the last 14 months I have been paying {$300.00}. Which is {$73.00} over payment amount which was to go towards the principal of the loan. After a few payments I noticed the monthly amount was not changing like I thought it was suppose to. Called the company and I thought it was taken care of that the {$73.00} would now go towards the principal. This last payment I started adding things up and it still was not right. Call the company back again, they have been taking additional off the top of the {$73.00} and then applying the leftovers to the principal and then they tell me they can only go back 90 days to correct the problem and I have to call them every month to let them know to apply the {$73.00} to the principal.
Consumer complaint received 2022-09-16
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. (NM)

The credit reporting agency stated that these accounts were properly investigated and came back as verified. however, how is this true when there are several inaccuracies showing on my report? As a customer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 u.s.c. 1681i ( 7 ) Method of verification- description of reinvestigation procedure
Consumer complaint received 2020-02-19
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. (CT)

In an attempt to fix up some errors on my credit report, I have asked on several different occasions that the credit bureau 's verify that the information from a XXXX XXXX account that had been sold to XXXX was reporting correctly. first letter dated XX/XX/XXXX it came back " verified '' from the credit bureau 's. I asked again, letter dated XX/XX/XXXX, the last one i sent on XX/XX/XXXX using the CFPB dispute letter. Each time, the credit bureau 's came back " verified '' or information " updated '' and the accounts are still reporting incorrectly according to what I can see and they have failed to respond to the CFPB letter within 30 days. None of the information that is outlined and requested on that letter had been submitted by XXXX.
Consumer complaint received 2020-02-19
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. (CA)

Ive been trying to fix the problem with TransUnion for a while. It started when I first got a credit card. Someone used my credit card fraudulently and without my knowledge and as a result they went over my credit limit. I fixed the problem with my credit card company. And when they fraudulently used my credit card and went over the limit my credit score went down from XXXX to XXXX. I asked TransUnion to fix the problem but they refuse. And since Ive been trying to fix this problem Im noticing that its impossible to fix my credit now with them. For example I paid a balance down and my credit score went down. Its supposed to go up not down. Ive been noticing someone is checking my credit hundreds of times without my knowledge and my credit score keeps going down. This is the last time I will try to deal with this before suing this company.
Consumer complaint received 2021-08-23
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. (PA)

I have never been 30 or more days late on my XXXX  XXXX account for my car loan .. XXXX  XXXX is affecting my credit with these false /erroneous late payments.. This is a violation of my rights.. Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.

Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Consumer complaint received 2020-11-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (NV)

I got a payday loan from XXXX XXXX in XXXX XXXX in XX/XX/XXXX. I unfortunately never paid anything towards it. Every year the debt is reported as new or just opened on my credit report as it now shows it was opened in XX/XX/XXXX which is utterly false. I havent been in a XXXX XXXX XXXX in years. The collection agency, NCA, keeps on renewing this debt so it wont fall off of my credit. They are unwilling to correct this problem and are difficult to work with. Isnt reporting false information to credit bureaus illegal? A XXXX  representative suggested I file a complaint. Please stop NCA from their corrupt practices and from harming my financial health.