davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My account with Capital One was never late! I have had exceptional payment History With Capital One and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Capital One never sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports Capital One - XXXX
Consumer complaint received 2024-03-05
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

My daughter 's wallet was stolen in XXXX on XX/XX/2024 and in her wallet were several different credit cards. She didn't realize that her wallet was stolen until the cards were used at XXXX in XXXX and we got fraud alerts where we immediately reported the cards were stolen. 

All of the cards were used to try to purchase something and one card didn't even have enough credit while for this specific card I actually got an email at XXXX asking me to confirm the purchase but I clicked no, something is wrong. Chase said that the card was tried three different times so I don't understand why they still charged us or let the purchase go through after I clicked something was wrong. 

We got charged for {$2500.00} on XX/XX/2024. At first Chase refunded us back the money, but then on XX/XX/XXXX, they denied the claim and charged us the amount again. 

I've called multiple times explaining the situation and also gave the police report, and they investigated again but denied the claim again on XXXX XXXX. They didn't provide any information about why they denied the claim and said that I had originally reported the card as lost instead of stolen so they thought our claim was fraudulent.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (NY)

The inquiries listed on my credit report when I made by me I provided dates of this information with previous request to remove these inquiries off my account as requested I am resubmitting the same information with more accurate dates so that they can be removed properly thank you
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

Account LVNVFUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) have been reporting inaccurate information on my credit report for a long time and XXXX failed to conduct a thorough investigation on the information being report. I do not recognize this account nor do I recall opening an account with the furnisher/credit. The following are missing/inaccurate informations being report as follow... 

" Account type, Account credit type, Incorrect date opened, loan/credit amount, payment status, past due amount, date of last activity, and date of last payment, incorrect and incomplete reporting 2-years payment history '' I demand these informations be updated for accuracy and corrected immediately.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo regarding a cash deposit that was made before their cut off time. They did not honor their grace period, nor my same day deposit and posted my deposit the next business day. Consequently, I was charged an overdraft fee of {$35.00}.
Consumer complaint received 2019-05-15
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: Resurgent Capital Services L.P. (GA)

I have contacted this company on numerous occasions to validate the account that they are reporting on my credit report. Have contacted my certified mail. Company refuses to validate debt and prove ownership but constantly update credit report in an attempt to continue collecting the debt. Have requested numerous times to delete this tradeline from my credit report as this is not my account.
Consumer complaint received 2016-09-07
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (TX)

My account was used to make purchases I did not authorize. When I noticed these transaction the same day they were made I reported to Netspend XXXX/XXXX/16. On XXXX/XXXX/2016 I received an email that the dispute was started and gave me a dispute number. There were XXXX transactions totaling around {$700.00}. I get XXXX and that is my only income and I have no money to survive. Netspend is refusing to credit my money back pending the investigation and told me I have to wait till XXXX/XXXX/2016 to find out the results. I had possession of my card the whole time and I dont know how this happened. But the charges were for uninversal studios in XXXX and XXXX XXXX!! Some of the transactions have cleared but some are still pending.
Consumer complaint received 2024-03-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Purchased XXXX XXXX in XXXX XXXX, TX for {$250.00}, as a present to my employee, when the person was going to use it it never worked, he was unable to use the even {$1.00} from this card. He opened a case online, then he returned the card to me. I'm talking to them since XX/XX/XXXX, still can't get my money back and its XX/XX/XXXX already. They don't have any support people on the phone number provided on the back of the card.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Transform Credit Inc. (GA)

I am unaware of opening any credit card with a balance of {$3100.00} from Transform Credit in XX/XX/year>. Transform credit opened this account without my knowledge and closed the account as of XX/XX/year> impacting my credit score by more than XXXX points. This account shouldnt have been added to my credit report and then closed less than XXXX  days of having the account. I need all documents showing my wet ink signature and approval of this account to be opened by me. I have not authorized this account to be opened and closed. Ive tried calling the company is no one is available to speak to you
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC (NY)

I called XXXX XXXX in XXXX of last year and asked for my membership to be cancelled, also i emailed the XXXX XXXX app. I was told it was taken care of. But until XXXX of 2023 i never realized they were still taking money from my account because i had a high balance available on the account. Now they have that creditor, Aldous & Associates, harassing me nonstop via mail and email. I called several times to request that they stop contacting me. They hung up the phone on me. I am tired with this nonsense between XXXX XXXX and this Aldous firm
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc. (CA)

My card was used at a restaurant on XX/XX/XXXX at XXXX. I visited the restaurant the following week to speak with the manager so they can refund the money but he said they don't have any charge for that amount in their system. He also said wait a few days a maybe the amount will drop off. I visited again XX/XX/XXXX and told him that the charge didn't drop. He again looked and said there is not pending charges and no extra money. There was no receipt either. He told me to dispute the charge with my bank. I disputed with my bank and they said I'm not allowed. Payfare XXXX XXXX is holding on to my money and not allowing me to dispute the charge. They also charged me {$5.00} for a replacement card to then tell me no disputes! 

The vendor is saying to dispute the charge and they are saying NO!
Consumer complaint received 2021-12-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (TX)

According to XXXX, I have a derogatory collection account of {$290.00} belonging to RS Clark and Associates with the original creditor being XXXX XXXX XXXX. The account was opened on XX/XX/XXXX.

As of XX/XX/XXXX, I have paid my debt to XXXX XXXX XXXX, but on XX/XX/XXXX, RS Clark and Associates was still reporting a derogatory, unpaid collection account. I disputed the account with XXXX and on XX/XX/XXXX, they reported back that the account remains. 

Additionally, I originally had no knowledge about this collection account. It was not until I opened my XXXX account on XX/XX/XXXX that I found out about this debt. I was not able to pay it off after finding out about it since RS Clark & Associates failed to send me any bills in the mail over the course of last two years. Without XXXX, I would have never known about this debt. Because of that, I went to the original creditor 's office and paid there. This should not be a derogatory account in my credit reports.
Consumer complaint received 2021-10-31
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. (MD)

I the federally protected consumer. notices multiple unauthorized account and inquiries. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. The court stated that they don't report to consumer reporting agencies regarding bankruptcy information. Pursuant to 15 U.S. Code 1681b permissible purpose with not given. I do not consent to XXXX XXXX or XXXX  verification or validation. Failure to remove the unauthorized alleged accounts will result in civil liable pursuant to 15 U.S. Code 1681n, {$1000.00} each violation committed.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (TX)

Received toll fee collection letters for vehicles sold. Provided all documents of proof of sale prior to tolls. Submitted title transfer documents to TxDMV as proof of non ownership. Still receiving collection letters and credit reporting. This is fraudulent collection that the PENNCREDIT CORPORATION is not corrected.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I was looking over my credit report i noticed i had a lot of inquiries and i called the credit bureau and was told that couldn't help me and I have to contact the company 's and they have given me numbers that don't work it's not right and after doing more research I found out my social security and information is on the web
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (FL)

On the date of XX/XX/year> I sent out the attached document requesting validation of a debt that I am unaware of that has shown up on my credit report, as well as the certified mail documentation receipt with my wet signature stating that I received the proper notification of said debt. It has been more than 30 days and I have not received anything yet this is reporting on my credit report. Please see attached.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BROKER SOLUTIONS, INC. (IL)

New American Funding of XXXX, CA is listing me as an mortgage consultant on their company websites and on XXXX searches. I have never worked there or accepted any position with them. They have set up a website for me, issued an XXXX XXXX  and an email address. I previously worked at XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX for 20 years through XX/XX/2024 ( the XXXX XXXX XXXX XXXX went out of business ) and immediately started my employment at XXXX XXXXXXXX XXXX XXXX  on XX/XX/2024. Inquiries from past clients and referral sources are being directed to an XXXX XXXX or an email address per these on line advertisements/searches which will never get to me. This has apparently been going on for the past 34 days. It is unknown how many people have tried to contact me this way. It is also unknown how this has financially harmed me.
Consumer complaint received 2015-08-13
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SIMM Associates, Inc. (NY)

I have been having terrible financial difficulties for a couple of years now and have n't been able to pay off my debts in a timely manner like I used to. For one debt, I have been receiving letter after letter, phone call after phone call from a debt collector trying to collect the debt. That 's OK -- that 's their job and we do owe the money. However, yesterday, the lady from the debt collection agency called the co-signer on one of my loans and berated and harassed him, using mean and abusive language. She even suggested that he put his land and house up for sale or put it up as collateral to help pay off our loan. That is taking it way too far and is absolutely uncalled for. In addition, when they leave messages on our phones, they do n't do what every other debt collector does : say that the message is intended for someone in particular and if the person listening is not the intended recipient of the call then he/she should hang up. Instead, they just start spouting personal information, like the name and the account number of the debtor and then say that it is an attempt to collect a debt. I am appalled by the divulgence of my personal information in a voicemail message.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Movement Mortgage LLC (SC)

Movement Mortgage Company, XXXX, SC I received 4 % resident tax exemption /deduction in XXXX XXXX. On XXXX XXXX contacted /notified/ asked Movement Mortgage about exemption and how it was applied. I was informed they sent refund check, and would adjust escrow. I informed them I never received an reimbursement check. They then sent an escrow refund payment in XX/XX/XXXX. In XX/XX/XXXX, a professional was helping me manage retirement funds ( I am XXXX years old ), they noted that my escrow was extremely high for my loan amount and that the 4 % exemption had not been applied. I was shown that I was paying same escrow since loan origination in XX/XX/XXXX through XX/XX/XXXX and nothing had been adjustment. I was encouraged to call mortgage company, yet again to ask about payments. After speaking to four maybe five people, I received a call from XXXX in escrow department, there was some confusing explanation that the loan company had made a mistake ( that wasn't the wording and that was used ) my escrow had been adjusted from {$1700.00} to XXXX ( a considerable difference for me as a XXXX ). A refund check was sent of XXXX. My concern and complaint is if this was predatory/ lending and practices against me as a XXXX XXXX XXXX XXXX? I am also questioning my very low loan amount and very high escrow. I was well qualified for a higher loan.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (AR)

A judgement for Discover Bank was mail to me on XX/XX/2019. I never knew that I had a judgement against me until this date of XX/XX/2019. I stated that I had never gotten served papers for this judgement. The organization XXXX XXXX XXXX XXXX claim that they serve me papers. The Affidavit of Services paper that was sent to me. Is not the descriptions of me or anyone in my family. I have attach my drivers license to show proof that they didnt serve me papers.
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rausch Sturm LLP (MI)

This company has garnished my bank account for a XXXX XXXX account that does not belong to me and viewing all of the other various other complaints against this company, I am not the first person that they have done this to. My first phone call was to my bank and they advised me to contact the court house which I did. When I gave the court house the Case number associated on the paperwork I received from my bank she advised that the case was named to someone with a similar name to mine, but not in my name. She also advised that the case was from 2007 and that the summons for the court case was not ever served to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd! I asked her for the process servers name and telephone number so that I can get the information on who and when this summons was served and she advised that she did not have that information and transferred me to an actual attorney by the name of XXXX XXXX ( who is not the attorney listed on the paperwork I received from my bank. ) He could not find my account in their system whatsoever. He listed addresses and last 4 of social security numbers asking if they were mine but none of them were ( the name on the paperwork is not my name and this account does not show up on my credit report either but somehow it is being garnished from my bank account. ) XXXX XXXX could not offer any help at all because he could not even find the account with their file number that was listed on the paperwork. He asked me to scan and email the paperwork that I received from the bank to him which would not be a problem except for the fact that I do not have access to a scanner and my only bank account is overdrawn and my bank said that they can not release the funds until they receive a release from the attorney 's office ( that apparently ca n't find the account. ) Meanwhile, I am being charged with late fees, overdraft fees and have NO money and no one can assist in resolving this. I have already filed a complaint with the XXXX so my next step is to contact the MI XXXX along with getting an attorney referral in my area for someone that specializes in these types of twilight scenarios!
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Early Warning Services, LLC (OK)

I am trying to get a report from Earlywarning, on information being told about me. I 'm told I have to send a copy of my drivers license to prove my identity. However this company asked me for my social when I called. I feel sending a copy of my identity in the mail puts me at risk for identity theft which is strongly on the rise. I am refused a copy of this report to be able to fix or dispute because I refuse to send in a copy of drivers license.