davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Re : Dispute Regarding Annual Fee on Citi / AAdvantage Executive World XXXX Mastercard Account I recently disputed an automatic charge of the annual fee on my Citi / AAdvantage Executive World XXXX Mastercard. It came to my attention that this fee was applied to my account and communicated to an email address that is no longer in my possession or use, leading to an unawareness of said charge until recently contacted by phone. 

Upon receiving a phone call from a CitiBank representative over two months after the fee was charged, I was informed for the first time of the balance on my credit card due to this annual fee. It was my belief that my card had been cancelled, and therefore, I was not expecting any new charges to be applied. During this conversation, I requested the fee be waived and the account be closed, only to be informed that the grace period for disputing this fee had lapsed, rendering me responsible for the charge. 

I argue that this situation merits special consideration for the following reasons : 1. Lack of Accessible Notification : The notification of the charge was sent to an outdated email address, despite my expectations that any critical communication would be sent through a medium that ensures my prompt receipt and acknowledgment. 
2. Good Faith Misunderstanding : I was under the impression that my account had been cancelled, a misunderstanding that contributed to my lack of vigilance regarding charges to this account. 
3. Delayed Communication from CitiBank : The delay in CitiBank 's effort to contact me via alternative means ( i.e., by phone ) directly impacted my ability to dispute the charge within the provided grace period. 

Given these points, I believe my request to CitiBank to reverse these charges is not unreasonable. It is my belief that had the communication regarding this charge been conducted through a currently active channel, I would have been able to take timely action.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have been charged late fees the last XXXX months. These late fees total almost {$200.00}. 

I have taken every precaution I can to prevent these people from charging me late fees. I have mailed in my payments as well as a tivated auto pay, but they continue to charge me late fees and refuse to remove them even though my payment was mailed in time. I also have auto pay turned on.
Consumer complaint received 2022-10-05
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. (TX)

Please delete the below inquiries, listed here as well as on my identity theft report attached due to me being a victim of identity theft. 

XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX  CA XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX TEXAS XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXXT XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX Please also remove the below addresses as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA since the addresses is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-03-12
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: WELLS FARGO & COMPANY (IN)

Dear Sir/Madam, I am writing to you regarding persistent inaccuracies in the reporting of my account by Wells Fargo Dealer Services to the credit bureaus. Despite multiple attempts on my part to rectify this matter, it has become apparent that your organization has failed to address the discrepancies, leading to significant financial injury, emotional stress, and more. 

On XX/XX/XXXX, and XX/XX/XXXX, in separate investigations initiated by me, your office stated that it reviewed my account with your Credit Bureau Operations department and found that my account was reporting accurately and did not meet FCRA deletion criteria. However, I possess evidence from my XXXX and XXXX credit reports that demonstrate otherwise. These reports clearly indicate multiple items being reported incorrectly by Wells Fargo Dealer Services. 

Enclosed with this letter, you will find documentation supporting each violation found on my credit report, including evidence of incorrect payment history and inconsistencies in charge-off dates. For example, your letter addressed to me stated that the last full payment on my account was received on XX/XX/XXXX. However, my XXXX report shows the last payment as XX/XX/XXXX, while my XXXX report shows XX/XX/XXXX as well. This discrepancy of a two-year difference from my actual last payment date is a direct violation of FCRA reporting requirements. 

Furthermore, it is imperative to note that this account has been disputed for inaccuracy before and was removed. However, it has been added back with inaccurate information again, exacerbating the financial harm and emotional distress caused. 

If my account was charged off in XX/XX/XXXX, it is concerning to note that it was also charged off for 32 other months. This is a blatant violation of FCRA furnishing requirements and has caused significant harm to my creditworthiness and financial well-being. 

In light of the persistent inaccuracies and violations of FCRA reporting requirements, I am left with no choice but to pursue arbitration to seek redress for the damages caused. However, I am willing to offer Wells Fargo Dealer Services one last opportunity to resolve this matter amicably.
Consumer complaint received 2020-12-04
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. (FL)

Found issues on my reports so I sent the bureaus disputes after reading about the laws understanding the use of them on how to help myself better my credit with my identity and proof of what I discovered.This is holding me back from many things in which my credit is needed. 
I sent out 2 different letters both 30 days apart yet I got no timely response? reply all bureaus received my letters XXXX XXXX TRANS I will attach the most recent letters so you can see that they were sent certified but if you need any other proof i can do so as well.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

I filed a dispute on XX/XX/XXXX. I was given a credit for some of the charges and others were denied without explanation. Because of these charges I have been charged over XXXX dollars in fees which has led to me being charged more fees.
Consumer complaint received 2024-03-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (NY)

A couple things happened. 

I asked to be sent a document proving I owe them the debt over a month ago, they told me it would take no longer than 5 days. I never got anything. And in that time, they are still calling XXXX times a day ( which is over the once a day rule ) to my understanding not only are they calling too much, they are to cease collection attempts until proof of debt is sent, and they have not stopped emailing or calling.
Consumer complaint received 2024-03-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IA)

I was issued an American Express reward gift card from XXXX XXXX and used it once on vacation then it was declined any other time I attempted to use. It still reflected a balance but was declined everywhere online and in person after the first use. I called multiple times and only received automation which does not give me any live person. I also went online multiple times and tried to get a response that way but nothing. I looked online and it appears this is a common occurrence with American Express and possibly a way they are scamming consumers. Online I was able to see that others have filed complaints this way to get their money.
Consumer complaint received 2021-09-02
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. (GA)

I have disputed the inaccurate reportings with XXXX XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX  is reporting a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX and Equifax is reporting a status a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$8000.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$8000.00}, Equifax is not reporting this account, XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$900.00}, XXXX  and Equifax are not reporting this account, XXXXXXXX XXXX  Account Number XXXX XXXX  is reporting an XXXX date of XX/XX/XXXX with a {$72.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$72.00} balance and Equifax is not reporting this account, XXXX XXXX XXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance and Equifax is not reporting this account, XXXXXXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$69.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$69.00} balance and Equifax is not reporting this account . I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Consumer Financial Protection Bureau : Subject : Dispute of Charge-Off on Capital One Accounts Dear Consumer Financial Protection Bureau , I am writing to dispute a charge-off listed on my credit report formally. The charge-off pertains to Capital One accounts, which Capital One reports.

I have diligently reviewed my credit report and found discrepancies regarding the charge-off listed. After meticulous examination, I have grounds to believe that the charge-off is inaccurate and unjustified. Below are the details of my dispute : Inaccurate Reporting : The charge-off listed on my credit report inaccurately portrays the account 's status. Per my records and the terms of the original agreement, the account was never in default or charged off by the creditor. 

Lack of Notification : I have not received formal notification from the creditor regarding the alleged charge-off. As a responsible consumer, I expect to be informed of any significant changes in the status of my accounts. 

3. **Documentation** : I request documentation from the creditor validating the accuracy and legitimacy of the charge-off. This documentation should include details of the original agreement, payment history, and any correspondence related to the alleged default. 

4. **Resolution** : I seek a prompt investigation into this matter and request that the charge-off be corrected or removed from my credit report. This action is crucial to ensure the accuracy and fairness of my credit profile.

I kindly request that you investigate this matter per the Fair Credit Reporting Act ( FCRA ). Please inform me of the steps taken and the outcome of the investigation within the timeframe specified by law.

The creditor never sent over a 1099C form regarding the charge-off. 

Thank you for your attention to this matter. I am confident that with your assistance, we can resolve this dispute and ensure the accuracy of my credit report. 

Im asking that all accounts associated with Capital One be deleted immediately. 

Sincerely,
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (MI)

LVNV Funding aka Resurgent aka XXXX XXXX XXXX XXXX XXXX. has been asked countless times that, XXXX XXXX XXXX, signed a contract to payback debts and have recieved no such documents. Now they have sent a law firm, as a scare tactic, to get the debt paid. This is harrassment, first and foremost, worse yet, it's on a disable person. Secondly, they don't have the right last name, my last name is XXXX, not XXXX and I can show the proof, unlike them. I have disputed these debts a number of times with XXXX and lost. Now I have gotten two hassment letters from XXXX XXXX XXXX XXXX XXXX. dated XX/XX/XXXX. I had gotten letters last month from another law firm to scare me, I am tired of the harrassment. It's time for you guys to deal with them.
Consumer complaint received 2020-05-16
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: Conn's, Inc. (NV)

CONN APPLIANCES INC., an account that was closed and charged off in 2015, has persisted with reporting charge offs every month. I have disputed this with the bureaus twice this year informing them how it is a violation of the FCRA and is inaccurate reporting. The creditor nor the bureau has removed the account in question as a result of their failure to follow the FCRA. This account has a total of 53 charge offs ( 4 years ) and has harmed my credit score tremendously. This is illegal and unethical.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

I am having a problem with my Venmo Visa credit card. I have had the card for XXXX billing cycles and each time it takes weeks after payment for them to update my credit availability. I pay my statement balance in full each time. 
I have contacted them about this several times. I have attached their latest response to my inquiry.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received Bank of America 's ( BOFA 's ) decision for their review of my CFPB complaint XXXX. I reject the accuracy and support for their decision and their actions that caused my complaint and severe damage to all three of my XXXX  scores. According the attached excerpts from my XXXX/XXXX XXXX XXXX report for my two BOFA cr cards reviewed, XXXX reports a " status '' of " open, never late for the related pmts and an " Exceptional payment history '' for both cards. The first attachment is for card ending XXXX, {$2900.00} cr limit, and the second attachment is for card ended XXXX, cr limit {$2100.00}. Both excerpts show each individual XXXX  through end of XX/XX/XXXX. BOFA 's unreasonable reductions of my XXXX  limits for these cards was solely due to the fact I accidentally paid {$25.00}, posted XX/XX/XXXX, for a {$35.00} min pmt due XX/XX/XXXX. XXXX reports this pmt as made on time as does my XXXX XXXX report. Also, why did this XXXX XXXX also cause BOFA 's decision to severely reduce my cr limit on card ending XXXX? During XXXX I paid {$2400.00} on this card leaving a {$2000.00} balance. If BOFA says this one XXXX  did not cause limit reductions for both these cards they are being dishonest. In fact, the several reasons they gave me for the these reductions are disproved by my attachments.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (WI)

I got a letter in the mail from a collection agency and I called them they only asked me if I was going to pay the debt that it was a debt that I owed them I know that I did not owe them this debt because I was XXXX  originally while I was waiting for social security XXXX to be approved and it was I looked at all of my statements from the only bank that I have used for years and I sent that to the XXXX trying to resolve it through a dispute but that did not work I tried to call another company that now owns the loan and that number just keeps hanging up on me I answer all of the electronic questions but it only rings a few times and then disconnects. I know this is not my debt I don't know how somebody got my information that doesn't seem to be any other areas that of my bank account or anything else so they obviously don't have that information but they have just enough information to get a loan I guess I'm not sure how but because if they used my employment information at the time I was on XXXX  and then on XXXX after that so I can't imagine anybody would give me a loan based on my personal employment information or income information at the time because I like I said I'm on an it was on XXXX  and now I am on XXXX.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX closde this account in XX/XX/2016 they are reporting a late payment every month since then, they are also reporting a monthly payment of XXXX XXXX  monthly on my TransUnion on a closed account. As well as the high balance is reporting {$10000.00} but the account balances over {$17000.00}. How is that possible?? all of this is incorrect information and they will not change it I have disputed this account numerous of times. The company hasn't done anything to update the incorrect information.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I attempted to order a cashiers check using the Capital One app on XX/XX/24. When clicking on the " get a cashiers check '' icon and then the " order a cashiers check " icon a message appears saying " something went wrong ''. I called Capital One and was told to go to Capitalone.com and order it on the website. The website redirects me to the app login and the same result. I called 2 more times and spoke to call centers in XXXX  and XXXX XXXX. They said that my account does not provide cashiers checks. I advised that I have had this account for decades and never had been told that before. Additionally, the app for my account does not state that anywhere and provides all information to perform this service. The call center personnel could not help to get this resolved and refused to provide me with a phone contact to a banker.
Consumer complaint received 2024-03-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CrossCountry Mortgage LLC (NJ)

Update Request for XXXX Debt ( Account Number : XXXX ) I am writing to inform you that the necessary documentation for the discharge of debt, specifically Form 1099C, has been submitted in accordance with the requirements outlined by the Internal Revenue Service ( IRS ). 

I kindly request that you take the necessary steps to update all records associated with the XXXX debt indicated by the aforementioned 1099C form. 

It is crucial for the accuracy of my financial records that this information is promptly updated. I trust that Cross Country Mortgage LLC will ensure the proper handling of this matter. 

Should you require any further documentation or clarification regarding this request, please do not hesitate to contact me via email at XXXX. 

Thank you for your attention to this matter. Your prompt action in updating the records is greatly appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (NY)

Coinbase has two separate User Interfaces for selling cryptocurrency. The simple, and default, user interface has fees that are 2-3x as high as using the alternative interface. On XX/XX/year>, I sold {$12000.00} in XXXX cryptocurrency and got charged {$180.00} in fees. The fees on the 'advanced ' / alternative user interface would have been far lower -- {$76.00}. 

On XX/XX/year>, I contacted Coinbase in order to receive a refund for the difference in fees for the sale. The agent refused to make this refund, additionally incorrectly claiming that it was due to the order type or the fact that the transaction happened on the blockchain. Neither are relevant to partial refunds of Coinbase fees.