davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. I first noticed it when I started receiving calls, emails, texts asking to verifying payment Info for XXXX, cap one, XXXX XXXX etc. One of my credit card companies notified me of unusual activity which prompted me to check my other accounts and banks. Upon doing so, I notice numerous unauthorized debits from my bank account to an impersonating account ( XXXX XXXX ) as well as a few very strange out of country charges. I notified the bank, filed an identity theft report, froze all my credits with bureaus and contact all parties. I sent a copy of everything and transcripts with the disputes and followed up 2/3 everyday but was told after ten business days I would receive a credit or someone would reach out with questions. No one ever called nor emailed, never wanted any documents. Although I sent them 3x proving and showing I am a victim of identity theft and these were all fraudulent charges. On the tenth business day of calling, I was yet to still hear from anyone and they couldnt located any of the 5 documents in emails I had sent ( I sent them again afterwards ). Shortly after I received a denial and was also asked to leave the bank. I have never felt treated so poorly and kicked to the curb in my life. I am not a rich person and am the victim of identity theft and at a loss over XXXX that was fraudulently taking from me account. Capital one treated me poorly and seemed to not even care to want to look too much into it or see the documents I provided showing I am a victim of identity theft. Instead they never cared to contact me, or look into the matter and just wait the ten days to deny and close my account. I still even sent everything to them again anyway showing I was scared and they showed no customer protection from a banking institution at all. Being a victim of identity theft made me feel 100x worse after the way capital one handled it and treated a customer.
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (NJ)

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts list as follow : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank In accordance with the Fair Credit Reporting act These Accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX keeps reporting equipment lost on my report as if this was not 2 years ago. I also returned the equipment from XXXX. This is reflecting on my credit report as if it was a recent activity. I had XXXX in 2019. I do not owe the XXXX XXXX is falsely representing the debt as if it is a new debt that was not paid in full with the return of the property. 


Capital One In accordance with the Fair Credit Reporting Act this creditor ( Capital One ) has violated my rights. Under Act 15 U.S.C. 1681 section 602 states " I have the right to Privacy ''. 15 U.S.C 168 section 604 A section 2 also states, " A consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a credit card account under open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (TX)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : 1. XXXX XXXX XXXX XXXX, Inquiry Date : XXXX XXXX. XXXX XXXX, Inquiry Date : XXXX 3. XXXX XXXX XXXX XXXX Inquiry Date : XXXX 4. XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, Inquiry Date : XXXX XXXX. XXXX XXXX, Inquiry Date : XXXX 7. XXXX XXXX XXXX, Inquiry Date : XXXX 9. XXXX  XXXX XXXX, Inquiry Date : XXXX 10. XXXX, Inquiry Date : XXXX 11. XXXX XXXX XXXX, XXXX Date : XXXX XXXX. XXXX XXXX, Inquiry Date : XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Consumer complaint received 2023-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MO)

I have called Mohela 10 times address forms that have been submitted, I wait for 2+ hours in the phone and keep being told that the issues is being resolved. The issues has yet to be resolved. 

I have submitted the correct forms for Federal Student Loan Forgiveness ( Public Service ), these have been verified via the phone several times to be without error but they keep processing these as duplicate forms. No one can explain why this is happening. I have called and waiting on hold for hours several times being told this issue would be resolved. It has not. I have reached my 120 payments have submitted all appropriate paperwork and spoke to several supervisors .... yet nothing has been fixed
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-14
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. (AZ)

I recently pulled my credit when I saw a change alert and saw many inquiries I do not recognize. They are not connected to me and I do not have accounts and have not contacted these companies. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently pulled my credit when I saw a change alert and saw many inquiries I do not recognize. They are not connected to me and I do not have accounts and have not contacted these companies. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NJ)

Home Depot statements were missed initially as we had issues with Covid and late fees assessed tried calling to remove the late fees and Citi bank would not do that and that dispute stayed pending. I paid principle money owed and interest and they keep calling me 3 times a day for collecting late fees. This account was opened at Home Depot and I was not aware of late fees. Regardless I have made an effort to offer them two late fees to settle which actually doubles my purchases but bank has no interest settling. Instead they want to get oasis another XXXX in addition to my payment of XXXX. That is predatory to build up late fees by using some fine print which was never shared with me
Consumer complaint received 2022-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (AL)

Installment loan of {$520.00} was paid off and the company deposited the amount {$120.00} and {$400.00} was on the credit card. The company closed the account completely and have not reimbursed me the {$400.00}. I have been calling daily and have not been able to get in contact with the company. Holds times are hours at a time. I want to be reimbursed for the {$400.00}. Now, its tell me to pay the minimum of {$25.00} and available will be {$370.00} on the website. I would like this account to be closed and refunded. Requesting that the company do not report anything negative to my credit report.
Consumer complaint received 2023-03-14
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: LoanCare, LLC (FL)

In XXXX I my mortgage was approved for forbearance. At the time my XXXX payment had not been paid. I was told over the phone by an employee of LoanCare that once I submit my XXXX payment that my account would be current and would no longer report PAST DUE. On XXXX XXXX I made my mortgage payment which I then believed brought my account to current as I was previously told. My loan was in forbearance from XXXX. This company reported my loan as past due for every month my loan was in forbearance even after me bringing it current. I have reached out to them countless times and they still have no resolution for me. The last letter I sent out was XX/XX/XXXX. This is affecting my life in a negative way. This is inaccurate information.According to the Fair Credit Reporting Act, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FCRA- you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts. With that being said I demand all late payments reporting from XXXX XXXX this account to paid as agreed, never late and the account report as current.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2023-03-14
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. (FL)

Why do you keep closing my complaint? it is not the same Dear [ Consumer Financial Protection Bureau ], I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that a consumer reporting agency Experian has been using my credit report without my written consent, in violation of 15 USC 1681 section 602, which guarantees my right to privacy. 

As per the FCRA, a consumer reporting agency is required to obtain written instructions before furnishing a consumer report, as stated in 15 USC 1681 section 604 ( A ) ( 2 ). I gave them the instructions and I was ignored. Moreover, 15 USC 1666b of the FCRA clearly states that a creditor can not treat a payment made on a credit card account under an open-end consumer credit plan as late, for any purpose. 

I have already sent a cease and desist request to the consumer reporting agency, requesting them to stop reporting late payments on my credit report. However, my letter was ignored, and no investigation was conducted by the agency. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take necessary action to ensure that my rights under the FCRA are protected. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2022-06-17
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. (DC)

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax and XXXX has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (VA)

I hired a credit repair company ( XXXX XXXX ) to help resolve issues regarding my credit report. An account I had with XXXX XXXX company is still appearing on my XXXX, Experian, and XXXX  credit report. This account was opened in XX/XX/2013. This account /item is past the statute of limitations and therefor should have been removed, however XXXX , Experian , and XXXX  have still failed to do so even after attempts by XXXX XXXX on my behalf to have it removed.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I previously filed a claim due to unauthorized charges on my accoun from XXXX for over XXXX dollars. These charges were unauthorized by me and I explained my phone was stolen and that a phone that was on my acct as a trusted phone did not belong to me an XXXX. I have had to file a previous claim with you for charges that occurred after this complaint which is under review where I had. Attached a police report. These charges were not mine and I have been serverly incoinvenced do to these transactions which have caused me to be late on rent and are causing real problems. I would like my money returned to me.
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (AZ)

Hi my name is XXXX XXXX, Im XXXX and Im from XXXX XXXX. Im sending this email with hopes of getting some assistance as I feel I have been taken advantage of by PayPal. They are requiring me to pay a fee of {$920.00} which I believe is unfair and unethical. They have also expressed that they will send this to collections which will damage my credit that I have worked hard to build and maintain. 

On XX/XX/2022, a friend of mine was attempting to send me money to purchase something from me and without us agreeing how he would pay me he found my PayPal account and accidentally sent me money via PayPal. When I saw he sent me the money on PayPal I let him know that he used the wrong payment method and we agreed that we would both contact PayPal to reverse the payment and use different means for him to get me the money that dont have such hefty fees. We both made phone calls and I was told by PayPal customer service that it would be handled ( they should have record of this phone call ). They ended up giving my friend a lot of grief and for some reason didnt want to send it back but he let me know he was working on it. XXXX months later he let me know he was able to successfully get his money returned and I didnt think much of it until I got an email from PayPal on the XXXX of XXXX stating that I had been given a fee of {$920.00} and that I needed to pay it asap. I contacted PayPal to find out what the issue was. They told me there is nothing they can do because someone that sent me money made a charge back dispute to get his money back and they are making me pay a fee for that. I was surprised that I could be so heavily punished for other peoples mistakes on their platform and their own customer services lack of effort to fix an issue all because I happen to have an account on their platform ( that I dont even use due to their hefty fees they impose on their users ). 

I never wanted the money sent to my PayPal in the first place, I never accepted it and definitely never even attempted to transfer to my bank account. Me and the other individual made attempts to reverse it through PayPal, their customer support wouldnt cooperate, and I was unaware the other individual was left with the only option to make a charge back against PayPal to get his money back. I am confused how I am being made responsible to pay fees to PayPal because another user accidentally sent me money when PayPal didnt do their part to reverse the payment. 

Please work on my behalf to resolve this matter & remove the fee in order to prevent damage to my credit. Thank you for your time and for your assistance. Let me know what other details you need from me. Respectfully, XXXX XXXX. 

XXXX
Consumer complaint received 2020-04-28
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: EQUIFAX, INC. (FL)

over the past couple of months, i have requested from all 3 credit bureaus that i need to see verifiable proof of what is being reported is 100 % accurate. i have asked for documents that bear my signature as proof. all 3 credit bureaus have failed to produce any documents or explain to me how these negative accounts on my file were verified and through what manner they were verified. all i am getting is a generic response from them that it was verified, and no reason or explanation on how, or who they spoke with or what documents were provided to verify the negative accounts that i have disputed.
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (PA)

Hello, I have filed 3 disputes and a corporate complaint as my phone was hacked and there were fraudulent XXXX transactions equating to almost {$2500.00} on XX/XX/XXXX. I have been given the run around with PNC on different departments and this is still not resolved. I will get my attorney involved as I am looking to get to a resolution and get reimbursed for direct funds from my personal bank account due to the fraud transactions. It has been 3 weeks and this is not resolved and I have been passed to different departments and there is not a resolution. This is completely unacceptable as I had my other business bank accounts hacked and I received the reimbursements back from them. This matter needs attention asap as this was not handled correctly and I am personally out of funds that I did not authorize or make the transactions as my phone and computer were hacked. The dispute department stated that it happened in my location well yes, likely it did as it happened with XXXX and XXXX XXXX as well as my XXXX credit card and XXXX  credit card and all of the other institutions have refunded me the money back from the fraud charges except for PNC Bank. I spent countless times on hold and Friday, XX/XX/XXXX I spent 4 hours on the phone with PNC and no resolution as they keep denying my dispute and will not refund me my money back from the fraud XXXX charges. I never used XXXX in my entire life and I was hacked. PNC keeps denying this and will not refund me my money even though this has been fraudulent transactions that were not from me.