davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/2020 I received copies of my completed tax returns in the mail that were prepared by XXXX XXXX XXXX XXXX. I immediately noticed that my refund of {$12000.00} was set to be deposited on XX/XX/XXXX into a bank account that was not mine. I called the IRS and Mr. XXXX to inform them of this error. I was told by the IRS that they need 10 days to stop an electronic deposit from hitting an account. The rep provided with the name of the bank and advised me to call the back and notify them of the error so that they could return the funds to the IRS. I called Citizens Bank and visited the branch at XXXX XXXX XXXX XXXX, XXXX, OH. While in the branch I spoke with the Branch Manager and an Associate who took down all my information including the account number ( XXXX ). They assured me they were notating the account and escalating the matter through the proper channels. I also continued to call the bank for the next week and was told that the notes were there and that the funds would be returned in a few days or so. The Rep at Citizens confirmed like the IRS rep that the names did not match the account and since it was coming from the IRS they would definitely return the funds. 
To no avail, I contacted Citizens Bank at least a dozen times and was told different stories by different reps. In early XXXX, one Supervisor told me that I needed a letter from the IRS stating that indeed it was an error. I contacted the IRS and they told me that they do not send letters but that they would put a trace on the funds and that would result in the bank returning the funds. I continued following up with the bank and being told it was being investigated. I called again 3 weeks ago and spoke to another Supervisor who reached out to the ACH department while I was on the line. She told me a man by the name of XXXX was handling the case and he could give us an update. She was unsuccessful in reaching XXXX so took my information and said that XXXX would follow-up with me in XXXX hours. I did not hear from XXXX. I called again today XXXX XX/XX/XXXX ) and spoke to another Supervisor by the name of XXXX. XXXX reached to the ACH department and came back to the line about 15 minutes later. She told that she had an update but it wasnt good news. She professed that the bank did not immediately put a hold on the funds and the account holder had withdrawn most of the funds and the account was overdrawn and that there was nothing the bank could do. 
I am beyond devastated and angry. Citizens Bank took me on an emotional roller coaster for over 4 months only to tell me they gave my money away and that basically its too bad because they dont feel they are responsible. How could they not be responsible after I informed them before the funds were even deposited that there was fraudulent activity? I will ultimately pursue legal action if I need to. This is a large sum of money and they are responsible.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2020, I applied for a Amazon Prime Card, I read through the fine print of the disclosures to see who would be the issuing card bank before I applied. It said XXXX XXXX. I applied because Amazon Prime stated the card was issued by XXXX XXXX. I got a response from JP Morgan Chase Bank, denying my request for credit. I already have a card from XXXX XXXX, so I knew that I could easily get more credit through that bank. If anywhere on the terms and conditions listed JP Morgan Chase, I would never have consented to them making a hard inquiry on my credit because I already know that JP Morgan Chase has a high probability to deny credit. Futhermore, I did not have any hard inquiries on my credit report when I gave permission for XXXX XXXX ( so I thought ) to run my credit.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (TX)

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

XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX : # 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Four flights were made pre COVID 3 have been credited and one remaining XXXX {$32.00} flight made same day XX/XX/XXXX as XXXX XXXX XXXX {$33.00} ) still has NOT been credited. 

We are at the home stretch to get back to normal for all charges and credits for SERVICE NOT RENDERED on my account I want to give gratitude to CFPB to help me with Capital One 's attention to this matter after 8 months of communications Thus, I hope I can after 8 months (! ) to get final credit of XXXX {$32.00} plus remaining credit of interest charged {$5.00}. 

Here is breakdown of my analysis : Interest charged : Interest Credits given : XX/XX/XXXX {$8.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$40.00} + XXXX XX/XX/XXXX XXXX Total XXXX XXXX Chargeback and credit remaining : {$510.00} + XXXX due to resolve this matter I have autopay set {$310.00} less XXXX pending resolution of final chargeback plus interest I hope we can close this matter with CFPB help
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Paypal said that there would be a XXXX hour hold while they reviewed my transaction for security purposes on XX/XX/2022. The confirmation email said the money would be available for my recipient " on or before XX/XX/2022. '' Today is XX/XX/XXXX. The money is still not available for my recipient. Paypal debited my account- {$2000.00} on XX/XX/2022. I can not get in touch with a live person at Paypal
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. These have been rough times during this pandemic and ive been trying to keep up with my personal matters
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (VA)

I received a notification that I had a collections account on my XXXX  credit report from Enhanced Recovery Co L for {$970.00}. The original creditor was apparently XXXX XXXX XXXX. I have not had a XXXX account in years ( and did not have a balance when I stopped using them ).
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have requested on at least a dozen occasions via XXXX mail that my name, address, and work information is updated and corrected. I also requested more than a dozen times to have all the other unknown addresses, names, employers removed. A copy of my valid drivers license, a utility bill, and a check stub was sent in to all XXXX credit reporting agencies. My employer information was updated, as well as my address, however the unknown names as well as the incorrect information was never removed. I have multiple credit monitoring services so when changes happen, I am alerted. There are multiple incorrect spellings of my name, and unknown addresses as well as employers on my credit profiles. I have sent in verifiable information and a letter of request to have all other information removed, it has not been..
Consumer complaint received 2022-12-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Kashia Services (WY)

Applied and was approved for a loan in XXXX of 2022 for {$1000.00} of which I could withdraw funds as needed. However almost immediately they said they were having an issue with their website and I couldnt access funds. This continued for some time. At one point I could not make a payment and contacted them immediately and was allowed to miss it but would make it up at the end of the loan. They then took it from my account without my consent or knowledge causing me to overdraft right before XXXX. Still could not access my supposedly available funds and was no longer receiving communication from them. Then they just cut off my account access completely today.
Consumer complaint received 2020-11-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Offending company : ACE XXXX XXXX XXXX, also known as ACS. The latest correspondence is dated : XX/XX/2020 @ XXXX. I've repeatedly asked ACE ( 10 plus times ) not to contact me further with regard to this matter. They've not honored my request and violate Debt Collection law by continuing to contact me. Addionally, you will see in the email correspondence attached to this email, where they threatened me in several ways, which I'll list as follows : Threatened to sue me if I didn't pay {$3400.00} and court restitution in the amount of {$980.00}. Additionally, here are the charges they'll file against me at the local County Courthouse : 1. Violation of Federal Banking Regulation 2. Collateral Check Fraud 3. Theft by deception Also, they've threatened to contact my payroll administrator ( which I don't have ) to tell them what I've done in the past. In their threats they give me only 48 hours to pay, otherwise, legal action will commence.
Consumer complaint received 2020-11-05
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. (CA)

I went to apply for a mortgage to buy a house for me and my daughter and was denied because of negative accounts on my credit profile. After reviewing my credit report I found that someone has been using my name to obtain credit. None of the accounts listed in my identity theft report belong to me. This is extremely frustrating as I am trying to buy my first home.
Consumer complaint received 2020-11-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX  XXXX This account is reporting inconsistent information between the two bureaus if this information is verified as accurate how is the high limit of {$610.00} and {$0.00}? The open date is even different PLEASE DELETE XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ) XXXX As a consumer, I know that you can not report an account as an open charge off and list the account type as unknown! How was this verified but listed as UNKNOWN? Wouldnt you have known what type of account it was if it was so-called verified? REMOVE IMMEDIATELY
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MN)

On XX/XX/XXXX I called US Bank to dispute charges on a non stolen debit card from the dates of XX/XX/XXXX - XX/XX/XXXX the total amount stolen was XXXX through a XXXX XXXX account. The bank gave me provisional credits which it later revoked totalling XXXX. Not only is the amount revoked higher than the original complaint but they also refused to give me my money back which was clearly frauded and verified through XXXX XXXX
Consumer complaint received 2020-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2020-11-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

The credit bureaus have yet to provide results to the disputes I have sent multiple times. I have done my research and they are still supposed to be providing results even though there is a pandemic. We are all going through it and I need some erroneous items removed from my report as they are not mine. I have yet to receive any mail or correspondence from them and I know the credit bureaus are required to respond to me.
Consumer complaint received 2021-07-15
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: Experian Information Solutions Inc. (NC)

My Problem Is With Experian, which is one of three credit reporting agencies. Recently I noticed several different accounts that was opened without my knowledge or consent. These accounts are definitely a result of Identity Theft. I contacted Experian by filing several disputes concerning the accounts in question. They literally answered back the next day stating the companies verified that these accounts are legitimate. I can assure you that, for certain, I didnt open these accounts. I have spent almost 8 months in the hospital, off and on, in XXXX, as well as XXXX. I have XXXX XXXX XXXX in which both my XXXX are covered with XXXX Very often those XXXX XXXX or bleed which is extremely painful. In fact, so painful that when pain meds cant touch the pain without killing me first, I am put under an XXXX XXXX so that I want have to suffer. All the accounts in question WAS NOT opened by me. I also happen to know that several data breachs involved my information. I mean this is quite obvious that my information was stolen, and whomever is responsible for this, is the culprit. And Im sure that they obtained my information from one or either several of the data breaches. I should not have to suffer and pay for something that I didnt do. This whole ordeal has aspirated my XXXX. Im a XXXX XXXX that served in the XXXX XXXX XXXX in XXXX. I have XXXX XXXX XXXX that is so bad, I dont wan na sleep at night. I should never ever be XXXX and for good reason. Its mandatory that I have a visit with my doctor as well as my therapist at the VA. I want every single account in question, that I did not do, removed from my credit profile. This is horrible to deal with, especially in my condition. And I still have the other two credit reporting agencies to deal with concerning this same thing. Please remove those accounts from my credit profile. I should not be XXXX
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I recently checked my credit report and noticed that Wakefield & Associates have placed SEVERAL collections on my credit profiles in the amounts of {$1100.00}, {$1100.00}, {$1600.00}, {$1100.00}, {$660.00}, and {$1300.00}. They claim that I owe these amounts to XXXX XXXX XXXX. I have never been to that medical facility in my life as I've not been to a doctor in a few years. I don't owe anything and this debt is not mine.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (ID)

I took out a $ XXXX limit store credit with Wayfair.com in XXXX of XXXX, and ordered furniture I would need to furnish my studio. The total came to {$1000.00}. I paid {$500.00} immediately and had planned to make the following {$500.00} payment after in XXXX. I thought the bill looked suspicious, as it never even gave me my full account number. I never received a credit card either. I requested online billing, and my request wasn't honored because I didn't have a card number or a full account number. The paper bills never gave an account number to set up online billing, just the last 4 of my SSN. In almost 2 years now, I have only received 2 paper bills from Wayfair the most recent being on XX/XX/XXXX. 

I had an XXXX  XXXX in XX/XX/XXXX that lead to a XXXX. ( less than 30 days after I took out the store credit. ) I contacted Wayfair as soon as I could to let them know that my payments had been delayed by my 40 day stay in the XXXX  and ongoing XXXX care. Later I contacted them again to let them know that I have been placed on total XXXX XXXX due to my XXXX and ongoing care needs. Well, I received no paper bills or other communications about my balance and figured they'd given me a grace period. Now I have a collections bill for around {$1500.00} on a $ XXXX credit card as if I hadn't paid anything, and they are citing interest and late fees? Almost $ XXXX in interest and late fees is outrageous, and I believe it could be usury. I'd like a full investigation please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX act # XXXX
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

We receive foreclosure documents from SPS and their attorney XXXX XXXX XXXX again on XX/XX/2021. This happened 16 months ago. We sent them a letter and documentation stating that they did not have the rights to the property could not to foreclosure on it. We also stated that the loan was satisfied. Now again they have a sell-for date for XX/XX/2021. This came completely out of the blue and with no communication ( other than that letter ) for 16 months. We believe this foreclosure is illegal for two reasons. 
This long loan was satisfied years ago. We continue to pay on the loan even after it was satisfying because we were not informed that it was. Would like to know where those payments went. 
We also believe that they don't have the legal right to foreclose the loan because of improper paperwork. They discount these facts as a red herring or us trying to just cause problems with the loan but we believe rule of law is important and proper documentation is crucial and these matters. We believe that because they are not the proper servicing agent is the reason it has been so hard to get verification and documentation. When we do receive documentation sometimes it's different from what they sent the time before and sometimes it's different from what was recorded with the county. 
We feel that there have been strange things going with This file. Every time we ask for clarification we have been sent to or contacted by departments that the regular departments could not identify. To use an old adage we feel we are being railroaded mainly by XXXX as the server of the loan. 
We are afraid of losing our home and all the equity in it. We believe that the loan was satisfied essentially twice. 
We demand that this foreclosure be stoped and this loan reconveyed now. 

XXXX and XXXX XXXX.