davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (PA)

Hi I am XXXX XXXX and I can be reached at XXXX XXXX XXXX and email : XXXX I have received a fraudulent bill from a company PayPal Credit whereas I don't have any PayPal credit card. I have received couple of payment notices in the amount of {$2400.00}. I have not paid as I do not have any PayPal credit card nor I have purchased any stuff in that amount. Even in the notice, there is no description of where this money was spent or any transaction detail. This seems fraudulent as I don't know any information about it. I tried reaching out to the number provided in the notice but they asked me about my social security number. I didn't provide my social security number to them. 
My intention of this complaint is to notify you that I have received this notice and it's fraudulent. 
Note : I have attached the notice with this complain.
Consumer complaint received 2020-11-25
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. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. THIS IS THE 4th TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. The following phone numbers are not PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone else mine : ( 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. I have an unverified account from the following companies : XX/XX/XXXXXXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX XX/XX/XXXX# XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XX/XX/XXXX# XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.
Consumer complaint received 2022-09-20
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. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-07-07
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. (VA)

XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX I've had XXXX XXXX  XXXX for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.
Consumer complaint received 2020-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: PNC Bank N.A. (PA)

I have a subscription to the app called XXXX, an investing app, and I can't withdraw my money from it because XXXX uses XXXX, and XXXX  doesn't work with my bank, PNC Bank. PNC Bank needs to authorize XXXX  to handle transactions.
Consumer complaint received 2020-11-25
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. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. THIS IS THE 4th TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX. The following phone numbers are not PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone else mine : ( 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. I have an unverified account from the following companies : XX/XX/XXXXXXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX XX/XX/XXXX# XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XX/XX/XXXX# XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.
Consumer complaint received 2022-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (CO)

I received a loan on my car I paid months in advance. Ive asked for extended temporary tags, as the car is still sitting because I never received my license plate or anything to register the car. I had the vehicle for 5 months never received anything for my vehicle to be registered. I gave the dealership and the bank my updated insurance and drivers license. A few days later I received XXXX letters from the back saying I have late payments on the vehicle all dates the same date and received on the same day with a rubber band around all the letters. I never received the money that was sent back to the dealership nor did I receive my car title.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Good Afternoon BestBuy/Cbna Representatives, I was actually shocked today when I signed up for a credit monitoring site and noticed that there were some late payments on my credit report. What actually hurt me more, is that I have an exceptional payment history with this company since XX/XX/XXXX with no late payment and now you guys marked me late in XX/XX/XXXX for 30 days late. If you check my overall creditworthiness, you will see that I pay all my bills on time with absolute NO late payments. I really love the relationship I had so far with you guys, and I'm certain that this was a mistake. 

I work in XXXX Industry ( XXXX  XXXX XXXX ), and even though i haven't worked since late XXXX i still pay my bill before i actually buy food due to the relationship i have with my credit card companies and the obligations I have. Honestly, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

Sorry for my grammatical errors as English is not my strongest language. I speak XXXX XXXX and XXXX. But Thank you in advance.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a capital one credit card. I paid my card off. I had rewards points left on the card so i made a purchase for the the reward points and I paid the difference. I never received a bill. So in XXXX I went on capital one website to check my credit score and I notice a balance. So I called and I was told a purchase was made and when they didnt receive a payment they just keep add late fees. So i said you add 4 months of late fees and know one didnt think they need to contact me. I ask why I never received a bill or call about the bill. I was told by customer service that my account was switch from bill in the mail to email. I told her I never did that. So I said why didnt i get a call about the bill because they was short because of virus. I told her I dont have anything to do with that. Then I was told its a curious thing, that they dont have to do it. I told them I made they purchase but why i didnt received a bill in the mail. They keep saying because my bill goes to email. I told them I never received a bill and I didnt switch it to email. Then I was told that sometimes with a XXXX email address it will go in your spam fold automatic. I told them it should not be going to email at all. I told them i should have received a bill in the mail or a call after you know I always paid my bill. Well after I agure for 2 months, I received a letter in the mail. About the payments but by then I had already paid the bill and late fees. So if it could be sent in the mail on XX/XX/2020 then why it could have been sent the first month payment wasnt received. Now this is on my credit record that is causing problems for me. I have always paid my bill
Consumer complaint received 2023-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (VT)

Someone has used my name and SSN to purchase a product or service from a company called XXXX XXXX XXXX XXXX for a sum of {$1100.00} back on XX/XX/XXXX. This debt was turned over to a collection agency, Transworld System, which in turned flagged a notification with my monitoring service. I have contacted both and was told that I must file a report with my local police and file this report with you as well. XXXX XXXX was not able to release to me what method the imposter was trying to charge the debt ( XXXX, XXXX XXXX or such ). I am concerned that there are going to be more debt notifications to come from these people. The charge was placed to a residential address in XXXX Texas. I have never lived in Texas and have been at my current residence since XXXX.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/XXXX we submitted a dispute to USAA for a charge that was made on XX/XX/XXXX in the amount of {$1300.00} to XXXX XXXX XXXX XXXX for services and the creation of an E-commerce  website. On XX/XX/XXXX we were sent a letter by USAA requesting additional information to better investigate the dispute. We sent the email correspondence between XXXX XXXX XXXX XXXX and us. We also sent dates and screenshots of the proposed E-commerce website that was not finished and the evidence of missing information, lack of prices for dresses and lack of contact information on the website. USAA presented us with a temporary credit for the amount we had paid to XXXX XXXX XXXX XXXX while the investigation was pending. On XX/XX/XXXX we were sent a notice stating that after thorough investigation of the documents sent to them by us and XXXX XXXX XXXX XXXX, they saw no errors and were going to reverse the temporary credit of {$1300.00} putting my family in a deficit for paying our mortgage and living expenses. We were livid to see that while the dispute was being investigated, XXXX XXXX XXXX XXXX had added material to the E-commerce site to make it look like the website was completed and fully functional. The reality is that when we went on the E-commerce site thinking that it ad indeed been fixed, we could not purchase dresses the contact information was still wrong and when we investigated the drop down links on the home page the text was in " gibberish '' text. There were no links to process orders, there were no shipping information options, and there was no method of verification that an order was even placed. The dresses displayed had no prices or information if they were even in stock and when we tried adding a dress to the cart it indicated the total for the dress was {$0.00}. The website and services we paid XXXX XXXX XXXX XXXX were not completed and we do not see how the USAA dispute department could have stated that there were no errors on the E-commerce website. We believe the dispute department did not fully access the E-commerce site and thoroughly investigate the functionality of the website.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have 2 claims opened today for unauthorized transactions. One in the amount of XXXX $ and another in the amount of XXXX XXXX I called to submit a claim to Bank of American and its currently being reviewed. All of these transactions made on my account are from a XXXX source. I need the company to take immediate action to rectify my account.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (AR)

Defendant : XXXX XXXX item no.XXXX item description XXXX Ordered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR XXXX Order Date XXXX Tel. XXXX XXXX XXXX Company charged our American Express credit card ending in XXXX {$61.00} The jeans ordered and received have an XXXX XXXX price tag of {$49.00} and the catalog received from XXXX XXXX XXXX shows the same price of {$49.00} on page XXXX of the catalog. Further it states on cover of the XXXX XXXX XXXX Catalog " 20 % OFF YOUR ORDER '' NO MINIMUM PURCHASE REQUIRED. XXXX XXXX charged our credit card {$61.00}, while the price tag and catalog show a cost of {$49.00} less 20 % off or {$9.00} based on the 20 % discount advertised on cover of XXXX XXXX Catalog received at the above address in XX/XX/2020. We attempted to contact XXXX XXXX via email and inquired why they did not honor the 20 % discount advertised on cover of XXXX XXXX Catalog and over-charged the XXXX family. Discounted price {$39.00} and XXXX XXXX charged our credit card {$61.00}. We asked for refund but no response. We demand a refund of {$21.00} and jail time for XXXX XXXX XXXX. Signed, XXXX XXXX XXXX XXXX address above )
Consumer complaint received 2020-11-25
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. (MN)

I contacted this company by phone and email on XX/XX/20 around XXXX. They are reporting inaccurate information which is reporting inaccurately on the credit bureaus as well.
Consumer complaint received 2022-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom it may concern, 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. 

CAPITAL ONE AUTO FINAN XXXX XXXX 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 DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXX  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.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I spoke with Citi bank via phone call on XX/XX/2022. I informed the representative I had fraud occur on my account and I wanted to report it. I reported the fraud and was informed my investigation would be started. XX/XX/2022 I receive an email saying Citi was closing my credit card account. I called Citi and spoke with XXXX in the XXXX XXXX department at XXXX XXXX. I informed XXXX I was a victim of fraud and she refused to help. XXXX was unnecessarily snark and condescending. I felt helpless and shamed for being a victim.