davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Dear XXXX XXXX Managing Vice President I disagree with the results of the Fraud investigation assessment that was sent XX/XX/XXXX. I previously notified you that Im a victim of identity theft and requested that you remove all fraudulent charges from my account and close the account. I am a victim of identity theft, due to your XX/XX/XXXX website Security breach. I am writing to dispute the following fraudulent charges on my account. I first notified Cap One XX/XX/XXXX of suspicious activity to your fraud agents, who stated the System issued a new duplicate card automatically ( card valid till XX/XX/XXXX ). I objected to replacement card being sent, but told it was already sent USPS, no signature needed. I complied to report Fraud on XX/XX/XXXX. Then XX/XX/XXXX I received email ( attached ) that fraudulent activity was declined for {$3400.00} against account, I immediately called Cap One was told a second charge was being was paid on Card # XXXX for {$2000.00} ( XXXX XXXX ) while I was waiting speaking to agent. I did not make these charges and I have. I request that you remove all fraudulent charges and any related fees from my account, send me an updated and accurate statement, and close the account. I also request that you stop reporting this inaccurate information to credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report and your own emails and phone records supporting my position. I spoke to Frauds manager ( Refused to state her name requested ) who claimed to be final decision maker. Please investigate this attached data and send me a written explanation and judgment of your findings. 

Sincerely, XXXX XXXX XXXX Enclosures : Fraud determination FTC Identity Theft Report Email chains from Capital One XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (OR)

I had a Wells Fargo Secured Visa credit card, it was secured with {$300.00} dollars cash, I called to close the account after having it for a few years, and the balance was right at {$300.00} the customer service agent I spoke with stated that he would apply the {$300.00} dollar security to the card and it would be closed. 

About a month later I received a bill that had a fee charge of {$29.00} dollars and some interest charges attached. 

I called the company and was informed that the fee was charged 1 day after I closed the account. I stated that I was not going to pay for a fee after my account was closed. I currently have a {$41.00} dollar bill on an account that should be closed. I have now been escalated to the " Executive office '' for my account to be reviewed, but only after I had called in twice and spent about a half an hour on the phone each time, and then never got a call back. I called again and told them I would be filling a formal complaint. They have applied the {$300.00} to the bill, but I am still receiving the bills for the fees. 

I was told that a claims agent would get back to me within a week. That was over two weeks ago. I called again today and was told the agent was unavailable at that moment, but that they would send a message to call me back. I never received a phone call back. So I called again and was told the agent had left for the day. They left another message for the agent to call me back. This has been going on since start for about two and a half months now.
Consumer complaint received 2019-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2019-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (OH)

I originally owed my utility services a balance for a gas bill. I made payment arrangements with them, and paid the balance in full XX/XX/XXXX. I have no contract with this company, and Im unaware of why theyre reporting on my credit report. I tried contacting them XX/XX/XXXX to resolve this matter with no resolution.
Consumer complaint received 2019-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I received an offer in the mail to open a checking account at Citizens Bank here in XXXX, Delaware. I went to the XXXX XXXX location and a gentleman by the man of XXXX ( last name ) opened the account. I was told that I would receive {$300.00} for switching my direct deposit to this bank. I went in on several occassions and even took my complaint to the Branch Manager where Mr. XXXX works. The Manager called me with some ridiculous response that if will be 90 days etc. I had been patient with this bank and felt I was getting the run around. So after being fed up I went in and terminated the relationship. The bank has been robo calling me that I owe them money! I can't believe that an credible institution which I thought Citizens Bank were would succumb to this level of dishonesty. I'm asking that I be given the {$300.00} promised.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (PA)

Account name : PNC BANK, N.A. Account # : XXXX. Delete PNC FOR REPORTING AN ACCURACIE. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and XXXX did not and are in current violation of my rights! XXXX and XXXX, did not complete the investigation in the allotted time of 30 days, I sent a CFPB COMPLAINT and they still did not delete it in the allotted time this is HARMING me and it is {$1000.00} violation from each company, respectively. In addition to that they are not reporting the same information which is a VIOLATION in itself because everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. 1. ) Date of last active illegal {$1000.00} violation XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX See Red marks on Attached. 2. ) In a separate dispute I demanded they prove proof of payment for the month of XX/XX/XXXX which they are reporting on the XXXX as OK which is inaccurate which is grounds for the entire account to be deleted I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Consumer complaint received 2022-03-31
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. (FL)

I looked up my consumer report and noticed a couple of items on there that should not be on there. I sent several letter to consumer reporting agency over the past year and they refuse to rectify their reporting. They keep saying they verified the items with a third party consumer reporting agency. Last i checked, they are suppose to conduct an investigation that consist of interviewing my neighbors, family, and friends. None of that took place. I also read in the permissible purposes section that ANY consumer reporting agency has to have my written consent in order to furnish my consumer report. I did not give my written consent to ANY consumer reporting agency. Therefore, they are violating my rights as a federally protected consumer. 

The accounts in question are : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2020-08-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX my daughter, who was legally insured and authorized to drive the vehicle, had an accident. XXXX XXXX did not respond to my calls until XX/XX/XXXX when they instructed me to take the car to a shop and said that they would send an adjuster asap. The insurer also provided me a rented vehicle as covered by my policy. Later that day, the car was taken to XXXX XXXX XXXX where the car remained until XX/XX/XXXX when Chase repossesed it. 
In XXXX, the adjuster evaluated the car and said that it would be fixed.allegedly paid {$5600.00} to XXXX XXXX and then sent a second check that bounced. Then, I personally visited the XXXX XXXX  office only to find out they had closed due to bankrupcy. 
From XXXX through XXXX, I was in close communication with XXXX trying to solve this matter. When XXXX closed, I was assigned to XXXX  XXXX XXXX XXXX XXXX and they assigned a new adjuster to my case : Mr. XXXX XXXX ( XXXX ) XXXX Ext XXXX whom did nothing nor he responded my calls, messages etc. 
Nobody paid the sop to fix the car nor for the time the car stayed there. Chase repossesed it on XX/XX/XXXX without notifying me, Chase ancelled my GAP at the dealer insurance without my authorization and I ended with a {$14000.00} car debt, {$170.00} XXXX bill and no car. On XX/XX/XXXX, chase sent a letter saying they will sell the car as I " had broken promises on our agreement '' despite an extension ( see attached letter dated XX/XX/XXXX ) not requiring payments from XX/XX/XXXX trough XX/XX/XXXX. 
Nor Chase nor the Insurance had assumed any responsibility nor provide any suitable solution for my loss.
Consumer complaint received 2021-04-12
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. (MI)

these collection accounts ( XXXX  XXXX -ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, MICHIGAN XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names
Consumer complaint received 2019-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Experian. They offer a Boost service. However, this worked the first time. Since then, it has not verified the accounts I have on Boost. I went on Experian ' s site to try to do this. It was not effective. It gives a pop up to " paste '' the bill yet it does not work. There is no way to provide the documentation. I call and no matter which questions I answer, it never takes me to a person even though I am calling during business hours. Because of this error on their part, my credit has DECREASED!!!! This is a rip off. Bate and Switch??? Is there anybody who can regulate Experian? They are messing with my credit. They hold me XXXX by their system that is clearly now harming me. The credit agencies should be shut down because it is designed to help lenders and harm borrowers and Experian does not even have the decency to be available to assist. How is this legal???
Consumer complaint received 2019-10-10
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

SPS Select Portfolio Servicing of XXXX XXXX XXXX, UT appears to be a debt collection agency, who started a systematic harassment by mail debt collection campaign against wife, XXXX XXXX. 

This harassment following a failed foreclosure attempt over the past 2 years ( XXXX-XXXX ) by XXXX XXXX XXXX and their attorneys ( XXXX ) over a 2nd Mortgage default loan by XXXX, approximately 10 Years ago. 

During XXXX-XXXX time period of XXXX/XXXX ( attempt to foreclose on our residence, XXXX XXXX XXXX, XXXX, VA XXXX, on legal advice & assistance of Mr. XXXX XXXX, Attorney, XXXX XXXX, VA, both myself, XXXX XXXX, and wife, XXXX, entered Chapter XXXX Trustee Protection, twice, that prevented the foreclosure attempt by XXXX/XXXX legal agent.
Consumer complaint received 2022-07-04
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 XX/XX/XXXX XX/XX/XXXXAccount # XXXX, XX/XX/XXXX XX/XX/XXXX Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX,XX/XX/XXXX XXXX Account # XXXX has 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
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-10-11
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: AMERICAN HONDA FINANCE CORP (OH)

End of lease with America Honda Finance in XXXX XXXX, there was a late payment from a drive thru auto-toll in Colorado during summer XXXX, {$15.00} toll turned into {$90.00}, toll was sent directly to American Honda Finance instead of my home address. I don't know if toll was paid, but I was charged a late fee, trying to work out details with AHFC, could not explain what happened, why I was not notified, who paid the State of Colorado, finally gave up trying to get information and decided to pay my end of lease payment plus toll late fee when they threatened to send me to collections, I received the collections notice on XX/XX/XXXX, paid American Honda Finance on  XX/XX/XXXX, they still hit me with a two month charge off
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XX/XX/XXXX XX/XX/XXXXAccount # XXXX,XX/XX/XXXX XX/XX/XXXX Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XX/XX/XXXXXXXX Account # XXXX has 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
Consumer complaint received 2022-07-04
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: Asset Management Outsourcing, Inc. (GA)

I did not authorize my information to be shared 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment Consumer law
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am very concerned regarding the serious possibility that the Three Credit Bureaus did not conduct a reasonable re-investigation concerning my dispute dated XX/XX/2019, to determine if the disputed accounts are reporting accurate information. The bureaus verified XXXX XXXX XXXX, and XXXX XXXX are reporting correctly. 
How can this be ... ... .when reviewing the accounts on my credit reports # XXXX, XXXX XXXXXX XXXX and there are several inaccuracies. 
1. XXXX  XXXX XXXX and XXXX and XXXX accounts are reporting under the Other Accounts section which makes the collections accounts report as a trade line with an account history. 
2. Incorrect account type listed as Open. 
3. Incorrect Account status as Collection Account 4. Indicating closed in parentheses does not make it a closed account ... .there must be a closed date and something reported under the XXXX XXXX. 

According to the Metro 2 guidelines XXXX XXXX XXXX and XXXX XXXX XXXX are Third Party Collection Agencies, whether it be Debt Purchaser, Factoring Companies, Debt Buyer or Attorney these accounts can only report certain information and should be reporting in the collection section of any credit report. 
1. Debt Collectors are only allowed to to report 3 account type codes which are 48, 77, and OC.

2. Also, Debt Collectors can only report the ACCOUNT STATUS codes of 93, 62 and DA
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On the closing documents, they state that they estimate the taxes and insurance ( Enclosed ). as {$1300.00} a month. 
Then they state they didn't pay it. 
And they stated I owe XXXX more and an additional XXXX a month payment. 
From {$5500.00} a month. 
to XXXX a month. 
I have been stupidly paying the XXXX a month, when it clearly states on the GOOD FAITH loan estimate is taxes and insurance is included and my payment is XXXX a month.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

Unauthorized inquires on my credit report I have contacted each company waiting for a delete and remove letter. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  XXXXXXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (MS)

On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the credit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity. 

The credit later closed my XXXX credit card. I paid an annual fee of {$49.00} for the card. This should be refunded since I no longer have use of the card, and the credit union closed the account without consulting me.