davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Case update : XXXX Through PayPal and XXXX. 
XXXX XXXX has repeatedly taken amounts of money from my debit card for unauthorized transactions. I had one authorized transaction and XXXXPayPal has taken 4 unauthorized transactions for XXXX and took another 4 unauthorized transactions for XXXX each. Recently, I had to cancel a credit card and report it for fraud because the bank called and stated that the company had taken XXXX from the account and then tried to take another XXXX from the account ten minutes later. These charges were disputed to PayPal and they concluded their investigation within 3 hours stating that these charges were consistent with my spending. These transactions were not. I use PayPal for a XXXX XXXX XXXX and have now disabled any credit cards attached to the account. I want all funds reimbursed to my PayPal account.
Consumer complaint received 2020-05-30
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: Security Credit Services, LLC (PA)

This purchase took place on XX/XX/XXXX at XXXX XXXX  XXXX. I was told by the clerk, XXXX, that the company was involved with a sleep study funded by a federal grant. I was told that if I agreed to participate in the sleep study I could get my mattress purchase significantly discounted, so I agreed. I was charged {$300.00}, paid with my debit card, and had a queen size mattress, box spring, and frame delivered the same day. I never signed anything stating that I would pay more than the {$300.00} I was charged. 

Months later I began receiving text messages from XXXX. Although I did not know what the company was or why they were contacting me I did not look into it any further. When the calls began I was completely flabbergasted because I never agreed to pay {$1900.00} for that mattress. 

I tried disputing the charge with XXXX  in XX/XX/XXXX. I sent in a copy of my receipt but was told that it was not valid because it was not signed. However, the attached credit terminal receipt states that there is no signature required. I tried to go directly to the merchant but since then XXXX XXXX  XXXX has closed permanently. After closing, the same location was called XXXX XXXX at one point, but is now closed as well. I tried emailing at the address printed on the business card, but the email could not be delivered because the address is not valid. 

The account was being collected by XXXX XXXX and I have tried to dispute the charges several times with all three credit bureaus. I received so-called proof that I owned the debt in the form of an electronic signature with only my initials in lower-case, " XXXX  ''.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The card has a {$500.00} credit limit and is used for my husband to buy gas and groceries. I make payments on it often, sometimes more than once a week. Also, I have two cards with this company and I have never had this issue with my other card. Usually, if I arrange for the payment in the afternoon the money shows up the next morning. However more and more often they are placing a hold on my payments of 7 days. I am not notified of a delay in fact I get a message saying my payment has posted! Luckily I checked the balance before going to the store. I have to call in when I notice it and I get transferred to the fraud department who calls the bank with me to verify the money has cleared. Today I played their little game, I even had to tell them what I intended to buy with the funds on my card ( Food, people need groceries to live )! She called the bank and chose the automated option and asked me to enter my card number. I entered the number and pin like the bank indicated and had the automated system read the last transactions. The XXXX XXXX payment of {$250.00} was listed as cleared on XX/XX/XXXX. At this point, I had been on the phone with them for 45 minutes. I asked the representative if that was all she needed and she said now they needed to talk with a representative at the bank. This is ridiculous. I made a payment, I verified my identity to them, I was able to access the bank and the payment was verified. They kept stalling and I still don't have access to my money.
Consumer complaint received 2020-05-30
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. (GA)

I enrolled in the XXXX and XXXX. Degree at XXXX  XXXX University Online in XXXX thru XXXX. I was promised by the school that I would be promised a job in my field if I chose to enroll in their programs. I completed my degree programs and the school did not provide any job opportunities in my field of study like they promised. Subsequently, I obtained a substantial amount of student loan debt. 

Not many months later XXXX  XXXX University Online and some other schools were defendants in a class action lawsuit filed by students who were promised job opportunities once degree programs were finished. These practices were illegal and all students who went to these schools their student loans were forgiven. 

My degree program was XXXX XXXX with a concentration in XXXX XXXX. 

The Department of Education continues to show I owe student loans and it is affecting my credit score. Apparently they are unaware of the developments of the class action lawsuit of XXXX  XXXX University Online. 

The Borrower 's Defense team is aware of the situation ; however, my credit score is affected dramatically, Borrower 's Defense is looking into the matter as well.
Consumer complaint received 2020-05-30
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2019 CAPITAL ONE MEMBER FEE Fee ... XXXX {$59.00} charged On XX/XX/2019 I was charged a PAST DUE FEE Fee ... XXXX of {$25.00} At the time my I had a XXXX balance and no interest fees for new purchases. 

I contacted Capitol One for late fee removal as the fees applied see for the annual fee and as I had a zero purchases on the care was unaware of the charge. 

Capitol one did not provide a reminder of the annual fee I contacted capitol one, over the phone they agreed to waive the fees and credit my account they did not credit my account and remove the late payment fee As a result my credit score had been negatively affected
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

Received a " convenience check from HSBC BANK. Wrote the check to myself for {$2300.00} and deposited it in my credit union account at XXXX XXXX XXXX XXXX XXXX WA. state ) on XX/XX/2020. Money appeared in my account. On or about XX/XX/2020 received a letter from XXXX stating that the check was dishonored due to account ( HSBC Account which the check was drawn on ) being " Frozen/blocked ''. Money was taken out of my account in XXXX, the {$2300.00}. 

HSBC still says I owe them the {$2300.00} although that money was taken of of my account as the check was dishonored. I have called HSBC on four occasions with no real help in resolving the matter. I have written several letters to HSBC which were sent certified return receipt and have received no response. I keep paying the minimum payment in order to avoid HSBC reporting to credit agencies that I was not paying and thus having an adverse effect on my credit rating. 

I am so frustrated with HSBC. This is unconscionable.
Consumer complaint received 2023-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX  Account Kohls, Capital One, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXX
Consumer complaint received 2020-05-30
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: SYNCHRONY FINANCIAL (FL)

Failed to follow promised procedures On XX/XX/2020, I file a dispute with Synchrony Bank concerning a charge for {$1000.00} to my XXXX MasterCard account ). I provided complete documentation that the charge was for " goods or services that were not received. '' On XX/XX/2020, Synchrony Bank acknowledged receipt of this dispute and promised to " Adjusted your account to reflect the disputed amount. You're not responsible for this amount while our review is underway. No fees or interest will be accrued on the disputed charges during the review process. '' As of today, XX/XX/2020, Synchrony Bank has failed to do this and are attempting to collect the disputed amount as demonstrated by my account statement of XX/XX/2020. Synchrony Bank has refused to answer multiple request from me to explain their failure. They have also made no attempt to request any further documentation about the dispute nor have they provided to me any response that they may have received from the merchant.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

According to 15 USC 1692, I do not owe any debt because I am the consumer and I'm not obligated to pay. I am the consumer, NO ONE CAN VALIDATE MY DEBT BUT ME. Ive disputed over and over that the debt is not mine. Ive asked for documentation! Nothing has been sent. I, now, demand you to remove ALL information pertaining to me. Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. I DID NOT give you permission to report anything on me! Under the law, my federal consumer rights, I am instructing you right now according to 15 USC 1681 b-a-2 to remove all accounts according to my written instructions. Ive contacted you multiple times to dispute items that are not mine as my identity was stolen and you refused to remove. Remove all information in 4 business days according to 15 USC 1681c2! These are the laws! YOU WILL NOT XXXX ME WITH DEBT THAT IS NOT MINE!
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Onity Group Inc. (CA)

I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company PHH Mortgage Services, formerly OCWEN refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. 

I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. 

Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. 

Your assistance would be much appreciated. 

Sincerely, Homeowner on the rebound
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

i had 4 separate credit card accounts from Barclays bank, and on XX/XX/19 they closed all accounts. i have not been able to get a proper explanation from them other than " history of account usage ''. 
furthermore on my arrivals plus card i have XXXX miles and they wont let me redeem it
Consumer complaint received 2022-07-30
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I've been a victim of capital one data breach, I've had over 29 mortgages attempted to be get a loan in my name dozens of inquiries about me searching and applying for credit, two fraught XXXX bank accounts opened At XXXX XXXX bank I got five XXXX debits cards in one week and someone applied for a credit amcard got approved in my name, so because of this data breach, I think people have my information I've contacted tge credit unions and XXXX XXXX XXXXXXXX but how do I make it all stop I wanted to get a buisness loan to start a buisness but can't even get approved because there's so many accounts being searching for loans I get calls from a certain phone number, it's tge same prefix as mine, when I answer it they don't say nothing, so I hang up and block the call, about three minutes later, it's tge same prefix and it's just a different 4 number ending In, and they called 60 times in a house after me blocking each individual call, they will leave me messages humming in to my voicmail, I have student loans that I've never went to collage, and I can't seem to get any help nowhere and can't afford to hire someone to help, so all these data breaches I'm in apparently XXXX capital one and XXXX was the start of all this back in XX/XX/2019, and ever since then my identity and everything else went to XXXX, how are you supposed to survive in this world when 99 out of 100 people are out to get you, I don't know if you cam help but let me know whst you think I shoukd do, thanks and I'm tryingbto start a business and can't even get that so I need to know which dirrevmctiom to go, thanks
Consumer complaint received 2022-07-30
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. (IL)

I've been a victim of XXXX XXXXXXXX data breach, I've had over 29 mortgages attempted to be get a loan in my name dozens of inquiries about me searching and applying for credit, two fraught XXXX bank accounts opened At XXXX XXXX bank I got five XXXX debits cards in one week and someone applied for a credit amcard got approved in my name, so because of this data breach, I think people have my information I've contacted tge credit unions and XXXX XXXX XXXXXXXX but how do I make it all stop I wanted to get a buisness loan to start a buisness but can't even get approved because there's so many accounts being searching for loans I get calls from a certain phone number, it's tge same prefix as mine, when I answer it they don't say nothing, so I hang up and block the call, about three minutes later, it's tge same prefix and it's just a different 4 number ending In, and they called 60 times in a house after me blocking each individual call, they will leave me messages humming in to my voicmail, I have student loans that I've never went to collage, and I can't seem to get any help nowhere and can't afford to hire someone to help, so all these data breaches I'm in apparently XXXX XXXX XXXX and XXXX was the start of all this back in XX/XX/2019, and ever since then my identity and everything else went to XXXX, how are you supposed to survive in this world when 99 out of 100 people are out to get you, I don't know if you cam help but let me know whst you think I shoukd do, thanks and I'm tryingbto start a business and can't even get that so I need to know which dirrevmctiom to go, thanks
Consumer complaint received 2019-03-18
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. (SC)

There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. 

-XXXX XXXX XXXX/XXXX XXXX XXXX : {$3400.00} -XXXX XXXX XXXX/XXXX XXXX XXXX : {$120.00} -XXXX XXXX/XXXX XXXX : {$330.00}
Consumer complaint received 2020-09-08
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: JPMORGAN CHASE & CO. (TX)

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2010 with a balance of {$4500.00}.
Consumer complaint received 2022-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Glasser and Glasser, PLC (MD)

XXXX and XXXX a collection agency has taken all the money from my accounts including a shared account with my older parents that can barely walk and my XXXX has XXXX, they added me to their account so i can buy them grocery and other things. 
we had a court date around XXXX of XXXX, i went to the court but they did not show up, .and i never got any other notice from them, i moved to a new address in XX/XX/XXXX and changed the address at the post office web site and have been getting forwarded mail at the new address but never got anything from XXXX and XXXX XXXX 
On XX/XX/XXXX i saw that all my accounts including the shared account with my parents have XXXX balance and over {$8000.00} have been taken out, my parents are shocked and weak as is and dont know why their money was taken, the stress has caused their health issues more severe. 
If i would have gone to court and had my say this would have never happened but it seems like they lied to the judge and made him think i knew there was a court date and did not show up, but i had no idea and never got any notices, so here i am with my family and old parents in a very bad setuation could someone help please
Consumer complaint received 2022-04-06
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2020-05-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$0.00}, {$440.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account.