davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC (NY)

On XX/XX/2021 my bank paid out a huge sum of {$12000.00}. to a scammer without calling me to verify if this check was indeed made out by me. The check was originally cashed/deposited into the scammers bank ( XXXX  XXXX XXXX XXXX then XXXX collected funds from my bank ( NewYorkCommunityBank ) without issue! Ive banked with NYCB for 30 years. My history shows that I do not write checks for this amount. Certainly this was an unusual check. Certainly, the check was tampered looking, made out to some random woman for " school books '' and the date inserted was oddly written in and my " signature '' was TRACED and done poorly as the scammer kept tracing over the name several times! Many red flags which my bank never questioned. Other banks ( XXXX, XXXX and others ) which I and my family deal with will CALL us to VERIFY such questionable checks but my bank did not! During this time I was ill with XXXX and on strong medication, sick and unable to address my bank statement within those months. My bank now claims " no liability '' to me as they claim that I was " late '' in reporting such issue. I DID actually report this issue to my bank within 28 days of my statement as I hadnt begun restorative health until then! I state to NYCB that " Illness is NOT negligence ''. XXXX  is serious and XXXX. I reported the issue to my bank within the month that my statement came and I am a XXXX XXXX XXXX XXXX XXXX XXXX Bank defers their own egregious negligence to spotlight my inability to do " business as usual '' due to my disabling bout of XXXX. NYCB also irresponsibly " passes the buck '' and refers to XXXX  XXXX XXXX for my restoration, as if NYCB has no liability in this case, which is completely false. NYCB has stolen my retirement money as I am without a husband or children. I am a victim twice. Once from the scammer and now from my own bank. I request every penny be restored to my checking account in full. This issue is causing me great stress, no sleep or eating, XXXX and further deteriorating my health.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (CT)

On XXXX I sent Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded on XX/XX/2022 with a letter stating they verified the item through XXXX XXXX. I wrote to XXXX XXXX on XXXX XXXX to dispute this item in question and XXXX XXXX could not verify this item so they deleted it and removed it from their database. 

I wrote Equifax another letter on XXXX XXXX and provided them with the deleted Bankruptcy from the XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needed to be deleted according to the FCRA. On XXXX XXXX they replied back and have once again refused to delete this item which is effecting my ability to get favorable interest rates on auto loans and credit cards causing me to pay thousands more in interest every year. 

This item needs to be deleted and removed from my credit report if it can not be verified within thirty days.
Consumer complaint received 2022-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (TX)

Had XXXX, 2 total XXXX XXXX  and XXXX. Lease was up on my apartment and had to move. Put trash at the XXXX trash section apartment manager said i was getting my security deposit back. Apartment manager kept my deposit and charged for putting the trash at the XXXX trash dumpster. I have pics, emails, documentation. Dropped my beacon score XXXX points. Contacted XXXX XXXX, XXXX and the collections agency to no avail. The apartment complex is known for doing this. Professional debt mediators and XXXX XXXX apartments in XXXX and XXXX XXXX Florida respectively.
Consumer complaint received 2022-07-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

The money owed or is being collected is from a stolen vehicle that was recovered, then sold at auction by insurance company. Also the remaining balance should of been covered by GAP insurance or primary insurance or both. It wasnt my fault for the vehicle to be stolen and had proper insurance coverage for such incidents if needed. I am not responsible for this {$6800.00}. Please contact GAP insurance through XXXX XXXXThank you
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have sent a few letters, asking PORTFOLIO RECOVERY ASSOCIATES, LLC is send me original documents with my signature, as a proof to this claim i am unaware of. After the second letter i received a response saying. They have completed their investigation, and have established validity. I have yet to see documentation with My signature. I called the original creditor, XXXX XXXX and made them aware i knew nothing of the debts. XXXX XXXX response was that they had no original Documentation with my signature on it.Upset that they have not worked with me to resolve this matter.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Around XXXX or XXXX of 2021 I disputed a chapterXXXX bankruptcy reporting on my Experian credit report the dispute came back as validated from a third party source I tried explaining to experian that the chapter XXXX bankruptcy was not mine Experian told me I needed to submit proof that the bankruptcy was not mine I contacted the court house attached to the bankruptcy to ask for proof I was told that they do not release information to the public I called experian back and they stated I could not submit another dispute because I had already submitted a dispute disputing the bankruptcy reporting on my credit I would like the bankruptcy that is reporting on my credit removed and or validated from the direct source not a third party source by experian inaccurately reporting this chapter XXXX bankruptcy inaccurately it is damaging my reputation and character
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Hello, Capital One XXXX has a price recommendation tool as a credit card perk. 

They explicitly, and loudly, tell you to WAIT FOR A BETTER PRICE or BUY NOW when purchasing flights. 

My flight was {$180.00}, and they told me it is expected to drop to {$110.00}. Instead, it increased all the way to {$480.00}. 

I called and asked them why their prediction was so far off. They said, This information recommended by the airline. 

That seems like a major conflict of interest. It is in the airlines best interest to get you to buy when prices are high. 

Furthermore, they offer a price guarantee that if they are off on their recommendation, they will refund you. However, this instills false confidence, as the fine print details that the guarantee only works up to a {$5.00} refund cap. 

Please help!
Consumer complaint received 2022-03-20
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hello, My complaint revolves around the Menard 's BIG card, which is managed through Capital One. On XX/XX/22 I contacted Capital One to find out why my 6 month same as cash had not be XXXX  out. I calculated the the total divided by 6 and paid accordingly. However, when I contacted XXXX at Capital One, she said that it doesn't work that way. The money that I pay gets split up, by their determination, amongst my different balances. So I asked the question, " So if I want to allocate my payments in order for the promotional balance expiring first, how do I do that? '' Her response was, '' That's not possible. I agree with you that it's not right, but that is the way they set it up. '' I let her know that in this situation, there really isn't a 6 months same as cash if you have multiple promotions on one card because the customer really doesn't know where their cash is being applied to which promotional balance. In the end I paid the entire card off and closed my account. Kind os a XXXX  move on the credit card companies part.
Consumer complaint received 2021-02-11
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: Experian Information Solutions Inc. (AZ)

On XX/XX/2021, I received a text message from Experian informing me my credit score had changed. I thought fantastic maybe it went up because I have excellent credit. My score was XXXX at the time, and I look almost every day. But when I looked it had dropped to XXXX.My heart raced as I called XXXX XXXX to see what had happened. I keep a XXXX  balance on all my credit cards,20 cards XXXX balance. When I got in touch with XXXX XXXX they said I owed {$19.00}, I said for what and they said it was an annual charge. I said why wasn't I called or notified by mail, or email. She said lots of things don't work the same as they use to, due to the covid. I said I should have been notified. Look at my credit and you will see that I never miss a payment. I was not properly notified by my bank XXXX XXXX nor XXXX XXXX. There has never been a time that I did not have {$19.00}. I pride myself on having a XXXX  balance. I knew I had no debt or thought I had no debt. XXXX XXXX reversed all charges, late fees. XXXX XXXX apologised for not tying my checking to overdraft. Please help me I feel so taken advantage of by people you can't even talk to. I really have done nothing to deserve this. XXXX XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX account # routing XXXX checking account # XXXX. You can look and see all my accounts I had plenty of money in the bank $ XXXX {$15000.00} total in several account 's. Also I feel that the covid 19 has factored in on the way things are handled at banks and financial institutions. People are working from home. Lots of people are new to these jobs and things are getting passed over. It's not fair to ruin ones credit for {$19.00} and especially when they were not properly notified. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX phone XXXX XXXX XXXX Email XXXX XXXX
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

Credit Bureau made aware I was a victim of identity theft of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with account numbers and I have never done business with CCS collection company. 

Desired Resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Consumer complaint received 2021-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc. (CA)

Dear Sir or Madam : I have been the victim of identity fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. This letter is being sent to you in response to your attached letter. This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Acct ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. 

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 ad prevent me from enjoying all the benefits of good credit. Im 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 and federal agencies. 
I addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account Any judgments been obtained by any creditor regarding this account Sincerely, XXXX XXXX
Consumer complaint received 2021-12-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report on XXXX and I have yet to receive a response. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. It's been 90 days today I feel like I'm being taken advantage of and my consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 2. XXXX/DEPT OF ED 3. XXXXDEPT OF ED 4. XXXXDEPT OF ED 5. XXXXDEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury
Consumer complaint received 2021-10-17
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 ()

Hey there I am XXXX XXXX my PayPal hold for 180 day i don't use it's automatically going no longer more for 180 days i need my PayPal account back. I provide XXXX services my all customers happy with my services i don't receive any payment report and anymore but my account was closed for 180 days on XXXX XXXX My PayPal email XXXX ( XXXX ) please check now and restored my account
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (TX)

XXXX XXXX had XXXX services with an account number XXXX when they updated their system it generated into my name and gave a new account number XXXX. I was placed into a XXXX facility in XX/XX/XXXX and have not been in the house since that day. My spouse expired in XX/XX/XXXX. They have sent this to a collection agency which is showing on my credit report as a collection. I have sent in all required documents as requested weeks ago called today for an update and they are still demanding payment. These bills are for XXXX, XXXX, XXXX and for my XXXX XXXX. They refuse to remove collection or to correct this account as it is not mine but being reported on my credit report. I filed a complaint on here with ID # XXXX it was not approved to be sent.
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (AZ)

As part of a home loan refinance closing in early XXXX, the closing agency sent a payment amount of {$140000.00} to XXXX as a payoff for student loans. This payment included an overpayment of {$390.00} that was returned to the closing agency in XXXX. On XX/XX/XXXX, I reached out XXXX XXXX XXXX and Fidelity National Financial to clarify the payment amounts and confirm that the overpayment should be sent to me. On XX/XX/XXXX, I was told that this overage amount would be refunded to me " via XXXX tomorrow. '' On XX/XX/XXXX, I contacted XXXX XXXX  and Fidelity National Financial as these funds still hadn't been received and I was told that the funds had been sent and they were trying to locate a tracking number. No tracking information was ever given. On XX/XX/XXXX, I spoke with Fidelity National Financial and was told that the initial check would be cancelled and a new payment would be issued, and I was given a tracking number with an estimated delivery date of XXXX XXXX. On XX/XX/XXXX, the check hadn't arrived, and I contacted Fidelity National Financial to ask how they would like to proceed, but have yet to receive a response. As of XX/XX/XXXX, this still overage check still hasn't been received.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX  showed up on my credit report, I have never heard of them. The report claims I have a balance of {$330.00} with a credit limit of {$300.00}. I never applied for this credit and I certainly never charged {$330.00}. I would be aware. Transfusion claims to have investigated and feel it is accurate and I contacted the company but after they took my information I never heard from them again. This is not mine and it is adversely affecting my credit. I need it removed. I dont even know the account number because I never opened the account.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On Saturday XX/XX/XXXX I made a purchase at the XXXX in XXXX, SC. On Monday XX/XX/XXXX I checked our credit card statement online and discovered there were multiple unauthorized charges from XXXX online. We believe that someone either skimmed our information or someone at XXXX XXXX took the information from our purchase. We contacted our credit card provider and informed them of the fraud. They took all the information and suggested we file police reports. We filed police reports in XXXX, SC which is where we live. We also filed reports in XXXX, SC and XXXX XXXX, SC whoever Id where the merchandise was picked up at The XXXX in those XXXX towns. At first Bank of America removed the charges from our statement however after about 6 weeks they put them back on our statement. They also sent a letter stating our claim of fraud had been denied and we were responsible for the amounts. There are open police investigations in XXXX and XXXX XXXX. The email address used in the fraud with XXXX is not my address. I do not order merchandise online and pick at XXXX.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with my name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (TX)

I opened XXXX checking account on XXXX XX/XX/2021 with a promotion which states : within 45 days, do 5 transactions using your debit card and account will be credited with {$300.00}. 
I have already done 5 transactions using my XXXX debit card on XXXX XX/XX/2021. When i called kabbage - there is a long wait of more than 45 minutes and still no human being available to talk. I tried sending emails and getting response - but no response from them either.
Consumer complaint received 2021-11-26
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. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my accounts have been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my reports : XXXX XXXX Opened XX/XX/XXXX Balance XXXX - ( bankruptcy ) XXXX BANK XXXX Opened XX/XX/XXXX Balance - XXXX - ( bankruptcy )
Consumer complaint received 2019-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I received a bill statement in the amount of {$610.00} that is not my debt. I do not owe any money and have never heard of your company. I take my credit serious and do not appreciate your company placing inaccurate information on my report. A bill statement is not validation and the signature is not my signature. Unless you can provide me a legal document with my signature stating I agreed to this debt I demand you remove this information from my credit report immediately. If I do not receive a letter from your company within 15 days confirming this has been closed in your office and you notified the credit bureau 's to delete this information I will file a complaint with XXXX and all needed to resolve this matter.