davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On two occasions my ability to use Capital One Cabela 's Black Card was stopped for late payment. On the first occasion I received my bill on XX/XX/XXXX ; paid the bill in full on XX/XX/XXXX and mailed it the same day. The bill was due XX/XX/XXXX. My card was blocked access on XX/XX/XXXX. 

The second occasion my bill was due on XX/XX/XXXX. I was blocked from using the card due to late payment. I received the bill on XX/XX/XXXX. 

When I called Capital One I was told that there were problems with the United States Postal Service and there was nothing they could do to activate the account. However, I could make a direct payment from my bank. 

It took lots of convincing to have them remove late fees and interest charges but they did so. 

Capital One has a duty to insure the billing statement arrives by mail within a reasonable time to pay. Lack of their ability to fulfill this duty should not shift the burden upon the consumer. Charging fees and interest amounts to fraud.
Consumer complaint received 2022-07-28
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. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/2022 CAPITAL XXXX XX/XX/2022
Consumer complaint received 2023-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called the customer care in respect of my debit card that I couldn't activate and a reasonable answer could not be giving to me. i want to know why i couldn't activate it and what can be done to get it activated. your quick response will be appreciated.
Consumer complaint received 2022-12-19
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. (NC)

XXXX XXXX XXXX has unlawfully used illegal documents that were a HIPAA violation when they validated these two accounts they also unlawfully disclosed HIPAA violation materials to the consumer financial protection board in a dispute response thus for the second time unlawfully destroying illegal PHI of mind that is unlawful and against federal law and against federal HIPAA laws ; Accounts XXXX and XXXX, XXXX XXXX XXXX willfully and unlawfully disclose my personal PHI which is a HIPAA violation to the consumer financial protection board and a dispute response see attached documents.
Consumer complaint received 2023-07-19
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. (AL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-27
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 2023-01-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Alorica Inc. (CA)

On XX/XX/XXXX, I signed up online with XXXX approving me {$2600.00} ( borrow & grow plan like a savings account ) which at that time XXXX deposited only {$1000.00} into my XXXX XXXX Checking Acct and I agreed to pay {$140.00} each month until the {$1000.00} was paid in full but the remainder of {$1600.00} was never deposited, it was treated as a grow plan savings account until it was paid in full then released when paid in full continuing paying the monthly payments of {$140.00}. Then on XX/XX/XXXX, my XXXX acct # XXXX was transferred to SST to which I have no knowledge of this company. They attempted to take a payment from XXXX XXXX XXXX Acct of {$140.00} on XX/XX/XXXX which caused a double NSF charges of {$36.00} and I had to dispute this charge and later in the days, the payment of {$140.00} was put back into my XXXX XXXX Checking Acct including the double NSF charges of {$36.00}. SST then sent me a message that they will attempt to take another payment of {$140.00} on XX/XX/XXXX and this is when I decided to write SST a Letter Of Cancellation on XX/XX/XXXX. This cancellation was effective XX/XX/XXXX and SST just will not comply to my cancellation letter. I have paid the {$1000.00} in full and the remainder of {$1600.00} which is a grow plan savings acct I am no longer interested in because I am facing a full financial hardship. I had to enroll to a consolidation company for all of my credit cards that I could not afford due to my full financial hardship saving me from filing bankruptcy. I have filed a complaint with the XXXX XXXX XXXX regarding SST and still SST just will not comply to my cancellation letter dated XX/XX/XXXX... XXXX.Please Help!!!
Consumer complaint received 2022-07-17
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. (MI)

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaccurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo refused to work with us. Husband had XXXX XXXX we got behind d on payments. Ended up losing our home after being there 10 years. Forced us to do short sale. On top of all the hassle they put us threw our realtors group bought the house a d using for a rental. We lost a lot of money because of wells fargo.XXXX.. please help.. thank you
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (IL)

XXXX XXXX is a part of XXXX it is a cell phone service that they establish within their company that people could use actively alongside with a cable and Internet service. However unfortunately XXXX does not offer payment arrangements split pay options they only require you to pay the full balance of your monthly service plan and any device payment agreements. I unfortunately got laid off of my job in XX/XX/2019. I immediately contacted XXXX between XXXX and XX/XX/2019. I spoke with supervisors managers customer service representatives who told me the same thing they answered no. They told me that I could switch to their {$15.00} for every 1 GB plan and just monitor my use, be around Wi-Fi consistently or turn off my phone whenever I wasnt on it -- which no one ever is actively thinking to turn their phone off on a consistent basis. I merely told them to cancel my service. They then told me that since I am doing that that they were going to charge me for my last service plan plus my remaining device payment balance and any other taxes surcharges and fees I said OK. The last statement which is reflected through XXXX XXXX shows a balance of only {$1000.00}. I dont know when I first received a letter in the mail from the collection service originally was sent to XXXX XXXX XXXX and they stated that my balance was {$1300.00}. It is now in the hands of GC services Limited partnership with the same balance XXXX. Where are they getting the other {$310.00}?!? If it was because it was sold off to a third-party collector I never received anything in the mail explaining why it accumulated to that amount. I just received hey you owe XXXX you have 30 days to dispute this letter otherwise were going to report it on your credit! Oh here are your options to pay the whole thing!! 

I think it is just beyond ludicrous that I did my due diligence in trying to set up payment arrangements, payment options so as to not get my service canceled and they wouldnt budge they wouldnt allow me to do that they wouldnt allow one exception and because of this I now have this huge debt which I didnt ask for which I tried to avoid like what type of system is this and then to put it on someones credit report?!?
Consumer complaint received 2023-04-27
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. (TX)

In accordance with the Fair Credit Reporting act under 15 U.S.C 1681 Section 602, which protects my right to privacy, these XXXX accounts that appear on my credit report under the following names have violated my rights, which I invoke : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also invoking my right under 15 U.S.C 1681 Section 604 A Section 2, which states that a consumer reporting agency can not furnish an account without my written instruction. I have not provided any such instruction for the listed accounts to be included in my credit report.
Consumer complaint received 2023-08-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strategic Alliances, Inc. (GA)

Over the last six months, First Financial Asset Management ( FFAM ) kept calling me from XXXX on a debt I allegedly owed to XXXX XXXX XXXX, to whom I owe nothing. I told FFAM that they must have mistaken me for another person with the same time. I have written emails, left messages on FFAM 's website multiple times, and the calls continue day and night.
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

Dear CFPB I used a company to manage my property in XXXX XXXX. With my permission I told the owner to open a PayPal account to receive payments from XXXX XXXX. Because she was managing the account, she used our both information to open the account with my permission. Little did we know this will turn into a nightmare for both of us. 

For 4 years Paypal has been holding on to my money, I was not able to get into the account because we could not remember the password. After much looking, we finally were able to get into the account. I went in and tried to send the money to my bank card and it was denied, I tried to send to my bank account it was denied. 

I was able to pay the property manger {$500.00} dollars, except she found out that Paypal took out the money from her account, instead of depositing money to her account. I wrote to pay 27 times to get help, they kept on locking me out and requesting that I upload documents. Last week I uploaded documents and still have not heard from them. Attach you will see the request for documents and you would see the documents were uploaded. I've been working with my property manager to reach someone at Paypal and we can not get help from Paypal. I kept writing to them and they kept giving me all sought of responses making no sense. 

The property manger XXXX XXXX was able to reach out to Paypal attorney on XXXX, who responded with her email address and asked me to write to her, I sent her 10 emails and she never acknowledge one. Sent to this email address she XXXX I am requesting your help in getting my money, I hate this company and I hate what it's done to me. I am a XXXX XXXX in XXXX, If I was a XXXX person Paypal would never have done this. One day on the phone the agent told me that this sounds like fraud. 
I am a very accomplished XXXX in XXXX XXXX. If I was committing fraud, it would not be trying to collect {$7500.00} from Paypal, I would be looking for millions of dollars. What a XXXX thing to tell someone in the climate we are in. Attach is my Id and social security number for proof it's me. 

I will never used Paypal again, And yes I want you to published this and send to the FTC XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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. (IL)

Im a victim of identity theft and because of that theres been car leases/ loans, internet/ cable, a lot of negative inquiries and multiple collection thats accumulated, which none are mine.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (FL)

In the past 90 days I have sent the company a billing error request and payment to be credited to my account. I have reached out to customer service for status and nobody is able to provide me with any information. I sent the billing error request via certified mail and then sent the other via registered mail, to the trustee ( XXXX XXXX XXXX XXXXXXXX ) referencing the companies SEC filings, XXXX and XXXX forms in regards to my coupon. My coupons is a receivable that is not being credited appropriately. I have not received any response from the company Synchrony Financial/Sams Club . They have since listed my information as late and reflect an inaccurate balance on the account on my credit report/file. By law, during billing error disputes the company can not reflect negatively on my report and must submit responses to me in writing within 60 days of resolution. Additionally, along with not response to milling error request and the form of payment sent not being credited to my account nor returned, this constitutes discharge per 15 US code 1666 section e for failure to comply. The company is not honoring their filings through this whole process.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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. (CA)

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I continue to have a problem with Transunion reporting Public records that I DO NOT have and at this point they are now defaming my character, CAUSING MENTAL ANGUISH, STRESS as well as VIOLATING the FCRA compliance and accuracy laws. 

Per the TRANSUNION website it clearly states the following Public Records Important information about public record item ( s ) on TransUnion Credit Reports TransUnion reports public record items from local, state and federal courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports. website Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, as a result of our implementation of enhanced standards for the collection and timely updating of public record data included in consumer credit reports as part of the National Consumer Assistance Plan ( NCAP ) and as part of a lawsuit settlement, TransUnion agreed to stop reporting civil judgments, state tax liens and federal tax liens on credit reports and will not resume reporting these public record items on credit reports until XX/XX/XXXX, at the earliest. TransUnion continues to report bankruptcy public records on credit reports. For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX may be contacted using the information provided below. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //transunionconsumers.lexisnexis.com/ SO why is it that they are telling me they verified these public records through the COURT this is false, misleading information and I have provided proof that it was not verified through the XXXX XXXX  XXXX take this off my report IMMEDIATELY!!!! I also have additional documents from XXXX from another compliant I filed after Transunion repeatedly stated this is verified and I will seek legal litigation if this is not deleted!!!