davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XX/XX/2021 IRS has send my stimulus payment as a direct deposit to my account ending in XXXX, the account which has been closed long time ago. Today I called Capital One and this manager said to call on weekdays because apparently she can't get access to my closed account transactions on weekends. 

As you would already know from all my previous complaints I don't trust Capital One and I don't trust your phone operators at all. 

So I called again and this time a representative named XXXX - ID : XXXX picked up the call. She said " the bank has received the money and the money was supposed to be returned back to the IRS because the account is already closed but the money hasn't been returned yet and she does not know why it hasn't been returned yet. '' Then upon questioning her, the very next moment she says " Capital One has not received any stimulus payment from IRS so the bank can not return any money that the bank hasn't received in the first place. '' I asked her, " you just now said the money has come through '' and she says " no, no, no, I didn't say that. '' Then she asks me to contact IRS to find out about it and said there is nothing Capital One can do about it. 

As I have said before, I always knew money in my Capital One accounts were never safe. I am glad I have closed all my accounts with Capital One, the best decision I have ever made.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (AZ)

Lane Bryant/Comenity Bank had been contacting people they can that are allegedly associated with me. They have been contacting XXXX XXXX ( I don't really know him well ). His mother contacted me ( who I do know ) because Mr. XXXX XXXX is tired of Comenity Bank harassing him. 

Test copied below : XXXX called again and it's a lane Bryant acct and its thru comenity bank for XXXX XXXX # is XXXX XXXX XXXX The worst part is I live in a state where Comenity Bank can't even tell my spouse if I have an account. " a non- spousal state '' This has to stop!
Consumer complaint received 2022-09-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 
1. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2020-12-04
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: CITIBANK, N.A. (TX)

This complaint is in response to CFPB Case XXXX. 

I submitted a dispute with Citibank this summer. I submitted the dispute under the wrong classification/category. I have tried for MONTHS to change the classification/category of the dispute, but Citibank is failing to acknowledge that. 

I submitted a complaint that Citibank was not acknowledging my request for a change in dispute classification/category. Their response to XXXX was irrelevant, and did not mention my attempts to change to the correct classification/category. 

My repeated attempts to remedy this situation with Citibank has been futile. 

-- -- -- -- -- -- -- -- -- -Here is a hypothetcal scenario to describe what I have been going through : - You decide to go on vacation to the mountains of Colorado . You find an XXXX-XXXX  and rent a house for 2 weeks. 

- Upon arrival, you find the house in great shape - just what you were looking for. The - house is warm and cozy, perfect for the frigid Colorado nights. During the day, you enjoy going out to hike and explore the countryside. 

- You do this for three nights. However, on the fourth night, you arrive at the house to see that the house is closed. The locks have been changed, and you no can longer stay the night. 

- You contact the owner and he says hey has closed the XXXX. He is pulling out of the business, and refuses to give you back your money. 

- You paid for 2 weeks, but only received 3 nights. He refused a refund. What do you do? 

- Well it turns out you paid with your Citibank card! You file a dispute for services not provided and fraud. 

- Unfortunately Citibank sides with the home owner because you misclassified the dispute. They also decide to take 6 months to make that decision, so the dispute window is now closed and youre out of luck. 

- But wait! Theres more. A friend of yours went through the same thing with Citibank, and Citibank gave him back his money! So now you wonder why Citibank has decided not to help you.
Consumer complaint received 2022-08-15
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
( 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX and deposited XXXX into my checking account. That same day I raised my spending limit to call and pay bills from the money in the checking account. I called Penny Mac on XX/XX/XXXX which Penny Mac decided to not process the day I told them to and attempted to Charge on XX/XX/XXXX days later then what I requested. the money was still available but at the time I didn't have a limit increase so that the large payment couldn't process. The branch manager wrote a letter and also attached the policy for spending limits. I tried reaching out to Penny Mac several times they won't help me with this matter. They did admit not charging my card and waiting XXXX days and also that were not willing to work with me on settling this matter
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NJ)

This is what happened : I was checking my credit scores than I see that I have a XXXX bank credit card and I was surprised because I never apply nothing from TD bank and the card was apply on XXXX XXXX and was open on XXXX XXXXThan I when to TD bank to check it and the say my information is there but the dont find a card and saw the agent prove on my XXXX  app she said Im surprised I dont see any credit card but your information is in the system then the ask me to call the credit bureau to block the card its nothing the can do. The following day I call XXXX  the said its like a co-signed thats why I have the report on my name than I told them I dont take any co-signed to nobody and I even not in the country I was on vacation the time credit card was open I ask them to close the card and tell me where the card was mail and the name who using it and the redirect me to TD bank i went to the bank again and the bank redirect me to FTC.
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had major problems from the time I opened an account with Capital One a few months ago ( I think it was XXXX ). I received debit card, but could not make deposit online. I received contradictory messages over and over. I was then told to call the bank, but was told they can not go through the process with me on the phone and I had to personally go to my branch. The branch up the block had closed down so I had to take car service to get to another branch at end of XXXX XXXX. I made the deposit, created a pin and made sure to go through it with the XXXX  XXXX. It was then considered fine. I confirmed I wanted to use the debit card for foreign currency on a trip. I was assured there would be no problem. When I arrived in XXXX I went to the bank on XXXX XXXX. The transaction went through until the time it was time to give me cash. The message said Service not temporarily unavailable at this time. Tried several times at XXXX banks over several days and could not receive cash although there was more than enough in my account. The last bank ATM said card EXPIRED. 

I was also asking other bank ATM customers ( who were American or British ) if they experienced any problem and none of them did. The Hotel clerk tried to call customer service, but just kept getting a recording. I went XXXX weeks without the CASH I needed in another country! When I came home I called Customer Service and there was a recording. I called today, XX/XX/XXXX, and the recording gave options and when I chose an option it said it can not understand. I went through these options XXXX XXXX and just kept getting the same response. My experience with this bank has been the height of frustration for me not to mention the stressful and humiliating position I was in. This banking experience has been a nightmare when it should not have been.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Subject : Request for Purchase Agreement, 1099-C Form, and Original Contract Dear Midland Credit Management , Thank you for your response regarding the accounts associated with my name. I appreciate your acknowledgment of my inquiries and your commitment to consumer rights. 

In order to proceed with my records and understand the transaction better, I kindly request the following : 1. A copy of the purchase agreement related to the sale of the debts referenced in your letter.

2. A 1099-C form for the charged-off account.

3. A copy of the signed original contract associated with these accounts. 

These documents are essential for my records and will help clarify the details of the transfer of ownership from the original creditor to your agency. 

I look forward to your prompt response to these requests. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

In XXXX of XXXX PHH mortgage once again decided to stop accepting my payments. Unfortunately they didnt inform me of this, nor have they returned any of my checks to me. Instead, they have been sending correspondence and most likely my personal checks, addressed to my deceased husband at an address neither of us have ever lived at. My husband has been dead for two years and neither he nor I have ever even lived in the town where PHH has been sending correspondence. My fear is that my late husband has been a victim of identity theft and someone is fraudulently receiving mail in his name. I dont know how PHH obtained this unknown address they have been sending things to, but I didnt give it to them and obviously neither did my late husband. My checks that I use to make my payments clearly have my name and address, and every qualified written request I have sent them has my name and full address at the top of the letter. PHH has been aware of my husbands death since XXXX of XXXX when I sent them his death certificate and they confirmed me as successor in interest. There is absolutely no excuse for them to be sending anything anywhere but to me at the address they know belongs to me. This is intentional. 
For two years PHH has been intentionally refusing to communicate with me, sending correspondence addressed to my late husband and addresses I havent lived at for years, and now to an unknown address. They have been denying my payments, offering me modifications and then denying or ignoring them, sending someone to photograph my house every month, and attempting to foreclose on my home even though I have made every single payment and complied with everything they have asked for. In addition to all this, they are now sending my personal information to an unknown place, and possibly an individual fraudulently using my late husbands information. This obviously puts me at risk of identity theft, not to mention a blatant disregard for my privacy
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-08-24
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I request to review all reports. There are differences between reports issues. I tried 2 or 3 times but they did not review it in accordance to law. Both reports have the account that does not have past and a XXXX balance use. NO info about use, or unknown information. The credit score report in transunion reports " Charged off as bad debt Purchased by another lender '' in XXXX reports " Charged off account ''. Non of them have information about " payment status or past due '' or worst payment status. The reports do not have the same information, XXXX XXXX do not accomplish to verify all before send their determination to my dispute. As a consumer I request to delete the account in accordance to the law.
Consumer complaint received 2022-05-30
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-09-15
Product: Credit reporting 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)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

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

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Resolution : Delete this these accounts unless you want to be held accountable for {$1000.00} per account
Consumer complaint received 2021-01-16
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)

On XX/XX/XXXX, I was notified by Experian that a bankruptcy on my credit report was verified/certified by the company that reported the information to Experian from a dispute I submitted on XX/XX/XXXX asking for verification and accuracy of this bankruptcy. Upon my on investigation, I reached out to Iowa Courts and was informed that they not furnish, verify or report to the CRA 's. I then reached out to XXXX the source that furnishes bankruptcies to the CRA 's and was told that I do not have a bankruptcy in the database nor on my credit file. I also have a freeze on my XXXX file dating back to XX/XX/XXXX. So Experian falsely verified this unverifiable bankruptcy. Also, XXXX and XXXX  do not show a bankruptcy on my credit do to fact that XXXX unable to verify a bankruptcy in there database. See all attached proof.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (OH)

I have previously sent you a request to validate my debt, for the following account numbers, on XX/XX/2021, XX/XX/2021, XX/XX/2021 : 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 you, though I did receive confirmation via mail that you did receive my letter on XX/XX/2021, XX/XX/2021 and XX/XX/2021.
Consumer complaint received 2020-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

After running my credit report through XXXX  I noticed a discrepancy which showed a debt collection account for XXXX XXXX XXXX owing {$1500.00}. I immediately sent a letter to request validation of the debt as I was notifying the debt collection agency that this is not my debt and that I required proof. When they responded 30 days after first letter they provided a photo copy of an invoice billed in my name. To date they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Also the description of the procedure used to determine the accuracy and completeness of the information was hereby requested. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Progressive Management Systems the alleged amount.. I have not yet received a 2nd response, the 30 day time frame in which they must respond ends of XX/XX/2020.