davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened the savings account with promo code XXXX on XX/XX/XXXX. 
The promo stated to make a deposit of $ XXXX within XXXX  days of opening, hold the money for XXXX  days and receive bonus within XXXX days after holding. 
I made the deposit on XX/XX/XXXX and held funds until XX/XX/XXXX which is for XXXX  days. However, the institution ( Capital One Bank ) refuses to pay the bonus. They informed me that XXXX  days starts after XXXX  days period. This information was not disclosed to me at the time I opened the account. The promo summary didn't have any footnotes signals indicating that there is a additional period of XXXX  days before XXXX days. The terms and conditions also state XXXX  days in multiple places without any references to the additional XXXX  days. 
This is very misleading and institution was not upfront with the information and tried to hide the fact that there is XXXX  days funding period before XXXX  days.
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld Systems Inc., sent a collection notice of an overpayment from FL. XXXX, ( Unemployment ). # 1, they had wrong address, ( no Apt . # ) so I received this I do n't no how late. # 2, my main complaint, I called the number on the envelope ( XXXX ). I was finally told they did n't have my account number, which was on the letter in their system and call ( XXXX ) after 10 minutes, I was told to call ( XXXX ), after a couple of sales pitches, I was again told it was n't in the system, ( mind you, I am only trying to pay a debt! ), I finally got in touch with an associate, that found it, but ... ...., was told I had to call, you got it, ( XXXX! ). I tried this circle again, and after over an hour got nowhere.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion Credit report # XXXX : The nbr of inquiries on my credit report is wrong. Transunion said I was unable to file a dispute on the nbr of inquiries. I tried online and I tried phone calls. I applied for and received a car loan last XXXX. I talked with XXXX dealer, whom shotgunned out my credit inquiry within a XXXX day period. That should have counted as XXXX inquiry and not XXXX. I currently have XXXX inquiries which is hurting my score and I should only have XXXX. All the other credit reporting agencies have the correct amount. 

I dont understand how Transunion can play by different rules than the other credit unions. Please help. They refuse to help.
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (HI)

I have verified with PayPal that I have NO account with them, yet I continue to receive statements by email from what must be a fraudulent source : Sender is XXXX Here 's your invoice Billing Department sent you an invoice for {$680.00} USD Due on receipt View and Pay Invoice Buy now. Pay over time.

Simply select PayPal Credit at checkout and enjoy No Interest if paid in full in 6 months. Subject to credit approval. See terms. US customers only. 
Seller note to customer, {$680.00}.., XXXX XXXX XXXX XXXX Don't know this seller? 
You can safely ignore this invoice if you're not buying anything from this seller. PayPal won't ask you to call or send texts to phone numbers in an invoice. We don't ask for your credentials or auto-debit money from your account against any invoices. Contact us if you're still not sure.

PayPal Help & Contact | Security | Apps XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact.

Not sure why you received this email? Learn more Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXX : en_US ( en-US ) XXXX : XXXX
Consumer complaint received 2023-02-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Finance Company, Inc. (CO)

On XX/XX/2023 a stranger pulled up to my home and gave me paperwork from PROFESSIONAL FINANCE COMPANY INC. which at first glance seemed to be court documents for a civil action. Upon further investigation I discovered that the documents are actually Fake court documents ( please see footer of fake document with communication from debt collector ) constructed by PROFESSIONAL FINANCE COMPANY in an effort to deceive me into paying an alleged debt from XXXX XXXX  of {$220.00} plus interest of {$39.00}. PROFESSIONAL FINANCE COMPANY INC is in direct violation of several statutes under FDCPA 15 USC 1692 ( c ) namely 805 communication in connection with debt collection. 
806 harassment or abuse. 
and most importantly, 805 FALSE OR MISLEADING REPRESENTATIONS & 812 FURNISHING FALSE OR DECEPTIVE FORMS.
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (NJ)

They are calling ; to collect a debt on a person that does not live here. The last message was XX/XX/2023 XXXXXXXX XXXX by a Robo Call.
Consumer complaint received 2023-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I had a mortgage with Wells Fargo Home Mortgage in about XX/XX/XXXX. Then in XXXX, I requested HAMP Modification. Wells Fargo Home Mortgage incorrectly denied mortgage loan modifications on my mortgage in XXXX even though I clearly qualified. I spent lots of money on legal fees to the XXXX XXXX firm and others firms Additionally, Wells Fargo improperly froze or closed deposit accounts, and improperly charged certain overdraft fees over 20 years. 

Wells Fargo acted negligently in denying loan modifications at a time I was struggling, and failed to uphold its duty under the Home Affordable Housing Program ( HAMP ) to issue modifications to all troubled homeowners. 

Loan applications was being denied when they should have been approved. 

Wells Fargo engaged in a pattern of Fraudulent concealment and intentional infliction of emotional distress
Consumer complaint received 2024-09-04
Product: Credit reporting 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)

XX/XX/year> XXXX by XXXX XXXX. Sent me a physical letter stating a Confirmation of Account XXXX for Account Ending XXXX. I have never had an account with XXXX by XXXX XXXX? 
XX/XX/year> XXXX XXXX  : I received an email from XXXX XXXX that my email address has been changed. When I logged in I noticed that a different email was being used for the account. I contacted XXXX XXXX and they suspended as well as deleted my account permanently as per my request. 
XX/XX/year> XXXX XXXX XXXX  : I received a letter in the mail stating that I applied for a credit card but was denied due to the application " has been determined to be suspicious or potentially fraudulent '' XX/XX/year> XXXX XXXX XXXX  Application Number XXXX Notice of Credit Card Application was not approved. 

IN ALL OF THESE INQUIRIES, I DID NOT APPLY FOR ANY OF THESE CREDIT CARDS OR REQUESTED THESE PROCESSES
Consumer complaint received 2024-09-04
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. (NJ)

I am writing to follow up on my previous dispute regarding the inaccurate and invalid negative items listed on my credit report. These items are causing significant harm to my credit score and must be addressed immediately under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-03
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. (OR)

XXXX  XXXX XXXX reported to the credit bureaus that my account was closed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> which is not accurate. CFPB was privy to new information on XX/XX/year> from XXXX that included statements showing that the credit line was open and had available credit. I have been disputing this with XXXX  XXXX XXXX for months and escalated this to CFPB on XX/XX/year> because now TransUnion has been negligent in their investigation. Trans Union closed the case as satisfied to which XXXX  XXXX XXXX did not provide proof in their response to address the dispute. This inappropriate reporting harmed my credit by over 170 points on all credit bureaus. It also caused my other creditors to reduce my lines of credit and or closures to lines due to the dramatic change on my credit score. Further causing more harm to my wellbeing.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

Upon checking my consumer report. I see that there are numerous names address phone numbers and employers on me that I never lived at, employers, phone numbers that are not mines and names that i do not use. I have tried to work with your company to clear this up but your company is not budging in removing the inaccurate information. Also the number of inquiries that are on me is not valid. I never gave anyone permission to run my credit. I am a victim of identity theft and your company is putting information on me that are false
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FactorTrust, Inc. (CA)

Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b.

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments 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 Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties.

Please note that due to my current physical situation, which is the result of a prolonged XXXX sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. (PA)

: Formal Dispute of Inaccurate Credit Information - Account # XXXX Request for Immediate Deletion** Dear XXXX, Experian, and XXXX, XXXX recently checked my credit report, I am writing to formally dispute the inaccuracies in the reporting of account # XXXX on my credit file. After reviewing the information provided by your bureaus, I have identified significant errors and inconsistencies that are in violation of my rights under the **Fair Credit Reporting Act ( FCRA ) **, **Truth in Lending Act ( TILA ) **, and **Fair Debt Collection Practices Act ( FDCPA ) **. I demand the immediate deletion of this account from my credit reports in accordance of 15 USC 1666 ( b ), for the following reasons : I have attached supporting documentation.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (IL)

I never opened the account. I have asked on several occasions for proof of signature for the account. I had someone living with me that stole my ID and opened accounts I tried to clear this up over the years with company, but they refuse to respond to me and have damaged my credit for years causing higher interest rates for me so a service that I never received. In 5 years, I have NEVER been given the proof of my signature never given details of what services I supposedly got or why I owe this debt. I want it removed. I'm tired of the damage to my credit for a fraudulent account. I feel like i need to get lawyer to sue for damages for the higher interests I have had to pay over last 5 years.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is very upsetting, It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2023-02-22
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. (WV)

I don't know what option to select to start it literally falls under every category I contacted atty Gen what I have to sift through are apps plausible deniablity when you just need what you paid for and the level of fraud harassment and everything you can't even imagine I just want to have a bit of help so someone can guide me and help. I can't remember her name but I spoke with a mediator and she offered to have me write down the accounts how compromised steps taken to correct what I didn't do it's tedious but to be fair no one here knew how that technology could be used to really do damage to someone who was only trying to heal. I'm really so burnt out by what has happened how long it took me to unequivocally track back and just fix it and move on so my mom can rest her mind ill do the work I just need to know how to do it. XXXX. XXXX XXXX XXXX payday loans. Actually getting a card approved trying to improve your credit score purchase a XXXX $ item this person obtained your information by literally knowing your phone number connected that to a XXXX voice blocked me from myself you don't make a XXXX  with a user id/email that a pertinent account is on. This individual did. Very ugly things were done I just want to file these papers answer them honestly have my life and my moms fixed and given back I just need a little guidance. On the end, everything has a logical explanation that can be verified if that be the case because I don't mind going all the way back to XXXX. In the interest of time these are the topics I justly need help with. And move forward. XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

ON XX/XX/XXXX, I transferred money from the US TD account to my XXXX TD account, a standard practice that I have completed before. There was already a transfer template created, so the individual did not ask for an account number and completed the transfer over the phone. 

XXXX days past and I did not receive any money into my XXXX account. I contacted TD and they shared that an extra zero had accidently been added to my XXXX account information and that the transfer has not gone through. I asked them to fix this issue and they said they would contact me with more information. The next day I called to follow-up. They told me that they still did not have the account number correct and that I would have to receive the funds back WITH a loss of funds from XXXX XXXX rate. Another representative told me that I would not lose any funds. Their cross border banking team told me that they are a " new team '' with " growing pains '', some how this makes it okay that their clients need to pay for their mistakes. A week has gone by and I still do not have my money back.
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Late fee — 
Company: Continental Finance Company, LLC (MO)

This is a formal complaint against Continental Finance ( XXXX XXXX ). There was an unauthorized charge on my card. I promptly reported it to my credit card company and they were very sluggish in resolving the issue. They sent out the required paperwork for me to sign to dispute the charge THREE WEEKS after I made the complaint despite the fact that I only had a limited amount of time to dispute the charge. Disgusted with the poor customer service, I withheld payment until the matter was resolved which was my right. After another 30 days had elapsed before they finally resolved the issue but had managed to add late charges of {$65.00} and even after I made the payments, they continue to mount late charges each month despite the fact that I made timely payments. 
The reason that they give is that the entire required payment including the late charges was n't paid in full. I only paid the required minimum monthly payment since the late charges were not valid since I made the required minimum monthly payment in a timely manner. I have tried to resolve this issue with the credit card issuer and their customer service agents are rude, arrogant and uncooperative. 
I am going to paid this credit card in full and close this account. 
But I want this companies ' unethical and predatory behavior on the record.
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (CA)

Debt being reported is from XXXX alleging that their equipment was not returned. I spoke with representatives at XXXX and they are not showing any debt owing by me on their records. I have disputed this with many different collection agencies and when I do they sell my account to another agency.
Consumer complaint received 2015-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

I was working with a company called XXXX for about a year itended up costing me XXXX dollars and it did not get it all taken care of. 
My husband and I owed XXXX to the IRS it was paid back and showed upon my credit report that it was n't so I asked for help and it came off ofXXXX, XXXX, but not off of Equifax so now I hope you can help meme.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX CARDS on my credit report. The late payments in question were marked on the following account ( s ) on the respective date ( XXXX ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX CARDS provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to XXXX, and TransUnion. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX