davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Subject : Urgent Request for Assistance : Stolen Vehicle and Unresolved Identity Theft To the Consumer Financial Protection Bureau, I am writing to bring to your attention a deeply troubling and distressing situation involving identity theft, the unauthorized opening of a credit account, and the theft of my vehicle, a XXXX XXXX XXXX  XXXX, XXXX sedan. The owner of the auto repair shop responsible for the theft of my car is XXXX XXXX, with an address at XXXX XXXX XXXX, XXXX, TX XXXX. 

The sequence of events that led to this situation is complex but rooted in the mishandling of my insurance package by my former employer, Saks Fifth Avenue. Upon being hired, I received my insurance package after 31 days, well after the enrollment window had closed, and they subsequently filed a report to rectify this. In the process, they also contacted the insurance to open a new window to allow for the inclusion of my package. However, during my employment, I applied for a Capital One XXXX XXXX XXXX credit card to obtain my employee discount, only to discover unauthorized activity related to my personal information. This led to the theft of my car from the Saks Fifth Avenue employee parking lot. 

I believe that this situation may involve individuals connected to Saks Fifth Avenue, including the general manager, XXXX XXXX, the HR representative, XXXX XXXX, and a manager, XXXX XXXX. I also noticed that an unauthorized Capital One XXXX XXXX XXXX account had been opened under my name, causing significant damage to my credit. 

Despite reporting this to the police ( report XXXX : XXXX ), I am still awaiting resolution. The complexity and potential involvement of various parties in this situation have made it incredibly challenging to regain control over my identity and retrieve my stolen vehicle. 

I urgently seek your assistance in resolving this matter, ensuring the return of my stolen car, and restoring my financial well-being, which has been severely affected by the unauthorized credit account. Any help you can provide in this regard would be greatly appreciated. 

Thank you for your immediate attention to this serious issue. 



[ XXXX XXXX ] [ XXXX ]
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I submitted a dispute to Equifax XX/XX/2023. I never received any results of the investigation. I also believe that the investigation never happened. It has been well pass 30 days. I submitted a second dispute around XX/XX/2023 and checked my Equifax account to notice a dispute opened on XX/XX/XXXX and closed on XX/XX/XXXX. There is no way they could have sufficiently investigated my dispute within XXXX hours. I was never notified that they received my dispute and began processing it. Equifax is NOT properly investigating disputes sent in by consumers which is unethical and illegal. The confirmation number for that dispute is XXXX.
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Tried calling and was hung up on, then calling back and always on hold waiting. Capital one # XXXX XXXX I did not inquire for anything or anyone to Capital one. Hard inquiry on my credit report.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to you regarding discrepancies I have found on my credit report. 

Account : XXXX XXXX Account # XXXX Why is this account being reported with 2 different dates of last activity?

15 USC 1692 g validation of debt This account is written off as a charge off. This account is ran as a charge off and I have not received a 1099c cancellation of debt form. This account is inaccurate and is being reported on my credit report. 
I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account high balance and nor do I recognize the late payment associated with it everything reported here does not meet the FCRA. The negative item does not meet the FCRA reporting requirements. I do not understand why this item is being reported when I did not give written consent to share my information. 
This agency is in violation of 15 USC 1692g. they were also to notify me in writing 5 days prior, I was not notified.
Consumer complaint received 2016-12-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me. When contacting the company the account is listed as XXXX. My name is XXXX and XXXX has never been my last name.
Consumer complaint received 2023-10-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CA)

I have been getting repeated calls from Comenity Capital Bank ( who I believe contracts with XXXX XXXX  ) before XXXX and after XXXX from random numbers across the country in addition to many " private number '' calls as well as repetitive text messages- all every day of the week, including Saturdays and Sundays. I have requested to be put on the ( DNC ) Do Not Call list at least four times from both the phone numbers calling as well as the private numbers. The people who call are hesitant to tell me who they are and I have even gotten a call from them asking for a person other than myself. I have gotten up to ten calls in one day, all from different numbers, and never get less than 2. Attached are all the most recent times they have called, as well as the many texts they have sent.
Consumer complaint received 2023-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

Applied for SAVE repayment plan in XXXX. Mohela cancelled request and put me on standard repayments. They sent a bill for {$390.00}. I tried calling and was hung up on by a customer service rep after holding for over 2 hours. I reapplied for SAVE, it has now been approved but they have not adjusted the payment amount. My account still shows {$390.00} due for the next payment. Even though the SAVE program dropped my payments down to {$84.00}. Mohela refuses to adjust my account correctly. Ive tried calling, Ive send them secure messages on their website and I dont get a response. I dont know what else to do other than seek legal action against them.
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (TX)

I was recently defrauded by what I thought was a company that wanted me to work for them. I have my resume up at online job boards like Monster and I received a response from a company concerning a XXXX XXXX position. Although they seemed to be legitimate, they defrauded me for $ XXXX. 

Once it dawned on me that this was a ruse, I contacted the FBI and the Secret Service. I then asked Chase to place a hold on my credit card account. Since it 's been a few weeks and I have yet to hear anything back from the FBI or the Secret Service, I called Chase to find out whether or not I had any fraud protection on my card. Suffice it to say that the woman that I ultimately was transferred to, did not make me feel as if I had been victimized ; she made me feel as if I was an accomplice and was arguing around semantics. She said that I was scammed and not defrauded and therefore not eligible for fraud protection. The words are synonymous though and I explained that in my Email to the CEOs of the bank. I 'm just asking that they help me with this situation and that 's what I called to do until I was challenged by this woman. Surely they can see that I was acting in good faith when I thought I was acting as an agent of this company. I left out a lot of detail for the sake of brevity but I will gladly provide you the Email that I sent to the CEOs if you need it. 

Not only did she make me feel as if I was somehow in collusion with the criminals, she hinted that they have placed some type of freeze on my credit which makes me feel re-victimized because I need my credit to qualify for school loans. Is there anything that you can help me with? Is there any way that I can help myself? 

Thanks for your time.
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

I have been charged for 2 pay over time transactions 7 times instead of just the 6 I should have been. I am only looking at the monthly principal because I got credit for the monthly fees already. XXXX XXXX XXXX from XXXX through XXXX starting on XX/XX/23. XXXX XXXX from XXXX through XXXX starting on XX/XX/23. The last XXXX XXXX charge was only for XXXX. Looking for XXXX credit for interest charged on XXXX bill because I am not paying these charges. Total XXXX. I have understood by a few supervisors I spoke to, but then my claim was deniedXXXX
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently looked at my full credit report and came across accounts that I never opened and wasnt aware of. I also notice the last four digits of a social XXXX on my report which I would like removed because it doesnt belong to me.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Inaccurate information reporting to my file, I wrote these companies over thirty ( 30 ) days ago requesting a copy of any contract or proof of liability for these accounts but have not received any reply. These accounts are not mine. Please delete these accounts, as required by law, from my records in a way that they will not re-report at any point in the future.
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

The bank was contacted regarding my Paypal Mastercard ending in XXXX at the following number : XXXX on XX/XX/, resulting in an 25 minute phone call with overseas agents. The purpose of the call was an unrecognized transaction dated XX/XX/ for {$110.00}. After the lengthy phone call speaking with multiple overseas agents the following was supposed to have occurred : A provisional credit for the aforementioned {$110.00} and a new card number issued to be sent using a rush mailing status. On XX/XX/XXXX XXXX XXXX I personally reached the merchant for the mentioned charge, and they immediately issued a refund of {$110.00}. Upon checking the most recent account activity on XX/XX/XXXX XXXX  for the above card, no provisional credit was issued, the merchant refund is not appearing and the {$110.00} was charged a second time to the account on XX/XX/XXXX XXXX XXXX The payment on the account for {$600.00} dated XX/XX/3 has not been credited to the account, rather it was charged to the account as an adjustment on XX/XX/XXXX XXXX  for {$600.00}. Attached as proof is the following : payment on the account for {$600.00} dated XX/XX/XXXX XXXX XXXX proof of posting of the payment to the XXXXXXXX XXXX  account for {$600.00} posted XX/XX/, proof of the merchant issuing a {$110.00} credit on XX/XX/XXXX XXXX XXXX Paypal Mastercard account history as of XX/XX/.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted 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 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 2024-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (NY)

I filed another complaint yesterday against CMRE financial because they sent notice of collection that stated that " I paid or were credited the amount of $! XXXX and i owe {$520.00} since original bill was {$2300.00} but it's all wrong! I contacted my insurance XXXX XXXX XXXX XXXX and they said the claim was " denied " because XXXX were not notified in accordance with the policy XXXX XXXX XXXX and since the provider is in my policy 's network, I'm not responsible for these charges!
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
Consumer complaint received 2023-10-29
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. (TX)

Ive been contacting all 3 credit bureaus for a while now and information such as accounts that were closed in XXXX  are reporting as negative non payments on my credit even though the accounts are closed. 

XXXX in particularly reports XXXX different accounts on my credit that does not appear on the other two credit bureaus which would be inaccurate information! 

On XXXX XXXX I wrote all XXXX companies requesting this information be removed, and If they could provide me proof of ownership for the accounts and I have not heard one single word from either company!
Consumer complaint received 2023-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

I paid the amount to keep it from going on my credit despite my being over charged and the interest incurring daily is insane. I can not afford these payments especially with the increase in the cost of living. Nelnet has had XXXX response back to me and continues charging me inaccurate amounts and interest overcharges.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Consumer complaint received 2023-10-29
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. (CA)

XXXX is obligated by the Fcra to report accurate accting consumer has advised, all the inquiers reported was fraud, said has 4 days according to LAW to remove such items FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX  to provide documention used to determine inquiry was indeed authorize by the consumer, XXXX  has15 days to provide me with the name if the person spoken to, documention used, signed application with consumer wet ink signature.consumer is not asking foran e-oscar report.if XXXX does not have documentation to show these were in fact authorized it must be removed asao.Said company is liable under the sec to follow certain rules.I will be filing form 211 treasury omb forms to audit consumers account.XXXX is securitizing consumers data yet refuse to provide a copy of theit CONSUMER FILE NOT CONSUMER REPORT
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I applied for citi credit card. I was offered a XXXX XXXX XXXX balance transfer option, which I utilized. However, they are charging me XXXX XXXX XXXX on new purchases, even if I pay my new purchase balances on time.
Consumer complaint received 2023-10-29
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 (AZ)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I believe this limitation was enacted in error, and I would like to formally appeal this decision. 

First and foremost, I would like to emphasize that I have always strived to abide by PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action, nor have I violated any of PayPal 's terms of service. My intent has always been to use PayPal as a secure and convenient platform for my online financial transactions. 

I kindly request that PayPal conduct a thorough re-evaluation of my case. It is my sincere hope that upon further investigation, any misunderstanding or erroneous information that may have led to this limitation can be rectified. I believe in the fairness of PayPal 's services and trust that a careful review will reveal that there has been no wrongdoing on my part. 

In light of the above, I respectfully appeal to PayPal to reconsider the limitation placed on my account and, if possible, to reinstate it. I understand the importance of security and compliance, and I am more than willing to provide any necessary documentation or information to facilitate this review process. 

I appreciate your attention to this matter and kindly request prompt communication regarding the progress of my appeal. Restoring access to my PayPal account would greatly assist me in managing my financial affairs efficiently and securely. 

Thank you for your time and consideration. I eagerly await a positive resolution to this issue.