davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one continuously pulled automatic payments out of my accounts when it was pretty clear that the transactions were being returned simultaneously and they continued to hit my account with charges. Same with the credit cards Ive had with them for years. My payments were always made and I lost my job due to XXXX XXXX and finding another source of gainful employment was impossible due to several businesses being out due to damages. Ive attempted several time withof my auto loan company ( not capital one ) and credit cards I have over these issues and no one has been understanding or really caring for that matter. Now, the credit I worked hard on building is all gone and Ive even tried to call and make arrangements to fix the damages and pay on the accounts .... still nothing. Now, I cant even link my existing accounts to my capital one accounts to be able to have access to my funds and make payments. Im so overwhelmed and I feel like Im never going to get out of this hole!!!
Consumer complaint received 2018-05-09
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. (GA)

My TransUnion Personal Credit Report dated XX/XX/XXXX shows XXXX XXXX XXXXXXXX XXXX XXXX obtained reports about me on XX/XX/XXXX and XX/XX/XXXX. 

The report states that the company obtained the report for the review or collection of an account. 

I do not have nor have I ever had an account with XXXX XXXX XXXX XXXX XXXX. Under the FCRA an account is a demand deposit, savings deposit, or other deposit of an asset of the consumer 's. I have never opened any type of deposit with XXXX XXXX XXXX XXXX XXXX. 

Furthermore, I have had a permanent opt-out from promotional offers in place since XX/XX/XXXX, I have a had a permanent legislative security freeze in place since XX/XX/XXXX, and have had fraud alerts in place since XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX obtained information about me from TransUnion illegally.
Consumer complaint received 2018-05-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently noticed an account on my credit report that listed as Kohl 's Charge Card and I never opened an account with this company. When I called the company and sent multiple letters they have sent me back a generic letter stating the account was not opened fraudulently which I never opened this account and if they are say I did then I asked for a consumer agreement or application with my signature on it and they stated on XX/XX/XXXX that they don't keep that information on file past 90 days. The still have have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it or etc. ) and under Section 611 ( 5 ) ( A ) of the FCRA. The will not because they stated that they don't have it.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (FL)

I just filed a dispute with XXXX. a few of my accounts which I paid off and have a XXXX balance they are still showing I owe that balance. how can this be dealt with improper information which it effects my credit and it's been a good two weeks since these payment balances were made. A few of the accounts show a XXXX balance but there are others that don't.
Consumer complaint received 2018-05-30
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 (GA)

I applied for a Saks Capitol one employee card on XX/XX/XXXX. I was then emailed about needing more income for the card. I was unaware that i needed higher income than XXXX  to receive a {$100.00} employee card. I decided i no longer needed the card if i could not get it with that income, i assume they wanted to give me a higher limit. I only wanted the card because it is the only way employees receive their discount. I then check my credit report and see that there is another inquiry on XX/XX/XXXX, which i did not authorize. I have left voicemails and sent an email to the company and have received no response.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

capital one credit card was connected to checking acct. until CAPITAL ONE CLOSED BRANCHES.I clearly asked them not to go OVER {$1500.00} on limit, by calling CST CARE. I was fine paying Monthly under {$70.00} and now am getting PAYMENTS of over {$210.00}!! That '' s almost half of my MORTGAGE House payment. I work XXXX hours daily and DO NOT have time to call and wait for assistance on 30 min. Lunch.All I do is by text or EMAILS. I know I OWE the card. But, am single and with no EXTRA help, and feel I should file BANKRUPTCY if Credit card payment is that high! i would like to stay with PAYMENT of {$65.00} as ALWAYS. I don't understand, when I hardly use card, how it went up so high
Consumer complaint received 2018-05-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OK)

I had a payday loan with Ace Cash Express from years ago that I did not pay because I fell on hard times and lost everything. I got contacted by XXXX XXXX the last time on XX/XX/2018 the last time. They had a " professional locater '' call me and threaten me to be arrested any minute and that they had a warrant then she gave me a number her number is XXXX. She told me that a medaiator company is who was handling my account and gave me this number XXXX called XXXX. I talked to them and they made the same threats and I was scared so I gave them my account info. I thought about it and then called the FTC then CFPB after they reffered me. I spoke to both and they told me it sounded like a scam and to stop the debit so I closed my account and opened a new one. They also told me ask for their license. I called XXXX  back and told them I was filing a complaint and I needed the license number and their names. The desk girl got really upset and said she just worked the desk, she had no idea what they were doing and she knew it wasnt right and she didnt want legal problems and said she would stop the payments. She pretty much admitted that they were a scam. the email that the sent stuff from was XXXX they call themselves XXXX XXXX, XXXX and XXXX  XXXX. I asked them to email me everything and the refused the would only email a payment schedule. I want to press charges, they had me in tears acting like they were on their way to arrest me and then scamming me out of my money. I called ace cash express and the debit has been sold and I couldnt track it, where they said they sold it no longer had it.
Consumer complaint received 2018-05-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Starting XX/XX/2018, I have submitted numerous written requests to both the creditor and Transunion to have this account validated as I am certain the charge off being reported is erroneous. Transunion keeps sending updated " verified '' credit reports with instructions to contact the creditor directly for any further concerns ( I've received no contact from the creditor themselves ) and when calling the XXXX using the number provided by Transunion 's own " investigation '' ( XXXX ) it's an automated messaging system that directs you BACK to Transunion for any disputes. It's an endless loop between the creditor and the credit bureaus and the consumer is caught in the middle. 

I've uploaded several of the OFFICIAL investigation reports received from Transunion showing the same phone number and address for XXXX that simply loops you back to Transunion.
Consumer complaint received 2018-05-30
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)

On XX/XX/2018 I contacted this credit bureau to have inquiries removed that were not mine. There are a list of inquiries most of which are duplicated on my report. Please instruct the bureaus to remove these fraudulent inquiries as soon as possible.
Consumer complaint received 2018-05-30
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX client XXXX XXXX  is an identity theft victim. His information was used to apply for a Kohl's/Capital One XX/XX/XXXX and another application was submitted to XXXX XX/XX/XXXX. Official disputes were sent to each XX/XX/XXXX and as of this date no reply to the results of the investigation have been received. This is a violation of FCRA.
Consumer complaint received 2018-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (PA)

On XX/XX/2018, I was notified by XXXX of a negative report that was furnished to it by XXXX XXXX XXXX XXXX. This company reported that I owed it {$96.00}. When I called they purported to represent XXXX  Hospital and claimed that the {$96.00} was the result of a medical bill.

To date, I have never received such a bill, nor have I received any verification of this debt. Yet, Med Data Systems has reported same to XXXX and possibly several other credit reporting agencies. I have concerns that this could be the result of fraud or identity theft.

I have also not received any information concerning the types of treatment that was allegedly rendered, or information about the treating physician, etc. I have since sent out a letter to this company requesting this information, but have not yet received a response. I've also asked for documentation verifying the representation of XXXX  Hospital. I even called seeking this information, yet the company was unable to provide such information verifying the relationship -- that it is in fact authorized to collect a debt on behalf of XXXX Hospital.

This feels like a scam and I am very concerned that my privacy has been compromised.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

Ref. Complaint # XXXX : On XX/XX/18 I submitted a complaint regarding Equifax. The complaint was sent to the company on the same date. On XX/XX/18 company responded to you that their response was in progress and they would require more time to research the complaint. I was also told by a CFPB representative that the company had until XX/XX/18 to respond.As of today, XX/XX/18, I have not received and responsw from the company.
Consumer complaint received 2024-10-03
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (CA)

Subject : Complaint Against Consolidation Plus Dear CFPB, I am writing to formally file a complaint against a company named Consolidation Plus regarding my troubling experience with their services. 

In 2017 approximately, I hired Consolidation Plus with the promise that, in exchange for a payment of {$35000.00}, they would pay off my debts in full and that I would only need to make a single payment. 

However, after making this payment, I sought business funding and was informed by the underwriter that Consolidation Plus had not settled any of my debts. When I reached out to them, I received false assurances that my debts had been paid off, but they were unable to provide any validation or receipts to support this claim. 

Despite my numerous complaints, I was promised a refund of my {$35000.00}. Unfortunately, this refund never materialized as Consolidation Plus faced multiple lawsuits alleging deceptive practices and failure to deliver on their promises. Ultimately, the company closed down following these legal challenges. My debts were sold to another company, which is now reporting {$50000.00} as a charge-off on my credit report. I was never given the opportunity to dispute this debt. 

The new company is now demanding an additional {$50000.00} on top of the {$35000.00} I already paid for the debts that were allegedly settled. 

I am requesting your assistance in applying all relevant consumer laws to dispute this debt and hold Consolidation Plus accountable for theft by deception. The applicable laws include : Fair Debt Collection Practices Act ( FDCPA ) : Prohibits debt collectors from using deceptive or unfair practices, including failing to provide validation of a debt. 

Truth in Lending Act ( TILA ) : Requires clear disclosure of credit terms and costs, which Consolidation Plus failed to provide.

Credit Repair Organizations Act ( CROA ) : Regulates the operation of credit repair organizations to ensure they provide honest and transparent services.

Consumer Financial Protection Act : Protects consumers from unfair, deceptive, or abusive acts in financial services.

Consolidation Plus has faced numerous legal issues in the past, with many consumers reporting negative experiences related to deceptive practices. Some lawsuits have claimed that the company failed to fulfill its promises regarding debt relief and settlement services.

I seek proof of validation of this debt and request that it be removed from my credit report, as I never received the services I was promised. Additionally, I would appreciate any information regarding lawsuits against Consolidation Plus.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I received a letter fromEquifax stating that they will not remove my information from my report unless I send the following shown and circled in the letter, I am sending copies to you and to the company so that this can be removed persection 605B of theFair Credit Reporting Act : My request was as followed to Equifax : I have mailed off the form Equifax requested for them to remove my information : on XX/XX/year> I have contacted Equifax credit reporting companies and requested in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. I demanded a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. ONce again I would like for them to properly reinvestigate and remove the following : Credit First XXXX / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

Paypal has denied claims in the amounts of XXXX and XXXX for item ( s ) not received. I have disputed the two transactions which took place on or around XX/XX/XXXX from a " XXXX XXXX ''. The person was supposed to send two videos, failed to send and stopped replying to messages via XXXX messenger. As I've explained to numerous Paypal reps and again here, lots of scammers use XXXX messenger to facilitate and run their scams as is the case here. Paypal claims to have received " evidence '' of sent items, one Paypal rep referred to a tracking number which he did not provide and is bogus. The items were supposed to be delivered via email or text, there is no such tracking number which would show something sent either way, text or email. Paypal refuses to do to anything and refers back to bogus evidence, they also refer back to account ( s ) which are not mine. They insist I had an account in XXXX, it appears to be someone with the same name, possibly a relative. Paypal has been sued in the past with regard to their transactions, please refer to XXXX v Paypal in which they settled for claims denied. I have forwarded information to attorneys in that case. They need to refund the charges or they will continue to receive complaints.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, 2016, I uploaded a letter of dispute to Experian via their XXXXXXXXXXXX. Once I uploaded the information, I received the immediate statement stating my upload had been received successfully. I allowed the 30 days to receive the results from Experian but had received nothing. I just pulled a copy of my credit report from Experian and contacted them to see why an investigation had n't been performed. According to Experian they did n't receive anything from me in regards to an investigation. How could this be when I still have the saved page of them confirming successful receipt of my request? I am asking that something is done about this.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX of this year I attempted to purchase a credit repair program, from someone named XXXX XXXX, one of his Company websites is XXXX, the cost of this program was {$1000.00},. I did a XXXX transfer. In return all I received was a data dump of useless information, it was the equivalent of buying a tv and opening the box to see a box of bricks. I attempted to retrieve my money from XXXX XXXX, but he began to ignore me so i attempted to request my funds back from Bank of America explaining the situation and that I was a victim of a scam. the claim number was XXXX, I also filed 2 claims with the FTC XXXX and XXXX. Unfortunately Bank of America was not able to assist with this and closed the claim. 

I am mentioning this claim because it was mentioned as an issue by one of the representatives, when I began trying to understand why a 10 year old credit card account was excellent payment history and in current and good standing was closed. 
I have been a customer of Bank of America for over 20 years with no issues until recently. I received a letter in the mail stating that my credit card of 10 years had been closed due to unusual authorized user activity. When i called for clarification no one was ale to explain what exactly the activity entailed. I inquired whether adding and removing authorized users was a violation of my terms and they said no it was not. After dialing multiple numbers I did speak to a representative in the credit department who stated that I had a claim on my account, but I mentioned to him that it was not my credit card that had the claim, He still inferred it may have some bearing on the decision. Ultimately I was given the answer that XXXX filed a report about my authorized user activity, but Bank of America could not provide the report. After my calls I also received several contradictory letters stating the account was open and my account history which was all excellent, this left me confused. Since Bank of America is the issuing Bank I would think ultimately the decision is theirs to open or close my account. I feel i was treated unfairly to have my account closed without a chance to dispute. Since then my credit score has dropped drastically due t losing my oldest card, which has made it difficult for me to get financing for my businesses. I also have a {$79.00} credit on the card that I am not sure what to do with since i can not charge anything to the card and can not transfer it to my other accounts.