davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-24
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc (CA)

Without realizing it I signed up for PayPal credit while making a purchase. I was unaware of having done so and eventually accrued more than {$92.00} dollars in interest and fees in the 6 month period. I was unaware that the purchase had not been paid in full at the time. PayPal credit also signed me up for a {$1000.00} credit line, which I also did not intend to sign up for. PayPal also conducted a " soft '' credit check against my account, which I also do not recall being notified of.
Consumer complaint received 2015-08-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (CA)

I have requested in writing to this company proof in writing showing that this account belongs to me and to send me proof of my signature showing the same. They keep ignoring me and now they send me a letter with some attachments containing some charges under my name with no signature proving that this belongs to me. This account does not belongs to me.
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have attached documents that explain what happened during a recent credit card dispute. I submitted my vehicle to an ill reputed mechanic shop and did not get the service that I had asked for, but was charged {$650.00}. Capital One then asked me for documentation to prove that the original mechanics had not provided the service I had asked, and I provided them with a receipt from an inspection by a XXXX dealership showing that the problems which XXXX XXXX had originally agreed to address were not addressed at all. Capital One told me that the documentation was not enough and then made unreasonable demands for follow up documentation. Specifically, they asked for signed letterhead from XXXX specifically naming XXXX XXXX as the mechanic that failed to provide the service I specified. I do n't know how XXXX could possibly have known what I asked the XXXX XXXX to do. It was an unreasonable demand and I felt that Capital One was just trying to shut the case down.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In XX/XX/2016 my wife and I tried to get a HELOC on our primary residence and we were denied because of remarks on our credit report. The remarks stated : Our account was settled for less than full balance ; account paid, foreclosure started. This remark is untrue and is different from the monthly reporting on our credit reports that show we paid all of our bills on time. We sent letters to the credit bureaus and were sent a letter stating the problem would be corrected and that notification to all three of the credit bureaus would be sent. Two years later this negative remark is still on two of my credit reports and one of my wife 's report.
Consumer complaint received 2024-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. ()

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.
Consumer complaint received 2015-08-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I have XXXX of the exact same debts reporting on my credit report. Same account, Same amount owed, same debt agency, same date of service, same account number, etc. I did an online dispute and they came back verified, however they are the exact same debt and should not be on my credit report twice. You can see in the attachment that they are the exact same debts and they were " verified '' although they should not both be on my credit report.
Consumer complaint received 2015-08-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OH)

I filed bankruptcy a few years back and when I did my lawyer didn'treaffirm my mortgage. I never knew this until I tried to refinance. 
Things changed in my life and I could no longer afford XXXX amonth. I have asked over and over with my mortgage company tohelp me to just lower the payments. I do not want to loose my housebut I am now a month behind on my payments. With the mortgagenot being reaffirmed, none of my payments show on my credit. I'mnot trying to get out of paying I just need lower payments.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANKUNITED, NATIONAL ASSOCIATION (MN)

As a XXXX-year old wife of a XXXXyear old husband, I had, in XXXX XXXX, 2004, and, currently, have an interest in a second home XXXX. My husband took out a loan on this second home in XXXX of 2004 as a married man, and was in title under the same. I have come to find out that my name should have been acknowledged and my signature added to the Borrower 's Affidavit as an interested party who may assert a claim and it was not. I am now in a divorce and was not made aware of this debt until recently which has put me in a compromising position that will ultimately affect my retirement savings.Technically, my husband 's homestead is in XXXX the jurisdiction of the divorce. For this reason, I would like to speak with someone about the falsified Borrower 's Affidavit and how this issue can be resolved. This is a residential property and I should not have to obtain counsel. I note that the title company that handled this loan closing was XXXX and currently their status is " forfeited ''. 
Thank you.
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One ( Quick Silver ) credit card continues to charge me an interest charge on cash advances. In the last several years they have charged me between $ XXXX {$700.00} in interest for these bogus cash advances charges. The company is not helpful in resolving these matters. When I talk directly to them, I am sent to a number where the person on the other end can not speak fluent english which creates a communication barrier. They seemed to use stall tactics, putting me on hold for up to XXXX minutes. There has been no resolution in years on this matter. The response is always the same, " you must have made a cash advance transaction. My last response from Capital One was not productive in getting them to stop these bogus cash advance charges. They seemed to acknowlege that the stores where I make purchases from are coding them in a certain way therefore creating these charges. When I have asked local merchants about this they have no idea what I 'm talking about. I believe this explanation is baseless and is an outright lie. For now the charges continue although they have now decreased in the amount from $ XXXX {$6.00} down to XXXX on these transactions. This is not ethical and I consider it to be theft on their part.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

For the second time in a month, Citibank has removed my access to manage my accounts with them. I am an over-the-road truck driver, I manage all my accounts online and therefore do not have checks for my personal bank accounts. As I work hard to manage all my accounts, I noticed right away when they shut down my access again, and contacted them immediately. They claim that there are no restrictions on my accounts, and basically told me the problem doesn't exist. Today is XX/XX/2022, my payment for my Citi XXXX XXXX card is due on XX/XX/2022, I have no way to make this payment. I was able to elicit a response from Citi 's " XXXX response team '', who also told me the problem doesn't exist, and has subsequently ignored all of my attempts to communicate with them to resolve this problem. 

The last time this happened, they claimed it was because XXXX ported my wireless phone number from XXXX to XXXX ... and that somehow added up to them restricting my access to my accounts with Citi. I have verified all of my personal information with Citi over and over and over and over and over and over and over and over and over and over. All I'm trying to do is PAY THEM BACK THE MONEY THAT I OWE THEM. By continually ignoring this issue, they are effectively refusing my payment. The first time they put a blemish on my perfect credit, you will be getting another complaint for that. 

Until this issue is resolved, I will be making my payments into ESCROW. Any fees they charge me will be added to the lawsuit. 

Citi- don't bother responding to this complaint ... because I no longer care to hear your BS. Save it for court.
Consumer complaint received 2022-09-04
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: Credit Karma (IN)

Credit Karma began running monthly unauthorized credit checks on me personally under a email address not mine but persisted for over 12 months. When inquiring about this with them nothing was accomplished nor information needed to address and uncover who was responsible for this. Pretty much same with identity theft and XXXX not being able to verify my identity and a problem with my bank and fraud you forwarded to comptroller of currency which I was falsely accused of fraud after repeatdly asking for help from bank only to be later completely and wrongly defamed accused and false statements from bank to comptroller. Due to repeated and unending attacks and no help or protection for any electronic device I am now completely and totally destroyed dignity character you name it. I was sent an email by you pertaining to a student loan I never opened nor know anything about and can not get answers to who where or any help or credit or life what so ever after this complete and total failure to help but I tried to do what was needed to assist but was stopped in my tracks everytime I tried. By theft data hacks and just outrageous ridiculous behavior I've have never witnessed nor seen in my XXXX yrs on planet and now getting worse thanks I had so much hope now I'm so physically and mentally destroyed and tired of all the false and just godawful things that I have endured due to such complete and total destruction of my health life and any desire to ask for help to stop wrongful and clearly illegal behavior. I can not endure all the misinformation financial or personal attacks and can't health wise endure a protracted and totally ridiculous reason to have to now hire attorneys and go after the bad actors. I was so hopefully my request for help would lead to good results only to further damage and lead to bigger and worse problems. I'm so disappointed and confused how a bank a credit reporting XXXX  and XXXX and XXXX XXXX such blatant and obscene behavior besides hotel stealing from debit cards and loans etc I cant contest or even attempt due to no faith or trust left to even ask.
Consumer complaint received 2022-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I received a phone call from XXXX XXXX XXXX ( a XXXX XXXX XXXX  number was listed on the caller ID ) on XX/XX/22 at XXXX PM, where the man on the phone stated that the electricity to my home would be cut by XXXX XXXX if I didn't provide him with {$490.00} to send a technician over - the amount of which would be refunded later. He stated that I should pay this amount through the XXXX XXXX app, at which point I sent the {$490.00} to the contact that was provided. He then stated that because I had not put a memo on the transaction, the transaction had not been completed and had be cancelled, so that I would need to send the {$490.00} once more so that they could send over the technician. I stated that I did not have sufficient funds to cover the charge again, and he mentioned that I would be refunded this amount within an hour, and that they would provide me with 2 codes to provide to the bank, so that the bank could refund me the money. They sent me a code " XXXX, '' which I then realized was another amount that they were requesting. After I said I will not send this account, they told me that they can give me another code, which would alert the bank to refund this money. The next " code '' he sent was " XXXX '' followed by another " code '' which was " XXXX '' at which point I sent over both these amounts. In total, I sent this man, who had claimed to be from " XXXX  XXXX XXXX, '' {$1600.00} from my personal debit card through the XXXX app. After being suspicious of these transactions, I called back XXXX XXXXXXXX XXXX, where I spoke to a representative who stated that they never authorize transactions through the XXXX XXXX, and I immediate realized that the first man who called me was not who he claimed to be. I proceeded to call my bank ( Wells Fargo ), who stated that there was nothing they could do because I had authorized this transaction, and I next filed a police report.
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute inquiries listed on my credit report that I believe is inaccurate and part of a data breach my information. The inquiries in question 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 I do not recall authorizing these inquires been that I already have a car loan, I have no knowledge of my business dealings with, I Have not applied for any credit or services from them, and I believe these inquires may be a result of identity theft or mistake.

I request that you investigate this matter further and provide me with any information you have regarding the inquires. I also request that you remove these inquires from my credit report as soon as possible, as it negatively affecting my credit score. 

Please provide me with any updates or resolutions to this dispute in writing at the address listed above. I appreciate the prompt attention to this matter and look forward to hearing from you soon. 

Thanks, XXXX XXXX
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2023 at XXXX XXXX, I received an email regarding the opening of a new bank of america account. I do not have, nor plan on having an account with them. I also received an email saying that the email has been changed.
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (NY)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
XXXX XXXX XXXX $ XXXX 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 XXXX business days after the date of receipt. 
XXXX XXXX Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not read or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (IL)

The credit reporting agency EQUIFAX INFORMATION SERVICES , LLC has been informed of several UNAUTHORIZED INQUIRIES currently being furnished on the consumer credit report belonging to the consumer XXXX XXXX and has failed to remove or block these unauthorized inquires as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. The term Identity Theft is defined under 12 CFR 1022.3 ( h ) as a fraud committed or attempted using the identifying information of another person without authority. The consumer has identified the unauthorized inquiries provided herein have resulted from Identity Theft and unauthorized use of the consumers personal identifying information and has given notice that these unauthorized inquiries have not resulted from any authorized consumer credit transaction. The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC is in violation of the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ] for failure to block from reporting the unauthorized inquiries no later than XXXX business days after receipt and delivery of the notice delivered on Sunday XX/XX/2022 at XXXX sent by way of USPS Priority Express Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with Federal Law under the Fair Credit Reporting Act I demand that this agency immediately remove or block from reporting the following unauthorized inquiries : UNAUTHORIZED INQUIRIES TO BE REMOVED : 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 2017-10-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CA)

I am in XXXX XXXX and currently repaying my XXXX school loans via XXXX XXXX  using Income Based Repayment Plan. This year, my monthly payment jumped from XXXX dollars a month to XXXX a month despite no change in my income. I called XXXX and they said they would look into it but it has not changed.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My debt got sold to Shellpoint Mortgage Servicing at the end of XXXX. Since then we have communicated with them twice about the following issue : When we send additional principal payment, they apply it to the monthly principal and interest payment.They essentially prevent early principal repayment. The first time it happened they said we need to use the official slip and write explicitly that it is principal only. We have done that and they continue with the same practice. They are blocking our early debt repayment and I believe this is fraudulent practice.
Consumer complaint received 2023-06-20
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. (SC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-10-25
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: Experian Information Solutions Inc. (CA)

I have recently obtained a copy of my credit file and there are still many mistakes in my report. 
In fact, I have asked for the Verifiable Proofs for the below accounts : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX