davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2020 my due date for my credit card, I looked at capital one app because my credit card payment was due. I noticed a {$59.00} charge for annual membership fee posted on XX/XX/2020. I called customer service and asked to close my credit card venture to change to a different credit product without an annual fee. I was told that it was too late to cancel according to my terms. 

On the XX/XX/2020 call, I asked where I could find the terms which I could not find in the app. The account representatives told me they were not available on the app but could be found on the website. During this time, I was unable to find online. 

XX/XX/2020 I was now told that I could find these terms on my statement as I called back as I could not find these terms online under my login terms. 

I found this on my statement, " How can I Avoid Membership Fees? '' " If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. '' However there is no charge on the statement ending XX/XX/2020. The charge is on XX/XX/2020 which I find unfair because it is structured so that you might miss the notice on XX/XX/2020 and not realize that you only have 15 days to cancel. If you don't look at your statement til close to your due date, than the time to cancel passes, which is what happened to me. 

Further, I asked if there were any relief benefits for people effected by Covid-19 on annual fee / interest rate reduction and I did not receive any.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

hi. i bought in XX/XX/2018 {$500.00} worth of XXXX  trough coinbase. .now coinbase allege i only have {$1.00}. i never authorized a single transaction. where's my money??? thank you Bought XXXX  XXXX XXXX  @ {$1100.00} per XXXX  Reference code XXXX Price per coin {$1100.00} Payment Method MasterCard XXXX Coinbase Fee {$4.00} Payment Method Fee {$12.00} Subtotal {$480.00} Total {$500.00} XX/XX/2018 XXXX XXXX
Consumer complaint received 2020-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase ( JP Morgan ) is closing my checking account because XXXX XXXX is claiming unemployment from with my account information. Unemployment contacted my bank targeting my account as a red flag. I have never collected unemployment in my life I don't know an XXXX XXXX. a few months back I had to change all of information email passwords because there was fraud on my bank account I got anew debit card and haven't had and issue until now.
Consumer complaint received 2020-12-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2019 PORTFOLIO RECOVERY ASSOCIATES added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, PORTFOLIO RECOVERY ASSOCIATES has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-11-26
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: Experian Information Solutions Inc. (GA)

I am very XXXX! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Commonly by law, you should react within 30 days. During these troublesome occasions, all of you have been given an expansion which I comprehend. In any case, it has been well over the augmentation period given. I have prompted you on in excess of XXXX unique events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest in your organization eliminates this blunder from my credit report or face case. In the event that you don't eliminate this off-base data quickly, I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my reports and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome monetary period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is infringing upon the Fair Credit Reporting Act isn't erased I will proceed with my FTC objection. As demonstrated by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a remarkable buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. 

Your powerlessness to emphatically check these records has hurt my ability to get credit. Under the FCRA, off base and strange data must be erased from a customer 's credit report.
Consumer complaint received 2020-12-05
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. (AL)

I have reached out and wrote all three credit bureaus about the identity fraud that I was a victim to back in XXXX 2019 with a company called XXXX in the amount of {$17000.00}. Also I was victimized again on XX/XX/XXXX with fraud with a company called XXXX in the amount of {$26000.00}. I wrote numerous letters and sent police reports to Experian, XXXX, and XXXX  with no response. These 2 accounts are not mine and needs to be off my credit report immediately. Thank You
Consumer complaint received 2020-12-04
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 am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible. I have been trying to get this matter handled for several months now and the credit bureaus are not giving me much help.
Consumer complaint received 2020-12-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (CA)

Resurgent is reporting a collection account as currently past due and refuses to talk to me about the account and will not allow me to pay the account off. This is a clear violation of the FCRA.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (MD)

This is now my third complaint being made through CFPB. The two previous complaints did not answer my concern. I opened an account online. I was in Pennsylvania a few days after opening my account and deposited a check. I never received my debit card and when I contacted BB & T I was told it was issued and used. So the claim was submitted, I filed a police report and identity theft form through the FDIC, sent in all information to BB & T. The funds were returned back to me however BB & T closed my accounts. Which Im 100 % okay with beings this is the most horrendous company Ive ever dealt with. I received a letter dated XXXX XXXX,2020 stating all of my accounts were closed. In the two previous responses to my CFPB complaints I was told again and again that my accounts were closed to visit a local branch to obtain my funds. Ive requested a check be sent several times and each time Im told I would have to go to a branch to receive my money. When I spoke with BB & T on XXXXXXXX XXXX,2020 the representative rudely told me I have no choice but to go to a branch and that there was a branch 11 miles from me. So today XXXX XXXX2020 I was able to borrow a few dollars from a friend to make this 11 mile trip. However when I look up the directions, theres no branch 11 miles from me coming up on BB & T website for branch locations. The closest one is 40 minutes away. Again I contact the centralized fraud department at XXXX. Again, Im spoke to like a piece of XXXX  criminal and told they werent the ones that told me it was 11 miles away and my only option is to go to a branch to retrieve my money from these closed accounts. So I contact the nearest branch in XXXX Pennsylvania at XXXX. She pulls up my account information and informs me that the two checking accounts that I received letters from bb & t informing me the accounts were closed and the 2 previous responses I received through CFPB complaints informing me that my accounts were closed, are actually not closed. They are blocked and it says unable to withdraw from these 2 accounts. Thank goodness I didnt travel there to be told this because I would be in jail right now. So BB & T has been lying in the letters sent and through the CFPB responses. Nor am I able to retrieve my money at a local branch like BB & T has told me several times I can. Ive done everything possible to get my money out of these accounts. BB & T refuses to give me my funds I deposited with them. Ill repeat again so I dont receive the same generic responses I got the past 2 times. I DO NOT CARE THAT THE ACCOUNTS ARE CLOSED. I DO NOT NEED TO BE TOLD THAT BB & T HAS THE RIGHT TO CLOSE ANY ACCOUNTS AT ANYTIME. I DO NOT WANT ANY OPEN ACCOUNTS WITH BB & T. I WANT A RESPONSE ADVISING ME THAT THE MONEY IN MY ACCOUNTS WILL BE SENT VIA CHECK THROUGH THE USPS.
Consumer complaint received 2020-12-04
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: Bread Financial Holdings, Inc. (CA)

I have submitted several disputes, attaching FTC identity theft report to credit reporting agencies, and the creditor will not remove the fraudulent account. Also the CRAs tell me that there is nothing they can do besides follow the creditor response. 

Creditor : comenity bank/ XXXX XXXX
Consumer complaint received 2020-12-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Yamaha Motor Finance Corporation USA (TX)

This account was included in a chapter XXXX bankruptcy 2 years ago. In spite of this, they reactivated the debt and began trying to collect it. Sending a collection letter for {$6000.00} more than was left at discharge, and adding four 120 day late payments to my credit report. This is illegal and highly criminal as the debt is not legally allowed to be collected in any way.
Consumer complaint received 2020-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank double charged my checking account for my loan. It put my checking account in the negative, I called to get my money back they told me I had to wait for a check even though I am now broke right at the end of XXXX when bills come through. They told me the check would send on Wednesday XX/XX/XXXX and that it would be overnighted to arrive on Thursday XX/XX/XXXX. I have yet to receive a check and it is Friday XX/XX/XXXX. I got in contact with Huntington today XX/XX/XXXX about the check. I was told they have yet to even send the check and it wont be here until XX/XX/XXXX at the earliest. I currently have no money to pay bills which I expressed to Huntington due to their own mess up, yet they will still not provide any help getting the money back in a timely manner.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX I sent a letter regarding some unknown and innacurate things on my credit report. Over 60 days later I have not recieved a response yet. I feel like I am being ignored and taken advantage of. In section 611 ( a ) it states that Failure to investigate these items within 30 days gives a reason to immediately remove this from my credit report. IT has been 60 days and these items should be removed from my report. I have suffered so much from these innacurate items. My family is also being caused massive stress. I demand these items be deleted or I will have to file for litigation because of the stress you have caused. I have been included in the XXXX Data Breach and I fear this might expose my info to wrong hands.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Consumer Name XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX experian and XXXX  credit reporting agency , block & delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Reason : Identity theft & Data breach.These fraudulent accounts consists of a auto loan at XXXX XXXX XXXX around XX/XX/XXXXXXXX  with account number XXXX and other accounts at XXXX XXXX XXXX account number XXXX around XX/XX/XXXX and IC system account number XXXX  around XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer FICO credit report & file. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity cease & desist. I do not recognize the aforementioned accounts & Information reporting, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

ated to said items cease pursuant to my rights within the FCRA and FDCPA Laws.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MS)

I have submitted multiple disputes to this creditor asking for bank statements to show when they did not recieve my payments. I have never been late on my mortgage payment. It has always been paid on time. They have me being late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. My account is auto draft and the funds were always available
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have reached out to XXXX numberous of times about my KY HIGHR EDU account about multiple errors on my report. Date Opened, Date Reported, Creditor Type, Account Status andPayment Status is all incorrect. I sent letter on below dates 1st - XX/XX/2020 2nd - XX/XX/2020 I received letter saying updated but did not fix the errors
Consumer complaint received 2020-11-29
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 (TN)

On XX/XX/2020 I received an email from Paypal telling me " Checking out with PayPal just got easier XXXX  XXXX XXXX - XXXX Since we recognize this device, we'll automatically log you in so you can skip typing your password at checkout. 
" This is called their " auto login '' feature. I do not want it. I turned it off and complained that this is a security breach, I WANT this device to be required to enter a password at checkout. I asked them to promise not to do this again without asking me first. 

I have been corresponding with paypal thru their message center since late XXXX. They admit sending the email. They don't admit it is a security breach and they don't say they won't do it again. Instead they offer answers to a dozen other problems which I don't have. They refuse to discuss the problem I have described, they offer only irrelevant answers.
Consumer complaint received 2020-12-05
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-11-28
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: EQUIFAX, INC. (LA)

On XX/XX/2020 I sent Dispute letters for those inaccurate and unknown accounts on my Credit Report but it's over 30 Days today I haven't received any response. I was a victim of Equifax Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.