davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

Good day, In XXXX I started the search for a house. My loan originator was going through details and accounts that are currently active and reporting to find out that an account that to my knowledge was closed back in XXXX was reporting as delinquent. 
A brief summary : I started the process of a credit consolidation in XXXX for several accounts through a company called XXXX XXXX based in California. All the accounts were closed successfully, but somehow, the Citibank XXXX XXXX XXXX XXXX ( one of the multiple account I was consolidating ) did receive payment in full for the amount agreed to settle of {$510.00}. This amount was paid in two installments, first one in the amount of {$310.00} ( check sent and cashed by creditor ) and a second payment in the amount of {$190.00} ( same as other, cashed by creditor as well ) I have already provided these details and a handwritten letter to Citibank Payment Investigation Department. However, I am still pending for a resolution that could take anywhere between 30 to 60 days ... I HAVE TO WAIT?!?!?! I am trying to buy a house, and this account should have been closed in XXXX of XXXX. Now almost three years later, I am being treated rudely over phone ( worst costumer agents in general English speakers - Spanish agents are great ), I call to verify the received everything they have asked me for and they tell me they did not receive anything and that now i have to wait two months for a resolution. 
Resolution is simple. They were paid in full in a timely manner and they are trying to collect more money from me. They are and have been affecting my credit score for three years now. I have been subject to highest APR for everything. I want compensation and immediate resolution. I have everything, details and proof of account being settled in a timely manner and that they received and cash their payments. 

Please help me. This situation has affected me and my family long enough. 

Cordially,
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names : -XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX Have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Other — 
Company: Bread Financial Holdings, Inc. (PA)

I recently applied for a refinance loan through my local credit union and was denied because XXXX-XXXX card reported last year that they closed an account of mine in XXXX due to bankruptcy. I had a bankruptcy fully discharged in XXXX. Now this report looks like I have a bankruptcy in XXXX thus impacting by credit and ability to borrow money. I also contact XXXX directly because this only reported like this late last year and never showed like this beforehand.
Consumer complaint received 2018-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello .Im filling this complaint concerning my credit bureaus particularly Transunion.I see they have too many inquiries in my credit reports, and some of them come from car dealership.When I called each of them to remove them because I dont buy any car yet only one car dealership I have visited it was XXXX XXXX in XXXX Georgia and I didnt want want them to pull up my credit because I didnt want the Downpayment they offer me.And after I have seen a couple car dealership inquiries in my credit report.I recognize a few of them only concerning XXXX  XXXX I have 1 account with them only, and I have applied officially one card with XXXX XXXX and one with XXXX and I have applied for a mortgage with XXXX XXXXXXXX XXXX XXXX.I see one inquirie from XXXX i dont recognize.Plus the worst thing I noticed that Transunion doesnt care its about the update of my credit score and report they never update it cause is not in their interest.I am just building my credit right now, How I can build my credit if this companies try to put their feet in my financial neck? I m young and managing my credit well.I want them they removed those inquiries and for Transunion update regularly my credit score and report .Thank you very much for your support.Best Regards
Consumer complaint received 2019-02-01
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: EQUIFAX, INC. (NY)

I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ).

It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be force to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.
Consumer complaint received 2019-02-01
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: EQUIFAX, INC. (PA)

I HAVE DISPUTED THE ACCOUNT PAID ACCOUNT WITH PUBLIC SERVICE OF NORTH CAROLINA WITH EQUIFAX HOWEVER EQUIFAX HAS FAILED TO VALIDATE THE INFORMATION AFTER NUMEROUS ATTEMPTS OF REQUEST. 

XXXX IS REPORTING ON MY EQUIFAX CREDIT REPORT THAT THIS ACCOUNT WAS CHARGED OFF AS RESENT AS OF XX/XX/XXXX WHICH IS A COMPLETED LIE. THIS ACCOUNT WAS PAID IN FULL ON XX/XX/XXXX IN THE AMOUNT OF {$30.00}. THERE IS NO WAY THAT IT SHOULD BE REPORTING AS A CHARGE OFF IN XX/XX/XXXX OR ANYTIME BETWEEN XX/XX/XXXX TO XX/XX/XXXX. THIS IS UNFAIR TO ME AS A CONSUMER. I TOOK CARE OF THIS MINOR DEBT HOWEVER XXXX AND EQUIFAX ARE NOT FOLLOWING THE LAWS THAT GOVERN THEM BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THIS IS NOT FAIR AND HAS CAUSED ADDITIONAL DAMAGE TO MY CREDIT MAKING MY CREDIT REPORT LOOK LESS THAN CREDITWORTHY.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Beginning in XX/XX/2018, I was contacted in person by b XXXX XXXX XXXX XXXX. I agreed to have them run my campaign on XX/XX/XXXX and placed a {$1500.00} down payment with my Capitol one Quicksilver card the next dayXX/XX/XXXXXX/XX/XXXX. We were supposed to go live XX/XX/XXXX and have a meeting. XXXX XXXX XXXX, their representative, and owner did not show up and did not return my calls.

On XX/XX/XXXX I called to dispute the charge with Capitol One.

XX/XX/XXXX Capitol one responds that they have heard from the merchant and that the claim was that services were rendered XX/XX/XXXX I contact Capitol one to say that I haven't heard from the merchant and would like to know how they reached them. Customer service rep says that merchant has agreed to refund. 
I don't want to exhaust this issue, but Capitol one Can not give me a consistent wat to send them the information that this was a scam. They keep asking for a cancellation. 
THERE'S NO CANCELLATION BECAUSE THEY TOOK THE MONEY AND RAN CAPITOL ONE! CAN'T ANYONE ON THE LINE UNDERSTAND THAT! 

ANYWAY, I'm seeking relief from XXXX  customer service people at Capitol one who lack the competency to process this scam issue. They see fit to reach out through the scammers bank but can not do anything normal to resolve this for me. 

Please help CFPB
Consumer complaint received 2018-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (MA)

On Saturday, XX/XX/XXXX, I spoke with XXXX XXXX regarding a settlement on my loan. That day we agreed that I would pay {$14000.00} on Tuesday, XX/XX/XXXX. Moments later, the settlement offer was sent to me via XXXX XXXX. I did not sign because the address that was listed on the contract was incorrect. When I asked them to send a new copy, XXXX, promised that I would receive the new copy the morning of the XXXX. 

Today is now the XXXX and the company has refused to send me a new settlement letter. I have called 6 times today, starting from XXXX - XXXX EST. Each time a representative has told me the document would be sent shortly and it is never sent to me. 

The reason for my complaint is that each day that passes, without the payment being made, I will incur more interest/late fee charges. A rep from the company told me that I would pay without receiving the settlement letter. However I refuse to make a payment until I have the document and have signed it. 

All I would like to do is pay my settlement loan and be done with it and for whatever reason they are holding me hostage.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (IA)

About XX/XX/2020, I contacted Capital One about a charge for {$4500.00} on my card which is linked to my XXXX Account. 
The payment was made to a XXXX XXXX, whom I do not know, through my XXXX Account and the transaction ID is : XXXX. The dispute case ID with XXXX is : XXXX. 
XX/XX/2020, Capital One cancelled my credit card and credited the charge of {$4500.00} pending an investigation. 
XX/XX/2020, Capital One issued me a new credit card. 
XX/XX/2020, Capital One sent me two letters that contradict the other : XXXX letter states that the 'fraud investigation is resolved and that I will not be held responsible for fraudulent charges and my {$4500.00} will be refunded to me. ' The other letter contradicts and therefore, advises that Capital One found insufficient evidence of fraud because : activity on the account indicates you opened and interacted with this account. Information we discovered leads us to believe you or another account user benefited from the transactions ... 
About XX/XX/2020, I called Capital One about the conflicting letters printed with the same date of XX/XX/2020. 
I reiterated my dispute of the charge and the customer service representative acknowledged the correspondences mailed to me by Capital One, and she said that 'she could not explain the two letters. ' When I asked to speak to her supervisor, she said that she 'was the only person I would speak with meaning that she was the highest person at Capital One ' -- which I knew was not true. When I told her that I was recording the conversation for my quality assurance, she refused to speak further even as rudely as she had spoken. 
Yet, she told me that I will have to pay.
Consumer complaint received 2018-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.
Consumer complaint received 2023-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I have nust teported less than a week ago the {$1000.00} proof of my bank XXXX XXXX XXXX sending over the funds back to cashapp. Cashapp has now as of today XX/XX/16 sent over the funds but it was now XXXX. I am at XXXX My argument here is the 3 incoming deposits i had after the loss of being negative XXXX made my balance go down lower. After the {$600.00} and {$100.00} and {$4.00} transactions from my balance should have equaled to {$1700.00} dollars. 

Cashapp has only provided the credit from XXXX XXXX XXXX sent over and not adjusted my funds from what was sent as i was NEGATIVE. 

So after them investigating and calculation properly my balance should be {$1700.00} Not {$700.00}
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB, I have been with Bank of America for 13 years, and recently I have been treated unfairly. My Checking account product type was changed without my permission or notice, and I did not receive any disclosures. 

My checking account did not have any fees in the previous years. The first fee showed up on XXXX/XXXX/XXXX in the amount of {$25.00}, I called their customer service line and had the fee reserved and the account product type changed to a lower balance checking account. However, the BOA customer service did not complete the task. I then followed up again in XXXX XXXX, and was notified the account type was changed and the fees would be reversed. Which did not happen ... I followed up in again on XXXX XXXX, and then again in XXXX XXXX, and now today XXXX XXXX. I was promised in XXXX and XXXX XXXX the account type was changed and the fees would be reversed. Which did not happen ... 

I find it distasteful that a Bank of America can change the account type without notifying the consumer, charge fees without a disclosure, drop the ball on multiple occasion in customer service, forcing the customer to follow up constantly regarding the account product type change, and assessing fees that should not be assessed.
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

XXXX has claimed that since early XXXX I had an account with them, that they sent me a phone or XXXX, and that service charges accrued on said account. 
However : 1. I never wanted an account with XXXX.

2. I never received any device ( s ) from XXXX. 
3. I never utilized service with XXXX. 

XXXX has NOT produced ANY evidence to contradict my above 3 assertions. 

Despite their lack of any evidence that I owe them anything, they are now using a 3rd collection agency for this matter and my credit rating has fallen from Excellent to Very Good. 

Why don't they trace the alleged phone ( s ) and service charges accrued to find the perpetrator and solve their problem?
Consumer complaint received 2023-07-24
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (UT)

I have spoken with XXXX on multiple occasions, I have financed several items through XXXX and paid all in full. XXXX has reported many late reports to XXXX despite the payment dates being inaccurate. I have paid all accounts in full and have given XXXX documentation showing the inaccuracies. I am needing help to remove the many negative reports from XXXX company that advertises to consumers that they do not have late penalties yet report despite accounts being paid. 

Rocket mortgage ran a hard credit pull in XXXX of 2023 and in XXXX and XXXX in XXXX of 2023 without my consent and then gave my information to another company. I have attached documentation of this. I have asked the hard pull to be removed and am not being helped with this and need to have it removed to be able to purchase a home for my family. 

I specifically asked Rocket mortgage NOT to do this and still it happened. The company will not work with me to make this right.
Consumer complaint received 2020-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On Sunday XXXX XXXX I was doing a business transaction with a young lady whom I just found out is a fraud and scammed me out of {$95.00} through cash app. Ive tried everything I can with cash app to assist me and help me with getting a refund and also them looking into the account that scammed me but no action has been taken on their end. Cash app told me to request a refund from the person that scammed me and I did but they blocked me from requesting my payment back, cash app is saying they can not give me my money back or issue me a refund and I feel like that is horrible customer service and they need to be shut down, the girl needs to be put into jail, and if they cant get a direct customer service number then they no longer need to be available for use. I am very hurt by this situation of not being able to receive my money and cash app not helping me get my money back. Please help!!
Consumer complaint received 2020-07-29
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. (KS)

Twice in the last month, I've applied for things ( apartment as well as auto loan ) and my approval has been subject to conditional approval of district managers. While I don't have true detail, I was finally able to get one of the parties to tell me that it was due to a report of fraudulent activity from Summer 2019.

I have no idea what they're talking about and was unable to find anything within my Experian, XXXX, and XXXX  credit reports. This feels like a wild goose chase but I'm extremely nervous due to the fact I plan to begin applying for mortgages within the next month or two.

What can I do?