davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
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 (CA)

I made payments to my Capital One account in XX/XX/XXXX through my mobile app. The XX/XX/XXXX Bill ( statement ) had a due date of XX/XX/XXXX. The Card was paid on the XX/XX/XXXX and the XX/XX/XXXX. My credit reports that XX/XX/XXXX was late. I wanted it removed by going through Capital One and disputing it. Capital One has yet to resolve this matter and its been on ongoing struggle with them. This is the only blemish on my credit holding up my VA loan approval for my families first home. 

It appears that they probably misapplied one of my payments and are having a hard time fixing it. I have a letter dated XX/XX/XXXX which stated to please allow 15 days plus another 10 for mailing? That puts us at XX/XX/XXXX max to investigate and up to 10 days to mail. Should have received this by now, and a resolution.
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I made an international bank transfer from my XXXX bank ( XXXX XXXX ) to Coinbase Inc ( XXXX company ) for the sum of XXXX Euros on Sunday XXXX XXXX XXXX. My bank released the funds on XXXX XXXX ( due to the holidays ) and Coinbase should have credited my account within 24-48 hours. I have still not received this transfer and I contacted Coinbase support team ( online ) on Thursday XXXX XXXX XXXX and on XXXX XXXX XXXX to raise this issue but they have not responded at all to my requests. Their telephone support system was also not accessible. They did however gave me a case reference number # XXXX. 
If you can help to sort this matter out I would be very grateful. 
Many thanks
Consumer complaint received 2018-01-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: RockLoans Holdings LLC (MI)

I filed out a personal loan application for $XXXX.  I completed all of the documents onXX/XX/XXXX.  At XXXX XXXX this morning I was given a call by XXXX XXXX telling me that my application was complete and all I needed to do was sign the promisary note before XXXX XXXX and I would have the money by XXXX XXXX.  I got off the phone and logged in to complete the requested document.  Upon me logging in and clicking continue I was given a denial letter.  I called back and asked them to explain how I went from approved and receiving the money by XXXX XXXX to being denied.  Nothing had changed in my credit report.  I was told well until you hit continue we don't really know if your approved until we run a hard credit report.  Then why is an employee on a recorded line telling me I was approved and would have money by XXXX XXXX.
Consumer complaint received 2018-01-03
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: ENCORE CAPITAL GROUP INC. (ME)

This company fraudulantly posted a collections account on all three of my credit reports. I do not who this company is, and, did not give them ANY permission, nor did they aquire my signature to post information on my credit report. Under The Fair Credit Debt Pactices Act, and, The Fair Credit Reporting Act. This is fraud.
Consumer complaint received 2020-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

Regarding a debt that Commonwealth Financial alleges that I owe for {$660.00} from what they indicate on their invoice is from XX/XX/2015. They have not provided any evidence that I owe this from the original creditor and have also re-aged this debt so that it seems like it is a more current debt. 

FCRA Section 605 ( c ) makes it illegal for creditors, collection agencies, or credit bureaus to " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. In my last complaint the company responded saying that they do not " Re-age '' debt, however the dates of reporting input by the Commonwealth Financial still show the debt as newer than the original date. 

FCRA Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This means that if a debt collector reports a date of first delinquency to the credit bureaus and the original creditor previously reported it, the dates must be the same date of first delinquency. Any different date constitutes illegal re-aging. information on your account longer. 

Furthermore the age of this alleged debt is past the State of California statute of limitations regarding credit debt which is 4 years. Also the creditor is obligated to provide proof that they own the debt or has been assigned the debt and provide a copy of a statement from the original creditor along with a payment history from the original creditor. I want this false and illegal reporting removed from my credit report.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I paid my balance on my Citibank Shop your way credit card in full on XX/XX/2020. The entire balance was paid ON time on the due date of XX/XX/2020.. I received my next statement from the credit card company with an interest charge of {$10.00}. I called customer service on XX/XX/2020 and they said that they would credit the account for the interest of {$10.00}. They did not credit the account as promised. At that point I cancelled the credit card. 

The card was cancelled, but the credit that was promised was not issued and interest has continued to be charged on the interest that they had promised that they would credit. 

I called on XX/XX/2020 to try to get it taken care of. They transferred me 5 times and I spoke to 6 people over 47 minutes. The call was disconnected in another transfer.
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

All XXXX credit reporting bureaus are forcing people to pay for a monthly service of so-called " credit monitoring '' if you want your score. That is fraud. I ought to be able to just pay once for my score. 
And if you can figure out how to stop letting the XXXX credit reporting bureaus to STOP sending people in circles so we can get our scores -- JUST our scores -- let me know. I have called XXXX, Equifax and XXXX, gone to each website and followed the prompts to get the credit score and they EXTORT PEOPLE into buying a monthly services of " monitoring '' and if you do n't want that and just want the score, they make you pay for the REPORT AND SCORE then send you in circles on phone prompts that end up with an address for the credit report -- not the score. 
Try it yourself. 
Start with this : XXXX/You can hit each link for each credit reporting agency and it ends all the same. They do not want to let you pay once for the score, they want to hit you up with monthly fees. 
I do n't need my report. I have them. 
They also continue to put back inaccurate information that they deleted, but put back after I get off the phone with the person in the security department. 
What are you doing? The people who deal with credit bureaus are truly afraid of them, as this is the only part of this agency that ca n't seem to get anything done to help consumers. 
Also, I ca n't afford to pay {$58.00} for a fico score, which is what I really want. 
That is absurd.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/21, I purchased online from XXXX XXXX XXXX using PayPal to pay in the amount of {$48.00}. The website appeared to be XXXX XXXX outlet clothing but is XXXX scam/counterfeit site, one of many this company advertises on XXXX. I did not receive an order acknowledgment from the vendor directly but learned from PayPal 's email of the transaction that the company 's name is XXXX. My VISA has been charged by PayPal on XX/XX/21. I attempted to contact the vendor but they have no phone number, nor customer service number or email to contact them. The vendor 's website contact form does not work. I suspected from the email that they were a scam site and called PayPal customer service immediately on XX/XX/21 to stop the transaction. I also contacted the real XXXX XXXX via XXXX and they confirmed that the XXXX is not theirs. PayPal 's customer service representative indicated that because the transaction had already gone through, they had no way of knowing that it was a counterfeit site and I had to file a dispute online. On XX/XX/XXXX I immediately went to my PayPal account and filed CASE ID XXXX through PayPal 's online resolution center to dispute the transaction. I considered the transaction unauthorized because PayPal did not give me other options to check. According to PayPal 's Buyer Protection plan advertised on their website, I had 180 days to let them know if the item is defective or counterfeit. I received an email on XXXX at XXXX XXXX EST indicating that my dispute case had been denied and filed an appeal. On XXXX, I received another email from XXXX indicating that my appeal had been refused. PayPal is not honoring their advertised buyer protection ( paypal.com/ph/webapps/mpp/paypal-buyer-protection ) and by honoring these transactions is actively encouraging sale of counterfeit items and fraudulent credit card charges to consumers. I have contacted my VISA company to dispute the transaction in the hope that they can research the problem accurately and reverse this transaction. I have also contacted the Attorney General 's Office in my state to file a similar complaint. Consumers should have some protection from e-commerce fraud and this company should be investigated by the FBI as well for their illegitimate/counterfeit websites.
Consumer complaint received 2020-05-06
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. (FL)

I HAVE HAD THE TIME TO REVIEW MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE AND WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION GOT IN THE HANDS OF THE WRONG PERSON AND THAT PERSON WAS ABLE TO OBTAIN THESE ACCOUNTS USING MY IDENTITY BECAUSE THEY HAD MY INFORMATION. THIS SITUATION IS BEYOND ME AND IT IS CAUSING ME A GREAT DEED OF STRESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am seeking your assistance regarding the incorrect information reported on my credit report. This issue has caused significant harm to my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a dire situation, and the false information has severely impacted my reputation. It is imperative that these errors are removed so I can peacefully live with my family.
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

I have been trying to get more information regarding my credit card with Macy. I noticed that after months of payments where I was paying well above the minimum balance my debt was not decreasing. I contacted Macy to get proof of payments or a chart with my payment history. They did not comply, So i followed up once more and got the run around with them so i stopped paying the card in XX/XX/2019. They began to charge me late fees and have closed the account. I attached proof of my payments here to show the dollar amount that I was paying. Something they refused to present to me. I have no issues paying my debt, but I felt I was being taken advantage of by Macy 's here. I've attached statements from my bank account showing over {$1100.00} of payments that I made. The only reason I stopped paying was due to the lack of communication I got from them as they could show me where my payments were going, and I felt I was being taken advantage of..
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2020-05-07
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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XX/XX/2019 XXXX XXXX, REPORTED ACCOUNT ABUSE on ChexSystems. I had direct deposit every other Friday  on my account. The night before my deposits would hit they would access charges on the account. I have called them and they did credit some moneys back but it would continue to happen and no one in the bank could figure out what was going on with my account. I soon had to close it and get another account at another bank so that I would not keep getting those unknown charges accessed on my account. I then received an CLOSURE STATUS WITH A BALANCE OF {$330.00} THAT HAS BEEN ACCESSED ON ME. No one in the bank would try to explain to me where these charges are coming from. I would like this dispute reviewed and this be taken off the ChexSystems.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Called and requested to take a better look and please delete it someone is using my information We will look into it Weeks later called back and said to go another route to getting it off my credit Reached out to IRS and received a PIN yearly!! 
Reached out to identity theft and working on freezing my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 6+ more
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (AL)

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 2021-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Hi Someone hacked my Chase Bank Account and did 31 wire transfers. Everytime, I usually do a wire transfer, I get a phone call with a 6 digit code chase provides. The fraudster was able to bypass this and run 31 transactions. Chase never called me to even ask are these activites fraud?? each transaction is 2 days apart. I never do this many transactions. They stole over {$120000.00} and Chase is not giving my money back. 

I called them and it took them over 1 month to have someone help me set up a special log in procedure. No service has been done by Chase. It is over 2 months I have put in this claim and still no money back.
Consumer complaint received 2020-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-03-12
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: CITIBANK, N.A. (TX)

I do not agree with Citi Card 's merchant favor dispute decision and am filing a complaint. I would like Citi 's decision reversed and credit {$300.00} back to my card. 

I purchased {$300.00} XXXX card from XXXX 's website for my mother-in-law 's birthday on XX/XX/XXXX. However, after receiving the XXXX card through email, I noticed the gift card was not valid to use on Friday, Saturday, or any holidays. So, on the same afternoon that I purchased the gift card, I tried to cancel this transaction immediately by calling XXXX restaurant ( the number on the website where I purchased the gift card ), however, they informed me that they don't handle online XXXX purchases. This is done through a third company. The restaurant manager stated they have no way of communicating with them. She suggested I cancel the transaction or dispute charge with Citi Card. I followed her advice and started the dispute with Citi. I provided them with all information and documentation, and on XX/XX/XXXX, they resolved and closed this case in favor of the merchant. I have no idea why Citi sided with the merchant. I did not use the gift card, and there was no way of contacting the gift card issuer or returning the gift card. The virtual gift cards were emailed to me, and the sender 's email address is XXXX. These noreply email addresses are not monitored, and it's useless to reply back. 

I would greatly appreciate CFPB 's help in getting {$300.00} credit back to my Citi card.
Consumer complaint received 2015-09-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (OH)

XX/XX/XXXX I took out a car loan from a local car dealer, and was toldthat it was simple interest with no prepayment. To my surprise afterwards, and my fault for not reading the entire contract, there was a prepayment penaltySo with that said, I have prepaid the loan to {$.00}, but I am now gettingharassing phone calls from USBank telling me I am past due even though it isnot due XX/XX/XXXX. I have spokento more than a dozen USB representatives, trying to explain that I haveprepaid it, they acknowledge it, and even sometimes even embarrassed. Theyexplain, that there computer system can not handle the prepayment, andthat they will continue to call me. They state the only way that they will stop isif I pay the prepayment fee, which is not owed. How do I get USBank tostop the harassing phone calls?
Consumer complaint received 2020-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2020 someone in XXXX, New York tried to withdrawal {$3000.00} out of my bank account and was stopped by the branch manager at Chase. They went to a second branch and were able to withdrawal the full amount ( split over two transactions to not require a manager override ), leaving my account with less than {$50.00}. I called that day and filed a claim and was told that I would be totally taken care of in 5 business days. I called for more information on the 4th day and was told that now it could take 90 days, that 5 days was just a guideline, that there's no information on the account and that no one is able to make an outbound call to update me. In the meantime I don't have access to my paycheck or my money. The Chase manager at the offending branch said that they did everything right, which can not be the case. We live in Ohio, there are no transactions that occur anywhere near New York. I would like some assistance getting this resolved please.