davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-23
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 (CA)

My GM credit card showed {$49.00} on XX/XX/XXXX to pay XXXX member ship payment for my husband, he never gave permission to XXXX insurance company to charge his credit card. I gave permission for them to charge my member ship several years ago and my GM card was changed several times. I called GM card credit company which is capital one, they won, t dispute the charge so I went to XXXX insurance co.office in XXXX and told them not to charge to my credit card any more and told them I will pay with my checking account, .they told me that it is already charged so we will take off for automatic charge and the clerk took off automatic charge. The membership due was XX/XX/XXXX.
Consumer complaint received 2017-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this card was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address.
Consumer complaint received 2017-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

I contacted midland funding in reference to this account. I requested validation for this account I never received it. I also have no contract with XXXX XXXX for this alleged debt. I called them and the representative stated that she could n't speak with me because this account was marked that I had a social security lawyer. I advised her I never said I had a social security lawyer. She refused to speak with me concerning my request for validation. I never received anything from XXXX XXXX in regards to this account. This was a XXXX XXXX account and the information that I received from XXXX XXXX does n't have XXXX XXXX anywhere on it. I did n't find out about this being on my credit file until I check to see what was on my report.
Consumer complaint received 2017-09-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

We arranged a settlement with a mortgage company through Senator XXXX XXXX and the CFPB. It was approved by a court. We did what we were supposed to do and so did the mortgage company. We received our payment in two checks and immediately deposited them through our mobile app for CITIZENS BANK. The money showed as a partial availability of {$400.00} for the two checks on Monday. The remainder would n't be available for another day. This is what we were expecting. Based on that, we made arrangements for part of the partial availability money to be paid out come Monday. The next day, Citizens Bank changed their minds and wo n't make any money available to us until XXXX XXXX. The teller that I spoke to only said they needed to verify they were going to actually get money. She said I was getting none of my money next week. She refused to put me in touch with her supervisors because it was the weekend and would " inconvenience '' them. She said she did not care that I have no food, medications, or other necessities to live without that money.
Consumer complaint received 2017-10-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CO)

I ordered some merchandise and it was lost.Was paid for on XXXX XXXX, 2017 from XXXX XXXX For XXXX .Instead of reversing the charge on XXXX XXXX She sent me the money like she was buying something from me so instead of going back onto my card it went into a paypal account .After I realized I was unable to withdraw the money out of the PayPal account because they have limits on how much you can withdraw.I called PayPal and they told me to return that money and ask her to reverse the Chargers. On XXXX XXXX I sent her payment back and asked if see could please reverse the payment on th initial charge so it would go back onto my card I paid with because I was unable to get the money the way she sent it. Lesson learned you cant trust people
Consumer complaint received 2017-10-31
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. (FL)

This is a complaint against XXXX XXXX INQUIRY DATE : XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2017 Amount of Interest Charged= {$27.00}. No Action taken by Credit Card company. 

My XXXX XXXX XXXX Card was paid in full and Credit Card company not willing to credit excess or fore say extra interest on my account. They just assumed this is the way to make money and did not offer any courtesy credit for loyal customers paying off there credit cards. Very deceiving as I thought paying off my credit card means XXXX balance.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

>>CONSUMER COMPLAINT <<<

                                        

              EXPERIAN CONSUMER ASSITANCE SPECIAL SERVICES (CASS)

Dear CFPB:

        Pursuant to USC Title XV Consumer Protection Act 1681 the Fair Credit Reporting Act and the laws of Connecticut. Experian failed to check the veracity and accuracy of information before reported recklessly and intentionally failed to conduct data quality test and use reasonable care in the course of doing business. Violating the Fair Credit Reporting Act Title 6, Section 607 (b). failing to follow reasonable procedures and run data quality control checks on consumers file particularly accounts listed as XXXX, XXXX XXXX.

        EXPERIAN performed its obligations in a willfully, reckless and illegal fashion in violation of the Act and failure to maintain reasonable procedures and conduct validity and accuracy data quality checks to avoid violations of 605 of the Fair Credit Reporting Act and Fair and willfully ignoring provisions of the Fair and Accurate Transactions Act.

        EXPERIAN knowing the conduct of there business supervised, monitored and further communicated credit account information to creditors, redacted account history on numerous student loan accounts after consumer disputed inaccurate address information supplied by creditor, and placed additional disputed accounts in certain codes to not allow consumer to further dispute online without contacting EXPERIANS consumer assistance special services division (CASS), a legal division in their dispute center. Experian willfully placed consumer file in a department who was hostile to consumer. Consumer alleges unscrupulous activity by their consumer assistance special services representatives, acted in concert and joint venture with others at EXPERIAN to retain inaccurate account and data information, status and caused further pollution into consumer credit file and periodic damage to XXXX and XXXX scores.

        Experian manipulated information, intentionally communicated false information, altered changed and entered codes un-rating accounts, entering false negative account history, and deleted XXXX credit card and then removing such adverse data unknowingly by consumer.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXX Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXX , IN XXXX
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

Equifax handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell it ....
Consumer complaint received 2017-09-22
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. (NY)

On Sunday, XX/XX/XXXX- I tried to order the XXXX XXXX fight via XXXX XXXX. It was a world wide problem with streaming services and fight, they literally delayed the fight because so many could not watch it. I tried to order on XXXX and it never gave me the option to watch the fight - only to keep renting it. I was on the phone for 45 minutes on hold with XXXX tech support, never reaching anyone ( which they acknowledged since high volume that night ) I gave up. 

I find out that i was charged for the fight. I contact XXXX and they say they are not offering refunds on XXXX and to dispute it with my bank. I dispute the charge with Citi, under advisement from XXXX themselves. Citi sides with XXXX and will not be refunding me. Neither party can answer how I was charged for a service that could not be delivered and neither party will be giving me my money back.
Consumer complaint received 2017-09-23
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: EQUIFAX, INC. (NE)

My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TXXXXX-XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2017-11-01
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. (NC)

Thes inquiries i did not authorize on have knowledge of my transunion credit report need to be deleted. XXXX XXXX on XXXX17, XXXX XXXX on XXXX17, XXXX/XXXX on XXXX-17,  XXXX/XXXX  on XXXX17, and XXXX XXXX on XXXX-17.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Consumer complaint received 2017-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

I received my county tax bill and faxed it twice and emailed it twice to the company because they never got the ones i sent. Finally they " received '' it XXXX they say even though i sent it before. It shows that i am being overtaxed a substantial amount. The first two reps i spoke with said they would request an escrow analysis and a tax analysis and not to worry i would get the refund and a lower payment. They currently have XXXX in escrow after they paid my county taxes that i have requested be sent to me. I waited two weeks and did not hear anything. I called back and was told it was never requested and they were so sorry etc. I requested a manager at that point. Her name was XXXX. She seemed knowledgeable enough and like she wanted to help. She said she escalated the issue and it would take 7 days to complete at the most but should take 3 because she escalated. She even gave me her direct line. Well i waited 3 days and called XXXX  and left several voicemails to which she never replied or called back nothing. She never answered her phone either. So at that point the next rep i spoke did not have a clue as to what i was asking or talking about so i requested a new manager. I received a manager by the name of XXXX XXXX who SWORE to stick with me and get this fixed and that I would n't have to make my XXXX payment until this was resolved and assured me he put all late fees on hold and i would hear from him by XXXX. Well it is XXXX and i have called every day since XXXX and hes always busy. In fact whenever I ask for any manager they are all to busy to talk to me. Every single rep i speak to gives me a different answer. This last one told me on no i wo n't receive a refund of my escrow until XXXX because in her words these things take time and that I would in fact have to keep making my overstated payment until them. I of course let her know that is not what the managers are telling me and requested to speak to another one. She REFUSED to give me a manager instead told me again they are all just so busy and she can assure me her answer is accurate so at that point i hung up. This company is a joke. I had no choice in who they sold my mortgage too and i ca n't get any assistance. I am being over taxed. I want my overage in escrow refunded to me. I have XXXX kids and could use that money. No one there seems to care or know what the heck is going on. I get different answers every single time i call. To date no one has called me back.
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (FL)

Rgs financial sent me a letter stating that i owed them {$210.00} dollars on an account from XXXX XXXX. I have disputed this debt directly with rgs financial as well as contacting the original creditor ( XXXX ). XXXX states that i have a XXXX balance with them and do not owe any money. XXXX is still continuing to collect on an account that i do not owe.
Consumer complaint received 2024-08-17
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: WELLS FARGO & COMPANY (OR)

I have a hard inquiry on my XXXX credit report on XX/XX/XXXX. I never had any type of credit pulled in XX/XX/XXXX. They used an old address of mine from over 10 years ago that is a different state that I currently live in when doing the pull. They state they are Wells Fargo Card Serv, XXXX XXXX XXXX, XXXX XXXX, IA XXXX. Phone XXXX. I called this number, and it is definitely some type of scam asking me if I'm age XXXX or older and such... then a recording about some XXXX XXXX XXXX XXXX. 

This is very concerning as it was a hard pull on my credit report using information on me from over XXXX years ago - old address.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (FL)

I received a letter in XXXX saying I owed PAYPAL XXXX. After receiving letter, I attempted to login into my PayPal which was now locked out. I called PayPal who transferred me to a 3rd party collector XXXX XXXX XXXX XXXX. After finally getting a hold of an agent with above mentioned company I asked what the debt was for, and she had no information just the amount and asked me to pay said amount. Since then, I haven't received any other correspondence in regard to said Debt, so I called PayPal again and they transferred me to the same company which gave me the same answer. Both times there was a language barrier as the collection agency seems to be a call center at this point, I'm not sure if it's a scam or if there's an actual debt to PayPal. I have a limit on my PayPal card and have received statements for from PayPal for my credit card and no showing of this debt. and without access to PayPal, I'm not sure what the XXXX is for or how i incurred this Debt and no way to dispute the debt either.
Consumer complaint received 2022-10-28
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. (MD)

XXXX XXXX is not providing update information to my credit report. XXXX XXXX shows a different balance on website than on credit report as well as payment history is not updated. I have previously dispute this item with the credit bureaus with no assistance, information is coming back verified each dispute. diverse which is showing in my credit report has no information on my credit file.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (FL)

I have repeatedly tried to solve this problem in my own. A XXXX balance continues to be reported to XXXX and XXXX. It was disputed many times. Diversified Consultants says they have submitted updates to XXXX and XXXX that the account has been paid in full. XXXX and XXXX continues report that they have verified XXXX as the correct balance when it is n't.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

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 2017-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (CA)

I opened up an account with simple bank on XXXX/XXXX/XXXX. I then need to update my address on XXXX/XXXX/XXXX. They asked for a selfie with my address behind me, which I gave them, then a photo with me holding my id and my address behind me, which I gave them, and this was exactly what there " options '' stated to give them to verify my residence. They then send me an email stating sorry bu we need more like a utility bill and a photo of my actual house. I told them I do not get bills in the mail everything is electronic and why would you need a photo of my house that is an invasion of privacy. They then stated that they could not confirm my new address even though my selfie with my address behind me matches my id photo I sent them, but that was n't good enough for them. So I then told them I want to close my account and they confirmed that on XXXX/XXXX/XXXX that my account would be closed. I then waited 3 weeks to find my account was still active and not closed at all. So once again I contacted customer service and they then returned to me that oh we ca n't close your account until we confirm your address. So for a week a went back and forth with them on how I followed all their regulations on how to confirm the address and even quoted there document on how to confirm an address where it stated on option 1, to take a selfie  with just your address behind you. The representative then replied saying oh I guess we need to update our regulations on our address confirmation and we still wo n't confirm your address. They literally decided to make up and change their own rules and regulations on me whenever they felt like it. So now I know they are pulling my string to take my identity because they have all my information and even selfie of me. It is wrong what they are doing and what bank needs a confirmation of a new address to close an account. They did n't even need to confirm my original address but they wanted to confirm my new address. My last conversation with them was on XXXX/XXXX/XXXX with them still refusing and I have kept all messages with customer service as proof even stating how they basically changed the regulations on me on their own accord. That is discrimination. I have reported them to the federal reserve and the federal reserve has stated they have now forward the report to the CFPB. Please help as I do not trust these liars as they are potentially taking many consumers identity.