davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My complaint is about Capital One opening the Money Market Account and getting the Bonus.

The details are : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX  ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX, XXXX and entering the promotion code " OFFER500 '', then Capital One will deposit the {$500.00} bonus money into my account within 60 days after completing the above conditions. 

At the beginning of XX/XX/XXXX, I contacted the bank for the {$500.00} bonus which should be paid by the end of XXXX and the manager told me I am not qualified for their promotion.

His reason is the total new money deposited into my MMA is less than {$50000.00} and I have a saving account with their bank before. 

My answers to their concern are : 1. According to their requirement, the cumulative deposits should work on the similar bonuses, and my total deposited amounts are more than {$50000.00}. Meanwhile, the cumulative deposits are always working for Capital one other promotions and for their other clients. 

2. The saving account I have was opened in XXXX with XXXX. After 10 years later, it was transferred into Capital One due to the business changes. I do not open any saving accounts with Capital One directly before. 

Based on all the facts I presented, I think I am qualified for their requirements, and they should deposit {$500.00} into my MMA immediately.
Consumer complaint received 2019-05-21
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the UNAUTHORIZED INQUIRIES listed below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-06-11
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (MD)

XXXX XXXX XXXX Freedom mortage Loan # XXXX XXXX XXXX XXXX XXXX, TX XXXX SS # XXXX XXXX late payments were incurred prior Freedom purchasing loan. I was making monthly payments to prior mortage company funds not relieved on timely basis. These 2 late payments are hindering loan approval for 2nd mortage. Credit burrows reporting is not not accurate. 

Regards, XXXX XXXX
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (SC)

I am making a complaint Security Credit Service that is known as XXXX.I have contact them on several occasion about this collection that they placed on my credit and explained my situation to them that my personal information was comprise and used to open up this account without my consent and knowledge and it could have never happen.They had agree to deleted it from my credit reports which in fact I checked my credit a few months back and the collection was removed and now recently it has been added back and I asked that it be permanent removed because it is affecting my credit and me from being able to get to where I want to be in life and it is not fair from me to have to pay a debt that was not created on my behalf and someone else because the company allowed someone else to use my information to open an account with my consent which is not right to me
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

I have been trying to send certified mail to Midland Credit Management/Midland Funding, proving my position as being judgement proof. My certified mail gets returned as address unknown. You try and look it up and they provide you a PO Box number to send disputes. Certified mail can not go to a PO Box number. This is just another tactic for them to take you into court. 

Why can they get away with not having to prove communication and we as the consumer have to prove our communication with them. 

You go into court and this company has an assembly line of defendants, that can not afford attorneys, and then they pay 3rd party attorneys to handle there court cases so you can not question Midland Credit management/Midland Funding in court. They try and complicate it it as much as they can for the consumer. 

I want a name and address to send my certified mail to and ensure that it is not sent back to me.
Consumer complaint received 2019-05-21
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 12   XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (VA)

I have been a customer with CASH App for several years. I reserved a XXXX for my birthday event last night, XX/XX/24, at XXXX XXXX. I received an alert that my card was declined. So I tried again. No luck. I then logged into my CASH App account, and then I was made aware the account had been closed and the steps that I need to take to retrieve my funds. Meanwhile, my birthday event is going on and I was unable to attend. There was no way to contact anyone, other than clicking the Support button, which is only by email. I STILL have not heard from this company, and I have over {$2500.00} in that account. The app will not allow me to transfer, withdraw, or anything. I have XXXX small children, the holidays coming up, and no access to my funds.
Consumer complaint received 2019-05-21
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX (  Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-05-21
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. (FL)

Please reverse the late payments reported on the following accounts : USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, .The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (IL)

Third complaint - Aargon continues to be non-responsive and obfuscating truth to pacify the XXXX. 

In response to complaint XXXX, Aargon stated over a month ago .... 

" Our office is contacting our client to obtain further information to respond to the consumer directly with to verify the debt, inquire about insurance and whether the account had previously been disputed. This information will be sent the consumer within 30 days or the account will be closed, deleted and returned to our client. " The unvalidated debt still remains on my credit report as of XX/XX/19 and absolutely no correspondence has been received. There is no debt validation. 

In addition, Aargon claimed to XXXX in writing that they sent me some letter on XX/XX/XXXX notifiying me of debt and rights, but it was never received and they refuse to send me a copy, in violation of the Fair Credit Reporting Act. 

The continue to knowinlgyl violation of the law and write obfuscating comments to the CFSB.
Consumer complaint received 2019-05-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Credit Corporation of Jonesboro, iNC. (AR)

auto credit jonesboro - reporting car as repo when my car was stolen in XX/XX/XXXXwhile i was out of state. i contacted them and my insurance company XXXX. my car was found two weeks later when i was contacted it was found i let my insurance company know and left message with finance company every step- of the way what was going on. my insurance company told me they were going to move the car to a storage free place and have it looked at to determine damages. insurance company deemed it total loss. i had full coverage and gap i called left message with finance company. the next thing i got and only thing i received from the finance company was a letter stating they sold my car and that i owe the difference. the fiance company has reported car as repo when the insurance company had the car. i do not owe this and my car wasn't repo if so how did they do this unless the insurance company and finance company did something illegal also the finance company contacted gap got money from them also isn't illegal if a car was repo for a lender to action off without notify owner of when and where such transaction is to happen.
Consumer complaint received 2020-06-11
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$790.00} XXXX {$540.00} USDEPTEDXXXX {$22000.00} DEPREDXXXX {$22000.00} USDEPTEDXXXX {$8500.00} DEPTEDXXXXXXXX {$8500.00} XXXX {$1200.00} XXXX {$8500.00} XXXX {$0.00} XXXX {$20000.00} XXXX {$110000.00}
Consumer complaint received 2019-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I appealed to and disputed a number of fraudulent accounts to the major credit reporting agencies that stemmed from a security breach where I became a victim of identity theft. I disputed the accounts toward the legal grounds of FCRA section 605.b, yet to no avail. I have received no response from any of the aforementioned in regards to this matter.
Consumer complaint received 2020-08-22
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: WELLS FARGO & COMPANY (SC)

I have a loan with WELLS FARGO, XXXX, and XXXX XXXX XXXXXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WELLS FARGO, XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-21
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. (GA)

This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-08-21
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. (FL)

I HAVE REVIEWED MY CREDIT REPORTS AND I HAVE DISCOVERED THAT SOME UNUSUAL ACTIVITY HAS BEEN TAKEN PLACE THAT I WAS VERY UNAWARE OF. THE ACCOUNTS AND INQUIRIES LISTED ON THE ATTACHED IDENTITY THEFT REPORT, DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM REQUESTING AN INVESTIGATION INTO THIS MATTER AND ALSO A TIMELY REMOVAL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES OFF MY OF MY CREDIT FILE.
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (VA)

I have had 4 different collections agencies try to collect on a debt that is not mine and they have reported this debt to my credit reports and each time I have filed a complaint with the Consumer Financial Protection Bureau each time and the agencies removed the collections from my report and then its sold to another. Now Nationwide Recovery Systems as added this debt from XXXX for {$1000.00} to my XXXX credit report, I have never received any bill or statement from Nationwide Recovery Systems or  XXXX. I have spoken with XXXX XXXX and they do not sell their accounts, they further stated that they only your Focus XXXX XXXX   to collect on all of their past due accounts. 

This is not my debt!
Consumer complaint received 2020-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I filed dispute numberXXXX Against Paypal I have a consumer protection office for my account XXXX And their response was that they took my money, which amounted to XXXX dollars, because they felt that I was selling counterfeit products. 
Why did Paypal not notify the police against me because I am selling counterfeit products? 
How does Paypal take money when it admits that it is a crime - and conceals it from the police and investigation authorities. 
Why did Paypal not inform the company that claims that I have counterfeited its products in order for legal measures to be taken against me. 
If I, as Paypal claimed, I sell counterfeit and forged products and this is a crime according to the law - Paypal has committed several crimes for covering up that crime, appropriating the money obtained from it, and investing that money in its projects, which is the crime of money laundering. 
Paypal explicitly acknowledged that the money was obtained from selling counterfeit products - and instead of reporting to the police, they took the money for themselves. 
And US law punishes anyone who learns of a crime and does not initiate to inform the authorities, because he is thus considered a participant in it. 
They also took those money for themselves, claiming that it was to make amends for the damages suffered by them. According to the law, these funds must be handed over to the police authorities until they are investigated with me into those allegations that are deterred by Paypal. 
The Consumer Protection Office must take deterrent measures against PayPal so that they stop seizing the money of depositors under the guise that they are violating the law because that is a crime of extortion The Consumer Protection Office must open my dispute again and open an investigation against Paypal to protect American companies that people imitate their products and Paypal in the end seizes the proceeds of the sale without informing the police, which affects the American economy
Consumer complaint received 2020-08-21
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-21
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. (VA)

On XX/XX/2020 I have contacted XXXX, XXXX, and Experian to let them know that the addresses on my report were not mine. They stated they could not fix that for me at this time. Also, Inquiries that were on both my reports I had explained to them I do not have any accounts with them and that I never gave the people permission to use my information. They again stated to contact the companies to have them removed. I had contacted the companies and no information is in their system to show I have any account with them. Also, with XXXX  my name for under known alias is wrong and for my middle name they put XXXX instead of it being an XXXX. I have already filed a complaint with the Federal Trade Commission too.
Consumer complaint received 2020-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2020 I placed an order with a company then doing business as XXXX. The order was for a puzzle and I paid {$40.00} using PayPal. My complaint is againt PayPal for their handling of my grievance against the seller. 

On XX/XX/XXXX I received a puzzle but it was the wrong puzzle. I had ordered a puzzle showing US postage stamps. I notified the company immediately. They did not respond so I followed up via email. The second time I got a response asking me for a photo of the shipping label and the box I received. I sent both. Over the next several weeks I went back and forth with this company several times. They admitted their mistake, The offered me a fraction of what I had paid. A copy of the email chain is attached. 

On XX/XX/XXXX I filed a request with PayPal for a refund. I supplied PayPal with all of the above information. The request was identified as " item not received. '' After communicating with the seller, PayPal rejected my claim. I convinced them to re-open it under " item not as described. '' Here are the details : Case ID : XXXX Seller information XXXX Transaction amount {$40.00} USD Transaction ID XXXX Shipping address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX United States Invoice ID XXXX PayPal has now reported to me twice that they have gone back to the seller asking for more information. They do not share this information - what they are asking for or what they are receiving - with me. In the first case, PayPal wanted to know if I would settle for half of the refund I was requesting. 

Further, PayPal has on two occasions told me I can expect resolution by a specific date - but those dates have come and gone. I also attempted to escalate my concerns with PayPal via their XXXX page. They directed me to send a private message. I did but then had to wait XXXX days for this response : " Hello XXXX, we apologize for any inconvenience we course. 
Share your account info so we take a closer look into your issue. 
Thank you -XXXX  XXXX I had already given them my email address ( account info ) but replied to this message with the information again. That is the last they have responded ( a week ago ). 

For reference, I am also attaching a sampling of the messages I have received from PayPal on this matter. 

I believe PayPal is simply stonewalling me and in the process is aiding and abetting a fraudulent company. When I look at the PayPal XXXX page, it is flooded with similar complaints. PayPal should not be advertising that they protect consumers when they obviously do not. While I am still hopeful that PayPal might eventually do the right thing and refund my money, I am hoping I can get to that resolution faster - and maybe help protect others in the future - by filing this complaint with the Consumer Finance Protection Bureau. Thank you.