davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX and equifax and XXXX collections The balance amount XXXX sent to Equifax and XXXX is incorrect XXXX Correct amount is XXXX See attached proof Trsnsuion snd Equifax refused to acknowledge my including my report from my insurance company XXXX copy attached Also the copy from original creditor XXXX XXXX XXXX shows correct amount owed to them All this information is being ignored
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

I had got XXXX deposited into my robinhood account. I was able to XXXX XXXX XXXX then I tried to remove XXXX into my actual real banks savings account and they rejected it and have withheld my funds. Saying the money isnt mine because they cant confirm. Ive sent bank statements, Id, social security. They have no reason to close my count and hold my funds for no apparent reason. Ive requested calls from customer support and nothing.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (PA)

I have been filing disputes with my bank and Navy Federal has been taleing 90 days to complete my dispute or not giving me provisional credit, I have been Holiday shopping and I made a purchase on XXXX and sent two returns. XXXX, said they needed to verify me and to upload a state drivers license which I completed. XXXX said they would send me my refund within 3-5 business days since XXXX XXXX  its now XXXX XXXX and I still haven't received my refund. I contacted Navy Federal Credit Union who is my banker to dispute this case and get my money back. I have been denied a provisional credit and Navy Federal hasn't requested any additional information that they need. I can not wait 90 days until this dispute because I need access to my funds to pay my bills.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 


XXXXXXXX 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
Consumer complaint received 2020-11-15
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: ARVEST BANK GROUP, INC. (CA)

On XX/XX/XXXX I submitted a dispute for inaccurate payment history from Arvest Central Mortgage. Arvest reported my XX/XX/XXXX payment as 30 days late ; however, this mortgage was paid off on XX/XX/XXXX. I submitted a document showing the payment record from Arvest to XXXX, and disputed this with the company directly. Both Arvest and XXXX  have refused to remove this inaccurate information from my credit report.
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Hi, Recently I made a purchase, using my linked Capital One Platinum Credit Card, via XXXX to a Seller in XXXX. The Seller was charged approx. {$50.00} USD for the transaction. I was then charged a {$30.00} Cash Advance Fee & {$4.00} in interst charges in conjunction with the Cash Advance Fee. The transaction was also listed as a Cash Advance, which lead to a higher interest rate. i was never notified of these charges, prior to the transaction. I have used this same Credit Card through a linked account with Paypal & never had the transaction charged as a Cash Advance. I would ask Capital One please refund the {$30.00} Cash Advance Fee, {$4.00} Cash Advance Interest & have the transaction listed as a Purchase, rather than a Cash Advance. Thank You. 
XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I filed a dispute because I was a victim of identity fraud, an investigation took placed with XXXX XXXXXXXX XXXX  XXXX, and it was decided that I was indeed a victim. The company XXXX contacted me through an email and inform me that fraud did indeed take place in my case, and that they have informed all three credit bureaus to delete this negative account off of my credit report ( letter is enclosed ). I contacted all three credit bureaus concerning this deletion, but to no avail. I need help to get this account removed so I can apply for a loan to buy a house for me and my family... thank you in advance for your help
Consumer complaint received 2020-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX Capitol One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

To Wells Fargo XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX compromised and closed. 
XXXX XXXX XXXXXXXX Fraud Loss Case Claim # XXXX Case # provided by XXXX XXXX To whom it may concern, We received notification that we are unable to reimburse you and have closed your claim via letter on XX/XX/XXXX. 
We respectfully request that the claim for reimbursement of the loss of {$23000.00} be re-opened for the following reasons : 1. We have been set up with 2 factor verification for our Wells Accounts since XX/XX/XXXX XXXX ; this was done to secure our Wells Bank accounts, which had been compromised at that time. 
a. At no time did we receive nor provide the verification code to the third parties who orchestrated the illegal wire transfer. 
b. Furthermore, we did not provide our Account # XXXX, routing numbers, nor Username and passwords to access our Accounts, to any third parties. 
XXXX. Upon reporting the matter to your fraud agent on XX/XX/XXXX ( XXXX ) and in multiple subsequent conversations we are assured that that loss associated with this account would be reimbursed ; however, we were advised upon reporting the matter to your Fraud agents, that all other accounts should they be comprised in the future, would be our responsibility.

a. In our calls to Wells fraud agents to XXXX on XX/XX/XXXX, and to XXXX XX/XX/XXXX ( XXXX and XXXX XXXX we were assured the claim was being processed and would take XXXX days. 
b. At no time were we informed that we would not be reimbursed for the loss nor did any of the agents refer to any policy that would preclude the reimbursement. 
XXXX. In speaking with our Banker ( XXXX XXXX ) on XXXX XXXX we learned that despite our call to Wells Fargo XXXX XX/XX/XXXX to report this matter, your records indicate that the transfer did not complete until XX/XX/XXXX. 
XXXX. This theft was reported to XXXX XXXX Police, and they have opened an investigation into this theft. 
Please confirm that the case is re-opened for your review and resolution. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KS)

I have Mohela as my student loan server. I was given a monthly payment of just over {$8.00} due to my IDR. I was also given a payment of {$340.00}, I have contacted them several times due to inconsistencies. I was approved for my IDR and given the low payment only to be emailed my higher payment is due. I have emails from them showing the different amounts. I am EXHAUSTED from dealing with this company. I emailed them AGAIN last night, however every time I log on my payment is different. Their emails show different amounts. Who do I contact to deal with this? 

Thank you, XXXX XXXX
Consumer complaint received 2020-12-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Card Acquisitions Group (TX)

A guy by the name of XXXX XXXX at XXXX keeps calling my cell and just now called my place of employment. I don't know what company he is with but said it is about a XXXX payday loan and they are going to garnish my wages. I know he can't do that without a court order and he is now harrassing me.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

On XXXX  there was a verified update to my credit report. there was nothing changed as i informed them that there was inaccurate information on my credit report. the following items should not be reporting on my credit report. 
if this account is truly a Charge Off than there should be no past due balance and there should be a monthly Charge Off being reported on my credit report. there should be No continue update the last update was XX/XX/2023. i am requesting the Method of Verification For the following dispute ( XXXX # XXXX 1. Name of the Original Creditor 2. Creditor address and phone number 3. Documentation used to verify the dispute. 
I ask that XXXX XXXX, XXXX and Equifax send to me the following information I know that the investigation was in fact conducted properly. If the credit agencies are unable to forward a response in a timely matter and/or provide XXXX XXXX with the document i am requesting immediately delete the account from my credit report. The three credit agencies has violated my rights under The FCRA
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (NJ)

CHARTER COMMUNICATIONS keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to THE CBE GROUP INC-FORMER.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-11-16
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: Experian Information Solutions Inc. (NJ)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

XXXX, XX/XX/XXXXXXXX  Via Certified Mail Equifax Information Services, LLC. 
XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX : Inaccurate Residential Address Listings - Equifax Willful Noncompliance to Correct Issue To Whom It May Concern : On Thursday, XXXX XXXX, XXXX, delivered to your office was my initial certified plea to remove the incorrect residential addresses that appear on my Equifax ( EQ ) credit report. Yet, concerning I never received a Notice of Results of Reinvestigation. Consequently, on Thursday, XXXX XXXX, XXXX, you received a second appeal asking that the inaccuracies be corrected. And, appropriately the response dated XXXX XXXX, XXXX, reflected that 6 out of the initial 10 listings had been expunged. 

However, upon reviewing my XXXX XXXX, XXXX, EQ consumer history, there are once again 10 erroneous entries, of which six ( 6 ) have the same XX/XX/XXXX, Date Reported ; which is noticeably wrong, as I couldnt have lived in 6 different places at the same time. 

Therefore, because this is my third ( 3rd ) correspondence asking that you uphold your legal obligation under the Fair Credit Reporting Act ( FCRA ) to report complete, and accurate information, I have also escalated this matter to the respective agencies that appear in the CC portion of this letter. 

Hence, to reiterate, as noted on the enclosed infile pages, ALL mentions that are labeled INCORRECT are misstatements, as I NEVER LIVED AT ANY OF THESE ADDRESSES ; and per the FCRA should be deleted. 

Finally, failure to provide such validation may abridge such rights. However, erasing the highly questionable credit bureau reporting, and furnishing me with a corrected consumer file, as a result of the reinvestigation4 will be acceptable in lieu of further legal action. 

In conclusion, I want to thank you once again, in advance for upholding the letter and spirit of applicable statutes.
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NV)

Paypal holds cryptocurrency of a extremely large amount that the refuse to acknowledge is on their platform. I can provide not only receipts of the transfer of funds to the account but also proof of the amount in which should be reflected. The account was hacked and the money was moved without permission. When reaching out to them the say there is no way for them to repair the situation because they refuse to acknowledge the funds and receipts.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (TX)

My account has been closed since XX/XX/XXXX. The last payment made was XX/XX/XXXX. The company has reported recent missed payments for the month of XXXX and XXXX of this year ( XXXX ). After months of disputing and sending fax and mail and all the requested documents, the problem is still there. Ive spoken to over XXXX different supervisors and not XXXX of them are able to help me. They keep saying that the " back office '' is who handles credit reporting and the only way to contact them is through fax. Every month since XX/XX/XXXX, the " back office '' or First progress correspondence team has promised that id have to wait until the XXXX for this account to be removed from my credit profile.They are aware that there is no way that there can be no recent activity on an account that has been closed for XXXX. Its been 5 months that I've been waiting for the XXXX, and every time the XXXX passes I call and the supervisors have no idea what I'm talking about. They then proceed to " escalate '' the matter to the back office to which then they respond by saying I have to wait until the XXXX once again. The latest update has my credit report reflecting XXXX missed payments for XXXX and XX/XX/XXXX. So instead of erasing this account for inaccurate and incorrect reporting, they have made the late payments as recent as possible, causing my credit score to drop over XXXX points through no fault of my own. I am seeing first progress and I need them to delete this account because what they are doing is ILLEGAL.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 16811 ( = ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 
I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy. 
- XXXX I understand that, under 15 U.S.C. 1681i ( a ) ( 3XA ), you are required to complete the reinvestigation within XXXX XXXX of receiving this dispute, unless you notify me that an extension is necessary. 
XXXX, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be ventied, I expect the prompt removal or correction of the disputed item from my credit report.
Consumer complaint received 2023-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/2023, Synchrony closed all credit cards I have with them. I estimate I have XXXX cards with them. I called and they said I am risky, but this is general and not true. I was never late on any of my loans. My credit score is XXXX. There is no rational reason for them to close my accounts. I depend on these credit cards because they do not have the same legal protection using debit cards and cash versus credit cards. Also, due to them closing my accounts I lost a significant amount of buying power for XXXX XXXX  shopping to spread out the buying to not max out one card and significantly decrease my credit score. 

The closing of ten credit cards will significantly decrease my credit score and it appears they maliciously intended to offer me credit and allow the credit bureau to take note of the newfound buying power and the lack of consuming it to allow them to increase my credit rating to new heights just to bring it down to low numbers where I can not finance a car or home and if I can at a high interest rate.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX