davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-14
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XXXX 2016 I had a secured credit card through Capital One that was closed. After application of the security deposit it left a balance of {$35.00}. While the account is being reported to the credit reporting agencies as closed a recent review of my annual credit reports reflects that Capital One is reporting the account in a derogatory status ( " past due '' ). A review of my statements from Capital One shows that while the account was closed and had a balance due I am still being assessed past due fees and interest. As of my most recent statement I have been charged in total {$55.00} in fess and interest. My new balance is {$91.00}. Additionally, my most recent statement states that my account is suspended.. I spoke the account representatives and a supervisor by the name of XXXX who stated that since the account still has a balance despite being closed the system reflects it as being suspend. However, I am requesting a review of this account status as a closed account should not be considered suspended. Suspension denotes that the account is active. How can a closed account be considered suspended? My most recent statements reflect I have a credit limit of {$200.00} and a cash advance limit of {$100.00} but no available credit for either. How can I have a credit limit of {$200.00} and a cash advance limit of {$100.00} when the account was closed? Additionally, I am requesting a regulatory review of the fess and interest charged for a closed account and reporting of derogatory information for a closed account to the credit bureaus.
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a call from XXXX fraud department on XXXX XXXX 2015. They wanted to know if I am happy with my purchase, I told them I never ordered any tickets from them. 
I then immediately called. Capital One and told them there has been unauthorised charges on my account. They told me they will investigate and remove the charges. 
The unauthorised charges are for {$910.00} and for {$52.00} I was told the unauthorised charges for a total of {$960.00}, will be removed from my account. 
Lo and Behold when I got my billing statement it says I owe {$730.00}, this is in error, my total legitimate charges are only {$180.00} and that is what I was expecting to be billed. 
Capital One sent me a billing statement that is very difficult to understand. The billing statement is very confusing and it is wrong and in gross error and very deceptive, I DO NOT OWE {$730.00}, all I owe is {$180.00} AND THAT INFORMATION IS NOT ON THE BILL STATEMENT. 
Capital One is being very deceptive, and they now have very very poor customer service, out sourced to XXXX. 
I want Capital One to send me a proper bill with the correct amount of {$180.00}. in the new ballance area. 
Also I no longer wish to use their credit card. Capital One sent me a new credit card, but I refuse to activate it, as I no longer want to associate with a shady company such as Capital One.
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am an authorized account holder with XXXX of my Capital One Cards. I have requested on several ocassions that Capital One re-submit my account information to XXXX for some strange reason the account was removed from my credit file. So between Capital One and XXXX that has yet to be done and I am so tired of getting the run arounds about this. This mix up has killed my credit score and it has hendered my opportunity of obtaining a mortgage.
Consumer complaint received 2015-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paypal Holdings, Inc (WI)

A few months ago, I had fallen behind on my bill with PayPal Credit. Within the last few weeks, they contacted my father to try to reach me. From what I had been told by my father, the individual who had called told him that I owed a balance and the amount of said balance. I initially had issues with them calling my phone before XXXX when I was in XXXX over the XX/XX/XXXX, and now they disclose information to others without my consent? If I could afford a lawyer, I would gladly sue over this. Sadly, I am trying to go through college, and that has impacted my available resources for the time being.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (OH)

I signed up for a new Paypal account today. At the end of the sign up, the screen prompted me for the last XXXX digits of my social security number and had a button to click next to it. This appeared to be the regular process for creating the new account. The next page said I was approved for {$1500.00} in Paypal Credit. I immediately called the XXXX number to customer service to see how this happened. They told me that when I entered the last XXXX digits of my SSN and clicked on the button, I agreed to sign up for their credit service. I did n't see anything on the page about Paypal Credit until after I had been approved. It was very deceptive. They closed the credit account over the phone but said there was nothing they could do about the hard inquiry on my credit report. They said I could write a letter and fax it to Paypal Credit to request they remove the inquiry. This entire process was deceptive and confusing. It appears that you must fill your last XXXX digits of your SSN to sign up for Paypal, but what you are really doing is signing up for Paypal Credit.
Consumer complaint received 2024-10-31
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. (DC)

I am contacting you to request the immediate blocking and deletion of certain accounts and inquiries on my credit file, as I am a victim of a data breach and identity theft. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to maintain its accuracy.

Please remove the following accounts from my credit file : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$48000.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$380.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$840.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
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. (CA)

I have known that i was a victim of identity theft for a while now, however i have been unsucessfull in. getting this account removed. Finally i have to resort to filing a police report. The account is XXXX XXXX. Please block this account from mycredit as required by law.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Complaint Title : Denial of Access to Credit Report and Request to Dispute Inaccurate Accounts Experian and XXXX FCRA Violations Summary : I am filing this complaint because Experian and XXXX have denied me access to my credit report, despite multiple attempts to obtain it. This denial is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to view and verify their credit information. Additionally, without access to my report, I am unable to file disputes on specific accounts that I believe contain inaccurate or outdated information, further impacting my credit score and financial stability.

Violations : Violation of FCRA ( Fair Credit Reporting Act ) The FCRA ( 15 U.S.C. 1681g ) grants consumers the right to access their credit reports. By not providing access, Experian and XXXX have failed to comply with these provisions, obstructing my ability to review my credit history and to dispute inaccuracies. 

Violation of FACTA ( Fair and Accurate Credit Transactions Act ) Under FACTA, I am entitled to a free annual credit report from each major bureau, including Experian and XXXX. Denying access infringes upon this right, blocking my ability to see my full credit history. 

Denial of Dispute Rights The FCRA also grants me the right to dispute inaccurate or incomplete information on my credit report. Without access to my report, I can not identify errors or initiate the necessary disputes with Experian and XXXX, which hinders my ability to ensure fair and accurate credit reporting.
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FACTUAL DATA CORP. (MO)

XXXX we took our XXXX son to our XXXX for his XXXX visit at witch he was to have a XXXX. XXXX had a set of XXXX taken at his XXXX appointment. The nurse came back out and said the doctor wanted a XXXX set of XXXX knowing our plan most likely would not cover a XXXX set I told her to call our XXXX plan and get them ok 'd first seeingnext years befits would start XX/XX/XXXX, less then 15 days and I flatly said we could not afford an out of pocket charge and we would have to wait until next mouth. when she returned we when informed that no our plan would not cover it, but, they had already taken the XX/XX/XXXX all ready and that we would be billed for the service we had said no too. at that point I flatly stated we had not authorized them. seeing as the XXXX were the only service preform at that point we left and then took XXXX to another XXXX XX/XX/XXXX. I believed the matter closed until we moved back to Missouri and started the process of buying the home we own now, only then did I find out the bogus bill had been turned over for collection. I contacted the billing company and explained the matter and heck would freeze before I payee this garbage. got our home loan again all seemed fine until we started a refinance of our house to make some improvements only too again hear from another outfit ( XXXX XXXX ) again asking for XXXX dollar for the same invalid charges! I 'm so mad and tired of fighting those XXXX I ca n't stand it, how long will I have too keep dealing with this? We are being held for ransom, if we do n't pay this we may not get our loan. for over 5 years this has been hurting our credit and I want justis! please for the love of God can you do something about these rip off XXXX?
Consumer complaint received 2016-02-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (CA)

" Lender live '' is the mortgage company for my rental home. On XXXX XXXX my home was damaged by vandalism. The insurance company covered the claim and sent a check made out to myself and the mortgage company. I endorsed the check and mailed the check certified mail to Lender live. Lender Live received the check on XXXX XXXX, 2016. I never received any correspondence from lender live. I called " lender live '' multiple times, and I finally reached them on XXXX XXXX. Lender live said I needed to send a " statement of loss '' from XXXX before they would respond to my request to release the check back to me. I faxed the statement of loss to lender live on XXXX XXXX. Lender live claimed that never received the fax. After many phone calls, " lender live '' found the fax and said that they needed to inspect the property, and I would hear from them in 7 to 10 days. Ten days passed and I never received correspondence from them. On XXXX XXXX, I called them again and spoke to customer service rep XXXX. XXXX said that the department that handles the checks, " loss and drafts '' requested more paperwork. I asked XXXX when lender live or their department called " loss and drafts '' were going to contact me about the more paperwork. XXXX said that " loss and drafts '' do not correspond with customers. I asked if I could call them. XXXX said no, they do not receive calls or send out calls. 
XXXX stated that she would send another message to " loss and drafts '' to request what was needed, but she did not know how or when I would hear back from them. From the start of the process I have never received any correspondence from lender live. Lender live has a department that is holding a {$21000.00} check. This department does not correspond with customers ; however requires correspondence with customers to release my check. This is an unfair practice to customers and is costing me {$1500.00} a month in lost rent since I am waiting for " lender live '' to releases my check. 

I filed a complaint with XXXX about Lender Live. Two days later I received a letter from lender live stating my mortgage had been transferred to a new mortgage company and I would have follow up with them concerning the insurance check.
Consumer complaint received 2024-10-31
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. (SC)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, Proof of Address and SSN card.
Consumer complaint received 2024-11-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My identity has been exposed in over XXXX data breaches in the last 4 years. I am doing all i can to get my identity back but these companies will not remove these accounts when i dispute them. I have been denied refunds for fraudulant charges ranging in the XXXX of dollars im paying for repair companies to help but im getting no where please help me. with this particular company sunrise credit say i owe money for services i didnt get and cell phones i did not purchase
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Ive recently received a copy of my credit report, and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (IL)

On XXXX XXXX I paid my personal loan as I always do, before the over 30 day expiration period. 
However my Fico alerted me the next day that I was reported as late when I was not. My credit score dropped XXXX points as a result. 
I have previous emails from PNC bank where I paid my loan on the XXXX and was never reported late. I have a stellar credit score and have NEVER been past due 30 days. 
When I spoke to the rep as I paid my bill he assured me I would not be reported as late. 
I called after XXXX days later and was told that because it's pending it will show that way. This has never happened to me before.
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (CA)

A representative called me from XXXX XXXX stating that I owed a debt from Citi Bank and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I opened an account at Home Depot which was administered by Citibank. In the interim, I became victem of fraud and fell behind on payments and could not pay the account. Sometime in XXXX, 2010, I was contacted by a representative from Citibank offering to settle the account for {$430.00}. The payments were to be made once a month on the XXXX of each month. I made three payments ( {$140.00}, {$140.00}, {$140.00} ) as per their instructions and agreement and the account would be settled. These were sent to Citibank directly via XXXX. Instead of Citibank settling the account they sold it to another collection agency. I contacted Citibank and they said they could not do anything for me. To this day, my credit is ruined and the collection agency will not take it out of the credit bureau. I contacted the new collection agency and they refuse to take it out of the credit bureau without paying them money, even though I sent all the information and explained everything to them.
Consumer complaint received 2016-03-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (CT)

" XXXX '' employee XXXX of Sears ( my phone however indicated that the call was from " Citi '' ) called one business day after another such caller called probing in the same way about a non existent debtor in my home. Both were told that they did not have the debtor they sought. XXXX asked if I denied a relationship with the debtor despite my comment that on my belief and information the debtor lived in XXXX, not XXXX. I also informed her that I was born XX/XX/XXXX. She promised, as did the caller the week before ( Friday ) not to call again. The phone number XXXX dialed from read out XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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. (NC)

I am filing this complaint to address numerous unauthorized credit inquiries that have appeared on my credit report without my approval or knowledge. These fraudulent inquiries have negatively impacted my credit score and caused considerable concern.
Consumer complaint received 2016-09-13
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (FL)

Please refer to your compliant number XXXX concerning, among other offenses, harassing robocalls asking for the card holder to establish an automatic charge to our bank account. All facts described in that complaint remain the same. CITI has developed some method for circumventing the call lock on their number. The credit card account was never activated therefore and the balance consists of disputed transactions and accrued interest which were reported to CITI on XXXX/XXXX/16 as soon as the transaction were discovered. The balance is not a legal debt and the account was never accepted or established by the named card holder. Therefore, there exists no legal basis for the debt and thus no basis for the harassing calls. In addition, circumventing our call blocking system demonstrates a pattern of harassment. PLEASE CORRECT THE LAST XXXX OF THE SSN ON THE ORIGINAL COMPLIANT. IT SHOULD BE XXXX INSTEAD OF XXXX.
Consumer complaint received 2016-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I was sent a bill by this company, that I knew I did not owe. It was for an ambulance bill, that I know was finally paid by both Insurance companies after awhile. 

Continued threats and arrest if we did not pay when we had already supplied proof of payment by insurance. Would not let up and reported on my Credit reports as a negative. 

I had to finally sue in Federal Court in XXXX XXXX, and received a default judgement because the collection company never answered any correspondence from my attorney 's or from the Court. 

Now unable to collect judgement since they hide behind closed locked doors and say they have never been served with court documents.