davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: OneMain Finance Corporation (PA)

XX/XX/year>, I was told I would be a payee on a business loan from someone I met online. 
He said he had the loan with OneMain Financial. They requested I needed to open an account with OneMain to be a payee. I started sending money via cashapp as that is how they requested I send the money. 

I have continued to do this up until now. I have been in communication with judges, directors, officers, and now the XXXX XXXX 

I believe this is a loan scam as they are requesting the money immediately, they do not care if I dont have money in my bank accounts, they are requesting to be sent via XXXX & they are extremely aggressive at times. 

They also can not type texts or any documentation correctly. 

I have attached all the XXXX statements and the documentation letters I have received.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/2024, my XXXX account was hacked. XXXX stole {$350.00} using my XXXX and CITI Bank accounts. Finally, XXXX XXXX  refunded my money {$350.00}. But CITI Bank refunded me {$350.00} first on XX/XX/2024 and finally the bank got my {$350.00} back on XX/XX/2024. This amount is just that big. I asked for a signature or proof of a legal document or contract but no one could give it to me. Why did Citibank take my money {$350.00}. I don't need to buy it at all and have no idea what it is? Why do I have to pay? Why can't banks protect consumers ' rights?
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: January Technologies, Inc (PA)

Asked company ( XXXX ) for Verification of the Debt which included ; a written notarized letter verifying the debt amount, the original creditor, and the account number associated with the debt. Proof of Authority : Provide documentation that demonstrates your agencys authority to collect this debt, including the original credit agreement or contract with my signature. Detailed Account History : A detailed history of the account, including all charges, payments, and any adjustments or corrections made. Proof of Ownership : Documentation proving that you have purchased or been assigned the debt from the original creditor.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX, I received an email about an account being opened on Chime, under someone else 's name, but using my email address. Over the course of that week, I received more emails containing this person 's personal home address and updates about the transactions they were making using Chime Banking. I thought it was spam at first, but decided to look into it. I now know this person 's name and where they live- which feels like a huge privacy issue, and something a company like Chime should do everything to avoid. A simple email verification would have solved the problem but that's the one email I never received from them. 

As I did not open an account on Chime using this email address, I called their customer service line ( a number I got directly from their website ) to ask that they close the account. They immediately asked for my personal information- I've never heard of nor had a reason to use Chime - there should be no reason they need MY personal information when I never opened an account with them in the first place.
Consumer complaint received 2024-08-02
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bright Capital Inc (TX)

I have been using the Bright Money service app for a couple years. I had to stop using them these past 2 years because they would promise me a better credit score and debt settlement if I paid them a monthly fee of $ XXXX. Nothing has changed and they are charging me unexpectedly after canceling their services for 2 years. I tried to look at my account again since they are still emailing me about charges I owe but my account was deleted as said by their representative.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear TransUnion : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
This fraudulent account is a personal loan XXXX XXXX XXXX XXXX Account number ( XXXX ) Opened : XXXX. XXXX
Consumer complaint received 2024-07-29
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capstone Credit & Collection, LLC. (PA)

XX/XX/year> I gave them a 60 day notice prior to that I had to terminate the lease agreement and I was self voluntarily XXXX acted! And they lied about no keys being in there.
Consumer complaint received 2024-08-07
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (KS)

On XX/XX/XXXX we purchased a golf cart from our neighbor she asked if we would just do it PayPal which we agreed the purchase price was {$1000.00}. We entered our email address like she had given us and sent her the money but she never received it granted on the bank statements which I have included it shows her name. And she proved to us it did not hit her account. We contacted her bank immediately and they told us to contact PayPal which we did they explained to us that they could not do a reversal and told us to wait till Friday which we did do. On XX/XX/XXXX when we called in to PayPal they explain their system was down and we needed to wait till Monday since the XXXX to call back. We did call back on Monday the XXXX at that time they explained to us there was nothing more they could do but send email to see if the fraud person would refund us our money. After a 4-Hour conversation with them and reading through their bylaws they were able to do a reversal on the ACH they just chose not to I've also included that paperwork as well.
Consumer complaint received 2024-08-07
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (WI)

Credit bureau companies XXXX Experian XXXX refused to make nessarry changes found on my credit report which continue be denied for different company due to credit scores also incorrect information bein reported on my credit file.. I have submitted documents in mail dispute still notice no change .credit scores to average incorrectly. By increasing credit scores .would help me establish line credit. I'm seekin housein. Companies 's ( call get it now furniture stores ) I haven't never been late have documented bank statements verification. Credit bureau report 2022. Late payments. XXXX the account made changes from how it was first been reported? Company 's Called XXXX XXXX XXXX XXXX XXXX  This Account paid off in full. is continuing getting away with. reporting incorrect. documentation bills l provide as proof. Payment. Doesn't show late payments anywhere on documents
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment Reporting by Capital One To Whom It May Concern, I am writing to file a formal complaint against Capital One regarding inaccurate information on my credit report. Specifically, Capital One has incorrectly reported my car payment as late. Despite my repeated attempts to have this error corrected, Capital One has refused to update my records to accurately reflect that all my payments have been made on time. 
Late payment reported for Payment summary XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX - XXXX XXXX- XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Actual Payment Status : - All payments made on time Consumer Laws Applicable Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies on my credit report. The relevant sections include : - **15 U.S.C. 1681i ( a ) : ** Requires credit reporting agencies to reinvestigate disputes. - **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : ** Obligates furnishers of information ( such as Capital One ) to provide accurate information. - **15 U.S.C. 1681s-2 ( b ) : ** Mandates furnishers to investigate and correct inaccurate information when notified by a credit reporting agency. 
Previous Legal Actions Against Capital One It has come to my attention that there have been similar legal actions taken against Capital One for the same issue. Notably : - **Case : XXXX XXXX Capital One Bank ( USA ), N.A . ** : This lawsuit addressed similar issues of incorrect reporting and failure to correct inaccuracies.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Debt buyers purchase old debts for pennies on the dollar and then seek to collect the full amount. They often file lawsuits to collect on these debts, frequently resulting in default judgments against consumers. These judgments can be incredibly harmful, leading to the seizure of bank accounts, vehicles, and other property. 

In my case, debt collectors misrepresented themselves as helpers, claiming they could settle my debt with XXXX XXXX, which originated in XX/XX/XXXX when the pandemic started. They sent papers offering payment options, falsely claiming they were there to assist. In XX/XX/XXXX, they informed me that my account had been transferred to a litigation department, but no attorney had reviewed it. By XXXX, I began receiving letters from lawyers stating that Portfolio and Associates was suing me and providing a case number. This information was not initially communicated by Portfolio and Associates. 

Upon reviewing the accusation, I saw that they claimed I made purchases and failed to make monthly payments to XXXX XXXX. While this was true due to the pandemic, it was never my intention to default as I had always paid on time before. The debt collectors, now claiming to be successors of my account, demanded full payment. 

On the same day they filed court papers, they pressured me into agreeing to a payment plan. To avoid court and because I couldnt afford a lawyer, I agreed to pay {$100.00} a month in exchange for removing the court trial. They accepted, but the court trial date for XX/XX/XXXX remained. 

They insisted I sign an agreement letter, which I did and returned with a tracking number to ensure timely arrival. Despite this, they later claimed they couldnt remove the case unless I paid in full and recommended I hire an attorney, which I couldnt afford. Eventually, the lawyer dismissed the case without prejudice, meaning it could be reopened. 

In XXXX, I discovered the case had been reopened. They claimed the payment didnt go through, which was false as I had provided my bank account details. They mentioned another account in their legal department, continuing their harassment. This persistent deceit and manipulation by debt buyers is exhausting, especially for someone like me, struggling to find a job and facing hard times.
Consumer complaint received 2024-07-29
Product: Credit 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: AMERICAN EXPRESS COMPANY (MD)

The following is additional information that I did not include in my earlier complaint. Booked a hotel through American Express XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX, XXXX for XXXX XXXX XXXX. My flight was cancelled and I reached out to American Express XXXX XXXX XXXX asking them to contact the hotel to change my reservation and the customer care agent did reach out to the hotel and told me that the hotel would " not budge '' on allowing me to make any changes to the reservation. As a result, I cancelled my trip and have been trying to get a refund from American Express. and filed a previous complaint. In AmEx 's response to the CFPB stated that the hotel offered me the option of checking in a day later ( XX/XX/XXXX ). That is not what the AmEx agent relayed to me when I called American Express Platinum Travel on XX/XX/XXXX. The agent told me that the hotel " would not budge '' on letting me make the change. In trying to get refunded. I reached out to the hotel directly and was told that since my reservation is not paid directly to the hotel, but from a third party ( in this case American Express Platinum Travel Service ), that they recommend that I reach out directly to AmEx for a full or partial refund. I have done so and been denied. I am attaching said email from the hotel indicating that this issue should be resolved with American Express. I have been an American Express cardholder for 34 year and XXXX of those years have been as a Platinum cardholder.
Consumer complaint received 2024-08-01
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: PENNYMAC LOAN SERVICES, LLC. (MO)

Dear PENNYMAC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the XXXX  Credit Reporting Act. 

It has unequivocally come to my attention that PENNYMAC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX  state law provides specific protections for consumers regarding credit reporting. [ Insert specific XXXX  statute citations if known ]. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for PENNYMAC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that PENNYMAC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the XXXX Credit Reporting Act. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX  state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (KY)

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received proper notification please provide me with the certified receipt with my full name on it.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (FL)

in XXXX I requested a defer payment Exeter agreed I've been paying on time as you can see my payment history, they have reported I didn't pay for XXXX  days I was given a defer payment for I have paid this account on time they have inaccurately reported my payment history
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I financed a car in XXXXXXXX XXXX XXXXXXXX I became XXXX XXXX  XXXX XXXX in XX/XX/XXXX, which turned into long XXXX and made me unable to work. I was still able to make my car payment, until XX/XX/XXXX. I fell behind due to losing my job and extra income. The finance company Capital One Auto calls me anywhere from XXXX to XXXX times a day including weekends and holidays. I've called them and told them to come get the car and explained my situation I voluntarily asked them to pick it up. Told them to give me a date and time, because the car is a XXXX XXXX and has been broken into multiple times so I can't leave it in the parking lot, and I wanted to give them the keys. They never came to get the vehicle and continue to call for payment. I don't know what more I can do. Please help me. 

The XXXX XXXX  has been stalking my home, and following my XXXX yr old daughter and her boyfriend too work several times and sitting in her work parking lot, she is scared and has considered quitting her job. My daughter has nothing to do with the loan or the car.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (PA)

The process on presentment of transactions and returned due to NSF. 
This bank does not show an item presented for payment on the daily transaction activity you can view on their mobile app. The item is returned NSF but reversal does not show on activity. 
The customer is unaware until the payee notifies them. Customer has no documentation on the account to show the presentment and or reversal. 
Even though it can be determined the item was not deducted, the presentment and reversal should show on the account. You have no proof to show the payee that it was even presented.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

There was a capital one account created in my name and a credit card opened on XX/XX/XXXX. XXXX. XXXX XXXX  was taken out of an atm in XXXX  XXXX. I am stationed in XXXX  XXXX  and do not live in XXXX  and have never banked with capital one or owned a credit card through any company, I found this through my XXXXXXXX XXXXl app on my credit score.