davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
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. (PA)

I sent registered mail to all three bureaus requesting as the consumer for collection accounts to be deleted off of my credit report. Under and according to 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

So as the consumer as stated in section ( 2 ) I am giving and have given you written instructions to delete the accounts that are in collection Account status that are on my consumer report that are being furnished by all three bureaus. 

This has caused severe harm to me as a consumer and per violation as stated is up to XXXX in fines so please delete the items listed above that are in collection status. I am not asking you to verify any of the accounts listed I have opted out of all companies that are listed in collection status from them furnishing you information so please dont say you have verified the information because thats not what I am asking as stated in section 2 I have given written notice to delete the accounts furnished on my consumer report.
Consumer complaint received 2023-05-02
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: W&A Intermediate Co., LLC (TX)

XXXX XXXX XXXX reported medical information to a third-party company violating HIPPA and Federal Credit Reporting Act. My medical information was reported to Wakefield & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX with out my consent.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have previously disputed public record XXXX XXXX XXXX XXXX XXXX XXXX with you. With in response, you verified this item accurate. stating you verified this information with the court. 

I contacted the court in their response is in enclosed : Its clear they do not report to you or any credit Bureau for that matter. Therefore, your initial response. verifying the item with the court was either an error or a lie. 

Either way the reporting requirements does not comply FCRA 611 ( 15 U.S.C. 1681 i and the information must be delete immediately!!!
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

My name is XXXX XXXX and Im a long-time PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer do business with PayPal email today. At the advice of counsel, Im sending a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. Im emailing you off a different email due to not having access to my email linked to my account which is XXXX. My phone number is XXXX. All details are in the attachments below. I am a business and I have a {$600.00} balance in the account that I currently cant retrieve. That money is mine & I feel its being stolen from me. I primarily use my PayPal for Online Transactions. I receive occasional income from tips. Everything I do on PayPal is completely legitimate. Here are several examples of recent transactions : [ XX/XX/year> ] : [ {$600.00} ] received from [ XXXX XXXX  ] [ XX/XX/year> ] : [ {$600.00} ] received from [ XXXX XXXX ] [ XX/XX/year> ] : [ {$600.00} ] received from [ XXXX XXXX ] None of these violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on XXXXPayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service, especially if users take their complaints to the appropriate business oversight authorities. 


I do not have access to the email listed to the account anymore. So you're providing details and information to an email that i have no access to. Like i said before in the countless messages I've stated before. My account is still permanently deactivated. i have {$600.00} of funds, being stolen from me, all because of the incompetence of your company and lackluster employees who offer zero corporation. I demand this issue be taken to an actual competent executive of your company and I demand my account be reinstated so I can take the funds out that are being stolen from me. I do not want another email from you people. I want this situation fixed and my account reinstated so I can withdrawal the funds you people are holding hostage. I will continue to reject your responses until my account is back and functional and the money is able to be withdrawal from my account. 


I look forward to hearing back from you once my case is reviewed and the limitation is reconsidered. The Email you may send an apology to is XXXX I hope to hear back soon. Have a good day.
Consumer complaint received 2024-05-02
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: EQUIFAX, INC. (PA)

Unauthorized Hard Inquiries!!! Information Researc
h XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : CAP ONE - XXXX, CAP ONE - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (IL)

SECURITY CREDIT SERVICE added a collection to my credit report indicating that I owed them {$1500.00}. They also indicated that this loan was established XX/XX/year>. I sent letters out XXXX, XXXX and XXXX, all 3 companies are reporting different information which is also a validation of my rights as a consumer. All 3 bureaus must report 100 % accuracies across the board or thats a violation of my rights. I dont owe SECURITY CREDIT SERVICE any money nor have they lent me any money nor have I signed any contracts agreement stating I agreed to pay this company back. Im demanding that this debt get immediately removed from my credit report
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

Hello, CHASE bank closed my checking and savings accounts on XXXX. I called the bank and they would not give me an answer as to why this was happening. Restriction was put on my account. I was able to go into my local bank and get my savings account cashed out to me but not the checking account. On XXXX the remaining balance was sent via check to me. I was told XXXX CALENDAR days. It is now XXXX and a check has not arrived. Each time I call I do not get any help from the bank and each call is over an hour long.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

To Whom It May Concern : 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. I must emphasize that the required original creditor 's documentation has not been provided to me, as required by FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The absence of a consumer contract with my signature is notable. According to FCRA Section 611 ( 5 ) ( A ), you are obligated to " promptly DELETE all information which can not be verified. ''
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NE)

I hope this letter finds you well. I am writing to formally dispute the accuracy of information contained in my credit report, specifically concerning the reporting of late payments. After a careful review of my credit history, I have identified discrepancies that require your immediate attention and resolution. 

I believe that there are inaccuracies in the reporting of late payments on my credit report, and I request a thorough investigation into this matter. It is of utmost importance to me that my credit report accurately reflects my financial responsibility and standing. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXXXXXX XXXX customer service representative. XXXX  and XXXX have already removed the late payments from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I request that your bureau investigates this dispute promptly and corrects or removes the inaccurate late payments from my credit report. I also request a written confirmation of the corrections within 30 days from the date of receipt of this dispute. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct a reasonable investigation into disputed items, and I trust that your organization will adhere to these guidelines in resolving this matter.
Consumer complaint received 2023-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (OR)

I started a short-term " Rent to own '' load with First American Finance , to purchase a couch. 

I was told in person and confirmed on the contract that I would be able to pay with any format of " Payment Card. '' I have used the card already to make prior payments. They are now refusing to process my payment, claiming that the card is unable to be used. 

I have reviewed my contract, and there is no limitation of the type of payment method that I can use, nor does it limit me to paying with a debit card. I have chosen to use my Credit card, as I have in the past. 

They are avoiding providing me a way to close my account, although I have attempted on multiple occasions to pay them the amount owed, with a payment type that is already saved to the account and has been used in the past. 

They are deceptive and hard to communicate with. They are denying my right to pay my loan in a format we are contractually agreed to pay with and which has already been used in the past. 

I would not use this rent-to-own partner for ANY reason as they are deceptive and this seems to be a clear issue with providing end consumers with deceptive offers, and a bait & switch methodology.
Consumer complaint received 2024-06-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

Approximately at the beginning of XX/XX/year>, I went into my online account with XXXX XXXX to schedule my payment for the end of the month. I noticed that my balance didn't match up with the balance online. I then noticed a charge of {$580.00} in interest. It was the promo I was under for a purchase made in XXXX and what I thought was on an equal payment plan. Apparently, it was not, just minimum payment and have balance paid off by the end of the promo. Since I was on paperless billing, which I never agreed to be on, I didn't receive any alert that the remaining balance was coming due and the date due. I have contacted the company numerous times to see about getting consideration of the mishap and have the deferred interest removed. Let me state that as soon as I found out the amount was due, I made the minimum payment for XXXX and the balance of what was due on the promo. I keep being told that an alert is on the bill, but information that is supposed to appear on the bill anyway and isn't anything special in alerting the customer. on the XXXX of XXXX I went online to pay my bill and as soon as I logged in an alert popped up on the screen giving me a XXXX reminder that I had a second promo coming due in XXXX. I immediately took a screenshot and contacted comenity bank about why I hadn't received the same alert XXXX  days before the XXXX promo was due. NO ONE had an answer for me ; after getting the charge I went back to paper bills, and a rep that day told me " Maybe ai received it because I went back to paper bills '' but wouldn't that be backwards and very misleading since XXXX push for customer to go on paperless billing? Shouldn't I have received the alert because I was on paperless billing which makes more sense? I have tried to upload the screenshot, of approx. XXXX, as an attachment that can hold up to XXXX of attachments when sending/responding to a message. I have prided myself in having and maintainig good credit and paying all my bills on time. Only a fool would spend over $ XXXX, as I had on this account, on promos then not have them paid off on time. I have also included an attachment of the screenshot made on my phone that shows the XXXX alert for the XXXX  promo due in XXXX.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company. I believe these items are fraudulent, and I request their immediate removal and resolution. 
I have attach my supporting documents, such as DL, SSN, and POA. 
I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. Please acknowledge receipt of this complaint in writing within [ mention a specific timeframe, and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$43.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$11000.00} CXXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$43.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$78000.00}.
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am XXXX XXXX XXXX living on a monthly XXXX XXXX payment of {$2700.00} per month. My wife XXXX XXXX last XXXX as a result of a XXXX and now I do not have the added income of her social security or pension. I have called Capital One at least XXXX times since she passed away asking for a reduced interest rate so that I can attempt to pay off the principal balance in my lifetime. I have also written two letters to the Capital One CEO. I have received phone calls but every representative states they do not offer reduced interest rates and they try to trick me into paying the now late fees and additional penalties by setting up automatic payments. I am not exaggerating when I say that I have spent XXXX hours no the phone trying to resolve this. I do not want to walk away from this financial commitment, but I can not pay the almost 30 % interest rate. Capital One representatives have told me to call back EVERY DAY to see if they have any new programs I can benefit from. I need help! I need someone to intervene and contact Capital One because I am getting no where with my calls and letters.
Consumer complaint received 2024-10-22
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

I was given an introductory rate of XXXX percent then increase to XXXX percent on remaining balance. However when I did not pay off the residual amount of around XXXX dollars the company LOWES and Sychrony the credit debt company retroactively charged me over XXXX dollars from 2 years back on XXXX dollars. So I was charge XXXX percent for the 2 years introductory rate on XXXX dollars and was over XXXX dollars of interest wasadded to my account. This is unbelievable. I have never had that occur ever. It was alwayys my thinking that the new interest rate start at the end of the introductory period not retroactively. There has to be something wrong here. Im XXXXXXXX XXXX XXXX veteran and this is horrible. Please help me. Thanks.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I saw a Capital One credit card had been opened under my name on XX/XX/year>. I can confidently say that I did not open this account and took appropriate measures to dispute it when I saw it on my account. I disputed it on XX/XX/year>, after it had shown on my credit score via the XXXX XXXX website. I followed up with XXXX on XX/XX/year> to gain knowledge of where my disputes status was at. XXXX declared my dispute invalid and the rep, XXXX, recommended I come to the CFPB and FTC to re-open the claim and prove it was not me. Not once have I looked at a credit card from Capitol One. The only two cards I knowledgeably opened are through XXXX XXXX and XXXX XXXX. Since the card has been opened, there has been absolutely no usage from it. I am a frequent credit card user and use my cards almost every day.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

I seen an add on XXXX for an apartment the was for rent. They told me that once I sent the security deposit of XXXX $ they would send me the keys. I sent the money and they only sent me a lease agreement. They told me they lost the keys and that they would send me the keys once I sent first months rent of another payment of XXXX XXXX XXXX  I was skeptical but sent the money anyways. They then told me that they never received the rent money and that they would just refund me the security deposit since everything was getting complicated. I contacted my bank ( Chase ) who said that both transaction were completed and successfully sent. They never sent any money back never sent any keys. I contacted my bank and told them I was scammed and that I could provide proof. They told me there was nothing they could do for me because I authorized the transactions, even if I had proof of being scammed by this person.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

I have requested money wire from Citi bank to XXXX XXXX  on XX/XX/year>. 
Citi bank blocked this money wire, saying that account is under review. 
I have called the Citi bank 3 times to understand why the account is under review and the status of the review, but the bank refused to provide this information. 
The customer service representative keeps saying I will get a phone call about the review, but I have yet to receive any phone call from the bank.
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (CA)

My home in XXXX XXXX XXXX, CA closed escrow on XX/XX/2024. The Principal Payoff was completed on that same day. The payoff was {$380000.00}. That left a remaining amount of {$2000.00} in an " Unapplied Fund '' account. Unfortunately I did not stop my autopay in time so on XX/XX/2024 Mr. Cooper received my payment of {$1900.00}. So now there is a total of {$3900.00} in this " Unapplied Fund '' account. On XX/XX/2024 I had a ticket created with Mr. Cooper asking what I need to do to receive my " Unapplied Funds ''. I have not heard anything from them at all.