davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX, I transfered {$1000.00}. plus charges to my girlfriend, she says tha Paypal will not give her the money that I sent because Paypal is requiring her to have a bank account, which she does not. In the past, I have sent her more money than described and Paypal did not ever require a bank account. Neither did they ever tell me that a bank account would be required in order for her to collect the money I sent her. I asked Paypal to refund me and they refused. They said she has the money, wrong, she does not. She was to receive XXXX XXXX XXXXXXXXSo Paypal has apparantly done this before, I now find out. I want to have her collect this and any money being held.for a bank account. Since Paypal refuses to refund my money, it is sitting in the " air ''. Now my girfriend has already lost that money because of Paypal has offered someone else my payment due her on the XXXX for a fee. It is now the XXXX I believe that Paypal has done this to get even with me for the complaint I filed earlier. That was an amount the same {$1000.00} USD. I believe that Paypal has decided to cost me money, which isa criminal act..
Consumer complaint received 2018-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NV)

This was a medical bill from XX/XX/2015 from XXXX XXXX. I contacted them to find out what the debt was and they verified it was my debt. They refered me to the collection agency RMCB XXXX which just in the last week hit my XXXX and XXXX   credit reports as collection. 
I contacted RMCB the bill was {$290.00} and I made a discounted agreement of {$170.00} and paid the bill which shows settled in full with a Current Balance : {$0.00} The problem is they will not post this collection result with the credit agencies for 45 days. 
I am requesting a more timely response from them to the Credit Agencies. 
Can you please help me with this.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Light in XXXX, I applied for a credit card from XXXX XXXX XXXX. When the card arrived I realized that it did not have the benefits. I expected and called Capital One to close it. I received a letter dated XX/XX/XXXX saying that we are happy to tell you that your identity fraud investigation is now closed. We found the account to be fraudulent and you were not held responsible. I was totally flabbergasted and contacted the number on the letter to correct the information. 

I explained the issue in detail to an agent who put me on hold for a significant time, only to come back and tell me that the account cant be reopened. I repeated myself, saying, I had no interest in reopening the account but but I wanted the reason for the closure corrected. She again put me on a lengthy hold, then once again repeated that the account couldnt be reopened. At this point, I was losing my patience, and sternly repeated what I expected and followed by telling her if she couldnt address it then I wanted to speak to a manager. She came back a third time, and essentially told me the same thing so why demand to speak to a manager. To that she replied I can transfer you, but I cant give you an estimate of how long the hold will be. I waited on hold for 10 to 15 minutes, then gave up. She returned my call saying the manager asked her to and would be right with me. I agreed to wait and after a few minutes the manager came on the line. At this point, I had to explain the entire situation over again, because he refused to acknowledge what I was saying. he also stated that there was nothing they could do so. My next step is to file this complaint. 


** I destroyed the cards when I closed the account and only have the last four digits that were included in the letter. However, it also includes a case number : XXXX
Consumer complaint received 2024-01-10
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-24
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. (NC)

It has been several months since my last credit report review, and I've found that some information remains inaccurate. Both Experian and XXXX credit bureaus are required to verify this item under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Deeming this reported item as unverified without presenting evidence within the legal timeframe is unacceptable. I request an immediate investigation into the unverifiable item and its prompt update in my report, in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest has failed to furnish evidence that their reporting mechanism is not defaulted or there is no default in their reporting mechanism. 


BRIDGECREST XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2023 ACCOUNT XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our XXXX XXXX. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Who did you speak to?

License number?

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report.

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California (CA)

I am not liable for this debt with XXXX XXXX XXXX, I don't have a contract with Collection Consultants of CA. 
They did not provide me with the original contract, bearing my signature as requested. 

I have never signed a HIPAA release form with the following alleged creditors : Collection Consultants of XXXX  XXXX XXXX XXXX Therefore, these are inaccurate HIPAA violations and I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now aware of these HIPAA violations. 

Delete immediately.
Consumer complaint received 2024-02-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

with the 3 credit bureaus on my credit report on inaccurate information. I have sent 3 dispute and verification of debt letters to the credit bureaus of the unverified debt. specific accounts such as FCO, debt collections have not verified that I owe the debt. The 3 bureaus have not provided me with the documentation that qualifies as verified debt. I have asked for the contracts or purchase agreement information from the debt collectors. Because I have never voluntarily agreed with any of these companies. I have also sent letters to the credit bureaus to remove all inaccurate personal information from my credit report. Including old addresses, telephone numbers, employers, and any other personal records about my personal information. It has not been done at all. I pulled and printed my current credit report as of this date today XX/XX/2024. I've demanded in multiple letters to update the information because the information is incorrect. I have asked for proof under the law proof of the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719. Because no proof of the alleged debt was being provided. My credit report is completely inaccurate and out of date. And they are not updating the correct information. XXXX XXXX The document provided is a legal document I provided to all involved parties. The 3 credit bureaus and FCO. I did not owe {$33000.00}. I owed {$64.00}. I asked for a litigation process and take me to court and they refused. Proving that the debt is unverified.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

HSBC USA N.A. is not responsible for the information that it provided. And gave me a terrible personal attack! 
I have an account in HSBC USA N.A. and I use it correctly and carefully. In XX/XX/2023, HSBC USA N.A. closed my account, in the next few weeks, HSBC in other countries also closed my account, and told me HSBC USA N.A. reported that I am involved in a financial crime. So it's a big mistake and affect me a lot, which makes me angry and confusing. 
In fact, my account is just used to save some money which transferred from the account in my name in XXXX, for the high deposit rate. Sometimes use the debit card to shopping. Once XXXX is going to give me some refund by ACH, so all of these money is legal, but not a financial crime linked account. 
What's more? I bank should responsible for the information that they provided to both customer and other banks in the same group. Your mistake caused that I can not use the banking service in HSBC XXXX any longer, but also suspended to be a criminal by others. It's a kind of personal attack! HSBC USA N.A. should responsible for that!
Consumer complaint received 2024-02-20
Product: Credit card — Store credit 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: CITIBANK, N.A. (GA)

I ordered this flooring due to an XXXX insurance claim from XXXX of XXXX. Part of the kithcen floor was removed for mold mitigation around XX/XX/XXXX. 
XXXX {$49.00} to have Home depot come out and provide estimate. 
XXXX completed. As stated above, a portion of the flooring was already removed for mold mitigation, the estimator could see all aspects of the floor including original floor thickness. 
XXXX with flooring desk to order flooring based on estimate 's specs. Purchased flooring on XXXX credit card for supplies and installation. 
XXXX arrived but stated that my subflooring needed to be leveled. rescheduled install. 
XXXX leveled XXXX arrived to install new floor but had to come back because they ran out of trim. 
XXXX informed installer that I was not satisfied with flooring and that I would not be signing the installation completion paperwork. There was gaps around all of my doors and floor molding. There was also a large scratch that was under the furniture. Notified XXXX XXXX XXXX XXXX and Citibank credit services that I was unsatisfied with flooring. Flooring contractor 's manager called me and XXXX me out because I would not sign off that the flooring was complete. 
XXXX went to the store to try to get resolution from store manager but only offered a {$500.00} store credit. I told owner that they could pick up product because I was not satisfied. Since this was an insurance repair, I needed a certificate of completion to claim my depreciation so I needed the flooring finished or that they could come remove. 
XXXX a call from flooring rep XXXX letting me know that they XXXX be sending a XXXX out to make the repairs. 
XXXX repair estimate from XXXX for trim repair and sent to Home Depot store. 
XXXX numerous emails for status or for Home Depot to remove the flooring. No response until XXXX when they offered to pay XXXX price to make repairs. I declined this offer. I do not feel that I should be responsible for a bad flooring install. 
XXXX XXXX response from Homedepot. 
XXXX a letter from Home Depot credit services that my XXXX XXXX XXXX XXXX I reopen the dispute case and attach all of my emails and documentation. 
XXXX notification that dispute was denied again and was informed that I had to get with store XXXX to resolve. 
XXXX message for store XXXX named XXXX with XXXX XXXX. 
XXXX called me back and offer the same {$500.00} credit that I declined because it did not cover the cost to make repairs.
Consumer complaint received 2024-02-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (TX)

For over six months now NetCredit.com has been running applications with part of my information but luckily I do not think they have my actual SSN since none of my credit monitoring or FACTA alerts have been trigged. 

Every time they send me a XXXX I tell them I didn't apply and they claim they resolove the issue but a few weeks later I get another XXXX email. The name they have always seems to change and it changes to something offensive. The most common name they use is " XXXX XXXX XXXX XXXX ''. 

They keep promising me they will close " my '' account and stop harassming me but they havent. 

I believe someone is applying for the loans as a way to harass me and NetCredit is doing an amazing job of helping them. 

I have filed ID theft police reports every single time they harass me and give them a copy where I list the suspects. 

I am pretty sure these applications have been submitted by the XXXX family of for worth and XXXX TX XXXX XXXX lives in XXXX XXXX and her brothers XXXX and XXXX XXXX live in the XXXX area. 

Perhaps Netcredit can send them cease and desist letters to get them to stop since they cant manage to block my email address. 
the email address they are using is XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I rented a car using my USAA credit card, which provides car rental insurance. On XX/XX/XXXX I had an accident and the rental company charged me {$640.00} for the damage. I filed a claim for the damage on XX/XX/XXXX. I have submitted the full rental contract, picture proof of the damage, and proof I was charged the damage amount on that USAA credit card to XXXX XXXX XXXX XXXX, which USAA uses to process these claims. Throughout the process, they have delayed and asked for the same documents again. It is now XX/XX/XXXX and I still have not been paid. 

I emailed XXXX on XX/XX/XXXX, to let them know I would soon be filing a complaint with CFPB. They responded 2 days later ( everything else was taking much longer for a response ) to ask me to call them 'to ensure accuracy ' and I replied that I wanted to keep everything in writing ( I recently had a bad experience with a phone representative from XXXX that did not follow through with everything said on the phone ) and they let me know that my 'claim has been noted with the information provided ' but still have not paid out the claim.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX _ {$770.00} XXXX  XXXX XXXX _ {$1100.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry  : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

After reporting immediately to Capital One I mistakenly said it was fraud but it is a scam. The phone people told me they were the Fraud Dept and to secure my account I needed to transfer {$400.00} to XXXX XXXX and he would in turn return it when my account was cleaned. I am XXXX XXXX XXXX and use this money for rent and Capital One did not return it because I sent the money. Of course I sent the money because the scammer told me it was necessary. i didn't realize I was scammed until it was completely over. I tried stopping the transaction. XXXX returned my money immediately and I don't know why Capital one will not give me back my money. I am on thin ice with my landloard.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/2024 I received a notice from my loan service provider ( Mr. Cooper ) that my monthly mortgage payment would be increasing by roughly {$400.00} per month because of an escrow shortage. No alternate options for payments ( such as paying off a shortage as a lump sum ) were even proposed. Instead it was presented as " look at this huge mistake we made - here 's the new amount you will be paying ''. 

My loan was initially managed by XXXX who had to adjust my monthly payment occasionally. It was decreased by {$10.00} per month at one point. It was also increased by {$40.00} per month at one point. When these things happened, I received phone calls. My loan was then transferred to Mr. Cooper, and since then the quality of my experience has decreased significantly. Their portals are inferior, their customer service ( when I take the time to reach out ) is beyond lousy, and now their management services has made a significant miscalculation resulting in a large payment increase. 

I will be calling Mr. Cooper ( Nationstar Mortgage LLC d/b/a Mr. Cooper ) later on for an explanation in their own words, but I know enough to be aware there are multiple ways to handle this mistake and quite frankly they should be laying them all out as opposed to sending a poorly formatted notice.
Consumer complaint received 2024-03-24
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. (WA)

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN EXPERIAN THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 U.S.C. 1681i Paragraph ( XXXX ) 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/update the status. 
XXXX XXXX XXXX XXXX XXXX Please update this inaccurate information on my credit report. 
XXXX. XXXX XXXXUnder 15 U.S.C. 1681i Paragraph ( XXXX ) 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/update the status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update it from my credit report