davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BARCLAYS BANK DELAWARE (CA)

I have credit score of XXXX I never missed a payment in my 51 year of life. 
I opened 1. BarclaysUS Wyndham card ( no annual fee ) 2. BarclaysUS Wyndham Plus card ( {$75.00} annual fee ) To open it, surprisngly, first time in my life, the bank had me deliver by MAIL or FAX only ID SSN card Utility Bills Banks Statments. 

what I did. Only by MAIL or FAX no other modern way of delivery of those documents. 
XXXX XXXX XXXX for BarclaysUS complained that documents were not too legible on XXXX ( yet thye insist on tech from XXXX ( MAIL FAX ) ONLY ). So i faxed all those 20+ times since they REFUSED to accept anything but MAIL/FAX. This itself was setting customer fo failure. SSN cards watermarks are designed to be hard to copy. They finally open the accounts, AND then they BLOCKED them IMMEDIATELY and keep them BLOCKED for MONTHS now I am unable to VIEW any statements or was never ABLE TO USE any of the accounts for MONTHS YET they keep billing me their fees. Account blocked since day ONE. I never was able to access ANY of them, yet they BILL FEES. Customer Security even claimed I could not pay them off as account is blocked ( yet they are showing up on my credit reports as DEBT accruing if NOT PAID wrecking my credit report! )... 
I luckily paid {$75.00} dollar annual fee for the account they claimed I could only pay with CHECK if it manages to arrive on time. They are about to ruin my perfect scores rendering my life a hell.. I can not reach anyone there to get access to my accounts... I keep calling for 3-4 hours a DAY! I am waiting on somone to pikc up phone for HOURS and then I get 10 run arounda and noone is able to help. 

This is like MAFIA... .I have never been able to use the accounts, see statements ( they keep billing fees to one card despite my being unable to use it ), I can not USE, ACCESS or even CLOSE THE ACCOUNTS... this is like mafia... They do not allow me to access, view or close an account ... yet they bill me and can easily impact my credit report by reporting to it. HORRIBLE CUSTOMER ABUSE BY BarclaysUS.
Consumer complaint received 2018-12-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IA)

I just received another notice from USAA which clearly shows that they have no idea of what they are doing. They are misrepresenting my second payoff check as a request to reapply the amount to my loan. It was the loan payoff check that I was forced to resubmit because their personnel could not read and match the loan number on the original check with their own loan statement payment coupon which was mailed with the original loan payment. A payment they clearly received in time to make an earlier payoff, since they returned that original check to me. Their own rejection form ( all of which has been included with my previous complaints [ # XXXX and # XXXX ] ) falsely claims the payment was rejected for missing/improper loan identification number. Their inability to admit to their own negligence with such messages is becoming a harassment. What is it going to take to straighten these people out?
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NH)

My issue started yesterday, XX/XX/. I was trying to log into Venmo via my desktop device and had to reset my password because I had forgotten what the original password was. After following the prompts and successfully resetting it, I then attempted to login on both my desktop and XXXX app to no avail. I kept getting error codes reading " XXXX XXXX : Unable to complete your request. Please try again later. '' After multiple password reset attempts, the errors remained the same. 

At this point, I tried to contact Venmo 's customer support. Their phone number only rerouted me to their customer support site which suggested articles to help solve the issue. There are no customer service representatives that I've been able to talk to or be assisted by directly. None of the articles address this specific issue. I ultimately sent a response back via email to their customer support requesting further help. It has been 24 hours and I have not received any response back from them, and am still completely locked out of my account. What's worse is that my account currently holds {$420.00} that I'm unable to access due to this situation. It is frustrating to say the least, and I've been reading other stories online from people who've encountered the same problem with Venmo and there is no concrete solution that has been offered, other than to issue a formal complaint here through CFPB. I don't know what else to do at this point.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-08-30
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. (CA)

My credit report is showing late payments on the accounts listed below. 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 a customer service representative. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. The rationale behind the inclusion of late payment remarks on my accounts eludes me. In accordance with 15 USC 1666b - Billing Error, any inaccuracies should be addressed promptly.
Consumer complaint received 2023-10-29
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: WELLS FARGO & COMPANY (AZ)

A dillards charge account was opened, someone changed my email address and address on my XXXX XXXX XXXX and had a new card sent out of state, and someone use my social to make a purchase on my XXXX account Im a victim of identity thieves in XX/XX/2018 someone from another state XXXX miles away stayed a hotel my bank refused to provide me a credit back for XXXX
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.
Consumer complaint received 2024-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I had being charged an amount of {$14000.00} which does not belongs to me. This service was provided to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX transferred this information to a collection agency ( Gulf Coast Collection BU ) here in XXXX, Florida. The collection agency contact information is XXXX ( XXXX ) XXXX, and the account was reported on XX/XX/2023. I also contacted XXXX XXXX XXXX, letting them know about this, and they said they will resolved this issue, but nothing happened. This debt is still reflected in my credit report. I think that this is a fraud committed by XXXX XXXX XXXX, here in XXXX, Florida I would like to resolve this issue as soon as possible. 
Thanks
Consumer complaint received 2023-09-21
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I am currently in the process of buying a house and needed to take care of my Synchrony/Discount Tire Credit Card . I was only notified when I was trying to pay my balance in full that my account was charged off to XXXX XXXX XXXX. I was never contacted to show that this company was now in possession of my loan. Once I spoke to XXXX XXXX on Monday XX/XX/XXXX and paid the account in full, I received a Release of Debt letter the day after through email. I then asked if there was somehow this could be sent to Synchrony by electronic letter and was told yes. I spoke to someone else and they said that this was false information and that it could take up to 60 days for Synchrony to receive the information that the account was paid in full. I then spoke to Synchrony and they said that they could not speak to me because my account belonged to XXXX XXXX even after my account said closed on the XXXX portal. I asked who I could send the Release of Debt letter to and they said they could not help me answer that. Between both companies, I have been left with unanswered questions and now I am at a stand still. If it is closed with XXXX XXXX and with Synchrony, who does this account belong to? This account needs to be shown that it is paid in full on my credit report and I was given a timeline of up to 60 days for Synchrony to receive the information and that it could take Synchrony 30 days to report to the credit bureau. I am needing this information to show up on my credit report in time for a credit repull on XX/XX/XXXX. Please help me expedite this release of debt to reflect on my credit report.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Submitted FTC Identity theft fraud affidavit prior. Transunion has not deleted inaccurate information within 72 hours per the FCRA of receiving my identity theft affidavit. Account as a result of fraud is reporting inaccurate addresses in Idaho not associated with my personal information. Accounts that resulted from identity theft are XXXX XXXX XXXX and XXXX. The accounts were re-inserted after being deleted due to prior identity theft affidavit 's with the same account numbers, same account balances, and same account open dates. This is a re-insertion violation by the FCRA. Both accounts are reporting or have reported inaccurate addresses. Transunion is also required by the FCRA to notify me, the consumer, of the removal of blocked items previously. I was never notified of the re-insertion and removal of the block, after these items were previously deleted and blocked. See 15 U.S. Code 1681 ( 5 ) ( ii ) " Notice to Consumer ''
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/24 my American Express Serve Account was compromised and hackers were able to change my password and gain full access to my bank account. There were twenty {$40.00} unauthorized transactions made totaling {$800.00}. To date I have been in contact with AES and no resolution. It was no fault of mine but due to their negligence of not keeping my account protected per the bank agreement hackers gained access. I have bills to pay and again to date no refund & no resolution. I have been a government employee for over 30 years and a customer of AES for over 15 years. It's with total disbelief AES would allow this to occur as I am dissatisfied with their services. When this is resolved I will be closing the account as AES no longer see me as a valuable customer.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX reported a {$720.00} debt on my credit report unlawfully. It took me a half dozen phone calls to this company till they could even find this alleged bogus debt. XXXX in XXXX said it was for a debt owed back in 2015. When I tried to request documentation XXXX became threatening and hung up on me. Comes to find out XXXX in XXXX buys XXXX XXXX. XXXX XXXX XXXX doesn't send any letters to notify you of their intentions, according to XXXX they don't have to. He did claim they did call my job once but I have no recollection that call. The scam is they put it on your credit report then try and shake you down from XXXX for cash to remove it. These are for debts that have long been charged off after 7 years. This is so illegal in the XXXX. 

In spite of this Experian refuses to remove this false information from my credit report or require XXXX XXXX XXXX to validate this debt by producing any validation of the debt or even the date of the last payment.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (FL)

I called my bank Axos Bank to fix a dispute from XXXX XXXX in which the funds were withdrawn from my account but XXXX did not disbursed the funds to the receiver. The receiving bank refused the funds. XXXX owes me a refund but did not provide it to me. I tried contacting XXXX several times but hard to get a hold of a rep and calls got disconnected. I contacted Axos bank to try to resolve the dispute and I was discouraged by the reps helping me on initiating a dispute. I was told is no many ways to go back to XXXX and to solve it there that the bank would not do anything in these type of cases and was not a good idea. I was upset and surprised. I told the reps that if they did not solve my dispute or started the dispute that I would file a complaint.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (WI)

Account # XXXX I've called multiple times XX/XX/XXXX I called to make a payment of XXXX then on XX/XX/XXXX a payment of XXXX which was authorized. Then on XX/XX/XXXX they took XXXX which I did not authorize now on XX/XX/XXXX I called to make a payment due to them not letting me pay online or viewing my account they are stating that I owe over XXXX which is incorrect considering I payed XXXX in the previous week 's mind you this was a XXXX loan that was taken out in XXXX of XXXX. By me not able to login to that account I can't view anything they claim it was due to me filing bankruptcy but I wanted pay them so I am attempting to pay them don't deal with speedy cash they are crooked.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As stated in previous correspondence dated XX/XX/XXXX I received a copy of my Transunion consumer credit report and found the following item ( s ) to be in error, inaccurate, and unauthorized. : 1. The inquiry was not authorized XXXX Date of inquiry : XXXX  2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XXXX  5. The inquiry was not authorized XXXX Date of inquiry : XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XXXX  7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX 9. The inquiry was not authorized XXXX Date of inquiry : XXXX 10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX Date of inquiry : XXXX
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

CCS Collection had bypassed this essential step. They placed a collection account on my credit report without sending me the initial notice that typically includes information about the debt and the consumer 's rights. This omission robbed me of the chance to assess the claim 's validity, dispute the debt if necessary, and request validation to verify the details of the alleged debt. 

By neglecting to provide me with the opportunity to dispute or validate the debt before reporting it to the credit bureaus, CCS Collection not only impaired his creditworthiness but also, more critically, may have acted in violation of the FDCPA. The act explicitly requires debt collectors to uphold practices that respect the consumer 's rights and ensure the integrity of the debt collection process. 

I have documented my findings and prepared to engage with legal counsel to address this possible infringement of my rights. I understand that the path to rectify this might be challenging, but I also know the importance of standing up for my rights and ensuring that debt collection agencies like CCS Collection operate within the legal boundaries set by the FDCPA. 

I have also attached a cease-and-desist letter and have requested the CCS remove the account from my credit report.
Consumer complaint received 2024-01-19
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: Continental Finance Company, LLC (TX)

OnXX/XX/XXXX, a credit alert informed me there was a collection account added to my credit report. I called the organization to inquire about this debt. I was informed the debt was for a XXXX XXXX. I informed the representative the account was paid, and was informed that I was correct. I then requested a letter from their organization confirming the account was not written off, and currently have a XXXX balance. On XX/XX/XXXX at XXXX XXXX, I received the letter as discussed, reflecting a {$0.00} balance with no money owed to the reporting company,
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

I have been disputing incorrect fraud related information for almost a year. Sent I. The ftc reports and told them I wanted the information blocked and removed they will not remove it and it has now been over 35 days and I have heard nothing since I sent the last letters which would be 6 letters of dispute and 100 online disputes and 3 phone disputes
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (TX)

An account was opened on XXXX for a student loan that I had no knowledge of, I never agreed to a loan in my name and was not given any paperwork to show proof of ownership of this account! I would like accurate proof to verify that I consented to having a student loan opened in my name '
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (TN)

I recently noticed an inquiry on my credit profile from Ally Financial. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one. 
Remove this erroneous inquiry from the credit bureaus immediately.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I pay my bills religious on a monthly basis. Capital One is always a bill and pay through the Capital One app. ** I was alerted by XXXX credit report before Capital One notified me that my monthly payment processed through my old XXXX XXXX XXXX  account. I have no idea how they got this information and I refuse to take any financial and credit score hit for this!!
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXX  {$1000.00} XX/XX/XXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.