davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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 (CA)

On XX/XX/19, I received an email from Capital One asking me to verify my account for a Quicksilver Credit Card that I never submitted. I checked XXXX and the hard credit inquiry had shown up on my account as well. I called Capital One, and they told me the Quicksilver card application was marked as fraud. I also called XXXX and told them to remove the hard inquiry.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXt # 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, Has violated my rights.

15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2023-11-21
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 (NY)

Venmo froze my account and the contents of my wallet. I have given them the information they requested multiple times. They claim they suspended my account to protect me. My case number is XXXX XXXXXXXX All I want is for them to allow me to transfer out my wallet to my account at XXXX XXXX XXXXXXXX and then they can close my account. 

Their support team is overseas and they are not responsive. I am so unhappy please help their email is XXXX XXXX
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (FL)

I called the XXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NC)

I hope this letter reaches you in good health and spirit. The reason why Im writing is because I want to complain about when I call and talk to agents about my Discover credit card regarding the balance transfer what do I need to pay on top of the minimum payment to avoid interest they are not giving me the correct information. They are giving misleading, confusing and wrong information. Im really just calling to clarify to make sure so my payment I just made was {$150.00} the minimum payment {$130.00} plus {$20.00} of a purchase to avoid interest on this cycle of XXXX. I called to clarify one agent gave me the wrong information said I need to pay my full balance without paying attention to the details of my account so then I ask to speak to a supervisor told me that I needed to pay {$6000.00} and something but that is the balance transfer that is under no interest for a year with the promotion she also told me its hard to avoid interest on a credit card its always a chance you can get charged interest which that isnt true either. I got so frustrated I hung up the phone. I called back and requested to speak to a supervisor and she told me that in needed to pay the minimum payment plus the balance transfer fees and the transaction/purchases I made but I told her the fees were paid with the balance transfer which isnt due until a year from the balance transfer date to avoid interest. I believe the {$150.00} payment is correct but your agents and supervisors needs to be more aware of my questions and how balance transfer work with promotion plus transaction/purchases to avoid interest. I just wanted clarification and they confused the situation even though I believe I understand what Im doing and the very first agent that explained to me when I made my first payment of {$800.00} something right after the balance transfer explain to me correctly. The agents I spoke to that gave me different confusing information makes me not want to ever due the balance transfer again. I know my transactions/purchases have a promotion on the interest but I still want to avoid interest all together so I know I need to pay minimum payment plus anything purchases I made in that billing cycle and I just wanted to be reassured. Can you please clarify if Im doing it right and the payment I made for XXXX of {$150.00} is correct? I also want to complain that on XXXX my debt card with Discover was having technical issues I was not able to pay for my sons Birthday cake by XXXX XXXX certain time for a deposit on the cake for the specialty cake to be made and my sons Birthday was Monday XXXX and he turned XXXX. He was very disappointed. I been a customer for several years and I deserve great service. Hopefully going forward this will not happen again. Thank you very much for your time. Have a wonderful day and please continue to be safe.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (DC)

I have submitted proof of homeowner 's insurance on at least three different occasions, by phone, and online. After speaking with a XXXX specialist, by phone I was told that XXXX had my proof of insurance and that it simply needed to be 'loaded into the system. ' I continued to receive notices and again uploaded proof of homeowner 's insurance to their website. 

Today, I received a written notice that my HO6 ( Condo unit owner ) insurance has expired and they do not have evidence of my coverage. XXXX is threatening to purchase forecplaced insurance.
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (TX)

My daughter passed away and with funeral expenses I fell behind. I called to bank to make payment arrangements and was told no options it will be repossessed pay off loan entirely or make 4 payments of XXXX.
Consumer complaint received 2017-05-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

XXXX   XXXX  did n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practic es Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a  small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX , Experia n &   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to dispute the credit reporting practices of XXXX XXXX concerning my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). This letter serves as a formal complaint of multiple legal violations and a demand for corrective action. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : XXXXXXXX XXXX has failed to report accurate information regarding the status and balance of my account. The account, reported as a " Charge off / profit and loss write off '' with a balance of {$1700.00} and past due amount of {$440.00}, contradicts the legal requirements for charged-off accounts. 

Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated requests, XXXXXXXX XXXX has not conducted a reasonable investigation into the disputed information, as mandated by the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Attempting to collect a debt that has been written off for tax purposes, without issuing a 1099C form, constitutes a misrepresentation of the character and legal status of the debt. 
Case Law Precedent : Gugger v. USAA Fed. Sav. Bank : This case establishes that reporting a balance on a charged-off account is misleading and inaccurate. 
Demand for Statutory Damages : Under the FCRA, I am entitled to statutory damages of up to {$1000.00} for each violation by XXXXXXXX XXXX  The continued reporting of inaccurate information and failure to conduct a reasonable investigation constitute separate violations for which I seek compensation. 

Reporting to the IRS : I will be reporting XXXX XXXX XXXXo the Internal Revenue Service for attempting to collect a debt that has been written off for tax purposes, in violation of federal tax laws.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ATLANTIC UNION BANKSHARES CORPORATION (MD)

My mortgage company wrote off my mortgage back in XXXX when we filed for bankruptcy and reduced the loan on their books but did nothing on my end. They also did another write-off around XXXX. I still make monthly payments but can not get the history online. I never knew how they applied my extra principal pay. The last time they reported my loan payments on my credit report was in XXXX. Now they are showing up on my credit report. My husband recently had XXXX so I'm behind on XXXX payments. They have destroyed our credit by XXXX points. I have made copies of what I am able to see, there are no statements or history available, only the last XXXX payments. If the mortgage was uncollectable back in XXXX and XXXX how can they now destroy and post to my credit report?
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

for almost 2 years and in no less than 6 different instances i disputed inaccurate information to TransUnion complete with attachments of docs as evidence to support my dispute. on EVERY dispute TransUnion verifies the derogatory collection account as valid.

I've lived in California for several years including all time i disputed this info with TransUnion and I'm still a resident of California today..

the collection I've been disputing with Transunion is XXXX XXXX XXXX XXXX. they are a debt collector that bought this alleged debt Violation of the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) XXXX  IS NOT LICENSED TO COLLECT DEBT IN THE STATED OF CALIFORNIA XXXX  violated the RFDCPA by engaging in collection activities in California without a valid license As evidenced by an email sent by XXXX dated XXXX and again on XXXX proving 2 years of continued illegal collection activities in California ( See XXXX and XXXX  email XXXX )
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I had an inactive Citi American XXXX XXXX XXXX- which I have no activity on but have had since XX/XX/XXXX with no late payments. My credit report alerted yesterday that CITICARDS CBNA flagged my account as 90 days past due with a balance of {$170.00} and a " past due amount '' of {$82.00}. 

I had been getting robocalls claiming to be Citibank, but when I logged into my online portal it showed that I had one XXXX XXXX and the balance was {$0.00}. I disregarded the robocalls since there has been an increase in fraudulent calls recently. 

Today, XX/XX/XXXX, when I saw the credit notification I called Citibank using the number provided and was told that I could not see the account because it has been closed, but Citi had charged the membership fee to the card and I have been accruing interest and penalties. If I wanted it to stop then I could pay over the phone. 

I explained the situation, said I could not see anything ( even the account ) and told them it had been inactive for a long period of time. I was told that I had opted for paperless notifications at some point so I wouldn't have received any indication of the issues. 

As a result of this membership fee, interest accrual, and penalties on this previously inactive and now closed account, my XXXX score decreased by XXXX points. 

This feels incredibly predatory. I requested to speak to someone within the company to escalate the situation or to submit a complaint and did not get escalated or transferred to anyone else. Instead, I was just told the only thing I could do would be to pay the balance owed.
Consumer complaint received 2018-12-16
Product: Credit card or prepaid 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: Conduent Incorporated (MA)

Regarding XXXX XXXX:

On XX/XX/2018, I used my card at XXXX.  This was the last time I used the debit card prior to it getting stolen.

On XX/XX/2018, my debit card was stolen, most likely while I was at the gym because that is the last time I saw it.

On XX/XX/2018, I realized my debit card was stolen when I wanted to use it.

On XX/XX/2018, I called XXXX XXXX (which is serviced by XXXX XXXX) to report my debit card stolen.  This was within 48 hours of the card being stolen.  There was a total of $XXXX that was charged to my debit card by someone else.

On XX/XX/2018, I received a provisional credit while the investigation was going on.

On XX/XX/2018, a letter was sent from XXXX XXXX (XXXX XXXX) stating that they found a conflict of information provided by me and the information resulting from their research.  The $XXXX  was debited from my account.

On XX/XX/2018, when I received the letter, I called to request a copy of the documents used in making this determination and to ask specifically what was the conflicting information.  The representative said he could not provide a copy of the documents.  He stated that notes show that the card was lost on XX/XX/2018.  These notes are inaccurate.  I never reported that the card was lost on XX/XX/2018.  I shared that the last time I used the card was on XX/XX/2018, but I had the card with me until XX/XX/2018.

XXXX XXXX has based their investigation on inaccurate information and has not provided me with copies of the documents in which they relied on making a determination.  I am requesting that the fraud investigation be reopened and a determination be made based on accurate information.  My debit was stolen on XX/XX/2018 and I reported it stolen within 48 hours, once I realized it was stolen.

I do not believe that XXXX XXXX is following rules that protect consumers and treat them fairly.  I am requesting intervention from the CFPB.

Thanks,
XXXX
Consumer complaint received 2023-10-09
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. (KY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: First Technology Federal Credit Union (WA)

I requested a currency exchange with First Tech Federal Credit Union XX/XX/2023. They quoted me a value which I assumed to be reasonable ( {$200.00} USD for XXXX XXXX XXXX ), in addition to a exchange fee. I found out shortly after traveling the value they exchanged is roughly 30 % less than the current market exchange rate. Their exchange document which is unsigned, but has a clause which notes any differences in value will be kept, this was not mentioned when I completed the transaction. When requested to explain the discrepancy their response was : " Hello XXXX, just letting you know that our back office investigated it and saw no error with the exchange rate you were given for your currency exchange. The rates are provided to us every morning and they fluctuate daily, also the rate you find on XXXX is not true for all institutions. Individual institutions may have different exchange rates as well. Thank you for your patience with us and hope you have a happy holiday! '' This seems like theft?
Consumer complaint received 2023-08-07
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: CITIBANK, N.A. (NY)

I have unauthorized and unverified inquires on my XXXX  credit file. They are as follows 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 Each application was for pre-approval soft pulls and I didn't authorize hard pulls. I contacted each institution to ask why they pulled my credit, they responded that the applications were no longer in there system because it was more than 30 days from applications.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 : 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 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 


15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A : also states a Consumer reporting agency can not furnish an account without my written instruction.

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.
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX