davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX XXXX XXXX XXXX and LVNV FUNDING LLC XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XX/XX/XXXX and LVNV FUNDING LLC XX/XX/XXXX. Please see screenshot attached : Sincerely, XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (TX)

Improper use of my credit report. XX/XX/XXXX and XX/XX/XXXX these XXXX collections were added to my credit report. They have been reported improper information on my credit report.
Consumer complaint received 2023-05-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

This is from official documents of XXXX XXXX  XXXX XXXX ( my bank in XXXX ). XXXX XXXX  XXXX XXXX transferred my money to Bank of New York via two drafts, draft # XXXX for {$40000.00} and another draft # XXXX for {$20000.00}. Both the drafts were reconciled with debit to XXXXXXXX XXXX XXXXXXXX XXXX XXXX account by Bank of New York. I was not aware of these transfers and I never claimed my money from Bank of New York. My money is still with Bank of New York and I am trying to claim the funds. I tried many times to contact Bank of New York to get help from foreign transactions department but could not get through the recording and never could get a live person to explain my case. I do not know who should I contact in this mattter with Bank of New York to get help on this matter and get reimbursement. What can I do to get my money from Bank of New York? 
Please help me. Thanks.
Consumer complaint received 2023-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc. (KS)

On XX/XX/XX/XX/XXXX Paragon Revenue group agreed in response to consumer financial protection bureau complaint number XXXX to remove their collection from all credit reports and from their account. They are also responsible for notifying the original creditor of the complaint and the debt resulting from Identity Theft. Paragon Revenue group has failed to comply with its agreement. The collection is still on my XXXX and XXXX credit reports. With this complaint, I request that Paragon Revenue group comply with its original agreement to remove and block this debt and collection from my credit reports as well as provide me with proof of the notification and information sent to the credit reporting agencies.
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It has been XXXX  months since i have sent thid company a notice to opt me out of reporting the following account XXXX XXXX from my consumer reports. Please respond to my dispute I am tired of waiting for a response. All investigations must be done withn XXXX  days and at the very latest XXXX  days.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

CapitalOne recently changed the payment workflow 's " remaining statement balance '' option. The amount has now been modified to remove pending autopay payment amounts. When combined with the prompt they show, to cancel the pending autopay payment, during the Make Payment flow, this can result in the customer paying less than the full statement balance if indeed they cancel the autopay as prompted. 

This appears to be a modification whose effect would be collecting an interest payment from customers who intended to pay the full balance and failed to notice the inconsistency.
Consumer complaint received 2024-05-09
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: JPMORGAN CHASE & CO. (AL)

This letter is to formally dispute the debt you are attempting to collect from me. I am writing to inform you that your recent collection efforts have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your actions have violated the following provisions of the FDCPA : * **12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of violence. * **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt. * **12 CFR 1006.34 ( d ) : ** This section limits the number of times you contact me * Unexplained charges or fees added to the * Immediately cease all communication attempts regarding this debt. * Verify and validate the debt with documentation. * Remove any inaccurate information about this debt from your records. I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (CO)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXXXXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In Mid XX/XX/2018, I completed an application for the Capital One Venture Card with the following terms : 0 % interest for 12 months for balance transfers and no balance transfer fee. There was also a promotional rate for new purchases. I was approved for the card at the time of the application with a {$10000.00} credit limit. 
I went on line to complete a balance transfer and received a message that I needed to wait so many days to complete a balance transfer. I waited the specified days and returned to my online account. The balance transfer rate was 20 %. I contacted Capital One on several occasions towards the end of XX/XX/2018. On XX/XX/2018, I was told by the employee that I spoke with that I indeed did have the 0 % for balance transfer and new purchases. He told me that I could complete the balance transfer on line even though the other rate displayed and that the promotional rate would be given. 
In early XX/XX/XXXX I noticed that I was being charged an interest rate of 23.74 %. I have made multiple attempts to contact Capital One to have this issue resolved. 
I asked for the call at the end of XX/XX/XXXX to be pulled. Staff at Capital One acknowledged that one of their staff members told me that I indeed did have a 0 % promotional rate on balance transfers, however went on to state that the information he told me was incorrect and that they were going to use this a teaching opportunity for the employee. I was also told that since I could see the rate on line essentially that I am out of luck. 
I have refused to accept this as an answer. Two weeks ago on XX/XX/2018 I called and my call was transferred to XXXX in the executive office in XXXX XXXX, Nevada. She indicated that she would be handling my case, assigned case number XXXX and stated that she would call in 1 week with a status update. I did not hear back in the specified time and called on XXXX-I initially spoke with a XXXX on the east coast who diligently tried to assist me and transferred me to a supervisor who then transferred me to XXXX voice mail. I left a message and to date have not received a response back from her. I called again today XX/XX/2018 and spoke with a XXXX who told me that my case has not even been assigned. He kept saying that they are back logged and when one case is closed the next case is assigned. 
I am requesting that the call from XX/XX/2018 be pulled and the promotional rate be honored by Capital One. I have been charged in excess of {$200.00} in interest in 2 very short months with no action from Capital One. 
I appreciate any assistance in this matter. 
On another note Capital One has my SSN incorrectly listed. This was conveyed to XXXX on XX/XX/2018.
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TN)

Here 's a more formal, legalese version of the complaint : " I am hereby lodging a formal complaint against Cash App for the improper blocking of my account and the withholding of my XXXX funds. Despite my full compliance with their documentary requests, including providing all requested identification and verification documents, Cash App has failed to provide any mechanism through which I can access my funds. It has been nearly a week since the account was blocked, and I remain unable to retrieve my legally owned currency. I respectfully request immediate intervention to ensure access to my assets and a resolution to this unjust withholding of my funds. ''
Consumer complaint received 2023-05-06
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. (CO)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2023-05-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (HI)

I opened a savings account with Apple Savings using Goldman Sacs. I deposited {$49000.00} on XX/XX/XXXX. I then tried to withdraw {$11000.00} on XX/XX/XXXX as they advertised that you can do unlimited deposits and withdrawals unlike other banks. 

Then it had been 3 days and I did not receive it, I reached out and they sent me a rude note saying that I should read the XXXX XXXX  XXXX as they have 5 days. 

I wrote to them that I will no longer use them as it says 1-3 days for the funds to be sent. 

I then requested the remaining {$38000.00}. 

They then declined the withdrawals and when I call they say they can not help me and that I need to wait for someone to call me. 

This is theft. Please help me get my funds back.
Consumer complaint received 2023-07-14
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. (TX)

I dispute a account with petal/we bank and it was denied by Experian within days and this account is not open its closed and Im not interested of keeping this account open due to tons of interest and high annual fees and there dispute process takes too long .. Im asking this company to report my account as closed status XXXX Petal 1 rise
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I Called PayPal on or around XX/XX/XXXX when I noticed when my payments were not going to the promotional balances like they should have been. I had purchased multiple items over the months with the no interest for 6 months if purchase was above {$100.00}. Also had a purchase that had 24 months of no interest. I was making payments of {$200.00} a month for multiple months thinking it was going to the promotional balances that were to expire the soonest. Turns out they were putting all the payments to the 24 month no interest balance and none of it towards the other balances at all. I had well over a year still on the 24 month promotion to pay it off. while now I have less than 2-3 months to pay off the other promotional balances that should have been paid off already. When I contacted PayPal they told me I have to call every month after making the payment to put the balances towards the payments I want them to go towards. They do not automatically put it to the promotional balances that are about to expire. I asked them to move the payments to where I wanted them moved. Was told they could only move the last 2 months worth of payments towards the promotions I requested. So went ahead and did this. Was told it would take a few weeks to reflect on the APP. Thought problem was solved as best as it could be. My next Payment went through for my XXXX statement. So I checked my account to see that it still hasn't been updated or reflected on my account that they moved my funds to where I asked them to. So I called them up again, on or around XX/XX/XXXX. At this point the person told me it takes a full statement for the updates to reflect that I need to wait for XX/XX/XXXX for my updated statement to show that they did move the {$400.00} to pay off the balances I requested. I got my new statement and it is still not reflecting my balances as it should be. It is still saying my XXXX promotional balances are not paid for. While there is no way to know how to move my last payment around since even PayPal can't tell me what is or isn't paid for. I will attach my statements showing the promotional balances and how they put the payments towards the 24 month promotion and not towards any of the ones that are to expire sooner. Along with even after calling them over the issue and was told they would move the last 2 payments to pay off my Promotions expiring in XXXX that they didn't move the payments to pay them off, or has the reflection of been updated in over a month eve asfter being told it would be on my next statement.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX my XXXX XXXX account and XXXX  accounts were compromised. When I caught on i was able to change credentials and take matters up with my bank. However there were some funds in my XXXX  account totaling XXXX that i cashed out to my checking account to a total of XXXX. On that day a total of XXXX was taken from my checking account and out of that i was able to recover the XXXX and my back helped me with the rest. Now XXXX  has taken that XXXX back according to Bank of America theres a law that since the amount was deposited by them they can legally reclaim it. This is total XXXX  and the bank cant even dispute or nothing. This totally absurd and i want my money back. I have tried dealing with XXXX  and they are bigger crooks than the folks that tampered with my account initially.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc. (PA)

Accounts : XXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The Sayer Law Group, P.C. (NY)

On XX/XX/2024 I was supposed to receive my Federal Tax Refund of {$3500.00} from my XXXX XXXX XXXX Account. 
Sayer Law Group Took my ENTIRE Federal Tax Refund without ANY Written consent or warning. I was caught off guard and I would have Settled this Old Debt if it was handed differently. 
I asked XXXX XXXX to close my Account because at this point they are just XXXX Thieves. They Literally LOCKED ME OUT OF MY ACCOUNT AND SENT ME A CHECK FOR {$5.00}. They are missing the {$3500.00} TAX REFUND CHECK THEY TOOK FROM MY LIFE! I am a Tax paying Citizen and THEY NEVER GAVE me ANY NOTICE that they was taking my ENTIRE TAX RETURN. I just lost my job a week prior. I had NO phone call, email, or ANYTHING in writing saying they were collecting a Debt from a Credit Card closed over a year ago! 
I believe they are OTHER VICTIMS! 
When I called XXXXXXXX XXXX  they told me that this is Internal and that I should contact Sayer Law Group. I called the company and it just rang out. Sayer Law Group has collected a debt I believe illegally. The credit card I had from XXXX XXXX has been Closed for over a year. 
I also have had money in and out of the account that they didnt touch. This has ruined me financially recently. I Need my {$3500.00} back!! XXXX XXXX AND Sayer Law Group havent sent ANYTHING in writing to let me know they were collecting a Debt. And I am Locked out of my XXXX XXXX Account. 
I believe they are XXXX and I would NEVER recommend them to anyone.
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

Recieved a Fraudulent email from Zelle attempting to solicit payment of {$760.00} for Zelle Pay Shopping.from the following email address : XXXX XXXX at XXXX For the following Invoice/BillNumber : XXXX  Your Expenses : XXXX XXXX XXXX  in Bill # XXXX XXXX and Transaction Number : XXXX Email By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ] Customer Service Contact Number : XXXX ( XXXX ) XXXX XXXX