davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IN)

XXXX, XXXX, & XXXX all show that I have two collections on my report. 

XXXX Original Creditor : Capital One Bank USA Balance : {$1700.00} Account # : XXXX Collection Agency : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX XXXX Account XXXX XXXX Original Creditor : Capital One Bank Balance : {$1700.00} Account # : XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Account XXXX XXXX XXXX Creditor : Capital One Bank Balance : {$1700.00} Account # : no account # given Collection Agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX No phone # given Account ID XXXX XXXX All of the contact information for the Collection agency differs from bureau to bureau. No information is the same. When I called each number listed and spoke to an agent they weren't able to locate any of my information or debt owed. I'd notify them that I had the actual account ID to each bureau they report too & I'd get hung up on, every single time. 

Same goes for the other Collection Original Creditor is Credit One Bank XXXX : Account # XXXX Balance : {$1100.00} Collection Agency : Resurgerecve ( how it's spelled on report ) XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Account # XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Experian Account # no account listed Collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Notice the phone # from XXXX on Collection # XXXX and the phone # from XXXX on Collection # XXXX that they are a MATCH. Different company names, same phone #. Same goes for the address on XXXX on XXXX # XXXX and XXXX on XXXX # XXXX, are a MATCH, different phone numbers, same address. 

Same thing. No account information can be found by any of the above listed Collection Agency on my account. 

If you look at my creditors you will see Credit One Bank XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Address matches exactly with the Collection Agency aka RXXXX XXXX XXXX XXXX XXXX 

How can a Creditor sale accounts to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Multiple different names, addresses, phone numbers, and states that they say are not the same entity.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

i did a credit report and found 2 accounts in my name ( chase card ) ( XXXX XXXX ) and immediately reported it for fraud i was told they would investigate it and get back to me this was in XX/XX/2018, i never heard back so i called again, during this process i discovered that my estranged brother XXXX XXXX admited it was him using the card in my name. so we both got on the phone in a conference call explaining the situation he accepted responsibilty for the fraud. chase told me they would do investigation and contact me back, in the conference call my brother XXXX XXXX took responsibilty of the charges so chase said they would contact me back, so 2.5 months go by i never here anything on the investigation i call back to find out the status chase told me they will re open the account and then send a transfer of liabilty form for both of us to sign this was on XX/XX/2018 2.5 weeks later i called to find out where the forms where to sign and nobody i spoke with knew what i was asking i was transferred around for over a hour speaking to several people and finally i spoke to a XXXX employee id # XXXX at chase he said the last person that told me they would allow transfer of liability was incorrect in her statement to me i asked for her info or employe id # XXXX told me he couldn't give out this info without a subpoena, so on XX/XX/XXXX XXXX again told me i had to contact another department called the lending department at XXXX i spoke to a receptionist and said i would have to leave a messge for someone to call me back within 24 hours as of today nobody has called me back XXXX-18. i have been constantly mis lead by chase time after time. i dont think they have people or staff that want to help or know how to help me, i am so frustrated they make statements but nobody follows up on them or does anything and now my credit rating is getting hurt because nobody can help with incorrect information. 

i have filed a complaint with XXXX XXXX and my local police department police department report number XXXX XXXX police dept XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX officer XXXX XXXX XXXX dispute # XXXX i want to file a complaint against chase not wanting to resolve or do anything affecting my account XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX
Consumer complaint received 2023-04-21
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Around XX/XX/2019 a wells Fargo employee did A fraudulent wire transfer out of my account I wrote complaint and I still didn't get my XXXXso I closed my checking account with Wells Fargo and mi e you I was with them when they were Wachovia And when the pandemic happened they did fraud
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc. (GA)

On Sat XX/XX/24 I purchased a service through Google Play called XXXX music through my XXXX XXXX XXXX banking which they also confirmed for me on Mon - wed the company received the money it's not on there end the problem and that I need to contact Google again for the issues. Which I did over the course of the week but to no help I couldn't reach a single soul to help with my issue either nobody could take my call or email would be sent in business days. But during this time there still trying to charge my card after explaining about this through live chat and email. Today they cancelled service and refuse to give me full refund after showing it's not my mistake but yours.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (AZ)

I recently discovered several accounts on my credit report that are inaccurately reported. These accounts include a collection account with XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and charge-off accounts with XXXX XXXX and 3 different accounts with JPMCB CARD. I want to emphasize that I do not owe any debts associated with these accounts, and they should be promptly removed from my credit report to reflect accurate information. I believe these inaccuracies are damaging my credit score and financial reputation unfairly. Your assistance in resolving this matter would be greatly appreciated.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (GA)

My name is XXXX XXXX. I used my Navy federal credit card at XXXX XXXX and nail shop. When I realize the card was lost, I advised Navy Federal and reported the card lost. They are they told me I owe {$5100.00} plus {$20.00} or XXXX XXXX of the outstanding balance, whichever is greater. I only made two charges the XXXX XXXX change and nail shop charge. Navy Federal policy is that if you didn't have the change the have a XXXX Liability policy ensures that you won't be responsible for false charges toy your account. That are not following there policy. They also tacked on extra {$2000.00} to the bill. This is unacceptable. I have tried calling them they won't even answer return the call. They just want to talk via I message. Please help!
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Google Compare Credit Cards Inc. (FL)

Basically Google0XXXX use their platform to foster unfair advantages thus Anti-trust Wish to Be Added To Lawsuit Florida : XXXX Indvidual Capacity XXXX XXXX XXXX. My channel was deleted to to and unfriendly response from a disgruntled management XXXX. My views and opinions count, my community get new sponsors I don't XXXX. I have a real reputation the big tech industry copy trends XXXX. XXXX Google has sent me crypto-currency agents to boost their income, not cant get back. 

Google lost an antitrust lawsuit over barriers to its XXXX app store, as a federal court jury has decided that the company 's payments system was anticompetitive and damaged smartphone consumers and software developers. It's a blow to a major pillar of Google 's technology XXXX. 

The CSC office in California is located at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If service by personal service is permitted, you can serve Google at the following address : Google LLC C/O Custodian of Records XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX has been using our money to live a fantasy life, and she owes money for crypto-currency investment of {$55000.00} from an investment of XXXX. Together are sexist thinking that men are all fools. This is extortion, we asked who owned the accounts, we asked for our money back, law-enforcement don't do anything your so corrupt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

Capio Partners # XXXX {$240.00}. 
These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (NY)

Google play has a lot of fraudulent games online. I did my tasks to get {$200.00} into my XXXX account & the game wanted me to watch 40 videos. While there is a countdown to get my money. Watching 40 videos was not mentioned in the beginning. I have screenshots as proof each tasks. I have 20 screenshots more if needed I completed the 3 tasks
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (LA)

I've been trying to access my balance but google wants me to verify my payment method. When I try it tells me that the verification Link is expired. Ive contacted them at 20 times already. They escalate it to the " specialist team '' who do nothing. They are no help what so ever. Most of the time they don't even listen to what you're telling them or look at the screenshots they ask you to provide. This is beyond ridiculous that no one puts this company in their place
Consumer complaint received 2023-04-21
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 (CA)

Dear Sir/Madam, I am writing to you to express my deep dissatisfaction with the permanent limitation placed on my PayPal account . I strongly believe that this limitation has been placed in error, and I would like to appeal this decision. 

Firstly, I would like to assert that I have not violated any PayPal policies. I have always conducted myself in a lawful and ethical manner when using your platform. I take great care to ensure that all of my transactions are legitimate and comply with all relevant laws and regulations. 

I understand that PayPal has strict policies in place to prevent fraudulent activity, but I assure you that I have not engaged in any such behavior. I have always used my PayPal account in good faith and have never intentionally violated any of your policies. 

Therefore, I would like to request that PayPal re-investigate my case and restore my account if possible. I believe that a mistake has been made, and I am hopeful that a thorough review of my account will prove my innocence. 

I would like to take this opportunity to provide my email address, which is XXXX. I kindly request that you contact me at this address to provide me with any updates on the status of my appeal. 

I thank you for your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-30
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. (WI)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX accounts as follows # 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 a right to privacy.

15 U.S.C 1681 Section 604 A. Sections 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-21
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. (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (TN)

XXXX suspends my google pay fa no reason abd i have money in account its a error on they end when u fill out fourms u get a email message from google pay support and automsted message saying u fiiled out wrong form no matter wht whit proves they system is automated and has no real people trying fo fix simple issie i uploaded identification and payment proof plus yall hold my money which is not legally yalls ground for a big law suit
Consumer complaint received 2023-04-21
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I bought a new ( used ) truck in XXXX of XXXX and had an accident that resulted in the vehicle being totaled out by the insurance company. Capital One was the finance company. In XXXX of XXXX I got a bill stating the payoff balance was {$200.00} and the payoff was good through XXXX. I paid the {$200.00} on XX/XX/XXXX before the payoff expiration date, and it cleared my XXXX XXXX XXXXXXXX account on XX/XX/XXXX. I received a " PAID IN FULL '' notice from Capital One on XX/XX/XXXX. Then, on XX/XX/XXXX, I got a new bill from Capital One with a new payoff balance and payoff date. Capital One can not keep adding a balance to my account. XXXX paid them off and now they have reported to the credit agencies I never paid my bill which is incorrect and I want this resolved. I disputed this with XXXX, XXXX and XXXX and XXXX far XXXX, despite the supporting factual documents I have submitted, has not changed any of this info on my credit report. I need help fixing this. Thank you for your time.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Google Compare Credit Cards Inc. (DE)

Event date : XX/XX/ Entity : XXXX XXXX XXXX Ticket number : XXXX Account number : XXXX Our mobile app XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was suspended from sale on Google Play without giving us an opportunity to comply with the Google Play policies. Our app has been on Google Play for over three years, and we have been compliant with all requests from the Google Play App Review team.

As a long-time partner, we have always held ourselves to the highest standards and never meant to go against your policies or mislead our users. 

We are committed to comply with Google Play policies but we have never been given an opportunity to comply with the policy, instead our app been just removed from sale causing over {$500.00} 000 damage due to the cost of product development as well as lost revenue from subscribers that were generating over {$15.00} 000 monthly. 

We would greatly appreciate it if you could provide us with more information so that we can address and fix this as soon as possible. To prove our intentions we have prepared a build of the app that makes the app free for users while we fix the outstanding issues. Please let us upload it and re-instate the app after your cautious review. 

Best, XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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. (MI)

Bad credit refers to a person 's history of not paying bills on time and the likelihood that they will fail to make timely payments in the future. For individuals it is often reflected in a low credit score. Having bad credit makes it difficult to borrow money, especially at competitive interest rates.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Google Compare Credit Cards Inc. (WI)

On XX/XX/XXXX I initiated a transfer of {$700.00} from my bank to my Google Pay account. It should have been 3-5 business days. The app said it would be complete XX/XX/XXXX which I'd ridiculous as an ACH transaction is pretty much instantaneous these days. I contacted Google Friday and Saturday to see why my balance was still {$0.00}. I was told the transfer was declined and the funds being returned. They would not provide a reason as to why. I still do not have my money and have been flat broke with an overdrawn checking account for almost two weeks now because I foolishly XXXXthis would be a simple quick and easy process as most banking transactions are. I don't know what to do or where to turn
Consumer complaint received 2023-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Re : SS # : XXXX Good afternoon : I have reviewed my credit file and there are several discrepancies that need to be updated immediately beginning with my XXXX XXXX- there 5 accounts that show " potentially negative '' with a XX/XX/XXXX date that I am certain have been hacked along with several others that show this date. Now, these accounts have never been more than " in good standing ''. I called XXXX today and they indicated they have never changed the status of my accounts so I am asking that this information be changed to report correctly. 

XXXX account is a third party collection agency. The original account is almost 25 years old ( XXXX ). Please remove it immediately. 

XXXX XXXX - ( XXXX  XXXX ) was included in a past bankruptcy and should not be on my credit file at all. 

XXXX IS A SCAM -- REMOVE IT NOW. 

Lastly, the credit bureaus are not reporting accurate information as I received an email stating my credit XXXX score increased and within an hour Experian aimed back that it changed. This has been going for months sometimes the score drops more th. XXXX points. How? Is that possible when I've never seen more than XXXX point increase. Not just experian... XXXX and XXXX too. 


If you have any questions, please contact me at XXXX. Furthermore, if these requests require disputes -- I am disputing them and they should be resolved in a timely manner. 

Thanks, XXXX XXXX XXXX Confidentiality Notice : This e-mail message is intended for the recipient named above. The information contained in this email is confidential and/or proprietary to above mentioned parties.The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
Consumer complaint received 2024-01-18
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: MOHELA (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that 1 was in fact a victim of this data breach and XXXX has done nothing. 
Please help me delete these illegal accounts from my credit reports. 


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