davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On Tuesday XX/XX/2021, I was notified by email by Capital One that activity on four of my bank accounts XXXX one checking and three savings accounts ) was being restricted due to suspected unusual activity. I was provided a reference number of XXXX. The email stated, We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. Shortly thereafter, I received another email stating, We may contact you to confirm this activity. We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. I have since contacted the telephone number provided ( XXXX ) several times to learn that this action was prompted by a direct deposit of {$12000.00}, the proceeds of a SBA Payroll Protection Program ( PPP ) loan, being deposited into my account. As far as I can ascertain Capital One objects to this deposit coming into my personal checking account. I am a sole proprietor and was unaware that I could not use my account for the limited business activity that I have. I have offered to open a business checking account at Capital One to resolve this matter. I have been told that this matter is being investigated by a fraud investigator under XXXX # XXXX. No one has contacted me about resolution of this matter and I have not been able to contact the investigator. 

It has been 6 days since I have been informed that my accounts have been restricted. Not only do I need the PPP loan proceeds but I need to access the funds in my accounts. Capital Ones actions are creating a severe hardship for me personally. I need to get this matter resolved as soon as possible. They have no right to restrict my access to the loan proceeds and my account funds.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please help me with accounts that I do not recognize. I just found these items and I want to inform you officially that these accounts are not mine. I am victim of identity theft and I want to complain on these items. I just can not move forward in my life due to this situation and I consider it as violation because these accounts are not mine. If you can please remove them from my profile after verification.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a Capital One Credit Card holder with the same card since XXXX. Since then I have started to use credit cards less because of my financial situation. I actually don't use this credit card at all for the last two years. I have called them directly multiple times in the last three years to downgrade my current card that has a {$59.00} annual fee to another card with no fee. They have multiple cards that they can downgrade me too with no fees. This downgrade would allow my to keep my 14 year credit history with this card. 

For the last three years, I have called them prior to my annual fee anniversary to either downgrade my card. They have always said there is " No Downgrade Promotion '' right now but check again later. I feel this is a scam where they are holding my credit history XXXX for $ XXXX. The only way out is to cancel the card and let my credit get a hit. 

Here is the scam : They said that sometimes they're supposedly " upgrade/downgrade '' promotions by the marking department that is released, but they don't tell consumers. You have to call them to find out about them. Also these are time sensitive promotions. So unless I call EVERY DAY, I probably missed it. I have never heard of a promotion to upgrade/downgrade in the three years I have randomly called them. 

On XX/XX/XXXX, I called knowing XX/XX/XXXX was my card anniversary and the day before the annual fee was posted. They said I have to call after XX/XX/XXXX, because they can't help me till the annual fee has been posted. On XX/XX/XXXX I saw that my annual fee was posted online. I called and they said I should had called before the posting, because the agent would had checked if there was any pre-anniversary offers. What? But I did! 

They advised me to use the credit card to offset the {$59.00} annual fee by earning points. At XXXX cent per point, I have to spend {$59000.00} to cover my {$59.00} annual fee!!! This is highway robbery! PLEASE LOOK INTO THIS!!!! This is so wrong, they are taking advantage of consumers via a technical loophole. 

I have companied to the XXXX and gotten my {$59.00} annual fee back for this year. But, I want a down grade. I don't want this to happen to other Americans. They are holding our credit history as ransom for the cost of the annual fee! There is no way you can downgrade your card because the process of downgrading is purposely made difficult if not impossible by Capital One. The longer you are with the company, the more likely you are to pay the fee to keep your credit history. It's an ingenious trap and so so wrong.
Consumer complaint received 2016-09-18
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (TX)

American Express put a charge off on my credit for a credit card that I am still paying on and have never missed a payment. First of all, the card I received was not the card I applied for. Once I realized that the card required full balance payment every month, I owed XXXX. 
I then contacted them and set up a payment plan. I have been paying on the plan every since and on time!
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I received a text stating : This is an automated message- Last attempt!!! this message is intended for XXXX XXXX. Complaint in process of being Filed out of XXXX. Please contact Issuing Firm at XXXX / Reference # XXXX I called the number and we got into a heated conversation with someone claiming to be Mr. XXXX. 
He threatened me with a law suit. When I accused him of a scam, he read out my Social Security number and my date of Birth and my current residential address. He then threatened me with knowing all of my personal and financial information ... 
I don't know if I should now cancel all of my credit cards : change all of my passwords with my banking and stock trading platforms ASAP .... I feel like my whole self and family are now in danger of being scammed or in danger ...
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (IL)

They rtreatened and sued me for the amount owed even thou the debt it not valid. it is old. The lawyers they hired are very rude and my payments never go through.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It 's My understanding that Equifax will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate Account name XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (NY)

XXXX has posted an allege debt of {$230.00} on my private personal consumer report held and shared by Equifax and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. Equifax and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
Consumer complaint received 2021-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (UT)

The website frequently does not operate. Going to make a payment will result with zero loans showing, unable to view past statements, and unable to make a payment. This has repeatedly happened. Several payments have posted late for the reason of the website not functioning. 

I have tried multiple browsers. Including, XXXX, XXXX, XXXX and XXXX.
Consumer complaint received 2021-05-16
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: Experian Information Solutions Inc. (CA)

I am the victim of identity theft and fraud. FTC Report Number : XXXX I sent out 605b and Notice to Furnishers 67 days ago informing all parties of the activities.

While Experian has made some effort to make corrections they have not made all of them. 

Similarly XXXX  has made some corrections, but not all of them. 

XXXX  has made no effort. In fact, unless I pay them {$24.00} I'm unable to even obtain my credit report directly from them. Similarly, during the worst of the fraud that peaked over a weekend, they stated they could only lock my credit if I paid them a {$24.00} fee. To this date they are difficult to work with, to XXXXhe point I have had to copy and paste sections of the FTC report into my public comments to show proof to potential lenders that I am at my witts end notifying them and they simply deny that I am and typically hang up on me. I have over 20 recorded phone calls to them and although I realize the calls are not admissible in court, they offer some satisfaction that I have some level of evidence of their disregard for consumer data. 

Credit inquiries I have disputed and the bureaus have not removed/removed all of ( in addition they have failed to provide the names of persons spoken to, the dates and times they allegedly spoke to them, the organization 's name spoken to, copies of my signature authorizing these inquiries, or ANY evidence they even did a legitimate investigation other than Equifax somehow magically finishing their investigations on the same day XXXX disputed the inquiry ... even if I disputed at XXXX at night! ) : XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, EXPERIAN XXXX XXXX, XXXX, XXXX Addresses I have disputed within the FTC report to no avail or detailed evidence of investigation provided including my signature as proof the account is mine : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (MA)

On XX/XX/2021 I proceeded to send {$6000.00} dollars to my father in XXXX using REMITLY. I sent it using their app. I sent it using the Express option which guarantees a fast delivery, usually within minutes. The money was due to be delivered on the same day XX/XX/2021 but up until the filing of this complaint ( XX/XX/2021 ), the money has not yet been delivered and it reflects on the app as " IN PROGRESS ''. The transfer reference number on this as provided by REMITLY on its app is XXXX XXXX XXXX XXXX. 
I have called the company numerous times after the XX/XX/XXXX date but I have been given the run around each time with reasons such as " tomorrow is a holiday and we won't be operating tomorrow, kindly check back the following day '' to " the issue is with our partner bank '' and other nefarious petty excuses. Upon a simple internet search of the company, I was able to find that other numerous consumers have been reporting similar complaints against the company with most ending up being defrauded of their hard earned money by this company. I wish I had done this XXXX  search on them before doing business with them. 
This company is a scam and a fraudulent company that operating as a company that sends money internationally but ends up stealing a percentage of it's consumers monies. I believe they escape detection by ensuring the amount or the number of consumers they defraud remain below a certain amount to avoid being on the federal government 's radar.
Consumer complaint received 2023-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques (CA)

Clearly Harassment and emotional XXXX. This has been going on for years. I went back, I have been dealing with this for years the last time they contacted me AGAIN XXXX, XXXX on and on and on. The statue of limitations is over. This was closed and then taken of my credit report. This is truly sad. They have nothing but, harass people.
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (AZ)

XXXX. I purchased goods from a vendor on XX/XX/XXXX for {$290.00}. The purchase was paid for through my PayPal account which is tied to my checking account. The funds were withdrawn on XX/XX/XXXX. 
XXXX. The order was cancelled by the vendor on XX/XX/XXXX. 
XXXX. By XX/XX/XXXX the refund had not shown up in my checking account and I contacted PayPal. PayPal advised that the refund had been issued to my bank. 
XXXX. On XX/XX/XXXX I contacted my bank ( as was suggested by PayPal in their chat response to me ; see the attached documentation ) to determine the status of the refund from PayPal. My bank stated that there was no record of PayPal having issued any transactions to my account, pending or otherwise, and at their advice, I opened a dispute. In conjunction with opening the dispute, my bank issued to my checking account a temporary credit while the dispute was investigated. 
XXXX. On XX/XX/XXXX a credit from PayPal appeared in my checking account. 
XXXX. On XX/XX/XXXX I became aware ( when reconciling my account statement ) that the PayPal credit had appeared in my account and proactively notified my bank of the fact by telephone. My bank closed the dispute. In conjunction with closing the dispute, my bank issued to my checking account a debit to reverse the temporary dispute credit that had been issued on XX/XX/XXXX. 
XXXX. On XX/XX/XXXX PayPal advised me by email that I owed PayPal {$290.00}. 
XXXX. After various communications with PayPal via their chat service and with my bank by phone, I was told ... 
a. by PayPal that I owed the amount because my bank had backcharged PayPal {$290.00} when I was issued the temporary credit, and since I was issued two credits I owed them one of the two. 
b. by PayPal that I could file an appeal at XXXX. I did so, noting that ( 1 ) the temporary credit had been reversed, ( 2 ) that PayPal had provided no proof that my bank had issued such a backcharge, and ( 3 ) they needed to take the issue up with my bank. 
c. by my bank that no backcharge was issued to PayPal, and as a matter of policy would not have been, since PayPal responded to the dispute within the 45-day dispute review period. 
9. Having sent PayPal two " appeal '' emails XXXX on XX/XX/XXXX and XX/XX/XXXX ) at the email address directed by PayPal, and ... 
a. having had no response to either email by today, XX/XX/XXXX, b. receiving more than 45 collection calls from PayPal, having directed in writing both through PayPal 's chat service and through email that communication needed to be in writing and to cease harassing calls, c. receiving numerous emails from PayPal trying to collect the {$290.00}, ... 
I am filing this complaint. 
Documentation of all of the above is attached.
Consumer complaint received 2017-09-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Called to apply for a credit card with Golden1 credit union, my main bank. Received a letter from Golden1 about a week later saying that I was denied for a {$20000.00} personal loan. I was afraid my identity had been stolen and called to shut down my debit card immediately. The next day I called Golden1 fraud services. They did an investigation and said that because credit cards and personal loans are initially processed as the same, that they had processed my credit card as a personal loan application. I was very upset and tried to explain that I did not apply for a loan and certainly was not expecting a credit card with a limit of {$20000.00}, which is one third of my gross annual income. I told them that this would negatively impact my credit score and was also inaccurately reported to the credit reporting agency as I did not apply for the loan. I asked them to contact the credit bureaus and correct the related inquiry to reflect a credit card application instead of a {$20000.00} personal line of credit. They refused and I issued a fraud alert with XXXX and XXXX. I would like to take further action to remedy my credit score and prevent this from happening to anyone else. I no longer trust credit unions and do not see them as a positive alternative to banks.
Consumer complaint received 2021-05-16
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 (OH)

i opened my paypal account and them i received my direct deposit. 
after that paypal put a temporaly limitation in my account and ask me for my document. 
my account was verify with my personal information and i did not have any fraud transaction or chargeback. 
i only receive my XXXX dollar and i couldnt have access to use my money. 
I try to resolve the problem with the company but nothing is work right now. 

i wish paypal tell me when they are help me to get my money fron my account. 
i need my money. 

my email addres is XXXX.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have two items in collections with Capital One, after reaching out to try to fix the issues I had given up. I was told a credit help company had made payments to Capital One and no payments are marked on the account. Recenly I was attempting to get a loan with a housing builder and was told that Capital One is still reporting late payments even though they charged off the account years ago and it was bringing my credit score down further than it should. I reached out to the phone support line but was unable to get anywhere, or receive help. I would like to talk to someone about resolving the issues at hand.
Consumer complaint received 2023-06-02
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. (MS)

You are in Direct Violation of The Fair Credit Reporting Act ( XXXXXXXX XXXX # XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.