davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (AZ)

I utilized XXXX for a hotel ( XXXX XXXX ) on XX/XX/21. I called XXXX re : deposit and was informed my XXXX XXXX  Visa could be utilized. When checking in, the front desk stated that the XXXXXXXX XXXX card is not accepted. The Front Desk clerk stated that I would not be charged by the hotel and they would notify XXXX to refund the {$240.00}. I then called XXXX on XX/XX/21 and XX/XX/21 and was told that they emailed Card.com to refund my {$240.00}. Card.com is stating I need to wait 30 days. This is not acceptable. They also made me file a DISPUTE TRANSACTION form and have not followed up on it.
Consumer complaint received 2021-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Sent letter to transunion received XX/XX/21 regarding bankruptcy on my file and TU replied XX/XX/21 bankruptcy was accurate. So on XX/XX/21 I sent request for the method of verification for a bankruptcy showing on my file and and replied on XX/XX/21 file # XXXX that it was verified by data furnisher which is XXXX XXXX. Went directly to XXXXXXXX to investigate and on XX/XX/21 XXXX couldn't verify the bankruptcy and deleted from there file. On XX/XX/21 sent infomation to transunion that there is no bankruptcy on my XXXX file that you must delete this information because its unverified. Sent letter from XXXX to confirm deleted information from there file, and on XX/XX/21 transunion sent letter with file # XXXX that information was verified as accurate. How after XX/XX/21 can transunion verify something that is not on XXXX file as accurate? Either they lied or never sent information to XXXX  for verification.
Consumer complaint received 2021-06-18
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: ProCollect, Inc. (TX)

Hi i submitted my police report to pro collect and ever proof that it was identify thief these people pro collect and XXXX  has not yet removed this they are sick and rude im about to sue them im tired to the point of they removed the eviction and blocked off my name then put it back on my name due to me not having a police report i sent both company 's my police report still yet they are not tryna remove it so is it anyway you guys can help because this identity used in my name.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX removed {$2500.00} from my savings account from a Wells Fargo credit card debt from XXXX. I am a single mom in between jobs and this was my rent $ $ $ and living money between jobs. They put me in a situation where I do not have rent money, food money, my car payment, and gas money to get to work. They removed money from my savings account after the stimulus was paid, and I received it back for the same reason. I put money in my savings in order to set it aside for rent/car/daughters tuition/etc. The debt came after a medical emergency and i plan on paying back but need this money back ASAP.
Consumer complaint received 2024-03-27
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. (GA)

I took a look at my credit report on XX/XX/year> and I noticed several inaccuracies on my credit report. According to FCRA Equifax is supposed to investigate this account for me and ensure 100 % accuracy. Here is the Account I am asking for you to verify. 
Account Name : XXXX Account Number : XXXX
Consumer complaint received 2021-06-18
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: Experian Information Solutions Inc. (CA)

There are 8 accounts on my credit report that do not belong to me in any way I have not approved signed or used these accounts on these off my credit report since they do not belong to me I have gone thru the bureaus and the furnishers and thye are not acknowleding me at all what can I do. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

I am not liable for this debt with XXXX XXXX  and I do not have a contract with CAINE WEINER plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$1200.00}
Consumer complaint received 2021-06-18
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: Experian Information Solutions Inc. (FL)

There are three accounts and two inquiries on my credit report that do not belong to me I have not signed or used or know what these accounst are for I need them off my credit report since they are not mine!!!! 

XXXX XXXX XXXX - Account XXXX XXXX {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX Amt {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX - Account # XXXX Amt {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX Inquiry date : XXXX XXXX, XXXX XXXX-XXXX  Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2022-04-18
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. (GA)

In Accordance with the fair credit reporting act. These Lists Of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX-acct # 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 XXXXXXXX XXXX Has violated my rights. 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2. It Also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (GA)

I am trying to refinance my manufactured home and the Property through XXXX XXXX. The title is under Freedom Mortgage. I want my manufactured home to be a permanent location of the property when it was provided to me by original owner. In additional, Previously, Freedom mortgage receiving my business, the manufactured home was a permanent location of the property when I got the loan, but Freedom Mortgage had separated the property and the home when I had financed it with them. On XX/XX/2020, I sent them the information from the DMV-Form ( T-234 ) Mobile / Manufactured Home Certificate of Permanent location is the name of the form. Freedom Mortgage had acknowledge they the received the form. So, they stated their legal department would handle the situation. So, from that I have been going back and forth trying to get this resolved with Freedom Mortgage. Mr. XXXX XXXX is the XXXX County Tax commissioner, and is associated with the DMV- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX GA XXXX, O : XXXX, had spoke with a Freedom Mortgage Rep. and had instructing them what to do, which was not done. They supposed to gave me information to proceed with the combined of the manufactured home and property, and what was sent to me was the Form ( T-234 ) blank, which was what they needed to complete ( Freedom Mortgage ). I asked specifically why aren't you, your company complying with my request, they stated because they can't give out any internal documents. So, I made a complaint with the XXXX XXXX XXXX and with that complaint, nothing was resolved. So, the communication was cut completely off with Freedom Mortgage on their end. The goal I am trying achieve is if they can and will make the appropriated changes and if not, at least provide a reason with recorded documentation.
Consumer complaint received 2021-06-18
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. (NJ)

I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from Bureau firm stating the ID I submitted was insufficient to verify my address and identity. 
I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience. Second time I sent disputing letter to Bureau and received no response.

They have sent me a letter that indicates WRONG DATE on this account, not the same as what it shows on my report. Besides that I strongly believe this account is Mistaken Identity. 

XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report.
Consumer complaint received 2021-06-18
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 (IN)

I am a XXXX single parent whos struggling to survive. During the heat of the pandemic, I received a total of {$2900.00} on my PayPal Account and just for no reason PayPal limited my account and all efforts and pleadings for PayPal to help me get my account restored and to take my money back proved abortive. 
All I got was that my account has been limited and that I can no longer make use of PayPal but can only get my money after 180 days. Its past 180 days plus now and yet my account is still limited. I am really frustrated and trust my filling this complaint will help me a great deal. 
As a XXXX woman, Im actively using PayPal as my only means of payment and receiving payments online. My linked PayPal email is : XXXX XXXX
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Account Resolution Corporation (MO)

Trying to remove a closed account from my credit report. Account was opened XXXX. 
The company reporting is Account Resolution Corporation. The original owner was XXXX XXXX XXXX. The amount is for {$130.00}. 
Have tried disputing this thru XXXX XXXX 5 times, but they keep stating this is a open account.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2024 XXXX charges totaling XXXX appeared on my account. I tried calling the merchant but got no where. I completed XXXX XXXX 's dispute form and sent it to them twice. No reply.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA will not allow me to access my accounts unless I answer their survey wanting my employment information, income and net worth. I can no longer look at my accounts, pay bills or even deposit checks. I wonder if this is even legal. 

Ive spoken with an assistant out of the CEOs office and theyre standing firm, give them my information or get cut off.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX/XXXX/XXXX I paid XXXX XXXX XXXX XXXX {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection account.
Consumer complaint received 2021-06-18
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: Thaxton Investment Corporation (AR)

I previously filed a complaint with Covington credit/SMC  due to inaccurate information on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting did not match the information that was reported by the other credit agencies. XXXX, AS WELL as XXXX  could not provide validation so they removed it from my account but XXXX  still has not done anything about this. They responded to the complaint stating they mailed a copy of my signature which i did not receive and they did not provide with response. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint. If after this complaint it is not removed I will be seeking legal actions. Below i have attached the inaccurate report. From a report on XX/XX/XXXX with all three bureaus reporting inaccurately to the report from XX/XX/XXXX with only XXXX  reporting. Please remove this from my credit report
Consumer complaint received 2022-04-18
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. (CA)

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. 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name 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 three negative credit items outstanding debt now. 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 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (MA)

I am filing a complaint Cause there has been someone using my identity as a result of identity theft. I filed a police report and then Pheonix Financial has started reporting this account after my report. 

It is showing the account numbers as XXXX and XXXX. I have never been to the facility is shows nor have I ever beeb medically attended by anyone. The debt is showing the facility is in Florida and I live in Massachusetts
Consumer complaint received 2021-06-18
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)

As a Federally Protected Consumer Pursuant 15 USC 1601, I have made several attempts demanding that this company XXXX  XXXX DELETE ( and the other CRAs ) an account from XXXX  that I did not give consent to be furnished. I have asked them to verify the debt and XXXX response is that they have verified the account as mine. I have asked them to show proof of verification via penalty to perjury and they have yet to comply with the law.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX XXXX, I experienced a remote access scam whereby a third party gained access to my computer. The scammer transferred money from my savings account to my checking account and then to a third-party account. I lost {$50000.00}. This incident happened in the evening, and I notified my bank first thing the next morning, within 14 hours, about the scam. They told me they would investigate and come back to me with a resolution within 45 days. I still have not heard anything despite repeated attempts to call my bank, Bank of America.
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc (NJ)

Alleged debt is listed on two ( 2 ) credit reporting agencies as ( JOINT ) and no notification received to validate the alleged debt. I have requested that National Service Bureau of the state of Washington provide me with identifying information to substantiate the alleged debt and to date, I have not received any information. 

I have certified mail receipt proof that National Service Bureau received both documented requests for information. 

Since my written communication attempts ( XXXX and XXXX of 2021 ) I have received numerous calls from National Service Bureau even after my initial contact with CFPB. 

I need clarification/validation about this alleged debt ( JOINT, debt ).
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is showing XXXX XXXX Credit Card as a " charge off '' when that account was SETTLED and PAID. Showing the account as a charge off is INCORRECT and fraudulent. Who the XXXX is in charge of TransUnion? XXXX XXXX? It is beyond ridiculous that I have to keep filing complaints against this stupid credit reporting agency that wields so much corrupt power over consumers.
Consumer complaint received 2021-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I paid a contractor by the name of XXXX XXXX a duplicate payment of {$3600.00} via XXXX on XX/XX/2020 in which I asked my credit card company to refund the duplicate payment. I provided proof of the paid invoice signed by both myself and the contractor. I also provided a copy of the email he sent in which he requested for a refund to be made to me as he confirmed I didn't have a balance outstanding. Instead of refunding a refund, Capital One provided a chargeback and has since been charging me interest on a balance I didn't owe. I have spoke with both XXXX and Capital One to get the issue resolved. At this point XXXX said they are willing to refund me my money once Capital One reverses the chargeback that occurred in XXXX of 2020 and provide proof other than my billing statement to show where the money was returned back to XXXX. XXXX has taken the position that they are yet to receive or be able to track the money that was supposed to be sent back to them.
Consumer complaint received 2021-01-28
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: Navient Solutions, LLC. (GA)

I am submitting a complaint in reference to this company DEPT OF ED/ NAVIENT knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously.
Consumer complaint received 2021-06-18
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. (CA)

Experian has refused to comply with section 605b of the FCRA when notified that information on my report is the result of identity theft. They have repeatedly been provided a copy of my FTC Identity Theft report along with the other documentation they require to be sent with a consumers block requests, but rather than block the information on my report, they open a dispute with out my consent and ask the furnisher to verify the debt. They do not inform the furnisher that the information has been reported as resulting in identity theft and so the furnishers dont respond to the dispute accurately. Experian has now blocked me from accessing the results of the disputes theyve opened and will not allow me to open a new dispute myself. Calls to the company have only resulted in hundreds of hours of frustration and false information being provided to me.