davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
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 (NJ)

On XX/XX/XXXX I advised XXXX to cancel my subscription to XXXX  XXXX! On XX/XX/20 XXXX sent me an email stating the card number on file was invalid and they needed me to upgrade the card number! The reason the card number was changed was because of fraud! I advised XXXX again several times to cancel my subscription and I never gave them my new card number! Eventually about a month later after also advising capital one several times of the situation, somehow XXXX got my new card number and billed me on XX/XX/XXXX {$74.00}. Since then I have been in constant contact with both companies and provided them with all the details requested! On XX/XX/XXXX I was advised by capital one the case was closed and I will be credited the full amount! Capital One also sent me a letter dated XX/XX/XXXX to again advise me the case was closed in my favor, there's nothing more I need to do, even if more information was provided! Then on XX/XX/XXXX capital one reopened the case they closed on XXXX, because XXXX contacted them on XX/XX/XXXX, claiming they showed no car policy! That is an absolute lie! I have been fighting this since XX/XX/XXXX. I want Capital One to apologize for giving out my new card number without my authorization and for reopening the case they closed! I can send you the information needed, if you want! Capital One case # XXXX
Consumer complaint received 2020-08-12
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (RI)

I was assessed with a wrongful 30 day late payment. This was on the onset of covid when my hours at work were dramatically decreased. I made my minimum payment of XXXX on XX/XX/XXXX ( 29 days late ) my due date is XX/XX/XXXX. Since then I have paid off the card and my balance is zero. When explaining this to them they had no mercy and wouldnt make an adjustment to my credit report. Similar to in 2017 when I had auto pay to a different bank account and they wouldnt remove the late payment. I understand being firm on policy but for a customer of 3 years to not be understanding during a worldwide pandemic is not encouraging as a customer. This is preventing me to qualify for a mortgage and effecting my quality of live.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax has reported incorrect information on my credit file from XXXX XXXX/XXXX  trying to collect on this account I do not owe. This company never sent me any information and I want this account remove immediately. Equifax and XXXX properties and broken the law 15 U.S. Code 1692g.Validation of debts. This company did not send me anything or verify anything. This company purchased a debt that I don't owe and I want it removed from my credit report immediately.
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (MD)

On or about XX/XX/2020 I tried to establish an account online with PNC bank. After getting through most of the procedure, I was thrown out of the process and given information to contact XXXX XXXX. I did that, but could not understand how the information I received prevented me from establishing the account!!!!! I still don't. 

On XX/XX/2020, I called PNC directly. I guided through the process quite professionally by a representative. But, again, was told that it could not be completed because of some reason. The rep could said she did not have the information, but that I would receive a letter in the mail detailing the reasoning. I am awaiting this letter know. 

There are basically two complaints I have the process used to establish the account. 
Online : I'm over XXXX. Some of the questions asked are so far in the past, it would be amazing for me to remember the phone number, address, or whatever. Some things do shade a little light. But one on the questions about an old address, was totally wrong. None of them were my old address. 
In general this process allows for picking-and-choosing who you want as a customer. Last week I established 2 new accounts with 2 different banks. The process wasn't exactly smooth, but it worked. 
I do comparisons on almost everything and PNCs virtual wallet was an excellent choice for me. But, to not be able to tell me, immediately, why I'm rejected is suspect.
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MA)

HI AND HOW ARE YOU? You continue to report incomplete and unverifiable negative items on my credit - how is that even possible? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2015-07-10
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Google Compare Credit Cards Inc. (NJ)

I had a {$50.00} google XXXX card in my Google WalletIt expired without notice and i lost my fundsGoogle should have alerted me when the card was about to expire as they do for a credit card linked to the Wallet, so i could use the funds
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The CBE Group, Inc. (TX)

There is a account that appeared on my credit as XXXX XXXX and I disputed it XX/XX/2019 and it was removed. It next appeared as XXXX XXXX same account disputed it and it was deleted in XXXX of 2019. Now its been sold to CBE group and theyre back on my credit. I will like to report this account that keeps being sold and negative on my credit as it has been deleted multiple times.
Consumer complaint received 2022-10-31
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: TD BANK US HOLDING COMPANY (IL)

someone opened up a charge card in my name at Target they purchased XXXX tv 's and sent XXXX to our previous address and an address in Florida Called Target to resolve however saw a charge on my credit report Returned the one tv i do not have or ever have had a charge card at Target
Consumer complaint received 2016-08-20
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Paypal Holdings, Inc (IN)

I was tricked into signing up for Pay Pal credit when I just wanted to buy something using Pay Pal I want to just payoff and close account but I want them to remove the inquiry from my credit report and I cant payoff the charge since the charge is still " pending ''. I just want to pay-off and close account.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

I was given a {$300.00}. VISA gift card on XX/XX/2020 from my grandmother which was bought from XXXX 's on XX/XX/2020. I attempted to use the card 11 days later at XXXX 's, and there was only {$1.00} left on it. I immediately called " cardholder services '' the number on the back of the VISA gift card and was instructed to send in numerous documents including front and back of gift card, front and back of my driver 's license and the gift card receipt. I told them that my grandmother did not have the original receipt any longer and they said to obtain a copy of the receipt from the store where it was bought. My grandmother went to XXXX 's, was given a phone number to call by the store manager, and was emailed a copy of the receipt from XXXX XXXX, Manager, Retail Support Services Ralphs/XXXX XXXX XXXX/XXXX, which was also provided. As of XX/XX/2020, " cardholder services '' claims the receipt I provided is not valid as they can not find it in " XXXX look up system ''. I don't know what that means, but it is a valid receipt. They are using this excuse not to reimburse my gift card, which was depleted fraudulently by an unknown source. I have spend $ XXXX faxing documentation to " '' cardholder services '', have called repeatedly ( no one calls me ). To me, this is a scam not to reimburse me for a stolen gift card, when I have provided all necessary documentation and proof of purchase of the gift card, which is supposedly the only reason they are not reimbursing me now.
Consumer complaint received 2022-10-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (FL)

Closing appointment XX/XX/22 for Heloc at PNC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States Came in at XXXX the time of our appointment. 
The person we had the appointment with decided to assist a different client. Which made me feel discriminated against. Then we were passed off to a different person, who was not trained to do heloc closings. They were not able to describe the paperwork to us and did not know where or how we needed to sign. They found out that they were missing some of our information because their teller misplaced our checking account information. They made us feel like we were an inconvenience and they were visibly frustrated. Making us feel like it was all our fault. They wanted to reschedule me but that was not acceptable to me. A manager who was not present instructed the individual how to proceed over the phone and we finished the process, or so we thought. 

They made mistakes on how were were supposed to sign and we have had to come back to resign several times. I have made complaints with their company but still I dont have a resolution. My loan closing is not completed.
Consumer complaint received 2020-06-18
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

For XXXX my partner ( XXXX XXXX ) bought me four pair of pants from XXXX of which I returned three pair. The first bill received was for all XXXX pair. I did not pay this promptly because I knew there was a credit coming. The next bill I received had the credit but also a late charge. The amount I paid on this bill was {$40.00} which was {$9.00} for the one pair of pants {$9.00} freight {$17.00} additional freight and {$2.00} additional charges. The amount of freight and additional charges should be enough for a complaint! But they are still charging me for the late charge and every month is adding late charges on the late charge! After calling XXXX directly they directed me to Comenity Capital Bank where they have turned over the account for collection. On XXXX XXXX I sent a letter to Comenity Bank explaining why I did not owe the amount stated and on XXXX XXXX they declined to cancel the amount owed. It is now up to {$160.00}! This amount is just for finance charges as I mentioned above I had already paid {$40.00}. This is the most expensive pair of pants I have ever owned and wil never, ever by from XXXX again. Please help me resolve this issue. 
Thank you.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to request the removal of certain information from my file. The specific items that I require to be deleted are listed in the report enclosed with this letter. I have been the victim of identity theft, and I did not authorize the charges in question. To correct my credit report, I am requesting that these items be deleted. I have already reported the identity theft to the Federal Trade Commission, and I have enclosed copies of their identity theft affidavit for your reference. I kindly request that you take prompt action to delete the aforementioned items from my file as soon as possible. Thank you for your understanding and cooperation in this matter.
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We have been banking for our business with Bank of America for over 8 years. Today, when I reached out to Bank of America, I found out that our account is forced closed on XXXX. I was advised by the bank associate to call the number on the back of the ATM/Debit card and get this corrected. Upon calling XXXX I was connected to XXXX in New Jersey ( location described by the representative ). After requesting for help, he spoke to his Supervisor and told us that since the account is closed we can not restore it. We tried to speak to the Supervisor but they hung up the phone. 

This is totally upsetting to us as we had this account for a very long time and due to recent lock-downs and travel limitations we are not able to get all the account holders in one place. Secondly, this is our main account for all our electronic deposits and payments as well. We have not received a single notice from Bank of America for such actions. We have been receiving all e-mails regarding our daily balances. At this point we are asking for your help to get this account restored. We can't afford to open a new account since we have to go through a lot of hassle to update our information with many vendors. It's only been 15 days, no notification of closing of our account. I don't see a reason for not being able to continue as it is.
Consumer complaint received 2020-08-12
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. (PA)

I am a consumer in pursuant to 15 USC 1692 A3 XXXX, XXXX, and Transunion is in violation of 15 USC 805 Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX, XXXX, nor Transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

To who it may concern, this complaint is due to my lender using predatory lending on me and my family during the financial collapse over 10 years ago. We qualified for a government sponsored loan modification but were forced into an in house modification. The predatory modification had a principle reduction that was forgiven by the lender. They wrote that forgiveness off, but are now demanding we pay it back when we refinance the loan. At the time they wrote it off as a loss for their company, we are also forced to count that principle reduction as income on our tax return and pay taxes on it. This was fraudulent in many levels and we feel that we should have been given a government modification instead of this predatory modification. The original lender was Ocwen Mortgage and now PHH Mortgage Services holds the loan.
Consumer complaint received 2020-08-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a complaint a few month ago regarding my identity thief situation with Experian. The XXXX account that was charge off is fraudulent and need to be remove off my credit report immediately. I am not sure why it has pop back up on my account but it needs to be remove because it can not be verified and it already has been proven to be fraud. I found out that its still on because i tried to refinance my car and take advantage of the better rate due to Covid and i can not get accepted due to this fraudulent account. XXXX  already has removed the account and updated my profile this has been a big hassle and i wish it to be resolve as soon as possible. Looking at my credit history you can tell that these fraud account does not reflect the 7-8 years of good credit history and large number of account. I will include a copy that i have summited before regarding the identity thief with experian.
Consumer complaint received 2020-06-18
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Reinsertion Request Due to FCRA Violation Dear TransUnion, I am writing to bring to your attention a matter regarding a recent reinsertion of negative information on my credit report, which I believe violates the provisions of the Fair Credit Reporting Act ( FCRA ). This letter serves as a formal request for investigation and correction of this issue. 

On XXXX XXXX.I noticed that [ description of the negative information, XXXX XXXX such as a previously removed account or derogatory remark ] was reinserted into my credit report. However, upon thorough review, I have reason to believe that this reinsertion violates the FCRA, specifically [ cite the relevant section of the FCRA, if applicable ]. 

According to the FCRA, consumer reporting agencies like TransUnion are required to follow strict procedures when reinserting previously deleted information onto a consumer 's credit report. These procedures include providing written notice to the consumer within five business days of the reinsertion, along with the name, address, and phone number of the furnisher of the information. Furthermore, the consumer must be given a description of the procedure to dispute the accuracy or completeness of the reinserted information. 

Unfortunately, I did not receive any such notice regarding the reinsertion of the aforementioned information. As a result, I was deprived of the opportunity to verify the accuracy of this information and to exercise my rights under the FCRA to dispute any inaccuracies. 

Therefore, I am requesting that TransUnion promptly investigate this matter and provide me with a written explanation of the reinsertion, including the date it occurred, the identity of the furnisher of the information, and the procedure to dispute the accuracy of the reinserted information. Additionally, I request that TransUnion remove the reinserted information from my credit report until such time as it can be verified as accurate and compliant with the FCRA. 

I expect your prompt attention to this matter and request that all communication regarding this issue be conducted in writing. You may contact me at the above address or via email to provide updates on the status of the investigation. 

Thank you for your prompt attention to this matter.