davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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 (TX)

XXXX XX/XX/2022 Capital One Bank Capital One Bank sent an email stating the following : " Congratulations! Youve earned your security deposit back ''. 

Re : Your account ending in XXXX XXXX XXXX XXXX, As a partner in your credit journey, weve refunded your security deposit via statement credit. Your Capital One Secured Mastercard has been upgraded to a Platinum Mastercard. Youve been selected for this upgrade because youve used your Secured Mastercard responsibly.

The {$1000.00} dollars does not belong to Capital One Bank.

Youve earned your security deposit back and issuing a credit statement of my {$1000.00} dollars is NOT EVEN on the same footing.

I do not need a credit statement of my {$1000.00} dollars from Capital One Bank.

If needed I will seek a Lawsuit against Capital One Bank.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

I have checking account at PNC Bank. On XX/XX/2020 I tried to check my account online but was denied access. On XX/XX/2020 I went to the PNC branch on XXXX  and the XXXX XXXX XXXX XXXX. My ATM card did not work, meaning that I was denied access, I asked to speak with a banker and the banker advised me that I would receive a letter in the mail. I left confused so I called customer service and they advised tthat the account was frozen for my protection. I advised the customer service rep that there was not any fraud and veried the charges to my account. He did not speak very good XXXX but told me that he would send me a letter and a cashiers check for the balance. I advised the representative that I had not done anything wrong and was not sure why they would close my account. The represe tative asked me if I wanted to file a. complaint and I said yes. The representative advised me that his supervisor would call me the next day and reopen the account. As of today, XX/XX/2020, I do not have access to my account or my funds a d have not received written or verbal communication from PNC Bank.
Consumer complaint received 2019-12-25
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: Experian Information Solutions Inc. (FL)

I have disputed a debt collection on my credit report several times now. The company is XXXX  XXXX and it has shown up on all 3 of my credit reports intermittently. The credit reporting agency will have it removed and then it will show up again. It is for approximately {$300.00}. I have both spoken to this company, which can not verify that its a valid debt, they tell me who the original creditor is, and Ive called them and been to their offices recently and they do not have any record of me owing them money. In fact, if I owed money, they wouldnt have seen me that day. It appears this XXXX  XXXX keeps showing up on each of my credit bureau reports because they keep reporting different account numbers each time. When the reporting agency confirms its not valid, the debt collection company just changes the number so it can be reported again. This is unethical and illegal, I do not owe this company money and I demand this company purge whatever record they have of me and my information and stop reporting wrong info to my credit bureau reports.
Consumer complaint received 2019-12-25
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. (AL)

Hi, I've disputed 3 accounts that shouldn't be on my credit report multiple times with Experian and the collection agencies listed below.

I've sent letters to both Experian and the collection agencies, expressing my concerns of the inaccurate negative events that has been listed on my credit report.

I'm trying to by a house for my family, i'm only XXXX yrs old, and these inaccuracies are hindering me from building a foundation for my family. XXXX  has removed these unjustified accounts due to the collection agencies not be able to verify the accounts, so how is it that Experian say they are accurate?

I specifically asked Experian and the collection agencies both, to provide me with any and all documents that were used to verify these inaccurate accounts they've listed on my credit report. The collection agencies hasn't responded, I haven't even received any kind of communications from the collection agencies, only a negative on my report, and neither has Experian.

Experian hasn't provided me with a response to when and how did they verify these accounts. I feel as if Experian, isn't a neutral party to disputes for consumers, they seem to take the word of collection agencies without actually investigating disputes.

I would like for Experian to show proof of how they came to the conclusion that the negative events they've listed on my report is accurate, but if they can not, I am requesting the negative events listed below to be removed immediately! Because a name and a balance isn't proof that a individual owes a debt.

I think Experian makes bad faith decisions and are not properly investigating disputes. The certified letter that I sent Experian on XX/XX/XXXX that they received on XX/XX/XXXXclearly states, that I am requesting proof of the negative event and proof of how they verified the negative event as accurate, which I haven't received, even though the disputes are completed, yet remain on my report.

Please have Experian remove these 3 negative events, they are really hurting my life regardless of how hard I work.

Im trying my best to refrain from legal action against Experian, but it seems inevitable, because I all honesty, inquiries and denial letters randomly starting showing while they were being hacked in XX/XX/XXXX, so this is more than likely their fault. Regardless, please have them to remove these negative events that they are wrongfully listing on my credit report. 


( NEGATIVE EVENTS - COLLECTIONS ) XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Please remove these negative events immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

XX/XX/2019 {$270.00} Used XXXX XXXX account with zelle to send for service. Service never happened and blocked by user. XXXX was number used by scammer. XXXX/ XXXX is name
Consumer complaint received 2019-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hard inquiry from XX/XX/2017 I have been fighting this and I have credit fraud someone tried to buy a car in my name at 5 places can you please delete this
Consumer complaint received 2022-09-02
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. (NC)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have quiet of few accounts, Inquires and addresses on my reports from all 3 credit bureaus and have disputed everything I have talked to them over the phone multiple times times and just got the run around every time and they say everything is verified which I don't know how even the information on the accounts that I know are mine the information is incorrect and they won't help me so here in my complaint and am now prepared to take further action.
Consumer complaint received 2022-01-30
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: EQUIFAX, INC. (DE)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-30
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. (DE)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2022-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under XXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2019-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. ()

My card is Citibank Credit Card, which is currently no more with me as I disposed the card. The sales person come to me was not understanding English and so I asked him to give me back the documents or else arrange call from office before processing my documents. However the card was activated without any verification with me. On XX/XX/XXXX, while trying to update my XXXX details, I was facing problems to login my account stating my credentials entering are wrong. Hence on the same day I sent a mail to XXXX to resolve the issue and to close my a/c. No response I received. Subsequently I called to customer care and paid my dues completely. After completely paid my dues I called to customer care and requested to close/deactivate my card as I dont want to continue. They confirmed over phone its deactivated. This confirmation over phone I had taken two three times as I was no mail ids to contact. Even my previous mail Id was unanswered. Post that this year in XX/XX/XXXX onward suddenly I started to get messages in dues to be paid. I contacted customer care. The executive who attended my call insulted me saying there is no such card in their records. Now the due amount is increasing day by day and I am getting messages regularly nowadays which is an integrity issue on my credibility. Now I am not ready to pay even a single rupee to them as I had mailed and informed over phone that I wont be liable for any charges arising out of this card as I got closure/deactivation confirmation of that card. Hence I want to stop this message sending to me and wants to close the entire relationship with Citibank credit card group w.r.t. this card
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I completed a Loan Forbearance agreement with Flagstar Bank beginning on XX/XX/XXXX I expected the Forbearance to last 3 months and that the best option for me would be to add the missing payments to the end of the loan period. 

During the Forbearance agreement time period I was subject to harrassment ( in the form of system phone calls asking me to call their 800 number immediately ). 

In XXXXXXXX, during one of those return calls, I agreed to end the Forbearance in XXXX, XXXX with an extension of payments of 3 months at the end of the loan period. I was told I would receive a letter documenting this conversation and agreement and it was never received. 

I continued to receive the same phone calls and repeated myself to the customer service rep each time, that I had agreed to end the Forbearance in XXXX with the 3 months of payments added to the end of the loan. Each time I was told that a letter would be sent with this explanation but none was ever received. 

Finally, on XX/XX/XXXX, during another phone call and return to Flagstar, I was told that a letter had been sent on XX/XX/XXXX ( I had not received it ) detailing the terms. Since a payment was going to be due on XX/XX/XXXX and my online account did not reflect the agreement the Flagstar rep told me that I could pay the amounts online and it would be resolved as part of the agreement. 

On XX/XX/XXXX I paid the total amount 'due ', representing 4 months of payments as I assumed that it would all get worked our per the rep 's input. 

On XX/XX/XXXX I received the letter dated XX/XX/XXXX with a phone number to reply, I called the phone number and the rep was unable to resolve the issue with applying the payments forward per the agreement. I was also told that these payments should have been made 'by phone ' for 3 months, something that had never been mentioned before. If that was the case then the Flagstar portal should not have accepted the payments. The rep said he would research all of this and reply with an hour by phone, I have not received a return phone call. 

All I want is for Flagstar to live up to its agreement to move the payments due during the 3 month Forbearance to the end of the loan and apply the 4 payments they received on XX/XX/XXXX to the months XXXX, XXXX, XXXX, and XXXX of XXXX. I also don't want them making any claims against my credit ( per the law ). They seem far more interested in harrassment and not providing the truth than anything else ( certainly not a fair resolution of my situation ).
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I got behind on a credit card account with XXXX XXXX and the account was transferred to Portfolio Recovery Associates, LLC. Portfolio Recovery Associates, LLC assinged the account to XXXX XXXX XXXX attorneys to file a law suit against me. I receive a letter dated XX/XX/19 giving me 15 days to complete a form to avoid garnishment or pay the debt. I received the form a few days prior to the deadline not 15 days prior. I completed the form and sent in a check with the dollar amount the calculations on the form said I needed to send in to avoid garnishment. I sent the check in priority mail that had to be signed for to have verification and proof of the attorneys office receiving the payment. XXXX XXXX XXXX left the payment sitting at the post office for almost a week so that the time to receive payment would expire and they could proceed with garnishing my wages. In XXXX my wages were garnished for the full amount of the collection being paidout in my two checks received that month. It is now the middle of XXXX and I am receiving calls and collection letters from Portfolio Recovery Associates, LLC. stating I still owe {$550.00}. The balance owed was updated on my credit report after they received the first payment from the garnishment but they have not made any other updates since the middle of XXXX. I filed a dispute with the credit reports through my credit monitoring service of XXXX XXXX the middle of XXXX to get the balance updated and that dispute has been reported as resolved and that I still owe another {$550.00} by the credit report contacting Portfolio Recovery Accociates, LLC. This account has been paid in full for almost 2 months now and they are still reporting on my credit as outstanding. I called Portfolio Recovery Associates, LLC on XX/XX/19 after receiving another letter stating I still owe them money. They said I still owe money and they can't talk to me because my account has been assigned from them to the office of XXXX XXXX, XXXX. I explained the issue to Portfolio Recovery and they don't care they are not willing to correct what they are reporting on my credit report. My wages were garnished for more than the amount I owed ( owed around {$970.00} and my wages were garnished for {$1200.00} ) and this was completed prior to the end of XXXX. I want them to be forced to correct what they are reporting to the credit bureaus and I want this attorneys office and the collection company both fined so that they stop doing this to people. This is false information, I paid the debt in full almost 2 months ago.
Consumer complaint received 2022-01-03
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: CITIBANK, N.A. (WI)

I opened a Macys credit card to purchase my dress and take advantage of the promo the sales woman prompted. If I would have known all of this was going to happen and affect my credit I had the cash and could have paid that day. I gave the service agent at Macys my ID but also provided my new address. I never received a bill and they called me about a past due bill which I paid that day. I explained to the rep I never received a bill and confirmed my mailing address which they confirmed was wrong. I then gave them my address again. They are reporting a late payment on my credit which if you look at all other accounts I have never fallen delinquent. This is in violation of my consumer rights and is affecting my credit worthiness. The XXXX should be reporting this as paid and this should be removed from my credit history as it was originator error. Please find remedy immediately or I will be forced to file suit for XXXX, XXXX which each regulatory finding has a statutory damage up to {$1000.00} per finding. This is once again affecting my credit worthiness due to originator error.
Consumer complaint received 2019-12-25
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: Innovis (AR)

XXXX AND INNOVIS  IS UNLAWFULLY REPORTING XXXX XXXX/XXXX XXXX TRADELINE LOAN NO.XXXX, SOL EXPIRED ON XX/XX/XXXX, 1ST DELINQUECY XX/XX/XXXX.