davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have a XXXX charge card through Capital One or did have as I have now closed the accounts and all my accounts with Capital One. I had bought 2 large ticket purchases that are interest free for 12 months! Capital One has now on 2 or more times during the promotional period they have made it necessary for me to waste my time to call them to correct the problem. 

They can not get it straight that 12 months interest free means 12 months intrest free! 

I have reached out to XXXX about the issues and also told XXXX that I will no longer do business with XXXX. 

Capital One needs for the government to look into all of Capital One now! But I am sure they will not!
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MS)

My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report. I demand that the following accounts listed on attached document be removed immediately. ( Midland Credit Management , Inc ) is using my consumer report with means to harm my consumer reputation as a way to swindle an coerce me into making payments on alleged debt, which is a direct violation of 18 U.S.C 894.
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NY)

I paid the debt on XX/XX/XXXX. I disputed account on credit report on XX/XX/XXXX. Dispute report was finalized on XXXX nothing changed even after presenting supporting documentation. The account still showing incorrect balance.
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

I want to file a complaint for deception, waste of time, and deceptive practices of Western Union. Today through the application I needed to send money to my niece who lives in XXXX to buy an air ticket. and after 2 hours of delays and problems, a Customer Service Agent finally authorized the transaction and tricked me by telling me that in 2 minutes he would send me the information in writing by email that the transaction had already been made. However, in just 1 minute they sent me the cancellation, that's how I made the XXXX phone call to tell me that they couldn't give me any explanation. Meanwhile my niece waiting and they did not solve anything for me.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

**THIS IS NEW ORIGINAL INFORMATION** Attached is a letter I found from Citi Simplicity titled " Account Approval Notice '' dated XX/XX/XXXX - the same month that according to Citi I was already 60 days late. 

I opened the card in XX/XX/XXXX, had identity theft that reached both of my Citi Cards through XX/XX/XXXX. I could not pay online or pay by phone during this time. I had new cards reissued and new accounts apparently. 

THE ATTACHED IS **NEW PROOF** THAT THE COMPANY IS INCORRECT. 

I had previously filed CFPB complaints which were denied by Citi ( XXXX ) and ( XXXX ) Please help me clean my credit so that I can put the identity theft behind me. 

Thank you, XXXX
Consumer complaint received 2024-01-17
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. (FL)

This is in response to previously filed CFPB complaints ID # XXXX ID # XXXX ID # XXXX The response your Agency provided stated that " XXXX Equifax/XXXX  has completed its investigation including contacting the Furnisher ... and that XXXX Equifax/XXXX  verified that the public information is reporting correctly '' consequently , I'd like to state that I contacted the XXXX XXXX XXXX XXXX in FL, where this bankrupcy XXXX  XXXX was filed and the court , the only reliable Furnisher in this instance, confirms that they DO NOT report to XXXX or any other Bureau for that matter. Therefore, your initial response verifying the item is either in error or a lie. 
Either way, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 16811 ) and the infomation must be deleted immediately.
Consumer complaint received 2020-04-06
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: AMERICAN EXPRESS COMPANY (CO)

American Express has continuously posted fraudulent charges on my credit card account, which I have disputed month after month. Currently, there are 3 fraudulent charges posted to my American Express credit card account. 

The first charge is a repeated fraudulent charge of {$99.00} from an American Express sponsored subscription ( XXXX XXXX XXXX ) posted to my account on XX/XX/2020. In XX/XX/2020, American Express initially refused to remove a {$99.00} charge from my credit card account, which was posted for the American Express sponsored subscription ( XXXX XXXX XXXX ). However, American Express removed the {$99.00} sponsored subscription charge after I filed a complaint with the BXXXX XXXX XXXX. On the other hand, American Express has refused to remove the current and repeated American Express sponsored subscription ( XXXX XXXX XXXX ) fraudulent charge of {$99.00} from my account on XX/XX/2020 per a telephone call with XXXX at American Express . 

The second charge is a repeated fraudulent charge of {$130.00} from XXXX XXXX posted to my account on XX/XX/2020 and XX/XX/2020. 

The third charge fraudulent charge is an internal American Express charge of {$28.00} ( probably late charges for non-payment ) posted to my account on XX/XX/2020, which is the payment due date for the American Express fraudulent charges. Further, I have not paid American Express for any of the fraudulent charges. 

Further, on XX/XX/2020, I mailed certified letters to American Express XXXX XXXX, TX and XXXX XXXX XXXX, Utah offices regarding the removal of the fraudulent charges from my credit card account, but have not received the return receipts or any other response from American Express as of XX/XX/2020. Lastly, I believe American Express is targeting senior citizens, like myself, in attempt to collect fraudulent charges to increase the company 's revenue. 
.
Consumer complaint received 2020-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

Hello. I am so frustrated. I have been a member of Chase bank ( or its prior owners ) for almost 40 years. Every month I deposit checks of {$4000.00} - {$6000.00} to cover my bills and auto payments. On XX/XX/XXXX I deposited a {$5000.00} check and received written confirmation that the funds would be totally available on XXXX. My mortgage payment drafted on XXXX and Chase sent me notification that they decided to place a 10 day hold on this check. They bounced my mortgage check. I tried to call and waited 3 hours on Friday XXXX and finally hung up. I tried again later that day and hung up after 2 hours. I tried to find a place online, but they said they wouldn't return email messages for at least 7 days. Today ( XXXX ) I woke up and called and after 45 minutes got a real person. She was sympathetic but told me it wasn't her department and transferred me to the check hold number. She also gave me the direct number ( thankfully ) After 50 minutes I was bounced off the call. I am currently 55 minutes in to my next hold ( they said 15 minutes ). The money was drafted from my checking account on XXXX and now I have no access to these funds and nobody to talk to. My mortgage has been bounced and any other drafts cant be stopped at this point, so will likely also be bounced. I cant believe they can send me notice that the funds will be available on XXXX, and then change their minds? 
XXXX XXXX
Consumer complaint received 2022-06-03
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. (IL)

I had my purse stolen several years ago and filed a police report then. I noticed accounts and inquiries being opened in my name so I filed a report with the FTC and submitted another police report to help remove some of these fraudulent inquiries and accounts.
Consumer complaint received 2020-04-06
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (AL)

I was placed on a payment plan and was told it would not affect my credit. They told me that if I completed the payment plan as stated that the remarks on my credit would be deleted. The account has since been paid off and those negatives were never taken off my credit. It has affected me being able to purchase a home. With the COVID 19 rules in place, the restrictions are stronger leaving us without the ability to get a home. Please help us in getting this resolved. I have contacted a lawyer to help with this situation as it has been asked numerous times with the company to of Nationstar to take care of it, but they will not do so.
Consumer complaint received 2022-06-03
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. (IL)

I had my purse stolen several years ago and filed a police report then. I noticed accounts and inquiries being opened in my name so I filed a report with the FTC and submitted another police report to help remove some of these fraudulent inquiries and accounts.
Consumer complaint received 2022-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, My name is XXXX and I am writing with great disappointment at Capital ones service, I am still unable to access my account for over 3 weeks as funds in it has been frozen without any official explanation, since XX/XX/XXXX due to funds sent from my cousin XXXX XXXX which I tried to transfer but to no avail ever since capital one is yet to provide any adequate information or detail I need more information on my accounts status funds received returned to sender ( XXXX XXXX ) if my full access is not reinstated. 

My account details below : Amount : XXXX Bank : Capital one bank Account name : XXXX XXXX XXXX Account number : XXXX Routing number : XXXX Regards, XXXX.
Consumer complaint received 2022-12-29
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: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management, a debt collection agency employed by XXXX Bank reported a debt of {$640.00}, which was already incorrect and reflected fees and charges not associated with the original account filed a court lien against me in XXXX XXXX GA where I reside. XXXX XXXX the attorney 's office used to file the lien sent over a settlement agreement where the full debt would be settled for two payments of {$280.00} ( XXXX total ) to settle the debt. Both payments were received on XX/XX/2022. I was told 10 days from the last payment received that I would be sent the appropriate documentation and that the court lien would be withdrawn. Both Midland Credit and XXXX XXXX have failed to send appropriate documentation and continue to hold remaining debt despite our settlement agreement and refuse to update the credit beaurus with correct information.
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

In 2018 my roommates at the time took my credit card, and charged it resulting in the current charges. I had contacted XXXX XXXX to dispute and they said they were handling it from there. At the time I was still making payments on the card but then stopped once they said it was being taken care of. These charges ARE NOT mine and I had assumed everything was handled properly.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (OH)

We deposited our income tax refund check in our PNC bank checking account through the ATM in amount of {$5900.00} on XX/XX/2020. The check was denied and a email was sent as a duplicate check. Nothing was sent to our home address from XXXX, Pennsylvania through the United States Post Office. So right now it is considered as a lost check and nothing is being done with PNC bank about finding our check. All PNC bank is telling us that we should contact the IRS, when the issue of the lost check is on PNC 's banking end. They have the original copy of the check, we never got an original or duplicate back so that it could be re-deposited. In all their making it seem like it is our fault that it has been lost in the mail, we have never received it back in the 1st place.
Consumer complaint received 2020-04-06
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. (NV)

I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from Equifax showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (LA)

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # 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 2020-04-06
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. (IL)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file XXXX  XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CO)

I locked my credit using Equifax Lock and Alert last year after I was alerted that my email address and phone number were compromised. To do this I had to provide my SSN, address, phone number, etc. I did not have to provide any documentation. On Saturday XX/XX/2020, XX/XX/2020, and XX/XX/2020 I logged into my account ( XXXX XXXX XXXX ) and when I slid the lock over to unlock my credit I received an error code XXXX  and was directed to call XXXX with that code. On XX/XX/2020 I spoke to five representatives, including a manager, who told me I would have to mail a copy of my SS card with a cover letter including my full name, SSN, email, and phone number and 5-7 business days after that they would respond. I can not do this because a ) I don't want to send that in the mail to be lost or stolen, and b ) I don't have a copy machine in my home and won't potentially expose myself to a deadly virus to send documents I feel they have no right to ask for. And I'm sure no office supply stores or XXXX 's or libraries are open during this pandemic. Meanwhile, mortgage rates could go up and cost me thousands of dollars. Again, they did not ask for any verification documents when I signed up and locked my credit. They advertise a service to easily lock and unlock credit just by swiping the lock. Instead, they have basically hijacked my finances.
Consumer complaint received 2023-05-07
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. (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXX  XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!!
Consumer complaint received 2022-06-03
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. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-06-03
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. (IL)

I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  Balance {$130.00} XXXX, XXXX XXXX XXXX  Balance {$270.00} # XXXX, XXXX, XXXX {$440.00} # XXXX, XXXX  XXXX {$1300.00}, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  {$830.00} # XXXX XXXX  XXXX XXXX  {$1400.00} XXXX XXXX XXXX  XXXX XXXX I attached a copy of credit report as well. i could not attach on the next page
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I need your help in a serious matter involving my credit report after reviewing my account I realized that they might've been reporting damaging information the fair reporting Acts a a voluntary surrender section 96 is different from a repo section 94 I did a voluntary surrender with my vehicle 5 years ago the information on my report is incorrect in conclusion I would like this statement from my credit report to be removed immediately