davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I contacted CapitalOne 360 Bank around the XXXX of XXXX. I had originally contacted the merchant and told them I needed the amount they were going to take out of my checking account ending in # XXXX lowered because my health insurance company took out a much larger amount of funds than was originally anticipated. The merchant said they would notate my account but couldn't stop it at that point. So, I contacted Capital One 360 and put a stop payment on the {$300.00}. I spoke to more than one individual there. I noticed that on XX/XX/22 late in the day that the funds were taken out of my account leaving me in the negative. I immediately contacted Capital One360 and was told I needed to file a claim on this. I told them I need those funds back in my account immediately. They said I would have to contact a different department the next day and ask for an immediate provisional credit. They stated I should have no problem getting an emergency provisional credit. The next day I called and spoke to customer service again and finally was transferred to supposedly a department who could help me. The customer service agent was not helpful and kept quoting me 10 days. I said I will be getting another deposit of {$200.00} in my account which I need for my car insurance, etc. I could not have them jeopardize these funds because I could lose my coverage. I ended up asking for a Manager. A Manager by the name of XXXX XXXX ID # XXXX responded. She was very rude and abrupt from the very beginning. I am a Senior living on a fixed income and I explained the situation to her thinking she would help me. 
I told her I had a stop payment on the {$300.00}. This XXXX was hateful. She quoted me a federal guideline number stating that she could do nothing to help me. What???? I have Never had anyone talk to me like this before. She stated she would not help me and I would have to wait and she didn't feel I was eligible for a provisional credit. Unbelievable!!! This woman XXXX should Not be in her current position and dealing with the public. She offered no assistance whatsoever. What I said and my having placed a stop payment meant nothing!!! I told her I would report her and she did not care. 
I like doing business with this bank and have never had any problems before this. I believe the problem lies with this XXXX, XXXX, rather than with the bank itself.
Consumer complaint received 2021-12-27
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: Experian Information Solutions Inc. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any SBA LOANS.
Consumer complaint received 2021-12-27
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. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any SBA LOANS.
Consumer complaint received 2022-08-31
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: NORTHWEST BANCSHARES INC (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-27
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. (FL)

My name is XXXX XXXX and I am filing this report on my behalf. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (MD)

I applied for the new PNC card. The offer was 0% on balance transfers AND PURCHASES for 15 billing cycles. I received the envelope in the mail, and I can't say for sure, but the card was lost. I called, they sent a replacement, but said to wait until the new bill came to set up anything since they weren't sure if the Balance Transfer would actually move to the new card or if I had to set it up again. I waited until the balance reflected and attempted to set up my payments. This is a PNC credit card, I have a PNC checking account so it should be easy. (PNC can check my mobile account to show the log ins and attempts to set up payments) I missed my first payment by two days. The balance transfer rate is still reflecting 0%; however, the purchases are now showing at 16.74%. I asked that they reinstate the 0% and waive the fees, but they said that I should consider auto payments. I agree, and will set up, but since this was an error with the initial set up of the account, I think they should at least be more accommodating and just reset the 0% and waive the fees.We use PNC for our non-profit accounts also, they have always been so great to work with. When I mess up, I pay the fees, but when it's honest and just a waiting game to set up payments, they should at least think about their clients in a friendlier manner.
Consumer complaint received 2021-12-27
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Consumer complaint received 2024-02-20
Product: Credit reporting 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 hope this letter finds you well. I am writing to follow up on the dispute I submitted on XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX Experian Information Solutions, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX, ( XXXX XXXX XXXXXXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated
Consumer complaint received 2022-09-25
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. (TX)

in accordance with the Fair Credit Reporting act XXXX  Account ( 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 2021-12-27
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX refuses to accurately and timely report my proper on time payments to the credit bureaus, especially EXPERIAN. this is a violation of the law and FCRA. I have made massive payments on my XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX and you are screwing my credit report and score because of your neglect and incompetence, and keeping my score so artificially low I cant obtain an apartment or a credit card or a mortgage. I am a XXXX veteran and and person, STOP THIS IMMEDIATELY ( NOT THIRTY DAYS FROM NOW ) and immediately report my proper amounts payments and balances to all three credit bureaus especially EXPERIAN. XXXX XXXX XXXX hasn't reported my on time payments and lower balance to EXPERIAN credit bureau since XX/XX/XXXX. They just quit and stopped reporting for no reason. I have made FOUR on time payments to military star of XXXX $ from XX/XX/XXXX to XX/XX/XXXX, which XXXX XXXX  card refuses to report properly on time every month. PLEASE STOP XXXX XXXX  THIS REQUEST AND LYING TO THE CFPB, XXXX HAS NOT RESOLVED THIS MATTER DESPITE MULTIPLE COMPLAINTS, OR BE SUED- XXXX  refuses to correct or update the credit report and instead says to email them, and they then refuse to do anything over the telephone and or email when requested. I am reporting XXXX to XXXX XXXX XXXX of florida and having him making a complaint to the director of XXXX XXXX XXXX XXXX XXXX XXXX in this matter. **** EXPERIAN CREDIT BUREAU- DO NOT FILE A DISPUTE IN THIS MATTER I HAVE ALREADY FILED A DISPUTE AS OF XX/XX/XXXX. CONTACT XXXX XXXX XXXX  AND GET ME AN ANSWER WHY XXXX XXXX XXXX NO LONGER REPORTS TO EXPERIAN CREDIT BUREAU.
Consumer complaint received 2021-12-27
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.
Consumer complaint received 2021-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OR)

Hello, My loan is serviced by Navient, it is federal Stafford subsidized loans which according to department of student aid and my local senator 's in congress are supposed to be paused under Biden 's student aid pauses for loans. Navient has ignored this completely and harassed me for the last few months. I know multiple people who went to same school and have identical loans with Navient as I do that are on pause and have had no issues. They are both Stafford Subsidized loans. Every person I've talked to that has a Stafford loan is paused. All my other loans are paused as well. 
Secondly I have a valid IDR that I gave them prior to the pause extension with paystubs that would put me at {$0.00} but once the pause was extended they magically lost this. They are now harassing me and threatening to report me to credit bureaus. I just lost my mother to XXXX on XX/XX/XXXX this year, I lost my job, I'm literally holding on by a thread and credit is something that's helping me keep my head above water for bills and rent. If they send that they'll essentially be forcing me out of my home and to be homeless. Navient didn't even care when I informed them of my mother 's passing and my IDR. They are predatory and would rather get paid {$200.00} even if it cost a person their living situation.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (CA)

Hi, The collection company McCarthy , Burgess & Wolff is going after former employees for debt, occurred by their former employer. 

The employer, XXXX XXXX , XXXX has ceased transacting business on XX/XX/2019 - see State of Delaware Short Form Certificate of Dissolution. 

According to a former law firm of the employer ( XXXX XXXX ), there is still an outstanding balance of {$13000.00} against XXXX XXXX. Although this outstanding debt is not confirmed by XXXX XXXX, XXXX XXXX has informed the law firm that the company has ceased operations, and there are no assets to distribute. - see letter to XXXX XXXX with USPS tracking and receipt confirmation. 

Now, the collection agency is sending letters for wrongful collection of debt to an employee of XXXX XXXX  to his home address (! ), threatening to solve the matter " not amicably '', if no payment is received.
Consumer complaint received 2022-08-31
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. (FL)

In accordance with the fair credit reporting act XXXX Mortgage ( XXXX XXXX ) account number 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 XXXX : it also states a customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (TX)

I got two loans from studentaid.gov XXXX months ago. I am trying to pay it back and it says to contact my loan officer MOHELA. I have contacted them to make payments and they deny having any information in their system on my loan, despite charging me interest. I am not able to make any payments or create an account and I want to pay off my loan to prevent paying anymore interest. They have not let me know when I will be able to start making payments and they continue to charge me more interest everyday.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I noticed multiple accounts and Inquiries on my report from XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX Then there is a Auto Loan from XXXX  XXXX XXXX which states its 30 days late in XXXX  30 days late in XXXX then 60 days late in XXXX which is not even possible
Consumer complaint received 2021-12-27
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. (NJ)

I noticed multiple accounts and Inquiries on my report from XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Then there is a Auto Loan from XXXX  XXXX XXXX which states its 30 days late in XXXX 30 days late in XXXX then 60 days late in XXXX which is not even possible
Consumer complaint received 2021-12-27
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. (FL)

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

I used XXXX to wire money to my ex girlfriend {$6200.00} dollars she scam me but the bank will not approved This report as fraud when she literally scammed me she blocked me she stopped receiving phone calls and messages once I send the money In a time lapse of three months
Consumer complaint received 2021-12-27
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: EQUIFAX, INC. (FL)

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2021-12-27
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. (FL)

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I used XXXX XXXX  to check my consumer report on two separate occasions, I noticed a transaction was placed on my report and shortly after was deleted. this goes against the fair credit reporting act because as it stands, information furnished to any consumer report must be accurate and I understand I was violated and as a result was damaged. the information was deleted showing me XXXX XXXX allowed inaccurate information to be furnished initially. and admitted to their fault by deleting the account.
Consumer complaint received 2021-12-27
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-27
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2019-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. 

XXXX XX/XX/XXXX XXXX/XXXXt XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-07-26
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: Paypal Holdings, Inc (MO)

When checking my credit card statement, I noticed a charge for {$44.00} to XXXX. When I called the phone number associated with the charge it was PayPal. I opened a dispute with PayPal & they denied my dispute. Anytime I make a purchase though XXXX, I get an email with description of what it was. ( ie. songs or what have you ) I received no email on this transaction and it is not associated with my XXXX or XXXX account. I did not authorize this charge.