davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Everytime I make a payment on my capital one account they hold my payments without notices for almost 10 business days. This is every single payment. I have called capital one on this and they advised me they can do whatever they want. My last payment was on XX/XX/21 and that payment still HASNT posted to my available credit. Capital one deducted this from my external checking on XX/XX/21 and the funds cleared. However even though I have proof they deducted my account over a week ago. They still dont care. This is reflecting my account - {$5.00} however again availability of credit shows {$0.00} this means I cant use the card. Ive called multiple times asking if I can use the card for gas and they dont care. They told me I need to wait until they decide to release my payments. They also told me they can hold my payments anytime they see fit even though they received the funds. So basically capital one takes your money and then holds your money instead of applying it to your card. They never advise you their holding the payment in fact they show it posted. Which is misleading. 

In addition to that capital one shows a fraudulent checking account on my profile I never opened. It says joint and thats a lie. It has an address thats invalid and its negative. I did call about this. Since then I filed bankruptcy because the identity theft the checking account thats fraud was included which was discharged I want this account closed and my liability removed.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Resurgent Capital alleges I owe them money for a credit card debt. The debt never existed. I have request they provide proof of the debt. The attachment is what they provided me that they claim is proof of the debt. They made up this alleged debt on their computer. I made up the same kind of documents on my computer and sent it to them. Legal proof of a debt as defined by the fair credit act is 1 : Credit card receipt with my name on it 2 : Credit card contract 3 : Phone records where I allegedly activated this credit card. The document the company submitted as proof of debt was fabricated by them. Read their XXXX  complaints and their CFPB complaints. They have tried to scam many people by making up fictions debts. If they can not legally prove ( Which they have yet to do ) this debt then I want their trade line removed from my XXXX  and XXXX  credit report.

Under CFPB guidelines ( as I understand them ) for debt verification a debt collector must provide a receipt with the person name on it or a contract between the original company and the debtor or phone records showing conversations between the debtor and original owner of the debt. Resurgent has not provided any of that information.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX Account XXXX : XXXX XXXX
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Oasis Legal Finance Holding Company, LLC (IL)

On XX/XX/XXXX, I became aware of several issues due to a mortgage company performing a soft pull on my credit without express consent or authorization from me. In fact, I never contacted or spoke with XXXX XXXX. They mailed me a copy of my credit report, and it stated that I have a Code XXXX : Too many consumer finance company accounts. For some reason, my XXXX  account was " unfrozen '', which I had placed a request at least 1.5 years ago for an XXXX  account freeze. 

On XX/XX/XXXX at XXXX, I called XXXX  and spoke with agent XXXX . He stated that the " too many consumer finance company accounts '' were because Oasis Financial did 2 " hard pulls '' on my credit : XX/XX/XXXX, and XX/XX/XXXX. l have a worker 's comp case that has been active for over 2 years now. I was assured by XXXX at Oasis that Oasis " never pulls credit '', because they have a lien against the case. I was told this several times by XXXX, but Oasis went and did a " hard pull '' on my credit without my express authorization! I was told by XXXX at XXXX  to : 1.File a complaint with the FTC 2 . File a police report, which I will do tomorrow. 

XXXX also placed a Fraud Alert on my account, which will be relayed to the 2 other credit bureaus. The Fraud Alert Number is : XXXX. I need to 2 " hard pulls '' against my credit! taken off, because I was assured several times by XXXX and other associates that Oasis does not check credit, which is untrue
Consumer complaint received 2021-07-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TN)

I owed money on a car that I had to surrender due to loss of employment back in XXXX. I was told by Santander that it was charged off but the debt kept on getting added back to my credit report every year. I had to dispute it every year to get it removed, they added it back to my credit report this year ( XX/XX/XXXX ) as a brand new collection account with no reference to the XXXX Santander account. I called XXXX and spoke to a lady that agreed to send me an e-mail that links the original Santander account to the new collection account they posted, XXXX became aware we needed this to proceed with our home loan and hijacked the call. I asked XXXX XXXX ; who is the Vice Executive Presdident of Operations for XXXX XXXX XXXX, to send me an e-mail with a report stating that this was for the Santander XXXX account not a new account but he refused to because I needed this to prove to my lender that this was not a new account which XXXX  was trying to make it look like, and even lied to me saying that this is not linked to the XXXX Santander account and it was a new debt as of XXXX. Since the way they posted it to my credit it makes it look like it is a new collection account. He told me over the phone that he will not help us close on our new home ( sending me a debt verification e-mail ) unless we paid him {$4000.00}, otherwise he isn't going to send over anything to verify the debt with our lender. His name is XXXX XXXX with XXXX XXXX XXXX.
Consumer complaint received 2021-07-27
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. (GA)

I reached out to my mortgage loan officer who I refinanced my home through about a year ago and I begin to start to process of purchasing a second home. She reviewed my credit with me and I noticed several accounts on there that are not mine. First there is a Bankruptcy on there. I reached out to the Bankruptcy court here in Ga and they was not able to locate a Bankruptcy under my social so that needs to be taken off immediately. There were several other accounts as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEP ED. There were also several inquiries that I know nothing about 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 I have reached out and filed a compliant with the FTC and reach out to the police here. I am doing this on my own and need some help with this situation.
Consumer complaint received 2021-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC (FL)

on XX/XX/2021 and email was received stating my payment will be taken out on XX/XX/2021. However, I had never heard of this company, I tried to contact the company via phone numbers on the website and email and the calls could not go through. I reached out via XXXX and XXXX. As I never heard of this company or applied for a loan through any of the sub-companies they have listed. I have asked for my information to be removed or how to go about it. They will not answer and when they do they do not offer help. I did not give permission to a company i have no clue who they are to offer me loans or to even have my personal information. I want it removed.
Consumer complaint received 2021-07-27
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: Google Compare Credit Cards Inc. (GA)

I do not understand why google is refunding 10 transactions in the amount of {$890.00} USD, and the representment from google to XXXX credit card bank for the Dispute Reversal Request from Pages 6 through 15 shows 84 Unauthenticated purchases and therefore Unauthorized be

cause google on their own allowed those transactions without the password challenge that was supposed to be entered for every transaction. According to the google representment, 29 of the 84 unauthenticated transactions showed disputed ( 25 transactions of {$99.00}, and 4 transactions of {$49.00} ). My credit card dispute following my observation of unauthorize transactions were 24 transactions in the total amount of {$2100.00}. So, I do not understand why I am getting a partial refund of {$890.00}, instead of the full amount of {$2100.00}. I did not see the representment from google before my dispute, it would have even been more than the {$2100.00} that I originally disputed. Please review your records and kindly refund me the balance. 

Please see below the tabulated dispute submitted to XXXX credit card bank. 


DATE AMOUNT QTY. TOTAL AMT. 
XX/XX/XXXX {$49.00} 1 {$49.00} XX/XX/XXXX {$99.00} 7 {$690.00} XX/XX/XXXX {$99.00} 1 {$99.00} XX/XX/XXXX {$99.00} 3 {$290.00} XX/XX/XXXX {$99.00} 1 {$99.00} XX/XX/XXXX {$99.00} 6 {$590.00} XX/XX/XXXX {$49.00} 3 {$140.00} XX/XX/XXXX {$99.00} 1 {$99.00} XX/XX/XXXX {$49.00} 1 {$49.00} TOTAL TRANSACTION 24 {$2100.00}. 


Also refer to my email dated Friday, XX/XX/XXXX, XXXX XXXX  EST, Monday, XX/XX/XXXX, XXXX XXXX  EST, and Monday, XX/XX/XXXX, XXXX XXXX  EST to google team.

Please I do not agree with the partial refund of 10 transactions in the amount of {$890.00} USD.

Google still owes me a refund balance of 14 transaction in the amount of {$1200.00} Thank you. 


Yours Truly, XXXX XXXX
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/XXXX ; I initiated a PayPal Pay in 4 loan. I selected a direct ACH transfer from my bank. That option typically takes 1-3 days to process. On XX/XX/XXXX the money was successfully transferred to PayPal and I receive a confirmation. On XX/XX/XXXX I paid my 2nd loan payment. The next Payment Date is now XX/XX/XXXX. On XX/XX/XXXX ; they charged me a late fee of XXXX. On XX/XX/XXXX ; I was paid XXXX by an outside party through PayPal. PayPal removed that money from my balance without informing me and without leaving a paper trail. After that XXXX dollars were removed ; I was left with a XXXX cent negative balance. Upon writing this complaint ; I notice that PayPal has charged another XXXX as a late fee. 


( As a note : I asked for my ACH Transfer to be switched over to my card on the XXXX )
Consumer complaint received 2019-12-13
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 (GA)

Capital one closed account without notice before due date of mailed in payment, payment made left a credit of {$490.00} and was told that I would receive a check in 60-90 days of the credit. account has only been open 30 days and payment was posted on the XXXX and applied. I spoke to fraud department and was told it was necessary to take 60-90 days without any explanation, payment only took one day to post to account and account is closed so no further adjustment can be made. balance has already been determined and applied, yet I will have to wait longer then account was open for a return of the credit {$490.00}. it takes less then 7 days to post a check, and account shows already posted..check was mailed out XX/XX/19 and received XX/XX/19 account number ending in XXXX certified mail number XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XXXX I sent a letter regarding misleading and false reporting on my credit report. To this Day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it had been over 60days so they should be updated promptly. I CLEARLY ASKED IN MY LETTERS THAT THESE ACCOUNTS BE VALIDATED/VERIFIED BY THE ORIGINAL CONTRACT WITH MY SIGNED SIGNATURE ON IT. I HAVE NOT RECEIVED ANY VALIDATION OF A SIGNED CONTRACT. I demand these accounts be DELETED as stated in complaint letter immediately or I will file for litigation due to the stress you caused me. 

I, XXXX XXXX gives CFPB permission/ 3RD PARTY AUTHORIZATION to investigate on my behalf I have attached a copy of my ID and social security card for proof of identity.
Consumer complaint received 2021-07-27
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. (PA)

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX. Also please remove the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX, and XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (DC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

We refinanced our primary mortgage with Citibank and the servicing company XXXX XXXX XXXX in XX/XX/2021. Citibank did not shut down the ACH payment on the old loan so a full mortgage payment was taken out 2 days after the old loan was paid off - a clear overpayment. XXXX  on instructions from Citibank did not refund that to me but rather applied the full amount to the new Escrow balance and we now have an overfunded Escrow balance. Citibank never asked my permission for this, and was unable to provide any explanation or accounting for this. Thankfully XXXX has been able to explain and track the funds and offer me a refund but only after multiple calls and no help from Citibank. The bank acts as if they are the customer - it was their choice to outsource their servicing to XXXX not mine. They have not communicated, asked permission or been able to provide any accounting on what happened to a mortgage payment that should have been stopped but for their incompetence.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have obtained a copy of my credit report and discovered it contained an inaccurate report of a Bankruptcy filing. I have contacted the three credit reporting agencies ( Trans Union, XXXX and XXXX ) by mail ( certified copy is attached ) and was informed that this information is verified, or has been provided by a third party information collector. 

I also contacted the Bankruptcy Court of record and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. While this issue may not approach the threshold of Bankruptcy fraud by an individual or business, the practice undermines the entire system of these firms are allowed to publish old, outdated information and inaccurate data beyond the scope of the FCRA. Especially, in matters as dire as Bankruptcy. I am reporting this matter in hopes you will investigate these practices for I have been led to believe this is not at all uncommon and highly dubious. ( Please see attached )
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NM)

I have repeatedly tried to address this, but believe the issue now falls under the categories of discrimination and harassment. 

Chase refuses to change the name on my account, and now no longer allows me to submit a request through their site and does not respond to previous requests. Las request was submitted on XX/XX/21. 

Ive asked repeatedly that my name and gender be changed per my attached court order, but even today when I logged in, the account still has my old name attached to it.
Consumer complaint received 2019-12-16
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: CITIBANK, N.A. (NJ)

I had 2 fraudulent charges on my credit card account on XX/XX/XXXX in the amounts of XXXX & XXXX form XXXX XXXX card. During the dispute the charges remained on my account as this was odd they wouldn't temporary remove the charges until investigation was closed. I already felt there was bias. After 3 weeks I received a letter stating I was responsible for the charges as the chip card was used. This was impossible as I had the card in possession and used it that day on other transactions.
Consumer complaint received 2019-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (IN)

Claim is for a debt of XXXX allegedly owed to Pay-Pal, from an address I have not lived at for more than 8 years. not sure how my information was obtained but need this to stop. they call multiple times a day. Have demanded proof of debt, which they refuse to send me. XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX   XXXX XXXX, Wa XXXX, is their  physical address, mail address is XXXX XXXX XXXX, XXXX, Wa XXXX.
Consumer complaint received 2024-01-30
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. (OH)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXXXXXX XXXX  XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX : {$160.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX  XXXX Balance Owed : {$780.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.