davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear Capital One, I am member since XXXX and I am maintain my capital one account good standing. 
I paid of my account last month full and they have a interest fees on my account {$23.00} I called XX/XX/XXXX XXXX PST your called center and answered Mrs.XXXX  ( Employer ID # XXXX ) asking please waiver that fees and they she treated me very unprofessionally and refused to waive that fees. 
I asked to transfer supervisor and she said she the one big head of this department and she refused to transfer manager as well. I am so angry and I paid {$23.00}. 
I just wanted to tell your management not a good way to handle customer service like that. 
This is a complain about bad customer service experience about Mrs.XXXX. 
I felt discrimination due my talking ascent. 

Thank you XXXX XXXX
Consumer complaint received 2020-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (CA)

I'm on XXXX with XXXX  XXXX and XXXX XXXX for low income. XXXX XXXX  {$1500.00} XXXX XXXX XXXX Acc # XXXX Medicredit , Inc. {$350.00} XXXX/XXXX  XXXX, XXXX  Acc # XXXX
Consumer complaint received 2024-02-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

I have contacted this collection agency and have been getting the run around. I was reaching out to verify the address to mail my dispute letter. I never received a notice about this debt and I currently have another phone carrier during the year it said that the account was opened.
Consumer complaint received 2020-04-03
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-04-03
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$370.00} XXXX XXXXXXXX {$46000.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6800.00}
Consumer complaint received 2020-04-03
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2022-12-28
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX Balance : {$440.00}, XXXX XXXX XXXX Balance : {$5200.00}
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (MI)

Navy federal withdrew money from my account to apply to a credit card debt that was close and charged as a right off this account been closed for over a year they refuse to return my money they credited me {$200.00} back but theyre still {$1500.00} more that was for my rent
Consumer complaint received 2020-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

I have {$49.00} in my PayPal account. 

When I try to transfer my PayPal balance to my bank account which is verified by it, the following message is displayed : Theres a problem Right now, were not able to transfer the money to your bank. 

I have e-mailed PayPal ( as well as its CEO ) but have not received any reply. 

PayPal is holding on to my money and not letting me get it.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

I was on the phone today for over an hour trying to resolve this they were incompetent saying they were reporting me on time I was transferred about 6 different times finally the last person was like oh yeah were reporting incorrectly but said she couldnt fix it needed to transfer me to another person she then transferred me to a disconnected number very rude and Unprofessional. They have been reporting incorrectly since XXXX.
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Recently our mortgage was sold to Mr. Cooper. Due to an escrow shortage our monthly payment increased about {$400.00}. I called Mr. Cooper in XXXX and was offered multiple options to spread out the payments or change the minimum balance in the escrow account. After discussing with the representative we decided on spreading the payments out over 12 months ( keeping the increase at $ XXXX XXXX, but they offered that I could call back and spread it out over a longer period of time or reduce the minimum in the account if needed. 

Due to COVID-19 both my husband and I are temporarily not working. I called Mr. Cooper to see if I could spread the escrow payment out over a longer period of time to give us a little bit of cushion during this time. I was told the policy was changed in XXXX. I asked if they had informed customers of this change and they did not. In the policy change they also stopped the ability to change the minimum amount in the escrow account. 

The representative reiterated multiple times that " no one else had called with this problem '' to undermine my complaint. They also said " it ( the company policy ) was changed in the system, there's nothing we can do ''
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK (LA)

On XX/XX/2020, I mobile deposited a check in the amount of {$2600.00} into my Hancock/Whitney personal checking account from XXXX XXXX XXXX. I took two images front and back over my mobile phone. I patiently waited for the funds to clear into my account. On XX/XX/2020, the funds were not available. And there was not an image of the check just a description saying the Institution was Hancock/Whitney. On XX/XX/2020, I called Whitney Bank to see if the funds were deposited into my account. I was told from an agent the funds would not get deposited into the account until XX/XX/2020. I didn't ask any questions. On XX/XX/2020, I received an threatening email stating they will charge me return check fees if XXXX XXXX does not pay the funds of the check. I have a personal checking account with Whitney Bank so I should never get charged for returned check fees for a checks. I patiently waited for my funds to get deposited into my account. I still don't have a clear image of the deposited check into my account. On XX/XX/2020, I received the funds deposited into my account. I waited an entire week for the funds to clear which is ridiculous for any one that personally bank with this business. I called to inform them that the check image was still not showing up in my account. I was put on hold for another agent. And the second agent just left me on hold. For more than two years, I have been correcting the errors that are made by the people that work for Hancock/Whitney Bank. I call the customer service line and get mistreated with getting my calls transferred more than two or three times per call. Sometimes my call never get answered. I get rude threatening emails. I receive postal mail from Whitney Bank with my name spelled wrong and I have made formal complaints to the company as well as Consumer Finance. It's very clear that they are retaliating against me. And I think it's very unprofessional for adults to conduct themselves in a childish unprofessional manner.
Consumer complaint received 2022-12-28
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-04-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was not able to initiate online a dispute ( collection ) with the 3 credit reporting agencies. 
I received " system not available '' massages from all 3 agencies (  XXXX, Transunion and XXXX  XXXX. Phone call resulted in long waits and bad connections. I was not able to accomplish the dispute.
Consumer complaint received 2020-04-03
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. (AL)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX {$500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$300.00} XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$610.00} XXXXXXXX XXXX {$52000.00}
Consumer complaint received 2020-04-03
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. (AL)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX {$500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$300.00} XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$610.00} USDOE/XXXX XXXX {$52000.00}
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (MD)

Subject : Dispute of Fraudulent Account and Request for Information Under FCRA Dear XXXX, I have been disputing this since 2022. 

I am writing to dispute the presence of a fraudulent account listed on my credit report. This account, associated with XXXX XXXX, does not belong to me, and I have never authorized or engaged in any transactions with XXXX. I believe this account to be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), and Section 611 ( 15 U.S.C. 1681i ), I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with this account, and documentation that you have that shows my alleged agreement to open this account.

Additionally, pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I request the immediate blocking of this fraudulent account from my credit report since it results from identity theft. Attached, please find a copy of the Identity Theft Report and proof of my identity, which support my claim.

Please take the following actions as required by law : 1. Conduct a thorough investigation into the disputed account.

2. Remove or block this fraudulent account from my credit report if it can not be verified as mine.

3. Provide me with the documentation as requested above.

4. Send me a written confirmation of the removal or blocking of this account from my credit report.

I expect these actions to be completed within the statutory timeframe provided by the FCRA, and I ask to be kept informed of the progress of your investigation. Failure to comply with federal law may result in my seeking legal advice and taking further action as necessary.

Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution of this issue. Please contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

After reviewing credit report XXXX  XXXX continues to furnish inaccurate data on credit report. 
Account satisfied in full. Requested company to further investigate negative remarks on credit reports. With information placed on credit files, this continues to deplete score and credit worthiness.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX someone stole my debit card information and used it to buy several day passes to a fair in XXXX XXXX Massachusetts. I was on a flight from AZ to WA at the time the transaction happened without access to the internet so it could not have been me. Also, why would I buy day passes to a fair on the other side of the country? It makes no sense. I filed a claim with my bank, canceled my compromised card and change my account information to prevent this from happening again. Chime ( the bank I am using ) gave me a credit for the amount that was stole from me for {$200.00} three days later on XX/XX/XXXX. On XX/XX/XXXX I was informed that Chime had done an investigation on the claim and found " no error occurred '' so they denied my claim. When I called them to ask why they denied my claim and what I can do to appeal, I was told no one could tell me the reason they denied my claim. They said they can send me the " evidence '' they used to come to this conclusion in 10 days. After they have already removed the money from my account. When I asked to speak with the investigation team I was told I could not do that. No one reached out to me during the investigation process either. I am the epicenter of the entire issue and no one from my bank has spoken to me. I was told I could appeal the claim and provide evidence I was not the person who made this purchase. I sent them screenshots of my plane ticket that clearly show the flight times proving I was in the air at the time the card was used. I also had to contact the merchant because they did not. I got a copy of the transaction and sent that to them as well where you can clearly see the phone number and email address are not mine nor have they ever been registered to me. I also filed a complain with the cyber crimes division of the FBI for the crime committed against me and sent a copy of that to them as well. They denied my claim three times yesterday even after being provided with this evidence and they still have not given me a reason as to why. They will be removing this credit of {$200.00} from my account on XX/XX/XXXX despite still not giving me a reason why. The worst part is no one at the company is even willing to speak or discuss this with me. All they tell you is " I don't work in the investigations department so I don't know. '' But they don't let you talk to the investigation department or ANYONE at the company that could help explain why this is happening. I am not the first person this has happened to either. There are hundreds if not thousands of these exact stories online of Chime denying claims with clear and precise evidence to prove someone else used their account.
Consumer complaint received 2020-04-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After reviewing credit report XXXX  XXXX continues to furnish inaccurate data on credit report. 
Account satisfied in full. Requested company to further investigate negative remarks on credit reports. With information placed on credit files, this continues to deplete score and credit worthiness.
Consumer complaint received 2020-04-03
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. (AL)

I have been trying to dispute fraudulent information that I noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in several major data breaches including XXXX, XXXX, and XXXX breach.
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

XXXX XXXX Loan care servicing took over my loan from XXXX because of their Bankruptcy, they have exorbitant and unfair fees if you call in your loan payments AND they charge fees unless you pay by the 4th day of the month, even on line. 
XXXX did not have these fees. I feel they are unfair servicing fees I think they should be investigated. 
They also have upped my payment much more than they need to for escrow shortages, I have done the math and its incorrect. They are getting away with this kind of thing with everyone I am sure not just me. 
You also cant get any real help from their customer service people, they wont put you through to supervisors they just leave you on the phone hanging on. 
They need to be investigated for all their tricks.
Consumer complaint received 2020-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (RI)

I have tried repeatedly to reach this company as I have three loans in hope of some relief as my two retail shops are closed. I have no income. When I fill out form I get no response and cant get through phone lines. Today I receive this info : They are giving no relief only allow you to use a 15 day grace period. They are reporting to credit bureaus. 

XXXX! Make this company offer relief. If my government nails this company y out I will revolt like you have never seen Enough I had good credit before this get no relief for my business was and now this
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.
Consumer complaint received 2023-07-21
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 are information on my account that I have been disputing with them for the longest. The charge off/ collections most importantly. But they have said they verified the account and how when the account have been settled with the IRS and paid for little to nothing. 

15 US code 1666d ( a ) 15 US code 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) 15 US code 1681b ( a ) ( 2 ) 15 US code 1681 ( i )