davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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 (NJ)

Dear CFPB, I have a credit card ( ending XXXX ) with Capitalone Bank. I made a small {$1.00} payment via XXXX and that was for a small purchase. Capitalone coded this transaction as cash advance and charged me {$10.00} cash advance fee plus daily interest starting day 1 of transaction. Once I noticed this issue, I called Capitalone and explained. There is no way someone wants to cash advance {$1.00}. Capitalone customer service is not helping and refused my request for fee refund. Then I got to speak to a supervisor and she confirmed with me that if the original purchase transaction is revsesed, the fee will also be reversed. I have now reversed the XXXX transaction and now the original {$1.00} went back to my credit card. HOWEVER, the {$10.00} cash advance fee is still there! Capitalone is just using this almost fraudulent way to overcharge customers.
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (OK)

My complaint is against Midland collection agency collecting for a debt for ( XXXX XXXX i used impersonate because midland isnt the one i might have this debt with, and how did midland take control of this debt how was it purchased im asking for the contract between midland collections and XXXX XXXXXXXX making midland the owner of this account and how can midland collect on an account they never were a part of, and give them the rights to report there involvement to the three main credit reporting agencys and reporting it as a new account a account they never owned 15usc1681 reporting act. Its greed in violation of my consumer rights and each violation come a fine of {$1000.00}
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/ a bankruptcy was shared on to XXXX XXXX and XXXX. 

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 may not furnish a account without my written instructions.
Consumer complaint received 2023-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I keep getting incorrect information from Navient concerning my forbearance, being bullied into a consolidation loan, told my loan was NOT eligible for forgiveness when on the Navient list  XXXX XXXXXXXX XXXX XXXX as XXXX of the schools which is eligible for forgiveness, and losing my financial information for an income based payment plan which the Navient rep said she received and my monthly payment would be XXXX. 
All the while, Navient has wrongfully destroyed my credit score preventing me in getting any consumer loans which would help me financially to get me back on my feet.
Consumer complaint received 2019-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Today- XX/XX/2019 at XXXX XXXX  PDT ; someone used my Paypal account linked to a XXXX XXXX debit mastercard with XXXX termination that owns my daughter XXXX XXXX , account that I let her use, to send {$20.00} dollars ( {$27.00} with fees ) amount to XXXX XXXX XXXX , with transaction ID XXXX and e-mail contact XXXX without my consent or knowing. 

There were another three attempts, but affortunaly I was able to cancel them : - XXXX XXXX XXXX with a {$250.00} MXN amount with Transaction ID XXXX at XXXX XXXX   PDT ; contact e-mail XXXX. 
XXXX XXXX XXXX with a {$50.00} MXN amount with Transaction ID XXXX at XXXX XXXX PDT ; -XXXX XXXX XXXX with a {$35.00} MXN amount with Transaction ID XXXX at XXXX XXXX PDT ; contact e-mail XXXX. All of them made at the same date mentioned above.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: U.S. BANCORP (VA)

I had a 30 month cd with State Farm at 1.98 % beginning in XX/XX/XXXX that was maturing on XX/XX/XXXX. The account was sold to US Bank in XXXX. The letter fronm usBank on XX/XX/XXXX said your CD will be maturing on XX/XX/XXXX and if you wish to automatically renew your certificate no action is required. I had no reason to believe anything was changing on my CD. As of XX/XX/XXXX, today, i learned they renewed my certificate at .05 % interest. If i had not made call today, to USBank about proof of CD renewing i would never have found out that they had reduced my interest rate to almost nothing. I canceled my CD and had to pay a penalty of {$3200.00}. I was given no explanation of how legally they dropped my interest rate, other than that i should have asked for their " special rate ''. Not only have i not made ANY money in the last 8 months, but it cost me {$3200.00} to cancel my CD so i could move it somewhere for a higher rate. I have all the paperwork and names of relevant people involved for reference.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In XX/XX/2023 XXXX XXXX XXXXXXXX couldn't approve my XXXX XXXX XXXX XXXX XXXX XXXX following false reasons from an incorrect report obtained from Experian
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have successfully completed the PHH trial payment period, executed PHH loan modification documents, and am current in my monthly mortgage payments and YET PHH has NOT filed a NOTICE OF RECISSION OF TRUSTEE '' S SALE ( as PHH rep 's promised they would and send me a conformed copy from the XXXX XXXX XXXX XXXX XXXX ) and continues to report false information to the credit bureaus thus PREVENTING ME and causing me irreparable financial damage as I can NOT obtain mortgage loan or any other consumer loans
Consumer complaint received 2016-04-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC (FL)

For months I have written One Advantage collection company, requesting a validation on debts they have issues on my credit report. They have issues a total of XXXX accounts ( # 's XXXX,XXXX, and XXXX.Please have this company validate these account and inform me of their finding.
Consumer complaint received 2023-01-13
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)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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. (GA)

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

on XX/XX/2023 at XXXX I returned a phone call from an unknown number and reached someone who identified herself as XXXX calling from the XXXX XXXX County Court House mediation department about a debt I owed to Orchard Bank, Capital One, XXXX or Metris Bank. I told her I am not familiar with this debt and asked for the contact information of someone to talk to about it and she said that it is " too late to talk to the Plaintiff, Orchard Bank ''. She said the case number is XXXX. I kept confirming that she was calling from the XXXX XXXX County Court House and she would answer " yes ''. After my continued questioning she told me she would be sending my information to be sued and I said so you are not calling from the XXXX XXXX County Court and she said " good luck to you ''. I tried calling back several times, however, she would hang up, not answer, or put me on terminal hold. Eventually I called again and someone else answered as XXXX XXXX XXXX XXXX but immediately transferred her back to her. At that point she said I owed {$1700.00} and it's too late to discuss they are suing me for the balance. I called again and a person named XXXX answered, I expressed my concerns to her and she told me me she will have the recorded call pulled and send me the original documents of the alleged debt that I don't believe I owe and is not on my credit report. XXXX also told me the supervisor there is named XXXX. I asked if someone would be calling me back about my complaint and she said yes and will be sending my original documents.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (LA)

On XX/XX/23 I deposited a check into my savings account with Citibank that I received from one of my tenants. On XX/XX/23 at XXXX I was able to pay a bill and log on to my account. At XXXX my account had been restricted and all access to my account was blocked. I contacted customer service to inquire about my account and was told it was restricted due to the deposit of a stolen check. I told them it was not stolen. He stated that it needed further investigation and call back in 24 hours. I have called and spoken to numerous customer service representatives to be told that they need to verify the check by the maker but every time she calls they tell her that the phone number shes calling from is not in her name. They have already taken the funds from her bank but state that the check is unverified. They sent me an email on XX/XX/23 stating that they are closing my account and no debits or credits can come through but they accepted my direct deposit on XX/XX/23. They now have everything locked in an account and will not give it back for 30-60 days. 
Attached is proof that the check was valid and was taken from my tenants account.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I went to the Citibank Headquarters ' branch on XX/XX/XXXX. They advertised me the Citigold Account and the bonuses for opening up an account at Citibank as a new customer. 

I chose to deposit {$30000.00} for a {$500.00} account bonus and they opened up a Citi Priority account. The terms were to initially keep the funds in the account for 20 days ( XX/XX/XXXX ) to determine the maximum account bonus. After that to keep the funds in the account for an additional 60 days ( XX/XX/XXXX ) to guarantee my bonus. Then finally, wait an additional 30 days ( XX/XX/XXXX ) for the funds to be credited to my account. 

I have went to the physical branch, complained through email several times, and contacted customer service multiple times through the app and the phone over the course of a month. They claimed to have opened a research case for me on XXXX XXXX ( an entire month ago ) and that it is marked as top priority that has been escalated. It is already nearly 2 months overdue and I have complained multiple times on every source possible ( phone, email, app, in-person ) and I still have not been credited my account bonus. 

I contacted customer service over the phone on XXXX XXXX to escalate to a supervisor. The supervisor claimed she would call me back within 24-48 hours but this was not the case either.
Consumer complaint received 2023-10-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TX)

Hello, I was told by Synchrony Bank I would be fully refunded for all of the payments that were made towards my account ending in XXXX. I have yet to see a full refund from this company. The total of all payments from XXXX - XXXX is {$6000.00}. I will provide the documentation for reference. 


Thank you, XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I do not own these debts and have submitted identity theft claims Collections : XXXX XXXX XXXX - {$2600.00} - XX/XX/XXXXXXXX  Collections : Credit Collection XXXX - {$86.00} - XX/XX/XXXX XXXX
Consumer complaint received 2023-01-21
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. (IN)

I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed : Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling and current address. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one name on my credit report, which is XXXX, XXXX XXXX ( not in all capital letters, I am not a corporation, I'm a living human ). 

Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX