davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

MY INFROMATION WAS USED FRADUALENTLY TO OPEN SEVERAL AACOUNTSDUE TO IDENTITY THEFT WHICH RESULTED IN FRAUDULENT ACCOUNTS BEINGOPENED AND SEVERAL INQUIRIES BEING FRAUDULENTLY MADE. ATTENTIVELYREVIEW my formal writ composed DECLARATION of Not Proven CompliantMisinformation that is all or in part : DEFICIENT of adequate current status in fullnessof TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory andregulatory requisite compliant reporting thereby mandating your immediate actionsto rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returningto DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 datafield formatted reporting! To be clear, you are mandated by laws to eliminate everynotation and or aspect of any and all derogatory and adversary items from any and allalleged claims still yet unproven to be true, correct, complete, timely, documented asbeing mine, testimonial to be of my responsibility, with FCRA compliance, and orCRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and allderogatory or potentially injurious reporting MUST be all of the aforementioned andcan NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTsensuring the physically verifiability of the CONFIRMED manual validation of any itemupon a consumer complaint, such as is this notice here and now.Please RETURN to orretain federally lawful reporting with your unwavering and unconditional annulmentof every single one even each any and or all of the allegations accused of medeficient of physical evidence to every and all aspects of said claims, be them true ornot. I would like to forge forward with a righted disputation challenging what likely isan inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not evenof my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements andinjury to my credibility. While studying my report I have come across a number ofmistakes and inaccuracies that you are reporting.Please review and eradicate any andall of these following unproven true, correct, complete, timely, mine, myresponsibility, FCRA compliant, metro 2 compliant, or else wise compliant to everysingle one even each any and all of the regulations, laws, and standards of reportingof which you are undoubtedly mandated in your obligation to obey : The followingallegations each require immediate deletion, do so now and here!
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My Transunion report has multiple delinquent from XXXX XXXX  and XXXX credit.Cfpb already intervened directly between companies and they agreed to remove delinquent off all three reports but it is still on my transunion reports. XXXX agreed to remove accounts off all three reports.
Consumer complaint received 2023-01-23
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: Paypal Holdings, Inc (NY)

Opened dispute through PayPal on XX/XX/2022 for receiving the wrong item. They sent a wig with synthetic hair and not the length of XXXX inches. Instead they sent a wig with XXXX inch and barely XXXX inches just along XXXX weft. The wig resembles a troll with all the different lengths. The company reached out to provide a {$30.00} refund to me and then a {$40.00} refund if I send the item back. PayPal advised if I send it back I can get a full refund so I declined the vendor alipearl. The next day PayPal closed the claim stating that the vendor does not refund for altered products but I had to attempt to style the wig like curl or straighten it and it burns and does not curl. Then PayPal advised I can only get a {$50.00} voucher through PayPal. 
Now I am trying to use the voucher and now PayPal is telling me they only have a {$20.00} voucher not {$50.00}. 
PayPal tells lies and does not allow me to screenshot our messages due to security reasons. Yet they don't update the conversation within the claim. I want a full refund as the item was not human hair nor XXXX inches and proof was given of the quality. XXXX purchasing a pair of shoes and they begin to tear after XXXX wear. The hair looks nothing to what I received. It does not move, it's not human hair. 

Product Link : XXXX XXXX XXXX
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (TN)

Citi Bank Cash Bonus issue for Opening Account This complaint is for the Citi Bank bonus offer for new checking account. Citi Bank claimed to offer XXXX XXXX  and XXXX bonus based on the deposit amount for the new account opening but has discriminatory terms for online account for which only give 20 days to fund the account but 30 days for customers open account in person.

My husband and I both opened Citi Priority account online and I called account opening team to make sure our accounts are in good standing and someone can be our banker/contact point, the number I called was XXXX, the account opening team ( option 1 ) confirmed with me {$700.00} bonus for deposit XXXX or more, and it was 30 days ( rather than 20 days ) to fund the account, as long as XXXX were all in before XX/XX/XXXX we would receive {$700.00} each. When the bonus is {$400.00} short I was so confused but informed by customer service team that Citi actually use 20 days to determine the deposit amount, and my fund was not XXXX yet on the 21st day, that's why the bonus is {$400.00} short. Because Citi discriminate online customers and use shorter period than branch customers, and people who answer phone calls didn't know this information, the mis-informed person told me the wrong date which costed me lost {$400.00} bonus and my husband lost total of {$700.00}. Both of us deposited over 100k into Citi for over 4 months and Citi didn't even apologize for the wrong information given but blamed us for not reading the terms and conditions. 

I tried to call several times, each time is more than 30 minutes wait, and customer service team hang up a few times without answer.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I have called this Columbia Debt Recovery and they said I lived at XXXX XXXX ast a resident. I have lived in XXXX at the same address for the last 15 years. I can prove this I also worked at the same job for the last 5 when they say I was living at this apartmet complex.the amount owed is {$8.00} XXXX it list 's my name as XXXX XXXX XXXX I have not been XXXX XXXX for 30 years, I have been divored from XXXX XXXX for 30 years. The person that lived at this complex at this time was my son, I was called and asked could I be an emergency contact, I was never send any mail in XXXX telling me there was an evection or money owed. I called Columbia Debt Recovery and asked them to e-mail me documents with my signaure on them and they have not done so yet. I filled a dispute with experian also. I do not know how this can be my debt when they are saying I was a resident when I was not, I was just a emergency contact, someone in the leasing office lied or mislead paperwork. This is false information, I never lived there, I CAN PROVE THAT, I NEVER RECEIVED MAIL THERE, I CAN PROVE THAT, I NEVER HAD A KEY TO THIS APARTMENT. HOW CAN I BE HELD LIABLE FOR THIS? I HAVE GOTTEN NO PAPER WORK FROM ANYONE. I JUST MOVED TO ARIZONA A YEAR AN A HALF AGO WITH MY HUSBAND, I WANT THIS REMOVED.
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XXXX  XXXXXXXX2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX XXXX  Balance : XXXX Dear PORTFOLIO RECOVERY, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other state/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  Balance : XXXX Dear MIDLAND FUNDING LLC, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau XXXX CFPB XXXX and other state/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2019-02-10
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. (TN)

I went to cosign for my mom a car and was denied due to accounts on my credit that are not mine and dont know anything about. This is really a crazy because Im confused how this could happen. I thought maybe the dealership was just giving me a hard time so I went to my bank to apply for a personal loan because I knew they would be honest unlike some car dealerships. I was also denied there as well. I'm doing this on my own behalf and i contacted my ftc and police department. Please remove these items that are not mine. XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I paid for credit monitoring with TransUnion. For. Over four months I have not been able to have my credit report accurately updated on time. I have seen icons stating that my credit report has not been updated in over 47 days, On the TransUnion 's website. And when I call to speak with a live agent I am always being told they are not able to answer any questions due to system outages. ( This has occured for three months ) transunion is effecting my ability to purchase a home .And monitor my credit.
Consumer complaint received 2023-01-16
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. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Momnt Technologies, Inc. (VA)

I got the {$4500.00} loan from Momnt ( https : //www.momnt.com/ ) when I signed up for medical treatment at in XXXX, MD . When the medical treatment became obvious to me that it was a scam, I reported them to XXXX and they agreed to give me a full refund if I dropped my complaint. I agreed. 

The loan was forgiven immediately, but I had already made four {$250.00} payments on the loan. I waited a few months for my {$1000.00} refund, when I never received it, I began calling their customer support. In XXXX, I called them and spoke to a manager ( I didn't record his name ) and he agreed that the money was owed and that it would take up to two weeks to process it. 

After three weeks on XX/XX/XXXX, I called customer support again and talked with a woman by then name of XXXX ; she confirmed that the refund was owed and promised to call me back when she knew why it was not issued. She never called me back. 

On XX/XX/XXXX, I called customer support again. This time I spoke with XXXX who also confirmed the refund was owed but that the system that processed these refunds was down and that it may take months to repair. She told me an email would be sent when it was fixed. 

It does not take months to fix a system. I wonder if they business is failing, and they are holding on to not only my money but others owed to delay their demise. Whatever, I am being mistreated, probably illegally, by this lending company, Momnt.
Consumer complaint received 2019-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

XXXX XXXX XXXX To Whom it may Concern. This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2019-12-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I went to a teller and made a deposit because the outside ATM was down so I had to go inside I made a deposit for my life insurance but did not get credit for it I call and complain still to this day they did not credit my account this was back in XXXX or XXXX they also charge a credit card payment to my account that I already removed the payment information from but I prove my case and it was reversed
Consumer complaint received 2023-05-13
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 (CA)

Through a promotion of XXXX, I was matched with a Capital One XXXX card, which I then applied for and received. One of the benefits promised was supposed to be no annual fee for the first year and {$95.00} a year thereafter. The day I received the physical credit card there was a {$95.00} charge for an annual fee on the account. I called Capital One and after 20 minutes on the phone the best they could do was tell me that my complaint should be taken to XXXX. So I called XXXX and spoke to an offshore help line. After 20 minutes with them, a supervisor came on the line to tell me that since they hadnt charged me anything i should take my complaint to Capital One, and then he hung up on me at which point I heard a recording say thank you for calling XXXX. I will continue to follow up with Capital One another day, as Im not willing to give it another 40 minutes today, but I wanted to formalize a complaint as I smell a scam.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

From XX/XX/2021, until the beginning of XXXX, I was abroad, in XXXX, where I used my debit card. 
Unfortunately I did not have access to my bank account during this period because the online account asked me to verify my identity through a code sent to my phone, which was out of service abroad. 
When I return from my trip, I discover to my surprise that the bank has charged me {$40.00} for the use of my card as a fee. This, for the withdrawal of money from the automatic cashier ( {$20.00} ) and in fee when using the card to make payments ( with a total of {$19.00}, but that are dozens of small charges ). 
When I first called the bank, the agent told me that they would reimburse me {$20.00}. 
In a second call, because later I understood that the total was {$40.00} and not XXXX, great was my surprise when the new agent informed me that the refund had not been approved by the system in its entirety, only {$5.00}. 
It seems to me that these charges are, in addition to being unjustified, abusive.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Good day, On XX/XX/2022, when i open my email and my PayPal account i received a message that " You can no longer do business with PayPal ( Ref ID - XXXX ) '' without any explanation why my account was permanently limit i use my account for my business and i need it can you please help me to recover my account and lift my limitation so i can withdraw the hold fund on my account and i can use again it for my business. 

Thank you Very Much!