davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XXXX XXXX unknown unauthorized Arch withdrawal transferred to XXXX XXXX XXXX credit card as a automatic payment from Capital One 360 banking account. I immediately reported to Capital One 360 that this was an unauthorized transaction and cancelled the payment. I informed them that I had some identity theft problems, and that I believed that someone may have access to my account. I then locked my cards and online transaction. I called XXXX XXXX XXXX reported unauthorized transaction and there was a reversal of funds. Let Capital one 360 know that XXXX had refunded the transaction of {$1500.00}, I was informed it would take 3 days to reflect in my transaction statements I was to call back if I did not see the credit or there was any other unknown or unauthorized transaction. On XXXX XXXX I again had a pending withdraw in the amount of XXXX. I called Capital one I was told that a dispute was being filed, I. 10 days I would receive a credit I. The amount of {$1500.00}, the investigation would take up to 45 days. If I did not receive my credit to call back on XXXX XXXX. On XXXX XXXX I received an alert stating the dispute was completed and settled. I had not received my credit. I called Capital One again, I was told that the dispute was not done correctly the disclaimer should have been read to me. It was read to me, then told that it would take up to another 10 days to dispute to call back on XXXX XXXX and I would get my credit. XXXX then contacted me about getting there second reversal refund of {$1500.00} credited back to them. They had sent XXXX refunds on XXXX XXXX and on XXXX XXXX. I contacted Capital One with XXXX on the phone with me to resolve the discrepancy. Capital One refused to give the second refund back claiming that the money never left my account XXXX. That the refund XXXX XXXX was just a credit received from XXXX XXXX XXXX. I asked why there had been a second transaction for the same canceled transaction of {$1500.00} on XXXX XXXX and why did my account balance not show the credit of {$1500.00} or the withdrawal and showed a balance of XXXX after the withdrawal of {$1500.00} on XXXX XXXX I was again told that it was because the investigation had not been completed. On XXXX XXXX I was told that Capital one banking had only received one credit reversal from XXXX XXXX XXXX and that I would see it cleared by XXXX XXXX.
Consumer complaint received 2017-07-26
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: QuickClick Loans of Illinois, LLC (AL)

Dear CFPB, Brookwood Loans Ga., XXXX, XXXX, XXXX. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the Brookwood loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to Brookwood loans be mailed to me. I am asking Brookwood loans to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and XXXX personal loans in my name in the state of Nevada. Now there is another loan. With Brookwood. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to Brookwood Loans XXXX Ga. To all XXXX credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from google search is that Brookwood loans operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't me.
Consumer complaint received 2024-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (AZ)

The company in question is Block , Inc. or better known as 'Square ' our new payment processing company.

We requested documentation and an explanation as to why they're holding our money for XXXX  days even though we're a credited company with XXXX  years in business with a credited history. 

They never mentioned this would happen until we processed thousands of dollars through their software and they're withholding nearly {$4000.00} and counting!
Consumer complaint received 2022-05-30
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. (GA)

I have sent several disputes to Equifax and this is my second CFPB complaint. The issue still remains and beyond ridiculous! Let me say this AGAIN I DO NOT OWE AGENCY XXXX! I STILL HAVE NOT RECEIVED ANYTHING TO PROVE HOW THIS DEBT RELATES TO ME! I HAVE REQUESTED SEVERAL TIMES. Responding an account is verified is NOT validation. I have credit monitoring I sent screenshots showing where the they illegally changed the date of this fraud account Equifax is fraudulently reporting. After the CFPB investigation not only did they change the date the account was assigned they are reporting the same account twice. The account date was XX/XX/XXXX then changed to XX/XX/XXXX now it's showing XX/XX/XXXX and XX/XX/XXXX. This is ILLEGAL! Equifax is trying to re-age a debt that should not even be on my credit report as it DOES NOT BELONG TO ME! This is negatively affecting my credit rating my score has went down. REMOVE REMOVE REMOVE NOW! I plan to seek damages if this is not handled. I am being negatively impacted by this.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

Funds were removed from my account at time of purchase from merchants, but the balance in my account fluctuates as they are posted. On XX/XX/XXXX at XXXX I made a deposit into my Chase checking account successfully bringing it out of overdraft. That same day around XXXX I discover that new transactions have been posted, pushing my checking account back into negative and I now have a {$34.00} overdraft fee.When I called Chase and spoke to a manager he told me that the funds could be reversed at a branch if I had a screenshot on my phone of my account being positive at XXXX on XX/XX/XXXX, which I do not have. This was a bank error, I need this overdraft fee removed.
Consumer complaint received 2017-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I have just read the ruling on the case of XXXX XXXX XXXX XXXX v. XXXX No. XXXX, XXXX XXXX XXXX XXXX, As Trustee for HOME EQUITY ASSET TRUST XXXX HOME EQUITY PASS-THROUGH CERTIFICATES, SERIES XXXX, Appellant, v. XXXX XXXX ; Unknown Spouse of XXXX XXXX ; XXXX XXXX XXXX, XXXX. ; XXXX XXXX XXXX Successor By Merger To XXXX XXXX XXXX XXXX XXXX, XXXX. ; UNITED STATES OF AMERICA ; Any and All Unknown Parties Claiming By, Through, Under and Against The Herein Named Individual Defendant ( s ) Who Are Not Known To Be Dead or Alive, Whether Said Unknown Parties May Claim An Interest As Spouses, Heirs, Devisees, Grantees, or Other Claimants ;Unknown Tenant # 1 ; Unknown Tenant # 2 ; Unknown Tenant # 3 ; and Unknown Tenant # 4, The Names Being Fictitious To Account For Parties In Possession, Appellee. District Court of Appeal of  Florida, XXXX District, dated XXXX XXXX, 2017. And am hereby filing this criminal complaint with the CFPB to be forwarded to the competent Attorney Generals and the FBI regarding the attached fraudulent Assignment of Deed of Trust and involvement of Caliber Home Loans and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, as alleged TRUSTEE, and the alleged XXXX TRUST, et al.
Consumer complaint received 2024-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least XXXX days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within XXXX days, as stipulated by the FCRA. Please provide all correspondence to the email address listed XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

Discover Bank is in violation of 15 U.S. Code 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

I was scammed by a person thru Venmo and immediately contacted Venmo to help me stop the transaction ( they refused to help and instructed me to continue to reach out to the scammer in hopes it was a misunderstanding ). Needless to say, the transaction proceeded however I contacted my bank and stopped it on my end. Venmo proceeded to lock my account ( which prevented me further communication ). Venmo is now reporting me to a debt collector l! I have copies of all email exchanges with Venmo proving I was doing my due diligence to correct this and now I need help form you getting this resolved! I have no desire to ever have a Venmo account again they are useless in helping the innocent!
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC (CA)

BMW salesman used disceptive tactics to get me to sign a contract on a new vehicle with a balloon payment at the end of the XXXX year term. This amount equal an additional XXXX XXXX  more of the purchase amount. This turned this vehicle from being a XXXX car loan to a XXXX car loan. 

We filed a complaint with bmw about this issue and received no response but, a letter from them requesting to pay that amount. 

I asked for this account to be validated by BMW and by XXXX. This process was never done. 

In fact, what this company did was shocking. Instead of responding to me, they came and pick up my vehicle that was paid off in its XXXX year term. 

BMW decision was to take my car that I paid XXXX off.
Consumer complaint received 2022-05-30
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. (CA)

Despite the multiple written letters and complaints I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus are must comply with the FCRA section 605b which states that the Credit Reporting Agencies must block and remove any Account and information that the consumer identified as a result of identity theft. The following personal information : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX : accounts : XXXX XXXX XXXX XXXX  XXXXX Balance {$5700.00} ; XXXX XXXX XXXX Balance {$260.00} ; and inquiries : XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX/XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; are not affiliated with me nor I receive anything as result of Identity Theft. I reported the Theft of my Identity to the FTC and have attached copies of the FTC 's Identity Theft report.
Consumer complaint received 2024-04-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NC)

My identity was stolen, i called and told the XXXX XXXX and I was told to contact the original creditor, someone had purchased internet through my name and information to a completely different address no where near me and the debt not paid went to my account which is wrong, that is not my debt I didnt purchase any cable provider/internet I want it removed off my credit report
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX and Transunion are reporting incorrectly ( 60 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Consumer complaint received 2017-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I have sent a prior dispute to this collection agency. They stated they have sent bills to me which I have never received also from an account I have no knowledge of. I also researched that this company is/was collecting with an expired license cancel date was XX/XX/XXXX-2014. So on top of sending me an original contract with my signature, I need to see if Commonwealth Financial is authorized to be collecting in the state of Texas.
Consumer complaint received 2021-12-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian 's own policy is for it as a CRA to conduct an invetsigation by evaluating the documents submitted with a consumer dispute and evaluate the validity of the information supplied by a data furnisher against the documentation supplied with the dispute. In CFPB complaint XXXX, I supplied experian with documents I submitted that were on XXXX  letterhead Those documents, to include the narratives provided by XXXX  in response to prior BFPB complaints clearly contradicts the data XXXX  is supplying to Experian regarding my accounts through the eOSCAR system. Experian 's response clearly states the extent to which they actually conducted an investigation was to " contact the data furnisher, '' and have the data furnisher " verify '' the accuracy of the records to Experian. Any cursory inspection of the documents I provided to Experian would clearly indicate WF 1 ) violated the MPN with respect to billing, 2 ) violated CFPBs interpretation of Regulation Z, and the FCRA. Now, Experian was made aware that XXXX XXXX has a track record of engaging in this behavior because I also provided with Experian documents surrounding 2016-CFPB-013, which clearly indicated XXXX was engaging in illegal billing practices AND REFUSING TO UPDATE ERRONEOUS information it supplied to the CRAs. Despite this, Experian 's own response to the CFPB regarding the investigation shows a willingness to " TRUST '' the data returned by the data furnisher via the eOSCAR system, in this case XXXX. The point is after around fifty ( 50 ) complaints that provided increasingly damning evidence of XXXX XXXX 's repeated billing irregularities, haphazard compliance with Regulation Z, FCRA, and 12 CFR 1026, it is clear that Experian knows, OR SHOULD BY NOW KNOW, the information supplied by XXXX for my student loan accounts is inaccurate based upon a cursory review of the documentation. Experian is now just as culpable as XXXX in damaging my credit worthiness because it is continuing to aggregate patently erroneous data, invalid and/or unverifiable information, and data supplied as a result of its non-compliance with the behaviors covered in 2016-CFPB-013. Experian is a custodian of records for my consumer behavior, repayment habits, and financing history. Experian 's continued inclusion of data supplied from a furnisher, that is contardicted by narratives from the data furnisher itself that has been supplied as a part of a consumer complaint, reflects flagrant disregard for consumer protection laws. That is, claiming to conudct an impartial " investigation, '' by simply transmitting documentation to a data furnisher, is a substitute for, and denial of, rights of Due Process afforded under 12 CFR 1026 and the FCRA.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which was highly suspect. As per the FCRA, I allowed this company 30 days to correct my report and send them a letter last XX/XX/XXXX. However, this company company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days had passed and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last XX/XX/XXXX, this credit reporting company would comply with the settlement. According to this link : XXXX XXXX XXXX. A copy of the settlement was published in this link publicly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent a letter to Equifax asking them to correct mistakes on my credit report. They were supposed to conduct investigations, and respond within thirty days. They have not done so.
Consumer complaint received 2016-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (OK)

I was renting an apartment for I pay on time, pay more than {$700.00} on deposit. I did all the steps they told me to do before I moved out. After I moved out they never contact me about anything, then after XXXX months a Collection agency is harassing me all the time that saying I own {$410.00} to the apartment. 

I asked for evidence about this debts. They said they will give the evidence, but they never did.They just contact me every other day. Then, they open a case in my credit report, but they refuse to provide evidence.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/2019 I tried to apply for a Chase Freedom Unlimited Card and my application was denied XX/XX/2019 I contacted Chase to see if I could reopen a closed card from XX/XX/XXXX and told me they can not reopen it at this time. 

Separately It also seems Chase has high interest rates and fees