davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
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 (NJ)

A couple of weeks ago I open a business credit card with Capital One. 
Days later, I had my accounts ( personal and the business credit card ) restricted without notice, apparently for fraud protection. 
I did receive a notice about a week later in the mail, but no email or notification. 
I dont understand how the bank sends a notice to the address they are trying to figure out is right ( which it is ), instead of contacting me through the app where I sign in with my fingerprint or phone. It just doesnt make sense. 

Capital one did the following : Failed in the deadline initially given to me to solve this issue ( 7 to 10 business days became 3 weeks ) Requested me to send a picture of my social security ( seriously no institution, bank, etc has requested me to send a picture of my social security number ) Failed several times to address my problem and unlock my accounts. I was not able to use my personal credit card for 3 weeks. 
Forcing me to stay 30 minutes in conference call between Capital One and a third party provider ( electrical company ) in order to confirm that I was an authorized user of my electrical account. Total call lasted 48 minutes, and there were several calls with Capital One before that one, which failed to help me. 
Failed to provide more options to me in order to address my problem. They requested proof of address, but didn't accept rent bill or letters from official government institutions ( like XXXX or XXXX ) directed to me showing my address. This is unfair as the situation of everyone is different. I do not have a lot of physical bills coming in. I do not have cable bill, water bill and bills like electrical and internet are hold into my husband 's name. 
Failing to offer more options to provide proof of address is almost discrimination. 

I'm filling this complaint because I honestly do not think that this was handled properly, and I want to help other consumers to avoid the same situation, or be provided more options that I was provided as well as a faster resolution.
Consumer complaint received 2024-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (MA)

The state of XXXX sent a check to freedom in XXXX for the full arrears I owe. .yet can't get anyone to call me back when I leave messages for supervisors etc as to where payment went because they're known to lie about everything and lose payments ..just look at the complaints on other sites.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Every time I buy crypto ( and pay a fee to do so ), I go to send it to someone and the transaction fails. Then, I have to go and sell ( pay ANOTHER fee ), and, on top of that, my money is held 5-7 days before it's even made available to me. 

I want to make something super straight here, I don't care what your XXXX & XXXX say, those have been legally struck down in the court of public opinion, and more importantly, in the court room time after time. 

You are advertising a service, and you are charging high fees, and you are not delivering. And you are holding people 's money, time after time. 

The CFPB needs to fully research these unfair, predatory and damaging practices of Venmo.
Consumer complaint received 2023-02-24
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. (MN)

On XX/XX/XXXX, XXXX charged what was my XXXX XXXX Credit Card {$5.00}. I didn't realize there had been a charge, didn't receive any correspondence from XXXX XXXX in form of a credit card statement, phone call or email stating I owed money. I happened to check my credit report and noticed I had a negative mark for being over 30 days late by {$5.00}. I called the credit card company, now owned by XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all at which time XXXX XXXX XXXX said they would submit a letter to the three credit bureaus stating that this was their fault and to remove the negative remark. The letters were submitted, nothing was done by the credit bureaus accept them saying the {$5.00} was owed but had been since paid. I opened up disputes with the credit bureaus, but nothing has been done. Each time the credit bureaus say there is nothing they can do. This has dropped by credit score significantly and will remain on my credit report and husband 's credit report for seven years. We have/ had credit scores at XXXX. Now my report is down to XXXX.
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (GA)

Reported By : RECEIVABLES PERFORMANCE Account Balance : {$1300.00} * Open Date : XX/XX/2020 They are putting a derogatory mark on my credit report when it is known that this was agreed by XXXX to be closed. The contract was ended and I sent all the equipment back. Now they are harassing me and saying that I owe this debt. My contact was ended. My balance was {$0.00} after they assured me that since the service didn't work in my area they would waive the cancellation fee of the contract. They are making false claims and hurting my credit report.
Consumer complaint received 2020-09-30
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

I have a loan with TOYOTA MTR. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MTR with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (WI)

I have XXXX different Citi Bank credit cards. All in which I have had for several years and been granted fairly high limits. I have NEVER missed a payment, always making all payments on time via their online portal. For the first time, and with only XXXX of the cards, I missed a payment. As a result, I was assessed a {$25.00} late fee. I emailed requesting a courtesy reversal of the fee considering my history with the card company. They declined. So I called to make the same request in which they denied again. I spoke to a supervisor who said since the bank did n't make an error, the fee was assessed. I explained that I understood why the fee was assessed and that I was asking for a ONE TIME COURTESY to be made considering my payment history, etc. She told me to wait to see if the system would take the adjustment only to come back a few moments later saying the system would n't allow her to credit the {$25.00}. I asked her what was CitiBank 's policy on customer satisfaction in which she stated her inability to reverse the fee is a new policy. 
In other words, no matter how many cards or how long I 've paid faithfully on those cards, not to mention the countless amount assess in interest, CitiBank values their {$25.00} fee more than the ongoing relationship with a " valued customer ''. Do n't ever forget to make your payment, not even by a few days, because Citibank will charge you. I wonder if they 're so quick to act when they make mistakes.
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (HI)

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Names : XXXX # XXXX, XXXX # XXXX, XXXX  XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I Have The Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-30
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: BARCLAYS BANK DELAWARE (FL)

I have a loan with XXXX XXXX, XXXX XXXX, and BRCLYSBANKDE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and BRCLYSBANKDE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a loan with CAPITAL ONE, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE, XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NM)

My car was stolen on XX/XX/year>, they made all the reports, police and insurance. 

The financier Westlake Financial found the car on XX/XX/XXXX and did not notify me of anything, it was not until XX/XX/XXXX that I called to make my monthly payment that I found out that it was found because I realized that there was an extra amount that I had to pay and I did not understand the reason, the bank did not want to give me information, that I should call the police, I went to the address that the policeman gave me and when it arrived, the car was not there and had never arrived. 

In XXXX I found out from the insurer " XXXX XXXX '' that the car was in XXXX I was going to be sold at an auction, but the insured stopped it because the car can still be repaired, but it turns out that I have to pay {$3000.00} dollars to take the car from XXXX to XXXX because my insurance company only covers me {$300.00} In short, Westlake Financial moved my car to sell it at an auction, without my authorization and with my up-to-date payments. The monthly payments I gave did not go to my balance but were to cover the mobilization expenses to XXXX The insured was not responsible for anything for my car.
Consumer complaint received 2022-11-09
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. (NC)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-06
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)

Yes I dispute a account with Experian on the XXXX of XXXX because this account is fraud and its not mines. So I got result today saying this account is mines from the creditors I dont think Experian investigate the account properly they just going by what the creditors say. So today I look on my credit report there is a address that not mines that is showing XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ca. i never stay anywhere in California I stay in XXXX Al all my life so I went to my Experian credit report try to see how the address got on my credit report and I found out this fraudulent address is Connected to the Two XXXX accounts that showing on my credit report that I recently dispute so I call experian I spoke to somebody and fraud and the lady that I talk to her name is XXXX and I explain to her about the fraudulent address and the account thats on my credit report and she stated to me that I need to send them a copy of a FTC report and a copy of my id and mention in the FTC report about the address and those two XXXX XXXX XXXX account so today I created my documentation I also to that Experian agent that I will send a copy of my FTC report and a Copy if my lease and utility bill to prove that account is not mines including the address please remove this account from my credit report because I fill like thats a law suit yall did not investigate them two accounts that I dispute as fraud correctly because for one I just dispute it 4 days ago and them results came back quick saying this account is mines I just got my result today XX/XX/2023 aint no way they came back that quick. Than yall listed a California address thats not mines please removed these account or I will have to get my lawyer involved
Consumer complaint received 2023-01-06
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. (PA)

I have contacted XXXX, Experian, and XXXX 6 or 7 times in the past few months challenging the 100 % accurate reporting as required by law of this account and each time they say its verified as accurate... i do not believe they are conducting a proper investigation,,,,,,, first off i dont even know where this account came from... .secondly it is duplicated on my report it is literally reporting twice... i have included a copy of proof... ..this is definitely a violation of my consumer rights
Consumer complaint received 2020-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$11000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-30
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$11000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am w riting to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX LEASING with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NY)

There is an outstanding debt of XXXX owed to Midland Funding LLC. I have made payments towards this debt up until the point I filed for divorce ( late XXXX ) and it became impossible to do so because this debt became a debt that was part of my divorce litigation. I have reached out to Midland to explain my situation and asked for a settlement/hold pending divorce and Judge 's ruling on responsible party for debt. My divorce proceeding was scheduled for XX/XX/XXXX but Covid has interrupted further proceeding. As of today, we are still waiting on a final date once the Court reopens. 

Midland has refused to consider my situation and forwarded this debt to a debt collecting law firm without notifying me or giving me an option to settle this debt pending divorce settlement. Subsequently, I received a letter from the debt collecting law firm ( XXXX, XXXX ). I have reached out to said debt collecting law firm on numerous occasion ( 4 times ) at which point no one have picked up the phone call. Approximately one month ago, I was served with a the attached summons at which point I promptly reached out to XXXX regarding my situation and explain that I can not answer this summons in Court since the Court is currently close except for essential services ( which this does not qualify for ). I explained my current financial situation in this pandemic and my pending divorce and this debt being an issue. I am unsure how to proceed with a summons that I can not answer given the fact that the Court is  currently close and this can put my credit in jeopardy.
Consumer complaint received 2022-11-08
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the following items : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-05-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (CA)

We have our loan through Pacific Union Financial :  Bought the house XXXX of XXXX. Property taxes on our escrow was not being allocated properly even though we paid the full mortgage amount. XXXX XXXX County tax collection sent us a notice of property taxes owed in XXXX of XXXX. Pacific Union agreed to refinance our loan so that they can take the  money from escrow and pay the owed property tax. We refinanced and thought the matter was settled. Now we got a notice that we are {$4000.00} short on our property taxes assessed. So our estimated payment went from {$3100.00} to {$3800.00} a month. More than our payments before refinancing. We found out from XXXX XXXX tax office that the property taxes redemption was never paid. So when we refinanced they never paid it and now we owe {$7000.00} because of penalties. This has been going on for the entire time we owned our home. We have always paid the payments on time and done our due diligence to resolve this matter. This is putting is in a finacial hardship and affecting our marriage because of the stress this has caused us year after year. Please help us resolve this matter. Thank you, XXXX XXXX