davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I received copies of my credit report from XXXX, XXXX, Equifax and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, XXXX, and Equifax claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. medical collection without my HIPPA so please look into this.with these companies it is not right for them to report information that does not belong to you for the purpose of making money.
Consumer complaint received 2017-05-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (PA)

On  XXXX   XXXX  we contact ed Discovery Student Loans to n egotiate a longer repayment term in order to reduce the monthly payment amount - While polite they would not extend the term to 30 years which would probably allow me to make the loan payments without going into default.
Consumer complaint received 2020-12-22
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)

Account is reporting a late payment from XX/XX/2019 incorrectly. Credit card company XXXX XXXX XX/XX/XXXXXXXX said they would fix the issue and I sent the letter to the bureau and it still hasnt been removed.
Consumer complaint received 2019-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: POPULAR BANK (FL)

I used Popular Bank XXXX XXXX which is an app to send funds to people directly on XXXX for {XXXX}. I sent the same person for the same amount 2 months prior with no problem. The second time I sent money to the same person in the same manner it went to a person I have no idea who it is. A few days went by and once I realized the person I intended to send the money to did not receive it I called the bank on XX/XX/10. That is when i realized the info of the recipient 's phone number was one digit off. This was really strange because I used the contact in the app to send money before. I didn't input the number manually the second time. They informed me they couldn't do anything that day and to call back the next day. I asked if they could request the transfer back and they said I would have to wait for someone to get back to me. I informed them I believe this was a timely and to see if they could do something! They informed me the fraud department would call me with in 24 to 48 hours. In the mean while the money cleared through a XXXX account. After the second day I called again and they had no addition info. I asked if they could request the transfer back and they said I would have to wait for someone to get back to me. Two days passed with no call back back from anyone. In this time the fraud department contacted the person I attempted to send the money to so they could confirm the transaction and they told him to call XXXX and ask for the money back. I kid you not! They advised him to deal with XXXX directly. It took several days and many phone calls before I could even get an answer on what the possible outcomes could be. Eventually they told me sorry user error. I was appalled on how the situation was handled from the begging. I found the lack of contact and willingness to attempt to help there customer suspicious. No one could give me any information at all. I asked how this happened, where I went wrong, why wasn't i notified, I sent this person money before what happened and other questions with no attempt to answer them.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I received copies of my credit report from Experian, XXXX, XXXX and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. Experian, XXXX, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. medical collection without my HIPPA so please look into this.with these companies it is not right for them to report information that does not belong to you for the purpose of making money.
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX, I sent {$4000.00} ( Transaction ID XXXX ) through PayPal to a friend, XXXX XXXX. The instant transfer is a loan from PayPal until they can access my bank account. My transaction was completed but XXXX XXXX ' transaction ( from PayPal to his account at XXXX XXXX ) was not. He did not receive the {$4000.00}. PayPal would only tell me that my transaction went through and I was liable for repaying the {$4000.00} which was taken from my XXXX checking account on XX/XX/XXXX. I'd like to know what happened during the original transaction and be repaid my {$4000.00}. On XX/XX/XXXX, I send XXXX XXXX {$4000.00} by transferring the funds directly to PayPal then to him. So he has the {$4000.00}. I'm out {$4000.00} from the original transaction. Please help me before the 6 month deadline runs out on my efforts.,
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

I disputed a series of charges against my account totaling {$31.00}. 

Upon review of my last two statements, I see that I have been charged a late payment fee of {$27.00} on XX/XX/22 plus a {$2.00} interest fee on XX/XX/22. This was AFTER my payment in full of {$27.00} was paid and processed on XX/XX/22, as clearly shown on the statement I was sent and verified by the account summary on your website. Also, despite this balance being paid in full by me on XX/XX/22, which was an error on my part and I should have investigated instead of allowing it to be paid by my bank automatically, I was AGAIN charged a {$2.00} interest charge on XX/XX/22 with no outstanding balance on the account. 

I sent a letter in writing to the company on XX/XX/22 and received no response, my account shows no change, and I am unable to get through via phone.
Consumer complaint received 2019-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America, XXXX XXXX and XXXX If other, please specify : XXXX Transaction Amount : {$2500.00} Transaction Date : XX/XX/XXXX Was the money sent? Yes Victim Bank Name : bank of America If other, please specify : XXXX Transaction Amount : {$2500.00} Transaction Date : XX/XX/XXXX Was the money sent? Yes Victim Bank Name : Bank of America Recipient Bank Name : XXXX XXXX If other, please specify : XXXX Transaction Amount : {$1000.00} Transaction Date : XX/XX/XXXX Was the money sent? Yes. 
This man promised me he would build me a " funnel '' to launch my online course in a week and wrote a contract up for an immediate to begin 90 days course launch, after I pay him {$6000.00} - ONLY acceptable through XXXX. I sent him two {$2500.00} transactions and one {$1000.00} to make the total {$6000.00}. 4 weeks passed by and the work hasn't been done and barely if at all started. so I found out from a group forum that he has scammed a bunch of people out of thousands and possibly 100s of thousands of dollars collectively. I googled and saw scam reports and I realized I have been scammed. He then started threatening me to sue me for the forum post and the feed and I don't know if I feel safe anymore. 

Its been abusive emotionally, financially, and mentally, he tried gaslighting me and my family has suffered while I suffer. This is a BAD BAD guy out here hurting a lot of innocent people with his internet scam. I have to care for my mother and sons and life and I couldnt. I had such bad anxiety, my sister came up to help with my mom and I couldnt barely function. I told him this was effecting me and my family. Also, it turns out people who did work with him previously said he is a sociopath who does scam people and not perform or return their money and they left because they didnt want to be associate with him because they witnessed how he was scamming people and they said they would be a witness and sign a statement. 

NOW the bank XXXX XXXX should just give me back my money and XXXX needs to return the transfer, this is XXXX. I want my money back from this XXXX XXXX. 

XXXX needs to learn when to BLACKLIST users from receiving funds through them and not allow him to scam people through there payment gateway I have reported it to my bank to files a XXXX dispute through bank of america to his account at XXXX XXXX - but they couldnt help they said they coudnt get my money back. They said this is where we file things like this, but I am also pursuing a small claims case, I dont know what else to do. 

Then on Monday XX/XX/XXXX I filed the dispute with the bank of america XXXX departmen and have not seen anything in return I have not got my money back. I want it back. They also are not protecting me as their customer if they dont refund my money for this scam. I was scammed.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I am a bank account holder at Capital One for over 20 years. They made me an offer today, as if it were enticing, to transfer balances to them at an interest rate of more than 19 %. In any interest rate environment, that is criminal. Other credit card representatives are doing similar now. How is this not criminal??
Consumer complaint received 2021-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX, XXXX, XXXX of 2021, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX-Account number XXXX for {$210.00} -- XXXX XXXX-Account number XXXX for {$130.00}. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2015-03-27
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I paid off the entire balance of my Capital One Visa Credit Card. Capital One continued to charge me fees on a {$0.00} balance account. When I realized this, I tried to cancel the account. Capital One does not have any easily identifiable way to cancel their accounts listed on their website. It took longer to shut down my credit card account than it did to open it.
Consumer complaint received 2018-04-29
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. (PA)

Experian Report # XXXX Date XX/XX/XXXX Experian has on my credit report as stated back on Previous report that I had auto loans on my credit file from XX/XX/XXXX that I did not sign for or consent to run my credit. 
Experian has yet to provide any documentation of such or any proof of such. 
Experian has not shown nor prove that the credit was applied by me with any consent to run or apply credit under my name. 
I need proof of such auto companies and finance companies that Experian has fraud running in my name with no documentation or proof to back up keeping information pertaining to personal information. 
Experian seems to commit fraud as to and how this information was place on my credit file. 
I disputed the Inquires by Experian as my right and Experian has not provided any proof, documentation, nor any contract as facts or proof as it appears on my credit file. 
I also sent in the companies that are not any I applied for or obtain credit in my name very detail and Experian acts as I did not provide the information to them. Nothing but fraud on Experian Part to the issues.
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-04-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (DE)

From XX/XX/2022 - XX/XX/2022 Credit Acceptance Corporation has called my cell phone XXXX times ( day and night ) about a car payment that is being paid. I have talked with representatives about this situation. So I'm filing a Consumer complaint against this company for Harrassment.
Consumer complaint received 2022-04-28
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. (TX)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 
XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 


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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (TX)

After reviewing my credit report, I noticed The Bureaus, INC was reporting on 3 alleged debts on my 3 credit profiles. I contacted this company with a Debt Validation on XX/XX/2021 via certified mail. They were in receipt of these letters on XX/XX/2021 at XXXX XXXX. The Bureaus responded with based on the records of their clients, they were able to provide me with information. How did you verify these alleged debts? Who did you interview? What department and personnel did you speak with with? This is not providing any proof that these are my alleged debts. Pursuant 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. And may I remind you that none of this information can be factual. I may also add that this company is in violation of my federally protected rights too in response to me. 15 USC B ( 5 ) which states that not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This was violated 3 times. I later respond with second letters on XXXX via certified mail requesting an original signed contract showing I have business with The Bureaus, INC which they received on XX/XX/2021 at XXXX XXXX. They responded to only 1 request and never responded to the 2 other letters. Again My rights were violated through 15 USC B ( 5 ). I have no business with this company. I have never consented to contract with The Bureaus INC, nor gave them permission to breach my privacy. I am aware that I am a Natural Consumer and original creditor. This company has violated my rights in tune can carry up to {$1000.00} per violation. These alleged debts must be deleted from all 3 credit profiles.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

For about six months now my account has been hacked charges has been made to my account without my approval, so Fifth Third have to reimburse me with the disputes just earlier this month on my birthday someone hacked into my account again and they charged my card while I was sleep so They ordered me a new card again this time they ordered me a card and it got hacked again. They told me they were ordering me another card got another card. They had the account closed, opened up a new account and they have not sent me my debit card again for the new account and I have bills that have to be paid. They have access to my money I do not have access to my money or to pay my bills and so I waited today again for the new debit card and it did not show and I have bills do and Im just done Im tired of keep having to run back-and-forth to this bank. This been going on all month for the month of XXXX. I have not had access to my account and I need someone to do better.