davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (DE)

" Google '' withdrew on XX/XX/2020, {$150.00}, and again on XX/XX/2020 another {$120.00}, and {$180.00}, on the same day totaling {$450.00} in the three different withdraws. No purchase was made, or authorized. Google was contacted online, and a claim was submitted. Claim ID # XXXX was said to be investigated, but their only response was that the claim could not be verified, and to check with family members to see if they had made the purchase. No one else in my household, so I would have been the one to do the purchase. I asked " online '', what it was that I purchased, but there has been no response to my request. Nowhere has been an explanation of my purchase, or what it was for. On the Google website, I was able to view my past purchases, and was shown that I have no prior purchases.
Consumer complaint received 2022-08-27
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: ENCORE CAPITAL GROUP INC. (VA)

In accordance with the fair credit Reporting act XXXXt Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section @ : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have two ( 2 ) credit card accounts with CapitalOne.com, suddenly the last several months I noticed a closed account I once had with XXXX XXXX began to show up as a payment option on both accounts. The account with XXXX XXXX was closed in 2006. I became livid and wanted to know how CapitalOne got this account number, and who gave them permission to use a closed account as a payment option? I wrote to them and they asked me to call them because they didn't understand what I wrote. I became angry again, but I called. I explained why I was angry and was told my accounts were investigated and no such number or numbers for XXXX XXXX appeared and no such information was ever shown as a payment option on either account. I knew it was a lie and told the CS rep what I thought. I hung up and waited a month and this time rather than call I printed the information directly from the accounts with hopes you could help me get to the bottom of this deceitful act.
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credible Labs Inc. (CA)

On XX/XX/2019 I filled out an online application to refinance my home. The company is Credible. Minutes after completing my application I received a text to my cell phone. The text said, " 'thank you for submitting a application ', 'please set up appointment with a Loan Officer ' and " if you would like to lock your rate prior to your call-text " Rate ''. I responded with the text " Rate '' to lock my rate prior to a phone call with Loan Officer and this is my complaint.

After I responded Rate, I log onto and set up a account on the Credible website. I uploaded all the requested documents ; W-2, check stubs, 1040 forms, bank statements, etc. I completed all they requested. During this time, Credible forwarded to me their documents for my signature, listing the rate at 3.25 % ( the agreed rate ), along with amount financed, new payment amount, etc. I signed all their documents and returned on website. Meanwhile, the Loan Officer scheduled an appointment, but was missed by loan officer. I then scheduled a second appointment where we both attended on phone. At this meeting the Loan Officer informed me that my Rate was not yet locked and the current rates were higher and the costs were more money. I said, " no, the rate is 3.25 % and I responded to the text I received asking for my response indicating " Rate. '' I also took a snap shot of their text to me and my response. Still, he said no. I asked for his manager and explained story. She said sorry, we can not honor that rate. However, she asked her boss and his response was also NO. I further explained that this was " your company text to me asking to lock rate with a response prior to speaking with any loan officer! '' This is unfair business and manipulating the rate in order to collect more money for processing.

The loan officer name is XXXX XXXX and his license # XXXX. His email is : XXXX XXXX XXXX. 
His bosses name is : XXXX XXXX and she has no license. I do not get the name of her boss. 

Thank you, XXXX XXXX XXXX email : XXXX XXXX
Consumer complaint received 2019-07-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (CA)

I paid the original amount off with debtor XXXX XXXX. I also turn in the equipment. I find out the person in the apartment next door. Was using my info I report him. It was a fraudulent account. XXXX says my account is zero paid off and delete. But The collector is abusing me saying I owed {$200.00}. Calling me and writing me.
Consumer complaint received 2022-04-28
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. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2019-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

An unauthorized transaction has been made on my PayPal account through my money paycard it just happened on the XX/XX/XXXX and it shows about XXXX $ and change were paid to a woman named XXXX XXXX, I do not know her and I do not use PayPal for anything. I have screenshots of the transaction and I really need my money back.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I WAS CHARGED FOR SEVERAL CHARGES ON MY CHASE XXXX CARD AND I REPORTED THIS TO CHASE XXXX BACK WHEN IT HAPPEN AND THEY DID NOTHING TO HELP ME.. I WILL LIST THE CHARGES ; XX/XX/XXXX TIMESHARE XXXX XXXX-XXXX OLD CARD ENDING XXXXXX/XX/XXXX TIMESHARE XXXX XXXX OLD CARD ENDING XXXX XX/XX/XXXX TIMESHARE XXXX-XXXX OLD CARD ENDING XXXX PLEASE HELP ME GET MY MONEY BACK. I AM A SENIOR CITIZEN AND LIVE ON A FIXED INCOME.. THIS IS SENIOR CITIZEN ABUSE, AND ITS SAD THAT THEY DONT BACK THERE CLIENTS..
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Re : Unauthorized Credit Inquiry Dear Sir / Madam I  recently obtained a copy of my credit report from Equifax. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX  ) XXXX XXXX  XXXX XXXX XXXX  Personal Loans Cos. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX XXXX  Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-27
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. (PA)

Transunion sent me a dispute investigation results letter dated XX/XX/XXXX for XXXX Account # XXXX. The investigations results letter described by Transunion as " accurate '' reports, by them, XXXX chargeoffs for the same account with no known payment history to justify these chargeoffs. In fact, the prior payment history that Transunion describes as " accurate '' is, by their definition, " unknown ''. 

This is completely inaccurate and needs to be fixed. 

Their investigation results letter ( attached ) stated that the investigation results were " verified as accurate and updated '' even though the date updated on the report they sent is XX/XX/XXXX. Furthermore, the information on the report was not updated, corrected or deleted as required by law. 

Therefore, Transunion did not conduct an investigation into my dispute for inaccuracy as required by law. They not verify the accuracy of the information regarding this account or they would not generate a results letter containing unknown information as accurate and updated! 

Like most of my factual disputes for inaccuracy, Transunion has opted to stamp my claims as " verified as accurate and updated '' without conducting an independent investigation.
Consumer complaint received 2019-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (TX)

I was contacted over 12 times by this company repeatedly and I asked them to cease and desist communication, they contacted me from different phone numbers and left threatening voice messages that they would send information to the Credit Bureau that would effect my credit if I didn't pay or contact them at a certain time.
Consumer complaint received 2019-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (GA)

I am being harassed for {$740.00} that was paid to the original creditor but this company keep harassing me. They are using different names same address but different suit numbers.MIDLAND CREDIT MANAGEMENT, INC AND MIDLAND FUNDING LLC SAME COMPANY OF CROOKS.
Consumer complaint received 2019-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Opened my checking account at Huntington bank with a {$200.00} incentive bonus on XX/XX/19. Requirements are deposit XXXX within 30 days set up direct deposit and keep the account open for 90 days. All the above requirements have been met. Called on XX/XX/19 and the representative told me the money will be deposited in a day. Still no {$200.00}
Consumer complaint received 2019-07-14
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: CITIBANK, N.A. (MN)

On XX/XX/XXXX, I purchased a vacation package with XXXX XXXX. The package was for airline and hotel in California. We arranged for our own entertainment. We purchased tickets for XXXX XXXX, rent a car for the 5 days, purchased tickets to the California XXXX XXXX, XXXX XXXX, etc.. total {$2500.00} spent. In addition to the over {$3200.00}, we paid for the package. 
When we arrived to the airport, XXXX told us that they were operating on a reduced schedule due to a personel issue ( mechanic was on strike ). They say the next option was to fly on Monday evening. This was Saturday XXXX XXXX We told them that it was unacceptable and we couldn't afford to miss our trip ( the kids were.looking forward to this trip for long time. They are XXXX, XXXX and XXXX ). We asked if they could put us on another airline. They said they don't work with other airlines. We asked for them to refund us our money so that we can go fine another airline. They say the refund will be processed within 45 days. We went ahead and ourchased ticket on XXXX and travelled the same day ( a little after XXXX XXXX  ). 
When we came back I disputed part of the charges related to the airfaires adn asked for a refund trying to avoid double charges on my bill ( we try to pay off the balance every month to avoid the high interests ). When I submitted the claim for {$2100.00} ( exact amount we paid for the tickets with XXXX, they denied it and refunded XXXX {$1200.00} ). Since then I have been trying to have City Bank handle this complain but they refused. 
Please help.
Consumer complaint received 2019-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (LA)

In XX/XX/2019 State Collection Service placed a debt on all three credit bureaus. I recently sent State Collection Service a letter asking for validation of the alleged debt amounting to {$340.00}. State Collection Service did not provide any documents or evidence to validate the account, they did not even respond to my letter that I sent them. This company kept this account on my XXXX, XXXX, and XXXX credit reports despite providing any validation of this debt. Again, State Collection Service did not provide any documents or evidence to validate the account and ignored my request for them. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX, XXXX, and XXXX credit reports or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. I have attached the letter that I sent to State Collection Service back in XX/XX/XXXX but again never received a response from them. Your immediate response will be greatly appreciated.
Consumer complaint received 2019-01-04
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. (NV)

Transunion is reporting a company by the name of XXXX XXXX, if do not recognize this information as a creditor and nothing can be found with that exact spelling. Please help. Thank you
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (GA)

Contract Callers INC usually calls me 6 to 12 times per day about a phone bill that does not belongs to me. I have told them several times it is not my debt and to stop calling me but they refuse to stop. So now they send me a letter with the amount of {$1900.00} stating that if such balance is not paid they will garnish my wages and sue me.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

This issue is with my credit card with Best Buy store card. In the month of XX/XX/2019 my credit card statement showed online unauthorized charges, so I immediately contacted Best Buy customer services and was transferred to the fraud department and reported the unauthorized charges totaling {$5600.00} with a previous balance of {$0.00}. I was told an investigation would take place. In XXXX I received a letter stating that the investigation was completed and that there was no evidence of fraud and I would be responsible for the purchases. I then contacted Best Buy Fraud department and questioned what the reason was for that showed that I was responsible. I was told that the notes were not specified clearly, so they gave me the option of having a second request for an investigation. In XXXX I received the conclusion of the second investigation. The letter and stated that they had completed their investigation and still find myself responsible. The letter did not have an explanation all they provided was the orders that showed an email that was used that was not mine and also a phone number that is not mine with the order delivered to a store in the city of XXXX XXXX, Ca. 
I notified Best Buy again and I was told by the Fraud department that I was responsible because of the purchases were delivered to my home. That is a huge contradictory when their paperwork shows a screenshot of the order was delivered to a store. I asked Best Buy to pull their video cameras and I was told they could not do that. In my opinion that would be an option to prove that I did not place these purchases nor picked them up. What is the purpose of video cameras if they refuse to use them to protect them and the consumers. After getting no resolution from Best Buy and notified XXXX, Ca Sheriffs Department and made a police report. When the officer that took my report contacted Best Buy himself they told him they refuse to deal with the Police Department because they are not authorized on the account. I find that completely wrong! I feel my rights as a consumer have been violated by Best Buy Franchise and I have written numerous letters to the Corporate office and have had nothing back from them. I have to continuously pay this bill that I AM NOT RESPONSIBLE FOR so my credit isn't compromised. I am asking for help from the CFPB to exercise my rights as a consumer for fraud charges that Best Buy will not remove from my account. I should not be responsible for charges that I did not authorize nor received. 
The police report number for this dispute is XXXX from XXXX, Ca Sherriffs Department.
Consumer complaint received 2019-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (VA)

I have been banking with Sun Trust for 30 years and was scammed XXXX thru XXXX   and investment property. They set up websites and local law enforcement have tracked them to overseas and the states thru checking accounts with XXXX and XXXX XXXX. Both XXXX and XXXX XXXX have blocked all attempts to retrieve my money. XXXX XXXX will not answer the phone and could careless while XXXX says I have no recourse. I have accounts in all 3 companies, so basically they would rather harbor criminals that have violated the Patriot Act than help their own customers. I do not want the names of these people although they should go to prison but want these companies to investigate because someone came into their banks and opened checking accounts and committed fraud. I submitted paperwork to FBI but that was a joke. Secret Service says the case has to be XXXX before they can investigate. Local law enforcement does not have the time or expertise to track the case so we go to court soon. All I asked was for my company Sun Trust to perform a recall request on my behalf to no avail. It has been a year and they lied to me verbally and in writing thru the executive team saying they had performed the recall so the other banks would investigate. I tried to settle with the banks professionally but they would rather harbor criminals. I am in the process of going to court with all 3 companies so they can explain why they did nothing. My family, job and marriage was threathened if I went to the police they even said they would say the XXXX was for XXXX XXXX and to XXXX my wife. It is in the 383 pages of documents I submitted to the police. I am in the process of writing a book on the incident and using XXXX XXXX foreclosures to pay for ghost writer, court costs and private investigator. If this happened to your family what would you do?
Consumer complaint received 2021-02-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (KY)

On XX/XX/XXXX I filled in a form online with Amerisave Mortagage in XXXX KY to refinance an existing home mortgage. A Loan Originator by name of XXXX XXXX immediately called me via phone and said he could get me a conventional mortgage at 2.3 % fixed for 30 years ( refinance ) He had me Esign the loan papers on line ( I thought he was honest ). Then the next day he peppered me with emails, phone messages wanting my bank statements, social security award letters, present mortgage statments, etc, which I uploaded and sent. He claimed he never got them and that the ones he did get were not what he requested ( this is a lie ) He claimed my homeowner 's insurance company did not sent a loss payee clause ( which they did, twice ) He said the loan was " approve '' and " all set ''.

I was a little leery about this, he had my credit card info, I checked with my Bank and he had attempted to charge my credit card {$520.00} for a non specific charge. I called him and cancelled the loan. I just read where they were fined in XXXX for the " bait and switch '' scam. i don't think they should be in business