davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
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: CITIBANK, N.A. (MA)

Long story short : on XX/XX/2021 an unknown person with the email address XXXX used my credit card number for a transaction on XXXX XXXX  for {$100.00}. I informed Citi credit card. It took over four phone cals to cancel my card and get them to file a fraud report. They investigated with XXXX and XXXX claims that I authorized this unknown person to use my card. They also claimed that I own a business, which I emphatically do not. I looked up the website and it originated in XXXX. There is no contact information on the website -- it appears to not be a operating business. The credit card company only showed that someone used my stolen number. They did nothing track down the person who did this and did not in any way show that it was me. I have no previous purchases on my card that suggest that I own a business or make business purchases. The charge is a complete aberration in my account. Usually this is caught by the CC company before the charge even goes through. Without any paperwork or evidence the CC says I authorized an unknown person to make a business purchase on my personal card. I spent hours on the phone trying to get the report filed properly and get my credit card cancelled. Thought they assured me each time that it was taken care of, it wasn't until I talked to a fourth rep. I am also making a report to the police as I am concerned that XXXX is claiming that I own a business. Though I have has this credit card for years, I will be resubmitting the rejection of my fraud complaint and cancelling my card. I have no faith that Citi has adequate security. The let my numerous phone calls fall through the cracks.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Date : XX/XX/2022 Amount : {$28.00} I tried to email PayPal and go to the message center but they just saying that i will wait for 180 days its too long and i watched XXXX review from bloggers that they also experienced that problem holding money by PayPal and then they wait but before 180 days payment got their money saying that its for the fee for the damage caused. i really need the money for emergency purpose thank you.
Consumer complaint received 2023-07-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Back in XXXX had a mortgage with WF with a VA home loan . Divorced, so refinanced and missed one payment. When a I called to make the payment within the same month they told me I owed x1 payment + half. Couldn't make the payment and the foreclosure process began. Never tried to modify payments nor anything to stop a foreclosure. Ended up making a short sell.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

- I HAVE ACCOUNT WITH CAPITAL ONE CREDIT CARD, ON XX/XX/2022 I PAID BY PHONE {$160.00} ( TRANSACTION XXXX ). 
- ON XX/XX/XXXX I PAID {$77.00} and my balance to pay was XXXX. 
- ON XX/XX/XXXX, PER A REFUND OF ITEM I RECEIVED {$190.00} AND WAS IN THE CREDIT CARD AS CREDIT. 
- ON XX/XX/XXXX CAPITAL ONE CREDIT CARD COMPANY CHARGED ME {$160.00} POR A TRANSACTION THAT I NEVER DID ( MY LAST ONLINE ORDER TRANSACTION WAS IN XX/XX/2022 ), ALSO I DIDN'T RECEIVE ANY ITEM - *****IN XX/XX/XXXX AT XXXX ; XXXX, I CONTACTED CAPITAL ONE AT PHONE ( XXXX ) XXXX XXXX, THE REPRESENTATIVE INFORMED THAT CAPITAL ONE IS NOT GOING TO REFUND ME {$160.00} THAT THEY TOOK FROM MY ACCOUNT. 
- *****ACCORDING WITH RECORDS : CAPITAL ONE ON XX/XX/2022, RECEIVED TWO PAYMENTS FOR {$160.00} AND {$160.00}. IN XX/XX/XXXX I JUST PAID {$160.00}. MEANS THAY NEEDS TO REFUND THE MONEY TO THE TD BANK, INSTEAD OF TAKE MONEY FROM MY ACCOUNT ( I CONTACTED ON XX/XX/XXXX, XXXX XXXX PHONE XXXX XXXX XXXX AND THEY STATE " WE MAKE A CAPITAL ONE DISPUTE ON XX/XX/XXXX, FOR {$160.00} THAT THEY CHARGE ME EXTRA ''.
Consumer complaint received 2021-04-18
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. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a Capital One credit card. I started making payments via a different checking account. Since doing so, they ALWAYS place a 7-day hold on my payments and will not modify my available credit for 7-days. They say its for my protection but I think its descriminatory. I have been making larger than normal payments and according to a XXXX search that gives them pause. In my case it has happened three months in a row. There have been no returned payments and there is over {$30000.00} in available funds from the account I'm paying from. Capital One keeps telling me they " randomly '' do this, but they are lying. They have been consistently doing this.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report, which has highlighted several inaccuracies that I believe need to be addressed. After reviewing my report, I have found the following negative items which I believe are inaccurate and damaging to my credit score. 

Firstly, the bankruptcy listed under case number XXXX is an error. I am unsure of how you were able to verify this information when other bureaus have not, and have removed it from my credit report. I urge you to remove this inaccurate information immediately to prevent further damage to my credit score. 

Secondly, the XXXX inquiry listed on XX/XX/XXXX has reached the statute of limitation. I request that this inquiry be removed from my report as it is no longer relevant. 

Thirdly, the XXXX account listed under account number XXXX may have incorrect information. I request that you verify the payment status, balance, comments, payment history, and account number to ensure accuracy. If there are any errors, I request that you fix or delete this account from my report completely. 

Lastly, the XXXX XXXX account listed under account number XXXX is not associated with me. I have never had any business relationship with this company, and therefore this account can not belong to me. I request that this unknown account be deleted from my credit report right away. 

I understand that the accuracy of credit reports is essential, and I would appreciate your prompt attention to these matters. Thank you for your time and cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

This account was paid in full in the beginning of XXXX and then close in the beginning of XXXX and they will not update my credit report. It still shows that it's open and the balance is still there. I have called them multiple times to ask for them to update and they haven't. I have also filed a complaint with the credit bureaus with nothing becoming of it.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account.I am using my PayPal account for my online business as selling e-book customer pay me using my PayPal account since 2020.My PayPal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes.And I am hoping that I will get back my account and able to withdraw my funds.Thank you and Godbless.
Consumer complaint received 2019-03-09
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX   XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$7400.00} Company : XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$4200.00}
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I have reached out the American Express several times attempting to remedy this situation. All times they have failed to comply. 
I applied for XXXX credit cards with American Express in XXXX of XXXX. After crediting them twice, I received nothing. 

Credit pursuant 15 USC 1602- the term credit means the RIGHT granted to a creditor by a debtor to incur debt or to incur debt and defer its payments. 

By American Express denying me of credit cards twice -blaming it on credit bureaus- they are acting as if they are XXXX. Only XXXX can take away my birth rights. I am the original creditor! I credited American Express to EXTEND credit to me. 

If you have an extension cord and plug in something, does the power come from the extension cord or the source the extension cord is plugged into? The answer is the latter. 

I have sent a letter to American Express by certified mail that was delivered XXXX weeks ago. As well as reaching out the representatives from the company expressing the fraud that has taken place. 

American Express has violated title 18 USC section 241- Conspiracy against rights! Title 18 USC section 242 - Deprivation of rights under XXXX of law! Title 42 USC section 1983 - Civil action for deprivation of rights! Title 42 USC 1985 - conspiracy to interfere with civil rights! Title 42 USC 1986 - Action for neglect to prevent!
Consumer complaint received 2021-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (WA)

Received a letter dated XX/XX/2021 from Allied international credit corp under reference # XXXX stating that i have unpaid ebay balance of {$120.00}, That to call XXXX XXXX at XXXX XXXX XXXX to make payment, However i do not even have an ebay account, have not transacted with XXXX  Here is the full data XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Virginia XXXX
Consumer complaint received 2021-04-18
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. (FL)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I file a FTC NUMER # XXXX XXXX XXXX. 
Other reason XXXX XXXX Other reason XXXX XXXX XXXX XXXX Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX, XXXX XXXX XXXX Other reason Submitted XXXX XXXXXXXX XXXX Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX XXXX XXXX, XXXX Other reason Submitted XXXX XXXX
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX child support froze my checking saving brokerage account do to non payment, unemployment wasnt sending out my payments.. I spoke with child support agency and paid what was owed, child support send out letter On XX/XX/2023 to bank and I, stating to terminate restraining notice and execution as you can see.. i recieved the letter Monday XXXX XXXX .. be calling calling and dont get know where.. I do need my funds to pay my bills please help
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

In accordance with the fair credit Reporting act XXXX 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 2 : 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 card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-18
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. (NY)

experian has a scam on my credit report and they have done nothing about it XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : XXXX XXXX XXXX XXXX you cant even call to see what it is a scam. So they don't investegate, then they say please refer to my credit report for the furnisher or public records office name address and phone number. My question is HOW!!!!! With what they have listed CFPB needs to step in. See experian response below In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Company response was not a direct response. I save all emails and statements since I started with credit card. I have researched their response and find no document that states what company claims. I want the protected balance interest charged for more than a year refunded before I close this account.
Consumer complaint received 2021-04-18
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: Experian Information Solutions Inc. (FL)

I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX DXXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint since XX/XX/2019 has failed to ensure a single point of contact to address my issues with payments, escrow, late fees, etc. 

Shellpoint since XX/XX/2019 has mishandled my mortgage loan since transfer from the other servicing mortgage XXXX.
Consumer complaint received 2021-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Hi, I am on a COVID-19 pandemic forbearance, I was been told that my loan is not eligible for loan modification because as per XXXX XXXX guidelines since I had received 3 modifications in the past therefore at present ( COVID ) time it will not be modified. The current times are different, I sincerely request for help as I am unable to pay lump sum amount of about XXXX and also probably can not afford repayment unless it stretched out to very long time. 

I do not want to loose my home. Just like certain rules and policies have been changed due to the worst ever times humanity is facing in US, I sincerely request my loan can be modified to a lower interest rate ( XXXX at present ) with an affordable payment. 

No one contacted me in the last 30 days from the servicing company and when I last contacted I was been informed that I do not qualify for any options. Why does the servicing company even write on their website that No one will be required to immediately make up the paused payments, all at once or in a lump sum. 

My email address is XXXX. 

Thanks. 

Regards, XXXX.
Consumer complaint received 2020-12-22
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: SYNCHRONY FINANCIAL (CA)

I submitted a charge dispute to Synchrony Bank, the issuer of my Amazon Card, in the amount of {$820.00} on XX/XX/2020 for a purchase that was not received from the vendor, Amazon.com. I received a letter from Synchrony dated XX/XX/2020 stating that credit would not be issued to my account as the vendor has provided proof of delivery. The letter indicates that this proof of delivery is enclosed, but there are no attachments. In subsequent phone conversations with Synchrony I informed them of the missing attachments. I was told that I would receive the attachments in the mail, but have not received anything for nearly 2 months. In other various follow-up correspondence with the vendor both written and via telephone, I have been asked to repay or return the disputed amount as Synchrony performed a charge back against the vendor 's account on or around XX/XX/2020. According to the vendor, the {$820.00} has not been returned to them and they have been unable to perform any kind of refund on their end, despite a willingness to do so, as the funds are missing from their account. I have written Synchrony requesting that the funds be returned to the merchant and received responses on XX/XX/2020 and XX/XX/2020 from Synchrony. In both instances, the written responses from Synchrony do not address the original inquiries as to where the funds currently are and why Synchrony has not returned it to the merchant if the dispute has been resolved. Synchrony has responded to my inquiries by opening another charge dispute for the same purchase, which was not requested by me. In subsequent phone conversations with Synchrony, I was informed that Synchrony does not perform charge backs on vendors unless disputes are resolved in the card holder 's favor. Synchrony was not willing to provide documentation to me supporting this policy regarding charge backs nor any documentation indicating that the funds were never removed from the merchant 's account in the first place.
Consumer complaint received 2016-03-23
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I joined the Bank of America for the sole purpose of a good rate of return from an inherentance i received, when i enquired it the BoA to open an account i was given a choice of a standard account which i feel suited my needs, at the time i was go through redundency from my job so i used {$5.00} to open the account after i transfered the money a few days had past i received nothing from the BoA to confirm the account set up so i emailed them to inqire what the hold up was after a day i received mail back from XXXX XXXX XXXX my account officer the standard account was no longer available and that i would need to take a more expensive account the Premium account at XXXX i had most of that but needed help so i called a friend of long knowing who lives in XXXX XXXX to assist me she agrreed to help with my account and did so, my money nearly XXXX usd was transferd in to my new account within 24 hours, after a few day i received mail telling me i could strat to transfer money to other accounts or my own here in the XXXX ( i am XXXX living in XXXX ) when i set the amount to transfer it would not transfer the funds i requested stating some thing about a cost of transfer fee, i emailed XXXX XXXX again and he told me that i needde to pay {$42.00} transfer fee to transfer money, why was i not informed about this why was i not informed about the Standard account being canceled why was things not explained to me? and why on Friday or Tuesday being it the XXXX break is my money being confinscated? and the account closed why can i not have money used to pay for this Cost of Transfer fee i just do not under stand why i can not have more time or why can the bank not alouw me to pay for the CoT out of my inhernance that they have in my bank account if you would please look into this as i feel it is unfair and to myself i feel as if i am being cheated of some thing i never know would come my way, and that i now have no money to pay my debts and have used all my redundancy payment just to oipen this account my friend also has paid {$37.00} towards the CoT she is tring to raise more but is finding things a little hard right now, so i feel this Bank of America has now put XXXX people deeper into debt, my self and my dear friend, so please help me with this matter my email address is XXXXXXXXXXXX XXXX if you need my BoA account number this i will provide on request, the account is in my full name XXXX XXXX XXXX XXXX, thank you