davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (AZ)

on XX/XX/XXXX2019 a federal tax return was directed deposited to a brand new Netspend pre-paid visa card. that same day 16 transactions were made against the card totaling {$500.00} which I never made. the co that made these withdrawals was XXXX co/XXXX Netspend has not given me an provisional credit and says the investigation can take up to 90 days, another card was opened and I had to fight with Netspend to transfer the remaining {$800.00} onto the new card. In the meantime my state tax refund was issued on the XXXX of XXXX and sent by direct deposit to a new card. Netspend says they have no record of it arriving. It was for {$210.00}. I was told by the state to check with the bank if it did not arrive by the XXXX. I can't check with XXXX as the account it goes to is Netspends than to the individual cards. If I call netspend they charge me to find out the balance, they charged me for transferring the money that was left on the bad card, every person I talk to tells me something diferent. I have gone in and checked the reviews on this company and wish I had done it before I opened the card as they have over 5000 complaints, a lot of them for the same thing that has happened to me. It is obviousd that someone working at Netspend is responsible for the fraud as my card was in a drawer and had never been used. I wasn't expecting my first5 direct deposit till XX/XX/XXXX2019 so had no way of knowing it had it had arrived the night of the XXXX and the fraud was committed on the XX/XX/XXXX.. They said is was signature purchases which doesn't require a card and it was done without the card. In order to put money on the card you have to show I.D . So I am being lied to. This company should be investigated completely as a lot of people have lost a lot of money because of them
Consumer complaint received 2018-11-06
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: MIDCOUNTRY FINANCIAL CORP (ME)

In XX/XX/2018 I took out a debt consolidation loan from XXXX XXXX XXXX XXXX. I supplied them with my credit report to pay my rent off. A check was sent to XXXX XXXX in XX/XX/2018 and deposited by them according to my banks records. However they failed yo update all 3 bureaus, and refuse to work with me on fixing it. I have proof of the check and deposit from my bank. I need this off my credit.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one credit card services has been reporting a fraudulent account to the CRA 'S, I have attempted to talked to the co. that this account was opened not be me, I sent disputes to The XXXX CRA 'S seeking identity theft as well as asking for the verifying documents that support the claims that this account belongs to me, I have got no documents such as the application and any other info that would suggest that this fraudulent account belongs to me. This account is definitely affecting my creditworthiness, and according to the FCRA Laws that are in place for the consumer if this is clearly unlaw because it states that within the dispute the CRA 'S should be able to report and issue supporting documentation to the consumer when it is requested as to how this verification process of this account was obtained, and they have not with the 2 attempts that i have tried in wrinting disputing this account with Capitol one.
Consumer complaint received 2019-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (MO)

I was living in XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX TX XXXX. 
I moved out of XXXX XXXX XXXX  on XX/XX/2019. I received a letter that was mailed on XX/XX/2019 stating I owe money for last month utilities, cleaning, and damages with the total being XXXX. With XXXX being from water for the partial month I have never had a full month over XXXX. The letter stated I had 30 days to pay before it was sent to a collection agency. The letter did not give a way to pay and had xxx-xxx-xxxx for a number to call instead of an actual number. I tried calling the number listed on XXXX multiple times and was told I had to talk to XXXX but every time I called XXXX was not there and she would not return my calls. On XX/XX/XXXX I was told to send a money order for amount owed I sent money order certified mail that day. On XX/XX/2019 I was contacted by a collection agency saying I owed over 1000.00 from the same apartment. The collection agency name is Rent Recovery Solutions with their office in XXXX, Goergia. It has been less than 30 days, I have tried contacting them, the letter gave me no way to pay. I sent a money order on XX/XX/XXXX using certified mail. But the collection agency is saying I still owe money. I paid in full the bill I was sent within the 30 day time frame. I do not want this to effect my credit score since I paid off the debt in the allotted time.
Consumer complaint received 2022-03-01
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: FIRST NATIONAL BANK OF OMAHA (NY)

CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX  XXXX AMOUNT : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$4800.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : FNB OMAHA AMOUNT : {$20000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (OR)

TD Bank has blocked me from accessing my checking account and put a hold on my money. I tried to resolve the issue over the phone but they want me to go to a branch in person to solve it which unreasonable and inconvenient for me because at the moment Im in the State of Oregon and there are no branch anywhere whatsoever. They want me to go back all the way to New Jersey in order to remove the hold and I dont think I will be back in New Jersey for at least the next 4 months. The way they handle this type of issue is just out of the ordinary and it is causing me stress for trusting a failed financial institution with my money.
Consumer complaint received 2020-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Good day, I been having a big problem with capital one and im from the USA they send me to the XXXX and no one 's want to help or fix there technical support. 

I have been disputing a charge of XXXX since XX/XX/XXXX a product was damage and not the real product, it was wrong. I contacted them and they been ignoring me. So I reach out to my credit card. 
So they discriminate me my account. Because I had send them proof from above and I call to tell them about bthis broken product that is not the right one. 

2 ) now purposelyv they change my due date with out my authorization. I always paid after the XX/XX/XXXX 3 ) now been charging me late fee, so there's sobatage my acct. 
4 ) no names on the paperwork which it's unprofessional and dishonest. We need to have there name so we can ask for them.

5 ) now I want to reset my password and make some updates.

6 ) ; I was changing my password and the computer didn't allow me to. I was doing to enter the 3 cvc code so I can make changes. That didn't work.

7 ) I call up technical support and they said they didn't understand so the XXXX didn't know. What to do. 
8 ) then I wanted to update my phone number and there so lazy they don't remove the old ones. So now everything is pile up 9 ) there were going to send me a verification by phone and that doesn't work .I had a new phone a dum phone bwhich I can accept texts messages and I gave them new number and nothing went through. Nobody offer to help me .nobody was using there smarts. 
Then they lock me out sent me to fraud. For there harassing me my acct. Who does this. This company are dishonest unprofessional people. This has happened before .I contacted you guys has help me and capital one apologize .I got the USA. We're people no matter where we live.should be respectful and helpful. There were asking for mail proof. I don't know who those people are. I will never put my self sending information by mail. The same way this company CFPB don't want our information on this screen.. so retaliation should be punished a fine should be against them for giving us so many stress I felt I was having a XXXX XXXX. I had to see a doctor about capital. Please. They could of fix the trouble shooting why didn't they offer. This is discrimination abuse from capital one
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (NY)

In according with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 section 602 state I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also state a customer reporting agency can not furnish an account.

15 USC 1666B : a creditor may not treat a payment on a credit card account under and opens end customer credit plan as late for an purporse
Consumer complaint received 2020-06-06
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. (CA)

experian is reporting a late payment on my XXXX  XXXX XXXX loan. I have diputed this and they have not provided me the information on how they verified their informaiton or the employee information they spoke with at the company who verified this informaion. Therfore should be updated as no late payments.
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (PA)

My name is XXXX XXXX, and I am Consumer who is currently a Victim of Collection Agency attacks and violations of my rights. My Private Personal Information has been illegally purchased and utilized by this Collection Agency by the name of FIRSTPOINT COLL RESO for a Fraudulent and Inaccurate account for the total of {$280.00}. I have no awareness of this account, because it is not Valid or mine. I have NEVER SIGNED or CONSENTED or GAVE PERMISSION for the Collection Agency to access my information and report Falsified Damaging Information against my Consumer Credit Report. This unethical Collection Account MUST BE REMOVED and Deleted immediately from my Credit Report as per Federal Law and FCRA Regulations. 

These abusive, unethical, and unlawful Practices by Collection Agencies such as FIRSTPOINT COLL RESO are extremely detrimental to society, and I refuse to have my Credit Worthiness damaged any further by this FALSE and FRAUDULENT Collection Account. This account must be removed immediately.
Consumer complaint received 2022-09-05
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: CITIBANK, N.A. (NC)

accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX, 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
Consumer complaint received 2022-08-18
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. (NC)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the three Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Report : XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : $ XXXX LEASE RENTAL XXXX Balance : {$0.00}
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST HORIZON BANK (CA)

Our family took a trip in XXXX of XXXX to XXXX XXXX ( we live in XXXX  ). We received suspicious information before we even left XXXX XXXX ( only there 3 days ). For months after our trip we started receiving bank account statements in both my name and my husband. There were about 7-10 different banks and all were on the XXXX  coast XXXX They were all showing we owed around the same amount of {$200.00} I started calling the banks and reporting them and XXXX XXXX ( in XXXX  ) was one of those. I thought it was all taken care of until I received a notice from a collections company, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX Dated XX/XX/XXXX. XX/XX/XXXX I spoke with XXXX and XXXX XXXX at XXXX and then was told to call The Collections company. I was supposed to receive a packet and never did. I called again on XX/XX/XXXX. XXXX XXXX was unavailable so I spoke with XXXX XXXX and again was told to talk to the collections company. At that time I was told to wait on my packet and complete an affidavit with FTC but when I answered the questions on there it sent me here. I was also told by collections that I need a police report. I have the bank copies showing transactions but my signature is no where. I even explained to the collections, I make over {$200000.00} a year, you don't think I would just pay it. It is over XXXX years old and I am not paying something that is not mine.
Consumer complaint received 2023-03-31
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, 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
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balanced Owed : {$0.00}
Consumer complaint received 2020-12-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I filed a police report and FTC report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX Balance Owed : {$11000.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX Balance Owed : {$11000.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I have recently attempted to contact XXXX, XXXX, and TransUnion. I have not received any responses from these companies and I am under the impression that they have at least 30 days to respond to my complaints. I have accounts reporting incorrectly and unverified and I am not sure why no one has ever reached out to me in regards to my investigation requests. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt  number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so on XX/XX/XXXX, I sent another letter stating that they never responded to my request. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX. Again on XX/XX/XXXX, I sent another letter via certified mail, receipt number : XXXX XXXX XXXX XXXX XXXX. This was received on XX/XX/XXXX. Out of all the letters I sent to XXXX, I never received any responses back from them. 

TransUnion : On XX/XX/XXXX I sent a letter to TransUnion asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NY)

My name is XXXX XXXX and i have recieved letter fromXXXX   XXXX XXXX  that they were offering to pay off my credit cards and resolve problem with banks within 1 month of our agreement, we agreed that i would pay them XXXX $ a month and they will contact banks and resolve all the late payments, after i made first payment, banks still were calling me and they were saying that, they never been contacted from XXXX XXXX XXXX, then i called this company and asked them why they didn't called banks, i recieved answer that i have to make 9 payments at least and after that they will contact banks, this wasn't agreement between us, then i called my bank, which i was using for automatic payments with this company and ask them to stop payments to them and opened a claim, bank gave me back XXXX $ and just received the decision after a week that bank is taking back XXXX $ charge and i have to close account to stop XXXX XXXX XXXX to charge my account, after that i started research about this company and it seems like 99 % of clients sued them and they seem like a scammers, i need to stop this company taking my money and also looking forward to take my money back what i paid them already, there was my claim about global client solution and it seems like they are contractors to each other, i knew that they were main company which was dealing with my banks but they responded and said that they only were taking XXXX $ of charge from ammount of XXXX $ and main company is XXXX XXXX XXXX, but my bank charge says different story that money was charged from global client solution, also Global client solution said in their letter that refunded XXXX $ to my account which is a lie  and nothing was refunded on my account, please see attached files