davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I contacted Credit Collection Services located at XXXX XXXX XXXX in XXXX, Massachusetts to see why this debt was reported to my credit. I was informed that I had an outstanding bill for homeowners insurance from XXXX XXXX. I was in the process of purchasing a home but the sell of the home never made it to closing. Due to their negligence I suffered an adverse effect on my credit. I never lived at the address where XXXX says I owe this bill, and the debt collection agency has an address on file for me where I never lived.
Consumer complaint received 2022-12-20
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$260000.00}
Consumer complaint received 2022-12-20
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Pre pay Capital one card that my wife apply for its in her name and she put me on it i havent sign any paperwork for capital one and its on my credit report so it hurting me saying its a late payment i dont pay that bill its her bill so im ask them to remove u find out that i havent sign anything for capital one i need it remove asap thank u
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (KS)

My credit report is showing that I opened a credit card with Discover Bank and it's showing that it has a balance of {$2500.00} as of XXXX XXXX XXXX However, I never opened any credit card with this institution.
Consumer complaint received 2021-10-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On Friday XX/XX/2021, I was attempting to Purchase an XXXX XXXX XXXX with XXXX XXXX XXXX. This is a monthly installment plan, financed through Citizens One. You can see the link here : https : XXXX I was able to move through the XXXX, inputting my personal information, including Social Security Number to have my credit checked by Citizens One before proceeding to the " Place Your Order '' page. My credit was approved, but when I went to " Place Your Order, '' I got an error. I assumed that this meant that the device sold out. 

I contacted XXXX XXXX support and was told that when I received a Welcome Email from Citizens One, I would be able to place the order. I received the email about 1 hour later, at which point my shopping cart had timed out. I set up my account on their website anyway : http : XXXX After setting up my account and logging in, I noticed that my Available Credit on the Citizens One account was diminished by the cost of the XXXX XXXX XXXX package ( {$920.00} ). But again, I never got to place my order with XXXX XXXX. I contacted XXXX XXXX customer support again. 

After the ( very kind ) representative took time to investigate and see what happened, she informed me that the XXXX were sold out, but that XXXX XXXX could not do anything about the loan, and I should contact Citizens One. When I tried to call them, I was presented with a phone menu that did not allow me to speak to a customer service representative or give me any relevant options that would help resolve my issue. 

As of the time of this submission, 5 hours later, XXXX XXXX is still allowing people to set up a Citizens One account, but not actually checkout and purchase the XXXX.
Consumer complaint received 2022-12-16
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. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES
Consumer complaint received 2020-02-26
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 (CA)

I was charged a past due fee of {$38.00} on XX/XX/2020 My Payment due date is & was XX/XX/2020 & was paid on that date! 
I received a confirmation of my payment being made along with a confirmation # of their receiving the correct amount I have attempted to correct this with the credit card companys representative & Senior management department on XX/XX/2020 & XX/XX/2020 They have refused to correct this fee They always have a different story or reason as to why
Consumer complaint received 2022-05-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 's 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (VA)

I recieved a call from ccs offices in ma. I called back to see who it was. The lady kept telling me I had to verify information. I said well if you know its me who you called then surely thats verification enough. She asked me to give my address I would not. Then she asked my middle initial I said I dont have one. I said what is this about. She said it was for XXXX XXXX   which I do not owe anything because I canceled and switched my insurance before the next billing date due. 
I also asked her what address she had on file for me and it was not even my correct address I said ok send it to me in the mail and send me a dispute right letter. She said we cant mail any of that to you. I asked for the bill she was collecting on and she said she couldnt send me that either I said lady if you are a collection company you know that by law you have to send those. Also she was in the XXXX it sounded like maybe or XXXX. 
So if it is a real company they are violating several fdca laws
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (OR)

I had a XXXX XXXX  Credit Card where I make a {$50.00} minimum payment. I recently had gone through a financial hardship and had been late making a few payments. XXXX transferred to a collection name Midland Funding LLC. It was posted on my 3 credit bureaus on XX/XX/2016 with the amount of {$1900.00}. Midland funding began to get a lawyer and talked with my employer who then started to garnish my wages. Total balance is now {$880.00} and I had to leave my job because of it.
Consumer complaint received 2022-10-13
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. (GA)

It frustrates me seeing the Credit Bureaus do nothing in order to correct the disputed accounts that are being reported on my Credit File despite the multiple and countless dispute letters and CFPB complaints I have been submitting to the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Bureaus are required to investigate a consumer 's Credit File and correct and or remove the erroneous information from my Credit File. However, the Credit Bureaus have been ignoring my requests and continued reporting the disputed accounts without sending me copies of proof of verification. I am submitting yet another CFPB Complaint to request to the Credit Bureaus to remove the disputed accounts completely from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

From my home loan account, Bank Of America ( BOA ) paid, in error, my yearly home owner 's insurance premiums twice : once to the correct company, XXXX, in the amount of {$800.00}, and then in redundancy to XXXX XXXX in the amount of {$1500.00}. 

I switched providers, because the rates at XXXX were too high for me. I notified BOA of this change over a month before this bill was due. I even had a 3-way call with BOA and my new insurance company, XXXX. BOA knew to pay XXXX. Without my consent, they took money out of my escrow and paid both companies! Now, they won't credit my account, let alone admit that they made a mistake. The arrogance that I've encountered with their customer service employees is epic! 

I have called BOA numerous times about this mistake, spending many hours on the phone trying to remedy this problem, and no one will credit the funds back into my account. Each time I call, I get a different person with a different story. Each time I am told to wait. Sometimes I have been told to wait 3-5 days, other times 7-10 days, and the last time, XX/XX/XXXX, I was told to wait 30 days by a " supervisor. '' I have made 2 monthly mortgage payments that are higher than necessary, because this error has created a shortage in my escrow, which has significantly increased the amount of my mortage payment that is due monthly. BOA has refused multiple times to do a new escrow analysis, stating that this can't be done until the {$1500.00} premium has been recovered from XXXX. This is extremely frustrating, because they are the ones who won't credit back the funds that they took in error from me and gave to XXXX... supposedly. 

I have went as far as contacting XXXX myself trying to recoup the funds. I asked XXXX to return any funds that they may have received. I was assured that no check had been received or cashed, because I had canceled my policy with them. The XXXX representative told me to call BOA and request a " stop check. '' I informed her that I had already asked for that and had been denied. 

I believe that BOA has been given more than ample time to resolve my concerns, but as of this afternoon, BOA still has not. I'm beginning to wonder if they plan to remedy this problem at all? Any help that you could render would be greatly appreciated.
Consumer complaint received 2022-12-20
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I asked the credit bureaus for a accurate credit report and I did a thorough investigation myself and I still had false. dates, addresses and personal information about myself. I would like for these items to be removed due to my unauthorized decisions. 

XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX Unverified Account XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Account
Consumer complaint received 2021-10-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

Hi, I trust this email finds you you well As we have mentioned before we have a problem with PayPal, they closed our account for 180 days without any reason We are a retail e-commerce store we are selling online, last week we get noticed that PayPal, limited our account for sending some documents, Like : ID card, Bank statement, Fulfilment infos ( tracking. numbers ) this is not first time we received this verification. but this time after that we have submitted all those documents then we received that our account is closed for 180 days and they dont like to refund over XXXX $ Regards
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

I opened a credit card with XXXX XXXX, Comenity Capital Bank, XXXX XXXX XXXX, XXXX OH XXXX, on XX/XX/XXXX. I had a promotional balance that was set to end in XXXX. I decided to pay the full amount XX/XX/XXXX. I called customer service line at XXXX and asked for the full pay off amount. I then paid {$15000.00}, the full pay amount that was provided to me via phone. The representatives name was XXXX, our conversation begin at XXXX on XX/XX/XXXX and ended 30 minutes later. I believed then I was done with payments, but I received a XX/XX/XXXX bill for {$130.00}. I called and they advised that that was not the full pay off because of daily interest. How can I accrue daily interest when they told me the amount to pay in full. None the less, I paid the XXXX bill. Here we are now in XXXX and I get another bill, this time for {$4.00} ( confirmation payment # XXXX ). I called today, XXXX XXXX, XXXX and had a conversation with a representative. I requested that he close my account and I paid the {$4.00}. I'm not sure if I will be charged yet again next month and am enlisting the help of the CFPB to make sure this company stops charging me.
Consumer complaint received 2022-12-20
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: JPMORGAN CHASE & CO. (KS)

Received hard inquiries from JPCMB card services last XX/XX/22 and XX/XX/22. However, I never applied for any cards from this institution.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX I opened a Bank of America account online. After opening, I sent $ XXXX to my new account from an existing account at another bank. On the following Monday I attempted to log into my new BofA account, and noticed I was locked out. I called in and asked about the account, was informed the account was closed, and told that my ACH deposit would be denied since the account was closed. 

The ACH deposit was not denied according to my bank. I went into a BofA branch in XXXXXXXX XXXX to find out from someone in-person what to do. I was told that I needed to confirm my identity and that the account was /not/ in-fact closed. However since I came in on a Saturday, I could not do this. I went to a BofA in XXXX XXXX  the following Monday to confirm my identity, and could not meet with a banker. I scheduled an appointment for the following day. 

I went to my appointment, and the banker was unable to even find my account. After sitting an hour on hold with some internal team, she was able to determine that my account was " pending closure '' and there was nothing that could be done. I was told that I would receive the funds that were in my account within a few weeks. 

Over a month has now passed and I have not received my funds. Further, I am receiving mail statements for my account indicating my $ XXXX is still there. I have tried to call in several times to find out what's going on, and I either get hung up on or told that the account is closed.
Consumer complaint received 2022-04-10
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. (FL)

Basically What Is Going On Is.. My Credit Report Is Showing Up To Date Information About My Payment History About A Credit Card I Owned That Was Closed On XXXX. 
However As I Begin To Look On " Experian '' And Also " XXXX '' I See " No Data Provided ''. There Is No Information Provided Of Any On Time Payment History I Was Making On This Account. I Would Immediately Like This Information To Be Updated. Or For This Account To Be Disputed And Removed From My Credit Report Completely At The Soonest Convenience. Thank You Have A Blessed Day!
Consumer complaint received 2022-12-20
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. (CO)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Online Security Freeze with Experian - repeated efforts fail for myself, my husband and I even had my kids try. The only alternative is to mail then detailed financial information, drivers license copy etc. that I would NOT want to send via mail. I believe that they intentionally make it impossible to put a freeze on easily to circumvent the law and push folks to use the paid credit lock service. Please investigate and see if you can even put a freeze on an account and you will see what i mean.
Consumer complaint received 2019-07-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Action Financial Services, LLC (LA)

Im in collections i dont make enough to make payments. The debt collector ms XXXX XXXX at action financial XXXX called my work and kept me on the phone for 15 mins after telling her i was at work
Consumer complaint received 2022-12-16
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: National Credit Systems,Inc. (OH)

This is the second or third time I have filed a complaint over an account from a 3rd Party collection agency that I have never done business with. I demand a re-investigation of the following account : NATIONAL CREDIT SYSTEMS XXXX XXXX I have no record of this account and I never received any documentation of notice before this account was added to my credit file.