davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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. (FL)

On XX/XX/XXXX I sent a letter to Transunion requesting that they remove inaccurate credit information from my credit report. In that letter I specifically requested that XXXX XXXX and XXXX XXXX be removed from my credit file. These two accounts are currently reporting a " XXXX Offs '' Tranunion followed up stating that the inccurate information was verified as accurate. I sent another letter XX/XX/XXXX asking that the information be removed and I recieved a response back stating account information is accurate dated XXXX. I sent another letter XXXX asking for method of verification and I recieved letter date XXXX which was a stall tactic letter stating that I didn't appear that I actually sent this letter as if a credit repair company sent the letter which is inaccurate. Transunion as violated the following laws and has caused me damages as a result to inaccruate reporting. Transunion has violated federal law under FCRA. 15USC1681 602 ( A ) 15USC1681 604 ( A ) section 2 15USC1681 ( s ) 2. A Charge Off, according to the IRS, The IRS considers any canceled or forgiven debt as income. 26 CFR 1.61 Gross income can not be reported on my consumer file only debt. A charge off means that both XXXX XXXX and XXXX XXXX filed these accounts as a loss with the IRS, therefore these tradeline need to be removed from my file which Transunion has failed to do so after multiple request.
Consumer complaint received 2023-11-27
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 (AL)

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal XXXX please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference number : XXXX PAYPAL : XXXX XXXX
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (MO)

ATTENTION DISPUTE DEPARTMENT LAW OFFICES MBA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious LAW OFFICES MBA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-02-14
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. (CA)

This is the 4th time I've complained about the CFPB & Experian. I continue to get ignored, told I'm not the one submitting my complaint or informed there is no record of me being listed with the company. I have no clue what heck you're doing but I'm literally suffering and it's creating a ton of emotional & physical distress. I was the victim of identity theft and Experian has FAILED to comply with Fair Credit Reporting Act ( FCRA ) by not following the regulations. Under FCRA Section 605b an account should be blocked/removed when provided the correct documentation which shows identity theft occurred. I've submitted all required documents & they've failed to comply. Additionally, EXPERIAN has failed to provide with any verifiable proof such as a signed agreement or contract which would demonstrate I was the one opening the alleged accounts. I need the following accounts removed from my credit report ASAP. Here is the information about the accounts - XXXX XXXX XXXX & XXXX XXXX  XXXX
Consumer complaint received 2022-12-03
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Office of attorney General- acct # XXXX 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 furnis a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of informatio other than records of convictions of crimes which antedates the report by more than seven year 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

Every year or so my mortgage company tells me I have an escrow shortage and they raise my bill even though I have paid for every month and haven't changed anything to increase it. This is the second time I am going to the CFPB for the same reason. The first time it was fixed but now the mortgage company is doing it again.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act Capital One 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 purpose.
Consumer complaint received 2021-06-14
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: Bread Financial Holdings, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-06-14
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)

This is the second incident with Capital One. Even when paid in full, they add interest. 
I am now at an impasse with a payoff from XX/XX/XXXX. I pulled the info from the on-line information. The balance was paid in full as of posting thru XX/XX/2021. Now they have sent me a statement for $ XXXX Not the balance after the payment and insisting that the information posted on XXXX was correct. There is no way it was correct. I asked for a statement thru XXXX and was told they could not provide it. " No way we could provide that '' ... to be exact. I want to know what additional charges equalled XXXX. I want to see it in writing. I know there were additional chages equal to $ XXXX {$400.00} but not {$990.00}. I am asking for your help to get the documentation. Your assistance is most appreciated. Thank you. XXXX XXXX XXXX / phone XXXX.
Consumer complaint received 2022-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc. (MI)

XXXX XXXX from Credit Counsel Inc has been harassing me for a year about a collection of my fathers debit, and the phone calls started before my father had died. My father was a patient at the XXXX 's of XXXX XXXX who had fallen behind on a debit. I was listed on his contact information for the XXXX  as a Emergency Contact which was only meant for the XXXX XXXX, but XXXX somehow got that information and used my telephone number to try to contact me about my dad. I explained I hadn't spoken to my father but explained he was still at the XXXX 's where he could reach him, and XXXX still tried to contact me from time to time which I explained that the only number I had for him was the XXXX XXXX. My father died in XX/XX/2021 and in XXXX XXXX XXXX called again, to which I explained that my father had died. XXXX said that I was responsible for this debit, which I explained I was not since this debit was my fathers. He asked if my father had any estate which I responded no, my father had no land or house or any property. He then threatened me saying I was fully responsible for paying back this debit, don't I feel bad that this debit hasn't been paid, I need to find a way to pay this back before he sues me. I explained to him this wasn't my debit nor my responsibility since I wasn't as power of attorney for my father either. He was continually usually manipulation tactics to try to make me pay this, and to say he was going to come after me and my siblings to make us pay. 

Then today I get a e-mail threatening to sue me for this debit, which again isn't mine to begin with. I explained in my email attached there was no will made, I had to make last minute medical decisions for my father since his death was sudden, and this is harassment. I feel threatened and I am tired of feeling like I'm going to jail for something that isn't my fault. I am tired of the harassing phone calls, and now emails which I NEVER GAVE THEM.. This shouldn't be allowed or legal.
Consumer complaint received 2022-03-21
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)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE UNEXPLAINED PURCHASE ADJUSTMENTS TOTALING {$610.00} 1 ) I purchased two wigs using Capital OneMastercard, one of which wasn't what I ordered at all. I called the company, XXXX, an houror less after I received them. XXXX kept giving me all kinds of XXXX about letting me returnthe wig over two or three days. XXXX kept " losing '' the photos I sent etc. So, I called Capital One. 
XXXX Capital One removed the charge of {$160.00} and change on XX/XX/XXXX XXXXand put the charge right back on my account on XX/XX/XXXX -- which I didn't notice for acouple of weeks. 
*** I called Capital One and got no where. Capital One claimed they werefollowing Mastercard Protocols. -- I had no idea Mastercard was like this. I've never had aproblem with a company engaging in fraud when I made a purchase through Visa. Never.Once I pay off Capital One, I'll never use Mastercard again. 
******************* When Irealized Capital One was cheating me in this way, helping fraudulent companies, I decidedto check my account more closely and found out Capital One did " Purchase Adjustment '' without notifying me this at least 3 other times. 
* * * * * * 1 ) XXXX XXXX issue was resolvedafter a complaint here, to the CFPB. Apparently XXXX XXXX told the truth when queriedabout why they charged my account. A correction was made. {$59.00}. 
* * * * *. 
2 ) I purchased an Infra red blanket that turned out to be a matt. It barely got warm at all and it was tooinflexible to use. I also paid for next day service and didn't get it. I tried to return the mattover and over, the website wasn't working. XXXX XXXX. Their phone wasn't workingeither. {$170.00}. 
I called Capital One, where they state they record the conversations. Thecustomer service rep at Capital One told me not to worry about sending the matt back -- -because I couldn't. One week later, unbeknownst to me, Capital One snuck the charge backonto my account on XX/XX/XXXX. ( I've send Capital One the apology e-mail fromXXXX XXXX via CFPB -- there's no way they didn't receive it. ) ************ 3 ) I paid for a group trip ininstallments, at the beginning of XXXX. The trip didn't take place because of COVID. Thecompany had to cancel the group trip. Capital One credit my account for 4 of the chargesbut then recharged me for one of the trip installments on my XX/XX/XXXX statement that'ssomehow dated XX/XX/XXXX for {$270.00} The only reason I know what it is -- is because of the amount. All it really says " PURCHASE ADJUSTMENT '' -- not connect to much of anything. Dear CFPB, This should an illegal business practice all by itself
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made my credit card payment on XXXX XX/XX/year>. Payment posted both in my XXXX  XXXX XXXX account and in my Capital One account. I should note that my father and I both have Capital One credit cards. I paid our balances on the same day, both in sequential order. Both posted in both places as stated above. His available credit ( {$500.00} ) is updated the very next day. Mine still has not. I was told that they placed a hold on my card to ensure the payment would go through. It has. It is not pending. I was told by their customer service agent that, and I quote, 100 %, for sure, your available credit will be updated and available for you to use on the [ XXXX ] XXXX [, 2024 ]. Today is XXXX XX/XX/year>. It still has not updated. These people have upended my life! I rely on this card to live on throughout the month. Ive just had major XXXX, and Im on XXXX and not able to work. I can not afford to just lose {$500.00} on their whims simply because they felt like it for whatever reason that day, even after having already received my payment, AND holding an additional {$500.00} in collateral ( this is a secure credit card ). Placing a hold on my account was totally unnecessary and was most likely a result of discrimination. I can not even buy groceries now because they wont do what theyre supposed to do, what theyve promised to do.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

wells fargo Bank to whom this may concern : Wells Fargo Bank illegal closed with overdaft fees on my account my bank account in XXXX & XXXX and then sent me and my mom and my mom a {$20.00} dollar check and i know thats not right think that was right my money was gone out account fast with no trail of how much i had and why they closed my account
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to express my deep concern and frustration regarding the lack of progress in resolving a dispute on my credit report. Despite my efforts to address inaccuracies, particularly a reported late payment that is inconsistent with my payment history, there has been no apparent resolution. 
Account Information : CAPITAL ONE XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to emphasize the importance of accurate reporting and the impact it has on my overall financial well-being. The inclusion of this inaccurate late payment information is not only affecting my credit score but has also taken a toll on my mental health due to the distress caused by the seemingly unending resolution process. However, there has been no visible progress in your investigation, and the inaccurate information persists on my credit report. 
I am reaching out to seek clarification on the status of my dispute and to understand the steps being taken to address the inaccuracies in my credit report. I am a responsible consumer who values financial integrity, and it is disheartening to see that my efforts to correct these errors have not yielded any positive results.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MD)

My name is XXXX XXXX XXXX XXXX someone open a PayPal account In my name which doesnt belong to me Ive called and explained to this come over the last XXXX this is not my account and it was never opened by my they stated that because it has my address its my account when I spoke with a representative they stated that the email were not the same but the house address matches so they trying make me responsable for paying the account of {$670.00} in which I have no problem paying if this were my account so Im reach out to have someone help me clear my name of the identity theft that has been created by someone else thank you XXXX XXXX
Consumer complaint received 2021-08-23
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. (MT)

EQUIFAX HAS FAILED TO REMOVE FRAUDULENT INQUIRIES ON MY CREDIT. XXXX  AND XXXX  HAS FIXED THE ISSUE, WHAT IS TAKING EQUIFAX SO LONG? IT HAS BEEN OVER 60 DAYS AND NO RESOLUTION FROM EQUIFAX. I HAVE NOT EVEN RECIEVED ANYTHING IN THE MAIL. I AM REQUESTING ANOTHER INVESTIGATION AS I HAVE NOT RECIEVED ANYTHING BY MAIL AND THE FRAUDULENT INQUIRIES ARE STILL REPORTING. I HAVE ATTACHED MY IDENTIFICATION AND ID THEFT AFFADAVIT PACKET.
Consumer complaint received 2021-06-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.