davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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 (SC)

I received an email advertisement that I had won a free watch and I had to pay {$4.00} shipping. Instead the company charged me {$71.00}. I contacted my credit card company Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Telephone number is XXXX and their website is www.capitalone.com/support-center/contact-us. 
I am a XXXX XXXX and a XXXX XXXX and XXXX  XXXX XXXX, After I contacted the credit card company they sided with the XXXX XXXX XXXX the MERCHANT on this UNAUTHORIZED TRANSACTION. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission and the Attorney General Fraud Division, Consumer Financial Protection Bureau and US Treasury and file a complaint about this. 
I should NOT be responsible for any charges that I did NOT AUTHORIZE. After I notified the credit card company of this UNAUTHORIZED transaction, they CLOSED the credit card and ISSUED me a new one. If they thought there was NO FRAUD, why issue me a new credit card when I reported this unauthorized transaction?
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

Account was closed, tried to call and ask and I was told they couldn't tell me anything and to use something else that they can't help me with no explanation or a solution. They never told me that they closed my account and when I tried to pay my rent and my car It just showed that my number wasn't linked and I had to call and get transferred to multiple departments just for them to tell me to use something else.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I have contacted Equifax several times to remove my fraudulent inquiry from XXXX. Still it is not removed and it has taken more than 30 days. I sent them dispute by certified mail and they received it on XX/XX/XXXX. I am attaching also a letter from creditor confirming that inquiry should be removed.
Consumer complaint received 2022-02-23
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. (SC)

In accordance with the Fair Credit Reporting act XXXX DPT ED XXXX Account # XXXX. DPT ED XXXX Account # XXXX. DPTED XXXX Account # XXXX, XXXX Account # 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 2022-02-23
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. (ME)

My problem is with both XXXX XXXX XXXX XXXX XXXX and Equifax, XXXX had a charged off credit card account that I paid {$2700.00} on to settle before Covid hit in XX/XX/XXXX. They had already written this account off for {$15000.00} when they added a bunch of fees and interest. Non the less I paid it as requested, I had two payments of {$680.00} to pay when XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I got back on my feet and was able to actually pay down the charged off account to a {$0.00} balance/full settlement I had to start over with {$4000.00}, which I paid XXXX and finally the last {$1000.00} on XX/XX/XXXX. They sent me a paid off letter, same one they sent Equifax, which obviously interprets things differently because they left my balance as a {$12000.00} balance, which it isn't. My balance is {$0.00} and this account is settled in full. It should of been taken completely off my credit file as a negative item. This am I get an email showing my dispute to Equifax XXXX is wrong, still showing this as a negative item, even though it is supposed to be a {$0.00} balance. It never had a {$12000.00} balance, because I paid {$1000.00} on XX/XX/XXXX, then {$2000.00} on XX/XX/XXXX, then another {$1000.00} on XX/XX/XXXX where it was settled per XXXX XXXX XXXX agreement, The numbers that were written off shouldn't be showing as a balance still, but it does on Equifax so I disputed it again with the {$0.00} balance letter I received from XXXX on XX/XX/XXXX. 

So this afternoon i got an email alert from myfico.com ( a service i pay for ) saying Equifax posted the wrong information to my account, like its a " bad '' thing I paid off a charged off account, which is wrong! It violates the letter of the law of the FCRA of 1970 with accuracy mistakes and fairness. Some " XXXX ' from a XXXX XXXX XXXX who was laughing at me, while going through the verification process again. This time I got heated because they were just playing games with me, a clear violation of Fair Reporting of information on my file. I'm writing in because I have spent 6 months working on my credit files with the three major reporting agencies, fix one item, another error such as this comes from a positive? How is that. Because Equifax, nor any of the Creditors is held to Fair or Accurate Reporting of my information on my file on line. I have proof I settled this to {$0.00}, XXXX XXXX XXXX XXXX XXXX Representatives sent me a " Congratulations Your XXXX XXXX  Balance now has a zero balance '' letter, but Equifax screwed it up and turned a positive situation into a negative. I want this NEGATIVE INFORMATION removed immediately because it's not factual and it's vindictive. The next complaint i make will be with XXXX XXXX, State Attorney in Florida, where i live and where this business was conducted with these creditors/credit reporting agencies, etc. I will seek damages.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX XXXX, XXXX, on behalf of XXXX XXXX XXXX ( USA ). 
Since XX/XX/XXXX, the above collection company have constantly called me, with an attempt to collect a debt in the amount of {$4000.00}, ( after I asked them not to call anymore and that the debt does n't belong to me it belongs to the corporation inwhich I once worked ), they have mailed me numerous letters, I received the last letter XX/XX/XXXX ( after I asked them not to contact me anymore ) and they have damaged my credit report with all three credit agencies, because of this derogatory mark on my credit report, I have had a very difficult time trying to obtain US Veteran housing. 

I have repeatedly told this collection company that " this debt is not mine and to please remove this negative remark from my credit report, ( inwhich I have never given access permission ). I have repeatedly told and written letters to this collection agency stating that this debt belongs to XXXX XXXX XXXX XXXX a company credit card inwhich was I used under the corporation 's name and was not and is not responsible for debt or repayment. The corporation since then has dissolved. Please ressolve this matter. 

Thank you
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

This morning XX/XX/2024, I noticed that my automatic payment was not made to my Citibank credit card, after logging in and making the payment I noticed that I was charged {$41.00} for a returned check fee. I called Citibank customer demand they said that they charged my account for not making a payment on the due date. I said that my account has been set up on autopay for a long time and that I recently changed my payment account from Citibank check to XXXX checking and there must have been an error. I was told that there was nothing they can do and I could call back next month to see if anything could be done. I explained that I should have been charged a late fee and not a returned check fee because I have never written any checks from this account. I believe that Citibank is attempting to avoid charging a late fee because of the recent charges to the law in the amount they are allowed to charge.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

Hi, Was told that my account is closed. But there was no communication till XX/XX/2022. 
I am not allowed to withdraw money from my account. I have about {$4500.00} in the account. This is my payment and I am not Abe to pay my bill and home mortgage. This will impact my credit report.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2020 XXXX & XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (VA)

I just received a response regarding a previous complaint. The response contained attachments relating to named, XXXX XXXX, who is obviously not me. 

Not only is this irresponsible and egregious, sharing personal information of another consumer is just ridiculous and careless. 

All of the attachments belonging to XXXX XXXX are attached. 

XXXX XXXX
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

on XX/XX/2018, i sent Transunion a certified letter, asking to remove OLD addresses and the various names that are listed on my credit report. They have NOT made the corrections, I sent a copy of my drivers license bearing my correct address along with copies of utility bills and even had it notorized!! 

The address that need to be removed are- XXXX XXXX XXXX , XXXX XXXX XXXX Va XXXX XXXX XXXX XXXX , XXXX  XXXX Va XXXX My name is XXXX XXXX the names to be removed are XXXX XXXX and XXXX XXXX This is inaccurate reporting, I cant not be reached at these addresses by United States Postal Mail . They have failed to update their database, and the entries should be deleted.
Consumer complaint received 2018-07-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I Buy a service to XXXX XXXX through My Bank debit card of Bank of America, XXXX  XXXX Didnt bring me the service that i bought, so i call the Airline and they didnt solve me nothing so i calles Bank of America and start a Investigation for that transaction, the representative who attended me va phone call told me that in the next 24 max 48 hours the Bank Was going to Put in my account a temporary credit while the investigation is complete, after 48 hours i called again to Bank of America and the representative told me that in the next day ( 3 ) Days the temporary credit was going to be my account, today is the five days i called again today to the bank and told me that my temporary credit can not be placed until after 10 days because my account is a New account, my complaint is for false information to the client from Bank of America, if they dont place temporary credits before 10 days to News accounts, why the firts representative cheat me saying me that my temporary credit was going to be accredited in 24-48 hours, and why the Second representative told me that my temporary credit was going to be accredited in the next day? And the third representative told me something completly diferent to what the firts two representatives told me? Diffusion of false information? Cheating the client? Manipulation of policies for the convenience of the bank? I want that my problem be resolved now, that the XXXX XXXX  return my money, the bank make firts word that gave me when the investigation began, and compensation too for this horrible moment what happened to me and the credibility that i had with Bank of America.
Consumer complaint received 2024-04-08
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 (TX)

To whom it may concern, My name is XXXX XXXX and Im a long-time PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a ; Important : Account features have been deactivated " We're unable to continue processing payments for this account You can no longer do business with PayPal email today. At the advice of counsel, Im sending you a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. 

I primarily use my PayPal for accepting payment for the sales of my digital products ( eBooks and video courses in the book publishing, freelancing, domain flipping niche/industry ) that is, I use my PayPal to receive payments for the sale of goods or services ). In addition, I run adverts to promote my digital products and that is why I make good and occasional sales. Everything I do on PayPal is completely legitimate and I have never had any issues or complaints from any of my customers. 

Here are several examples of recent transactions : [ XXXX XX/XX/2024 ] : [ {$40.00} ] payment for the sales of a digital product ( book publishing course ) from XXXX XXXX. 

[ XXXX XX/XX/2024 ] : [ {$49.00} ] payment for the sales of a digital product ( book publishing course ) from XXXX XXXX XXXX. 

[ XXXX XX/XX/2024 ] : [ {$49.00} ] payment for the sales of a digital product ( book publishing course ) from XXXX XXXX. 

[ XXXX XX/XX/2024 ] : [ {$34.00} ] payment for the sales of a digital product ( cpa/affiliate marketing course ) from XXXX XXXXr . 

[ XXXX XX/XX/2024 ] : [ {$35.00} ] payment for the sales of a digital product ( domain flipping course ) from XXXX XXXX. 

[ XXXX XX/XX/2024 ] : [ {$40.00} ] payment for the sales of a digital product ( cpa lead generation course ) from XXXX XXXX. 

[ XXXX XX/XX/2024 ] : [ {$35.00} ] payment for the sales of a digital product ( book publishing course ) from XXXX XXXX XXXX. 

AND I transferred {$1000.00} from my account to my valid and approved card on the [ XXXX of XX/XX/2024 ]. 

None of these violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. 

Please forward this on to the correct internal department that handles PayPal accounts. I look forward to hearing back from you once my case is reviewed and the limitation is reconsidered. 

Sincerely, [ XXXX XXXX ] [ My PayPal Email : XXXX ] ( CONFIDENTIAL )
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: V and H Portfolio (FL)

I disputed this account, as it is a CORPORATE account that EXCEEDS the statute of limitations. However, Vance & Hoffman refused to take it off my credit report when I dispiuted it with XXXX. I have attched a copy of the contract that is in the name of a dissolved corporation. The date that is signed on the contarct is from 2016 which exceeds the statute of limitations. Note that the contract states 13 payments and then 21 months, both exceed the time frame.It is past unreasonable to assume that collection of this account would start after the contract expired! I am following up with the state attorney office, as this should clearly be removed from my credit report. Thi s will be my 3rd attempt to demand Vance and Hoffman remove the item, as it is illgal for it to be there!
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I receive hard inquiries on my credit all the Time from unsolicited companies which negatively impacts my credit when I dispute items on my credit a lot of times they arent taken off in a timely manner which negatively impact my credit and I want to sue
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK (CA)

On XX/XX/year> I made a deposit at East West Bank in XXXX XXXX, CA via a check given to me and they stated they would put a hold on it till the following Tuesday to clear it. Also I transferred {$3800.00} to my XXXX account. 
Today on XX/XX/year> I contacted the East West Bank and was told the check is still on hold, and they didnt know where the {$3800.00} went as they had transferred it to the XXXX account! I called XXXX and they still do NOT have the money so not only {$3800.00} is missing but so is the check I deposited to East West Bank. I spoke with a XXXX XXXX at the East West Bank and he hung the phone on me and he was supposed to be the supervisor! I need help locating my money with East West Bank in the XXXX XXXX branch!
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (CA)

XXXX XXXX accounting department is the problem. I paid the supposedly balance of {$600.00}. I have the canceled checks. 
1. XXXX charged for two XXXX surgeries when they could have did both XXXX at once. I paid {$600.00} for the original XXXX. Some months later I get a bill for another {$600.00} for the second XXXX. I made payments of {$50.00} per month. I noticed on statements the amounts never changed. I wrote and called and asked for updated statements. I never received any updated statements. Once I paid the {$600.00} I stopped sending payments. Some months later I got calls from collection agency. I told the collection agent I was n't going to pay because I had already paid and talk to XXXX XXXX 

Dates of XXXX XXXX XXXX XX/XX/XXXX Date of XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1st Bank of America is the worse amount other major bank to do banking with. 

2nd Especially, with servicing small business 3rd Real scenario, I withdrawn {$2500.00} to pay a client in XXXX, yet find out they only accept Checks, so I wrote the check and leave the CASH in my pocket, and at the end of the day I am dragging my tire body to deposit the CASH back in. However, the check I wrote was bounce. That meant the check goes faster than myself 4th 2nd case, at XX/XX/XXXX I saw there is a check that I wrote trying to go in my SBA acct. which will negative my acct about {$2000.00}. This is at XXXX Pacific time, so I called the SBA direct line, the BOA rep. informed me that I have to bring the CASH in the branch before XXXX, and have to call in to inform them to force it thru without bounce the check. 

Now, all banks open at XXXX so I went to XXXX withdrawn the CASH, go to BOA just a  mile away and deposited at XXXX. 

Then, I started calling the SBA XXXX # from BOA, and also waited in-line for the customer service personnel in BOA, they start service me at XXXX. Helped me calling in their internal banking system, while I still waited with my cell phone trying to get thru. 

They BOA internal people gave the answer to the branch bank " it is passed XXXX there is nothing we can do ''. The banker said they deposited before XXXX just having hard time get thru. 

Now, at XXXX I finally got thru with my cell phone, and asking the same question, the BOA said the same answer, passed XXXX nothing can be done. I told them I deposited before that, and trying to get to you guys ... 

What kind of bank is this .... 

Anyway Name : XXXX Phone : XXXX
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Debt Mediation, Inc. (AL)

The collection agency is collecting for an apartment complex that I rented but I never lived in. I moved into the apartment in XXXX XXXX XXXX and my job sent me to California from XXXX to XXXX to XXXX XXXX. I never moved any furniture in and told the complex that I would be cancelling my lease in XXXX XXXX I knew. I would have to pay for breaking the lease but they added all kinds of fees for cleaning and repairs that could n't have been made. When asked for debt validation, the collection agency just mailed me a lease and a list of charges. The agency also continues to report the debt as late with all three credit bureaus.
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: International Computer Systems, Inc. (MO)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX XXXX and U.N.C.I.T.R.A.L Conventions.