davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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: SYNCHRONY FINANCIAL (CO)

On XX/XX/XXXX, I purchased an elliptical bike from a merchant, XXXX, using Paypal Credit/Synchrony Bank , for the amount of {$1700.00}. I received the bike damaged and missing parts. I contacted the merchant, who would not honor their warranty or resolve my issue. Emails and phone calls to the company went unanswered. I then disputed the charge through Paypal Credit/Synchrony Bank for the qualifying issue, " Dissatisfied with the quality of the merchandise or service, or it was damaged. '' I originally filed the dispute on XX/XX/XXXX, within 180 days of Paypal 's policy. My dispute has been denied and closed out repeatedly for " contact the merchant for resolution, '' which I've tried to do. I have talked to many customer service reps who have had the dispute re-opened for review, only to have it denied for the same reason over and over again. I spoke with another customer rep who instructed me to send all documentation through Paypal Credit 's XXXX XXXX XXXX for review. On XX/XX/XXXX, I sent all emails between myself and the merchant, all photos of the issues, phone records between myself and the merchant, record of transaction/invoice, a copy of the merchant 's return/warranty policy, and I also faxed this information to XXXX, as instructed. I uploaded the fax confirmations to Paypal Credit 's XXXX XXXX XXXX as well. 

On XX/XX/XXXX, my dispute was denied for the same reason. If they were to properly review the documentation provided, they would find that I have a legitimate dispute. They are not properly reviewing my documenation and they are not honoring their buyer protection policy.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

Dear CFPB, I am reaching out in desperate measures to bring to light the way my file is being handled. I have an account listed on my credit report that was NOT me. I have been writing the credit bureaus and the company for the last 4 months or so with no avail. I have explained the problem and also included all necessary documentation such as FTC affidavit and the police report. This is extremely time-consuming and becoming costly with letters and running to the police station. I am writing this complaint to effect immediate change. The following accounts are opened fraudulently. I never give consent or authorize these accounts. I only discovered these accounts upon speaking to the mortgage officer. I never receive any collection notices about these accounts. XXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$620.00} Here are the accounts I have been writing about. I did not open these accounts and I did NOT receive any money or services. I did not sign these applications and I am unfortunately suffering for these accounts being on my credit. I requested both the creditors and the credit bureaus to stop reporting this account. The account is still reporting. My request was pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. The fraudulent information is still on my credit report and I bring this to your attention. Please review why the companies are neglecting to remove this information as it is extremely damaging.
Consumer complaint received 2022-10-12
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (CA)

XX/XX/XXXX : I began receiving calls from Santander ( they didn't tell me the name of the company then ). The caller told me that I had a debt and that I would be served to appear in court if I didn't make payment arrangements immediately. I told the caller I needed to research the source of the debt. He called back within a week ( same person ) and I told him that I don't owe anything and that they should stop calling me. He kept insisting that I was going to be sued and that the next day a process server would show up at my door. 

XX/XX/XXXX : My brother received a call about my debt, which he forwarded to me. I called them and told the person who answered ( different male ) that I didn't owe on the debt and that they needed to stop calling me. He told me that they'd keep calling until I paid. 

XXXX - XX/XX/XXXX : Received 4 more calls to my cell phone and one to my work number, still insisting that I was going to be served if I didn't pay or agree to settle the debt. I called again and asked them to leave me alone. The woman who answered was rude and kept telling me that I can't avoid this debt. 

XX/XX/XXXX Received this e-mail from Human Resources : Hi XXXX, Our HR Offices have received a message that was requested to be passed on to you. 

XXXX & XXXX XXXX are trying to reach you regarding service of some sort of documentation. They request that you contact them at XXXX and reference case # XXXX. 

This is the only information that they provided us with. 

XX/XX/XXXX I called the number and the man on the phone was horrifically XXXX XXXX XXXX to me. I asked him politely for the name of the company and he refused to tell me at first. I asked for the address to send a letter to stop contacting me and he told me that he wasn't going to give it to me because I wasn't going to be able to avoid paying this. He asked me if asking for the address was the next step on the avoiding my debt checklist. He called me a " XXXX  who owes money '', a " XXXX  '', told me to get a higher paying job, made a point of using the name of my employer, my XXXX XXXX XXXX  name and my home address while insulting me. 

He refused to give me the address for Santander and it was only after I asked several times that he finally told me the name of the company. I reminded him that there are laws about debt collection and he just can't keep contacting me after I've asked him to stop. He kept telling me that they'll continue to contact me until I pay this debt. 

I'm confident that I don't owe them anything. The time limit has long since run out. Regardless, no one has the right to XXXX  me over a debt. I don't want to hear from them again. I'm willing to sue if necessary. 

Please help me. 

XXXX XXXX
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper cleared our check for the next year 's mortgage payments ( {$25000.00} ) and has failed to have the amount posted to our account. We have received no explanation for what happened to the funds. 

On XXXX XXXX, the following email was sent to Mr. Cooper via email : Good Morning, My check [ # ] dated XX/XX/XXXX for {$25000.00} cleared my bank account on XX/XX/XXXX for monthly payments from XX/XX/XXXX to XX/XX/XXXX. I was told to contact this address to get the amount posted to my account. 

On XXXX XXXX, the following was sent via email : This is a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing to get my payments from XX/XX/XXXX to XX/XX/XXXX paid by check [ # ] for {$25000.00} and cleared my account on XX/XX/XXXX to post to my account. 
Attached is a copy of the check. 
My email sent yesterday has not been acknowledged or responded to. 
I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days.

Account No.... 

On XXXX XXXX, we were given a POC [ XXXX ] from the " executive resolutions team. '' He was " still working on it '' as of XXXX XXXX and has not responded to further emails as of XXXX XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My Experian, XXXX and XXXX reports show ( 2 ) address that are incorrect : 1. XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX 2. XXXX XXXX XXXX, XXXX XXXX, GA XXXX
Consumer complaint received 2022-01-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (MI)

My father died about 4 years ago this was his home and I lived here when he died me and my family moved here. and I got a loan modification which worked until my wife abandoned me and covid 19 killed my business. Midland Mortgage had a suspended payment plan. I signed up the put me on delayed payment very good I lose business have to pay other bills and divorce hurt my income so they take me off of the plan tell me to apply for a loan modification I do from the start to finish this company have not tried to help me its been miss filing info info repeated denial 's and many mistakes i have sent the same proof of income XXXX time so with the latest drama disapproved again the reason this time my income dost match but they never give me a chance to say i can afforded it just constant no and i have recovered some what enough to pay XXXX on my bill and XXXX a month they offer no help for the present situation that is caused by covid. midland mortgage engage in under handed tics to take homes. i have sent forms such as income verification one after another only to receive no offer I have even ask if i can make a large payment to get help they said no she don't know.
Consumer complaint received 2021-05-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX stating that they were calling to collect on a debt that is owed to Cash Central. I paid this balance to XXXX XXXX XXXX in XX/XX/XXXX after they contacted me saying that they had purchased the debt from XXXX XXXX and were now owed the debt. Every month I have had random companies calling harassing me for this same debt and I want to know why Cash Central has sold this debt to all of these companies. Half of the companies that have called me can not be verified and Im worried who has my info ( social security number, date of birth, etc ). I have received calls threatening a lawsuit from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and now XXXX XXXX XXXX. Why do companies keep calling me about this debt when it has been paid? I explained to representative with XXXX XXXX XXXX that the debt had been paid and he told me that I did not pay. He then proceeds to argue with me and tell me he hopes I enjoy the phone calls. No, I do not enjoy being harassed! I have the paid in full letter and bank statements that show where the money came out of my account. I will not be paying the debt again. Stop contacting me.
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Received the paycheck protection plan loan ( ppp ) and Capitol on has had a gold on my account for over 4 months. Even after I have filed multiple accounts and have contacted them multiple time. And only information they give me is that they are preforming and Investigation.
Consumer complaint received 2021-05-12
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. (IL)

As indicated by the attached copies of letters and mailing receipts, XXXX  have been delivered by certified mail numerous dispute letters as well as a follow-up letter, dated as far back as XX/XX/XXXX. As of this moment, XXXX have not done their duty mandated under the law. The inaction in this matter is inexcusable, and the disregard for the law is contemptible. 

As you are well aware, federal law requires a response within 30 days, theyhave failed to fully update my Credit Report accurately. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter. I further reminded XXXX that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised XXXX  on ten separate occasions, more than 75 days and again 40 days ago : XXXX Account number XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-07-07
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. (CA)

I have requested an investigation on my credit report from the XXXX, TRANSUNION and XXXX regarding possible fraud accounts on my credit report, and they have not sent me information on investigation status or accurately verified information regarding these accounts. I would like theses accounts removed if there is any incorrect or missing information as it is injuring me commercially. Per, The Fair Credit Reporting Act and 15 U.S.C Sec.1681i ( a ) if these accounts are not 100 percent accurate then I can have them removed.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In an effort to improve my credit, I deposited {$150.00} with CapitalOne, for a " secured credit card '', XXXX XX/XX/XXXX. The original credit limit was {$300.00}. 

XXXX XX/XX/XXXX, CapitalOne automatically increased the credit limit to {$600.00}. XXXX XX/XX/XXXX, an additional non-secured account was opened, with a {$500.00} credit limit. 

I have an " exceptional payment history ''. 

My requests to remove the security requirement, and / or reduce the interest rate ( currently at 23.74 % ), have been denied ... because of " algorithms ''. 

CapitalOne 's policies are contrary to the stated purpose of " second chance credit '', and equate to " predatory lending ''.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MO)

When applying for an Apple card, they won't accept a valid and current U.S. passport ( or a military id ), which is the most accepted form of identification in the world. I'm sorry, I didn't fake my passport somehow.
Consumer complaint received 2021-08-28
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021, I Sent a wire transfer of {$3000.00} to my brother XXXX XXXX. I sent it at XXXX EST under the impression it would be sent same day due to their website stating if wire transfers were sent before XXXX, they would be processed and sent to the recipient the same day. If sent after XXXX, it would be the next day. It's XXXX EST on XX/XX/2021, and the transfer has not arrived to his account. I called XXXX XXXX and spoke with XXXX. I explained to her the issue and stated I paid a {$30.00} fee to have this service send money the same day. XXXX does NOTHING to help the situation and tries to provide me with the FED reference number saying the recipient needs to track the money. I told her I did not call for the reference number as it's stated online already. I called to see where my money was at because I paid the bank for the service. If the service wasn't going to rendered, I want a refund and a reversal of my {$3000.00}. I told her I could have used XXXX XXXX service for same day. She said wires take up to 24 hours ; I told her that's not the issue ; the issue is the false advertisement on the banks site that DOES NOT have any small print that tells you how long the transfer can take. It just says same day. Screen shot attached. I told XXXX the call was being recorded due to her inability to assist. she hung up the phone at that time. 

XXXX transferred me to XXXX, a XXXX male who stated he was a supervisor. After tell XXXX what occurred, he refused to assist claiming he could not verify my account. I asked him several times to send the text for verification to my personal cell number as I was on my business line and it was trying to call me while I was on the phone with him. I did not want to switch over because I did not want to lose the call with XXXX. XXXX refused to verify my account and did nothing to remedy the situation. 

I spoke with Chase Bank yesterday XX/XX/2021 and they verified the money was indeed reversed and returned to XXXX XXXX on XX/XX/2021. 

As of today, XX/XX/2021, i finally received a reversal but there was {$40.00} missing. Apparently Chase bank stole my money because of their mess up. I WANT MY MONEY BACK TODAY. I am not waiting anymore days or hours for your inadequate employees to do their jobs correctly. 

I have sent this to the Florida attorney general, the federal attorney general, and XXXX. I have also submitted complaints to CFPB, left bad reviews on XXXX, XXXX, XXXX, XXXX and of courseXXXX XXXX. 

I am getting other clients together who have published complaints on CFPB and XXXX  website to possibly get a class action lawsuit against your bank for theft.
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (CA)

I initiated a domestic wire transfer from my credit union to CITI Bank. The teller who input the data inadvertently placed an extra 0 at the end of the receiving account number. The receiving bank ( CITI ) rejected the wire and returned the funds, however, they kept {$40.00}. Not only was I charged the wire fee by my bank, but the receiving bank also charged me, all for an error that I didn't make. CITI did not make it known what they charge for incoming wire refunds.
Consumer complaint received 2021-05-12
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. (CA)

This account resulted due to identity theft. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Only Equifax has been reported this account on my history.
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (TX)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX on XX/XX/XXXX 2. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2019-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX