davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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. (NJ)

I believe I have been effected by identity theft. Accounts were opened using my social security number and information without my knowledge. By the time I realized, my score was so low, I could not obtain any credit. This has effected my greatly and I would like this inaccurate information removed from my credit report within 7 days.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank, NA has acknowledged that they have unlawfully opened deposit accounts without my knowledge however, Wells Fargo Bank Card Services however has failed to acknowledge the unlawful credit card accounts opened, destruction of my credit worthiness and continued account takeover fraud despite the overwhelming amount of evidence that I have provided. This is a blatant violation of the CFPB XXXX OCC legislative agreement reached earlier this year. Wells Fargo continues to engage in abusive sales practices, fraud, conspiracy to commit fraud, account takeover fraud, destruction of my creditworthiness and failure to assist me and refusal to reimburse all fees associated with the fraud regarding accounts in my name should be noted and investigated.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Data and Contact Management Solutions, LLC (NJ)

On XX/XX/XXXX a debt collector called an acquaintance of mine in regards to a debt belonging to my deceased father. The debt collector has already been informed by myself that my father passed away in XXXX and has no assets. He is still calling me once a month. Now he is calling acquaintances of my late father to get information about me and my father.
Consumer complaint received 2020-11-10
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. (NJ)

Hi. I made a large purchase of personal computing hardware and software from a couple different retailers. Approaching $ XXXX in total from the end of XXXX into XXXX, 2020. The three credit reporting agencies all dropped my excellent credit score by a significant amount based on these purchases. This complaint is specific to Experian. 

I have excellent payment history with all of my credit cards and credit lines going back 15+ years. I have automatic payments set up from my bank account paying in full whatever statement balance there is every month. I never carry a balance on my credit cards. My payment behavior with my other creditors is similar going back at least 15 years - always on time, always in full except for one piece of property and one car which were financed for a few years, though, both of them are now paid off. 

I called XXXX  about this and was basically blown off. The representative wouldn't discuss the issue with me except to recite that the credit score is based on their system. I couldn't get them to acknowledge what my problem even was.
Consumer complaint received 2018-06-19
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. (FL)

On XX/XX/XXXX and XX/XX/XXXX I disputed 2 accounts with equifax which I have no knowledge of and the dispute came back expired as the creditor never responded but the collections are still on my credit report
Consumer complaint received 2022-07-13
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. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish a account without my written instructions.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/2020, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX. The Agent told me that I have a balance of around {$78.00} on the card. I was surprised about the balance, because I cleared all the balance long time ago and I havent made any purchases on the card in 2020. I strongly believe that Im not responsible for any of these transactions : 1. Without my authorization, it charged membership fee on the credit card for {$19.00} on XX/XX/2020 2. I was not aware of the membership fees, late fees, interests until today. I was in XXXX and theres no access to XXXX between XXXX and XXXX I called them twice this morning and asked for refund, but they told me they would only refund me a late fee of {$35.00} only if I agree to pay the remaining. I thought its super unfair and disagreed. Below is a screenshot of the fees charged without my awareness and authorization : Date XX/XX/2020 Minimum Interest Charge {$2.00} XX/XX/2020 Late Fee {$35.00} XX/XX/2020 Minimum Interest Charge {$2.00} XX/XX/2020 Late Fee {$19.00} XX/XX/2020 XXXX Purchase {$19.00} Total {$78.00} So, it is so unfair to me that Im named to pay for those unaware and unauthorized transactions, including the membership fees, late fees, and interests. I have been maintaining a very good credit score for years, and I always pay loans, credit card bills on-time. I hope you could help me resolve this issue fairly. 
Thanks
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc. (CA)

I made my mortgage payment for XX/XX/2020 on their website having their agent walk me through it. I was told at that time setting up automatic payments would commence XX/XX/2020. What ended up happening was the automatic payments started right away in XXXX, so they took 2 payments instead of one for XXXX, and another automatic one for XXXX. I have called numerous times ( 7 or more ) and been promised a check is in the mail. I am still waiting.
Consumer complaint received 2020-11-10
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. (GA)

Dear Experian/XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-11-10
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. (GA)

Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

I sold an item and was scammed by the buyer. The buyer filed a complaint thru paypal that the package was destroyed and the item was missing. I called USPS and they said the package was delivered in good condition. I provided paypal with the USPS case number but they still ruled in favor of buyer. Paypal charged me {$90.00} refund fee and a {$15.00} dispute fee. Now I have a negative paypal balance of {$100.00} in my account. I called them again that decision is wrong but still say buyer provided proof. I think my proof is more believable because USPS said that the package was in good condition therefore the buyer destroyed it and took the item bit made false claims that package was recieved destroyed and item missing.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing this due to non-compliance with the CRA. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They can't continue to report this negative information because it's false, I'm trying to better my life, and these negative accounts hinder me from doing such. I have filed with the Attorney General as well, I will attach their response to this complaint.
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to the fraudulent investment firm.
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

Hello, AARGON Collection Agency is attempting to collect a medical debt that I am not familiar with or responsible for. Another company has notified me they have a similar collection notice that is not valid. Can I have proof of the debt provided and harassment ended? 

Thank you.
Consumer complaint received 2020-11-10
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 (TX)

After many attempts since XX/XX/2020 to get a refund from XXXX XXXX for airlines tickets cancelled due to covid-19 and the lockdown, on XX/XX/2020 I filed a dispute with Capital One-Dispute No. XXXX for {$300.00}. I sent all the paperwork required by Capital One, but on XX/XX/2020, Capital One sent me a letter denying the refund/chargeback to my account with the excuse that I did not submit a refund voucher ( attached letter ). On XX/XX/2020, I received an email from XXXX XXXX confirmation the refund in the amount of XXXX. Following Capital Ones recomendation, I forwarded the email to XXXX ( Travel Agency ). Since I did not receive the refund by XX/XX/2020, I sent another email to XXXX requesting the status of the refund. By XX/XX/2020 I did not receive the refund from the merchant, so I decided to call Capital One. Capital One reopened the case and sent me a link to submit the so called refund request for proof. Today, XX/XX/2020, and since I have not heard back from Capital One, I called Capital One and XXXX XXXX its representative ) noticed nothing was done on the dispute. She put me on hold for a few minutes, and when she came back to the line, she stated that the dispute was not going to be honored due that the time to dispute was passed. I could not believe what I was hearing, so I asked her to transfer my call to the complaint department. She stated there is NO complaint department. Then, I asked her if there is a phone number for a Consumer Advocacy Office to talk to them before I file a complaint with the CFPB, and she also stated there is NO such office. Not only Capital One is avoiding and not following its duty to properly investigate my dispute with legitimate facts, they are violating the Consumer Protection act to protect me against fraudulent, malicious and unscrupulous merchants who are keeping a refund that is rightfully mine. I am submitting a CHRONOLOGICAL TIME OF THIS DISPUTE. This dispute was presented since XXXX, and as I got the information necessary, I sent it to Capital One in a timely manner. Attached are all the paperwork submitted to Capital One and necessary to support my complaint against Capital One.
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I XXXX XXXX will not dispute the true ownership on debts with Capital One, however, I did go through a very serious medical problem starting in 2017 that is now behind me. This problem caused me to fall behind on several credit items, but now I am 100 % healthy and wish to make amends with my last creditor Capital One. Even though Capital One shows charge off amounts of {$4500.00} and {$2000.00} respectively, those numbers consist of 180 days of penalties and interest applied within the 180-days pre-charge off timeline. This timeline is established under Code 5000 FDIC specifications of debt between standard ad sub-standard debt. In essence both credit cards accrued approximately 22 % extra basis of debt between the last payment date of XX/XX/2917 and the charge off month of XX/XX/2017. Essentially, the basis of both charge cards collectively was {$1400.00} less that the total accrued amount of {$6500.00}. I believe the true basis of debt on the last payment date was {$5100.00}. I therefore offer a one time payment of {$3000.00} or 60 % of basis to settle these accounts in full. I believe this is fair and reasonable. Please reply to my personal email address and by regular mail to my home address so that we can resolve these accounts as quickly as possible. Thank you for your cooperation and consideration in these matters.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (PA)

XXXX XXXX joined our debt management company in XXXX of XXXX. Proposals were sent on XXXX and XX/XX/XXXX and no reply was received and each time we called the representative requested we resubmit the proposal and gave us a run around. This added unnecessary months of fees and interest to my account. This account felt past due at no fault of her own. We are requesting : 1- correctany negative reporting that was a result of failure to notify client 2- refund client fees charged as result of that error
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2019, the lien holder XXXX XXXX XXXX reported to the bureaus that my account was closed ( which it was not ) and added a remark that there was an involuntary repossession ( which it was not ). After speaking with them they advised that no one in the office reported that information ( lies ) So once I disputed it, the account was reopened and the remark was removed. That inaccurate information caused my credit score to decrease 128 pts. I have contacted them multiple times to ask when will my credit score be restored due to the inaccurate and incorrect information being reported ; I was told they didn't know how long it would take for my points to be restored and after requesting to speak with supervisors on multiple occasions I was then told that my score will be restored after 30 days of the closing of the dispute. The closing of the dispute was around XX/XX/2019 and has since been thirty days and no change.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2019, the lien holder XXXX XXXX XXXX reported to the bureaus that my account was closed ( which it was not ) and added a remark that there was an involuntary repossession ( which it was not ). After speaking with them they advised that no one in the office reported that information ( lies ) So once I disputed it, the account was reopened and the remark was removed. That inaccurate information caused my credit score to decrease 128 pts. I have contacted them multiple times to ask when will my credit score be restored due to the inaccurate and incorrect information being reported ; I was told they didn't know how long it would take for my points to be restored and after requesting to speak with supervisors on multiple occasions I was then told that my score will be restored after 30 days of the closing of the dispute. The closing of the dispute was around XX/XX/2019 and has since been thirty days and no change.
Consumer complaint received 2020-11-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Capital Group, Inc. (TN)

I was removed 100 % from an account XX/XX/2020. The loan was from Paramount Capital Group through XXXX XXXX XXXX XXXX. Paramount Capital removed me from this account in full. XXXX has now sent this into collections. I HAVE BEEN REMOVED FROM THIS ACCOUNT. WHY is this being sent to collection if I was removed?
Consumer complaint received 2019-06-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (FL)

In XXXX of XXXXXXXX  the state of Florida was hit with hurricane Irma. The state was declared a natural disaster. My husband and I contacted our mortgage company Planet Home Lending and they advised that we could have our loan modified due to this disaster. We advised Planet Home Lending that we had expenses associated with the hurricane, for example we had no power for over 3 weeks, we had some property damage that did not meet up to the insurance deductible. We were approved for a trial modification after the mortgage company instructed, we need not pay for 4 months. We paid the amount through the trial period and we were finally approved for the final modification. A title search was done, and Planet Home Lending indicated that there was a lis pendens filed by our homeowners association for a {$58.00} per quarter assessment. We informed Planet that we were in litigation with the association because the claim of lien and lis pendens were both fraudulently filed as we paid the assessment. We were advised by Planet Home Lending to continue to pay the trial amount while litigation was pending. In XXXX of XXXX Planet advised us that they could not wait for the title to be cleared up, so our modification was denied citing cloud on title as the reason. Subsequently, our credit was reported as delinquent for more than 90 days and our credit score plummeted by almost 100 points. The denial letter advised we could appeal the denial in writing. in addition, Planet refused to accept any further mortgage payments from us. I did the appeal of the modification in XXXX of XXXX. Planet advised that I needed to resubmit a borrowers assistance package and bank statements. We did as request. Planet Home Lending would call at least 3 times a week requesting extra documents, we complied with the request within 24-48 hours each time. On XX/XX/XXXX at XXXX Planet Home Lending advised us that our mitigation package was complete and is with underwriting and we should receive an answer within 30 days. On XX/XX/XXXX one day after we were told they had the modification in process we were served with foreclosure documents. I contacted Planet Home Lending on XX/XX/XXXX at XXXX wanting an answer as to why we were receiving foreclosure documents when we were in constant contact with them, in modification and not just a new modification, an appeal of the modification request from XXXX. It is our belief that Planet Home Lending deceived us and treated us unfairly. In addition, I believe Planet is in violation of Regulation X, wherein we were in active modification process and then a foreclosure was filed. We need some assistance and guidance. Our credit score is damaged, and we could lose our home. I am attaching a copy of the Modification denial.
Consumer complaint received 2023-03-15
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: AMERICAN EXPRESS COMPANY (IL)

I ordered items from a wholesaler, XXXX XXXX XXXX XXXX XXXX XXXX  worth {$4900.00} and {$700.00} respectively. The seller did not accept direct credit card payments and so I process the payment of my American express card through a payment processor, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 

The seller never shipped the items and did not honor a request for refund. After an internet search I discovered the seller, XXXX XXXX XXXX, operates in such a manner where they collect payment and do not honor orders from customers. I reported this issue to both the payment processor, XXXX XXXX and my credit card provider American Express. However, non of them was able to protect me and I was left to carry the entire burden and risk. 

Complaints from other customers regarding the wholesaler : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

I received my XXXX loan thru chime a month later they suspended my account I sent them info then they closed my account and said Im not eligible for a refund. I tried to call and received a voicemail with no outlet to speak with anyone. Now Im stuck with my bills growing rent food and kids with no money. 
I had XXXX dollars in the spending and a lil in my savings it wasnt a lot maybe 40 something dollars XXXX XXXX 2020 my account was put on hold XXXX XXXX 2020 it was closed stating I wasnt eligible for a refund