davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Called Capital One Customer service on XX/XX/2017, to take advantage of 0 % APR for 12 months with a 3 % balance transfer fee. 

I did 3 balance transfers. All 3 were posted on XX/XX/XXXX. 

XXXX Card for {$7500.00} XXXX Card for {$9200.00} with 3 % fee at {$270.00} XXXX Card for {$5200.00} with 3 % fee at {$150.00} The XXXX Card Balance Transfer for {$7500.00} was erroneously done at 21.90 % purchase interest rate. After 2 billing cycles of " research '' and no call back to myself, Capital One claims they " listened to the call '' and that I had agreed to this interest rate. 

I have done multiple transfers at 0 % on the SAME call ... Capital One is relying on trapping me in a moment of weakness on a phone call that had 3 separate terms and conditions read to myself, including 2 at the proper 0 % interest rate. 

Please reach out to Capital One and research that phone call, and find out what it is they are doing to correct this issue. This ends up being {$1600.00} issue over 12 months and Capital One reaps the benefits of slimy phone behavior. 

Thank you. 

-XXXX
Consumer complaint received 2023-01-18
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. (NJ)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be updated or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (IA)

In XXXX my now deceased husband XXXX XXXX, paid off a line of credit loan with US Bank on our home at XXXX XXXX XXXX, in XXXX XXXX, Iowa XXXX. 
At that time US Bank sent him a letter acknowledging he satisfied the loan, it was dated XXXX. 
My husband XXXX died unexpectedly on XX/XX/XXXX. 
We purchased the home in XXXX. The first mortgage on the house was sold to XXXXXXXX XXXX long ago. After my husband of 46 years who had worked at XXXX XXXX for over 44 years died, I couldnt afford to pay the first mortgage with XXXXXXXX XXXX as my only source of income was and is my monthly social security check. 
After my husbands death in XXXX, my dilemma at that time was to either let XXXXXXXX XXXX foreclose on my home or try to sell it. The real estate market in XXXX in XXXX XXXX Iowa was stagnant. The house was built in XXXX and needed some work. 
In the fall of XXXX a XXXX VA Veteran who needed to live close to XXXX XXXX bought the home from me on a land contract. 
For the last five years the contract buyer has paid me, almost to the penny,  the exact amount of the monthly mortgage payment that I owe to XXXXXXXX XXXX. I then turn around and pay XXXX. 
Last month the VA agreed to give my contract buyer a VA loan for the home, allowing him to lower his monthly payment. He was approved and everything proceeded. 
Then a title search revealed a lien placed on my XXXX home by US Bank in XXXX was never released. Even though I have the letter stating that the loan was satisfied back in XXXX, US Bank will not send through a lien release to XXXX County Iowa. 
I have contacted a US Bank CSR at XXXX several times in the last week and they keep telling me that they have turned it over to a supervisor for review. They, US Bank, advises me to call back the next day, then the next day, same story every day. 
I am a XXXX year old widow living on social security and Im beginning to believe US Bank is discriminating against me by delaying releasing this old loan. Either US Bank has lost the loan paperwork or lost the money my husband sent to pay off this loan in XXXX. It has been over eleven years now and they are still refusing to release the lien or speak to me or my buyers lender. 
I have spoken to others who have had a line of credit with US Bank in XXXX through XXXX, and some before the banking crisis in that period, and several have said they have had the same troubles with US Bank not releasing liens on old loans and lines of credit.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX, the unknown debt on my TransUnion report was disputed and TransUnion had verified as accurate that the last payment was made on XX/XX/XXXX and the balance of {$3300.00} was reported correctly. The same year i requested mulltiple times to provide me the description of procedures that TransUnion 's used when they verified the accurancy. They never send me any description, as required by the law. 

After I notified the The Federal Trade Commission of the possibility of Identity Theft, they prepared for me a recovery plan to follow, step-by-step. XXXX of the steps was to notify TransUnion. 

On or about XX/XX/XXXX after TransUnion received my letter, they blocked this account. After 208 days, on XX/XX/XXXX, TransUnion sent me a notice that they just completed the investigation and they verified it belongs to me, and they reinserted it back to my consumer file. 

The information regarding this account were modified with different values. For example, The balance had dropped down, but the last payment is still XX/XX/XXXX. Please see the attached letters and the results of the investigation. I requested TransUnion to investigate this, and as of today, they still haven't responded me how come this got different balance amount now, when TransUnion verified the old balance was accurate? Since the reinsertion, I sent in total 7 letters pointing to this incorrect, not logical information. 3 were sent to the CEO of TransUnion. Neither I got description of ingestions. neither the account got deleted.

Please direct TransUnion, to provide me : 1. the last payment was made on XX/XX/XXXX. Then how did they verify the balance of {$3300.00} in XXXX was accurate, and how did they also verify as accurate the balance of {$3300.00} showing in XXXX? 

2. Why did it took 208 days to complete the investigation when they reinserted back this account?

3. What documents did they review when they concluded i am not victim of identity theft, and that i received benefits, money, goods, etc.

4. Did their investigation include the consideration of my special rights as a victim of identity theft? 

I really want to learn the methods of the procedures that were used when transunion verified the questions above as accurate. Mostly because the information that the Creditor has in his file don't match with the results of TransUnions investigation, and in a good faith I directly contacted the Creditor to solve this problem, and we both have entered into agreement that this balance is being reported incorrect. In addition, this incorrect reporting by TransUnion, made few creditors to deny me credit, and inability to obtain loan.
Consumer complaint received 2021-11-29
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. (CA)

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. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-01-09
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 (OR)

My payment is due on XX/XX/2022, so I logged on to the Capital One website and set a payment today, at about XXXX Pacific Time. When I logged in, my account showed I had been charged a {$29.00} late fee already today, despite my payment being due today. 
I felt this was unfair and a way for Capital One to exploit customers that are faithfully trying to make their payments on time, but can not rely on automatic payments. 
I called Capital One to ask for the late fee to be waived. After waiting on hold for 45 minutes, I was able to speak with a representative. 
The representative did not agree to waive the late charge and stopped responding mid call, pretending he could not hear me, and then the representative from Capital One hung up on me.
Consumer complaint received 2021-10-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. XXXX Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX CO Account Number : XXXX Please remove it from my credit report. 

12. XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. PORTFOLIO RC Account Number : XXXX
Consumer complaint received 2018-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (IL)

Im not sure about the debt. I dint even know what address this debt belong. I wrote original creditor and asked for signed contract but couldnt show one. I dont owe this debt and never knew where this cane from not mine. Perfect collection will not take off my credit report fir a XXXX account that I never signed up for. I have resided at my address for 6 years
Consumer complaint received 2019-06-09
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. (MA)

I am a veteran who was being treated at the XXXX XXXX XXXX XXXX in XXXX, Massachusetts ; the VA found it necessary to transfer me to a private hospital. The VA called XXXX XXXX XXXX , XXXX to transport me to XXXX XXXX in XXXX, less than 4 miles away I will add, and apparently XXXX charged {$4300.00} for that ride ( I ought to challenge the outrageous bill as well, as no medical services were rendered, merely a XXXX mile ride ). The VA covered my hospital stay, and should have covered my ambulance ride. XXXX XXXX XXXX ought to have billed the Dept. of Veterans Affairs ; notwithstanding, the VA is responsible for this bill, not me. 
Meanwhile, it has gone into Collections via XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, MA XXXX USA for {$4300.00}.
Consumer complaint received 2018-10-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies regarding identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its been well over 60 days.
Consumer complaint received 2021-10-24
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: AMERICAN EXPRESS COMPANY (NC)

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. AMEX  Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. XXXX  XXXX Account Number : XXXX
Consumer complaint received 2018-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NC)

XX/XX/XXXX I opened an account with you folk approximately 2 months ago and funded it through transfers {$1400.00} and {$600.00} respectively ( see below ). You sent a confirmation as to receiving these funds. I believe it was on XX/XX/2018 Coinbase drafted an additional {$1000.00} from this account which was totally unauthorized ( theft ). I've been trying to get the funds back now for over 8 weeks to no avail.  The emails continue to say our investigation is underway which is nothing more than stalling. With the millions you, as well as Coinbase have made with these cyber currencies, why in XXXX would you refuse to return a paltry {$1000.00}? Oh, I know as I related to XXXX XXXX that I'm a XX/XX/XXXX-year-old XXXX XXXX and the targets get bigger each day on seniors especially if you happen to be XXXX. XXXX XXXX, I have literally begged these people to put the money back into my checking account and they keep stalling ; I'm aXXXX-year old senior whose income is less than {$1500.00} a month. I need my money, what little I have. Please help me Below are the actual bank drafts from Coinbase which shows  the unauthorized draft of {$1000.00}
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (FL)

This complaint is in regards to the XXXX XXXX prepaid card offered by NetSpend. I've earned XXXX XXXX miles for each of last 4 months, and they are suppose to post the reward to my XXXX account each month. However, this has not happened. NetSpend charges {$85.00} annual fee for this. It's a complete switch and bait. I've contacted them multiple times since XXXX, nobody ever follows up with me.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I sent XXXX a letter over 30 days ago and have not gotten a response in regards to all of the incorrect information they have reporting on my credit. They have incorrect addresses, and jobs that I wrote to have deleted and they are still there. No response no letter no nothing.
Consumer complaint received 2022-04-28
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. All three Consumer Reporting Agencies ( XXXX, Experian, and XXXX ) are violating my Federally Protected Rights. Everything has to be 100 % accurate on my Consumer Report.

See the attached Tri-Consumer Report with Various Inaccuracies.Further, I demand each Account and each Consumer Reprting Agency to produce the Written Consent that I signed and agreed to allow them to Place ANYTHING on My Consumer Report. WITHOUT IT, THEY ARE ALL IN VIOLATION OF MY PRIVACY AND FEDERALLY PROTECTED RIGHTS Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602A. States I have the right to privacy. 15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I submitted multiple complaints with the XXXX  and the Attorney Generals Office. These Collection Agencies are volating my rights and costing me dearly.

To continue reporting these Accounts after this would be another Violation. 

Willful NonCompliance 15 USC 1681n I will seek monetary relief.
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (VA)

I was called by a local number XXXX with an automated message advising me my credit was in jeopardy and to call XXXX. I know most of these types of calls are scams so I was a bit skeptical when calling the XXXX number, located in Georgia. 

Once i got on the phone with a representative, she advised that it was not her responsibility to refresh my memory about a debt. I then asked if she could please send me some type of documentation. She advised if I requested documentation, she would mark me as a refusal to pay and it would hit my credit report, and then the main company " XXXX '' would have to contact me and work out a payment. I advised her that I never refused to pay, that I was only trying to confirm this wasn't a scam. 

At this point we are arguing back and forth so I asked her to please pass me to her supervisor. She stated, " You only want to speak to a supervisor because you don't like what I'm telling you ''. I advised that she was incorrect and that I am also certified in FCRA and that I no longer wanted to speak with her. She advised she would place my call on hold indefinitely and mark my case as a " refusal '' and it would hit my credit. 

I then hang up and called back. Everytime I called back someone would pick up the phone and say " please hold ''. 

I changed numbers and called from my office phone and reached a lady that stated she was a supervisor. I advised the situation and she stated she would work directly with me. 

Please investigate this predatory practice.
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

In XXXX I submitted a dispute online to the credit bureaus to dispute a claim from XXXX XXXX XXXX. The collections company is XXXX XXXX XXXX. They have constantly called me and as I checked my credit report I noticed the dispute was never answered. So I contacted them on XX/XX/XXXX and verbally disputed the claim. I received a letter in the mail from them dated XXXX XXXX, XXXX that they were needing additional information from the company and needed additional time to contact me of the results. On XX/XX/XXXX I contacted Warfield to inquire if they had heard from the company. The told me they had not received a response. I asked how long before they waited until they considered my case founded. The company claimed I owed them money for damages to an apartment that I gave early termination notice of the lease, but paid the lease in full for the month prior to vacating, AND I did a walkthrough video of the condition of full apartment. Since I paid the rent in full for the month I still had possession of the keys. When I went back the appliances had been removed from the apartment. I questioned the management and they said they needed for another apartment. I later received a bill in the mail for damages, which I disputed then and now. I still have the still pictures and the video of when I vacated the apartment. To date they have been noncompliant with trying to resolve this matter in removing this false and negative collection from my report. The confirmation # Hunter Warfield gave me is:XXXX
Consumer complaint received 2023-04-04
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. (CA)

There are ( 6 ) student loans being reported under XXXX  XXXX XXXX reporting inaccurate late payments. It clearly indicated on my credit report XXXX  PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE XXXX. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE XXXX  PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT DUE.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

They forced closed my account supposedly in XXXX but cant give me reason to a debit with withdrawal for XXXX from XX/XX/XXXX First they said it was the irs who took it back Now they dint know and its was a long time ago