davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a secured credit card with Capital One and constantly my payments has been put on hold for them for up 7 days even after opened a checking account with them thats clear the payment in 24hrs the fraud department still placing my credit limit availability on hold I belive because previous I had another account closed by the credit guarantor. My partner has a capital one credit card and this never happens for her every single payment after midnight the limit became available for use so I decided to closed this security account and now the bank has an amount of {$500.00} thats belong to me and is on hold. I want this money because is my money I dont give permission for them to hold my money for 60 up 90 days. I want this funds to be sent immediately to my checking account at Capital One or by Check is ridiculous this policy and I want my money back because more than 30 days has been passed since a closed this account.
Consumer complaint received 2021-07-19
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: Experian Information Solutions Inc. (MO)

Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.
Consumer complaint received 2022-04-08
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)

I contacted the collection agency and credit bureaus regarding fraud and identity theft on my accounts. No one will help. I placed credit freeze on all accounts in addition to complaints. 

{XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX}
Consumer complaint received 2018-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc. (LA)

In XXXX of 2018, I was sent a preauthorized check from Tower Loan for the amount of {$1200.00}. At the bottom of the page, it clearly stated that the amount I would have paid back was {$1400.00}. On the back of the paper with the disclosures, it clearly stated that no insurance was being sold in connection with the loan. When it came time to pay the loan back, Tower Loan called me and said I was approved for an additional {$500.00} to this loan. I did not contact them. I agreed and when I went to sign, they treated me very poorly. Then, next thing I know, they started demanding that owe them {$4200.00}, stating I had signed off on all these insurances I never Asked for or agreed to. I have been harassed relentlessly, and I Do not owe them for charges I never agreed to, especially when it clearly stated on the original loan document, that no Insurance was being sold with then loan. These people are bullies, and have called me at work, at home after XXXX XXXX, and have still contacted me after we went to litigation.
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$XXXX}
Consumer complaint received 2018-07-28
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. (SC)

On XX/XX/2018, I disputed for the second time, a collection account with XXXX and Experian   being reported on my credit report by XXXX XXXX XXXX. On the second request, the account was found inaccurate and deleted by Experian, but XXXX reported it " Verified/Updated ''. On XX/XX/2018 I notified XXXX XXXX of the inaccuracy found by Experian and asked them to either provide documentation of the verification they received or delete the account as well. 

On the XX/XX/2018 update from XXXX, the account with XXXX XXXX XXXX was reported back " Updated '' with no changes to the account, but not " verified ''. This account is still reporting on my credit file. 

The same issue has occurred with Experian. On the same dates as above, I disputed XXXX XXXX account with XXXX  and Experian. XXXX XXXX responded the account was unverified and deleted it. When I notified Experian of XXXX XXXX findings and asked them to comply, they also reported the account verified and updated on their next updated on XX/XX/2018.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

On XX/XX/21 there was an unknown and unauthorized charge done to my account with chime bank. I have only a virtual debit card no actual physical card. I reached out to chime and they said they were unable to do anything since it was a pending transaction. On XX/XX/21 the transaction posted I then again reached out to them and they filed a dispute and stated that someone would reach out to me on XX/XX/21. On XX/XX/21 no one reached out so I called them and they said I needed to resubmit my paperwork which no one ever told me they never received and they assured me that they would issue a provisional credit for the charges. They are unable to provide me any details about the company that charged my account for {$100.00}. I asked them for a name and a number for that company and said they dont have any information. I resubmitted my paperwork and XXXX who refused to give me an employee number or anything to identify him said he would issue a credit and that never happened. I then called again and spoke to a floor supervisor XXXX who told me Im ineligible for the credit. I asked to be provided the contact information for someone higher up like their ceo or board of people and they refused. I have tried to resolve this matter and now they are saying they will have a resolution by XXXX XXXX which is XXXX months. That is unacceptable.
Consumer complaint received 2018-07-28
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. (FL)

this is in reference to the non-response by experian to complaint # XXXX CFPB complaint XXXX. 

experian has refused to remove fraudulent reporting. in the latest complaint ( XXXX ) responded with a diatribe of irrelevant noise that they copied-pasted from their own website THAT DOES NOT ADDRESS THE PROBLEM - FRAUDULENT USE OF CREDIT CARD BY SOMEONE ELSE ... that i have now provided proof to exprian 11 times.
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc ()

Hey, thanks first for your great service i have a problem with Paypal, the problem is : paypal limited my account on XXXX XX/XX/2020, and they told me in the email that Money in my PayPal account may be held for up to 180 days to cover potential future claims, such as chargebacks filed by your customers then the rest of the money i can transfer it to my bank account after 180 days. 
today i login to my account to see that all my balance transferred to paypal without sending any email of noticing me ( balance of XXXX Transaction ID : XXXX ) i called them this morning so they can refund me the money they take they said that they take all my money because my business caused them a damage when i asked them what kind of damage so i can understand more they have got no answer for that. 
and also they were charging me XXXX at every charge back saying damage caused by chargeback ( Transaction ID : XXXX XXXX like this transaction. 
so please if there is anything you can do to help me solve this and get my money back ill be grateful to you. 

account information : paypal email : XXXX company name : XXXX XXXX Full name : XXXX XXXX XXXX XXXX Phone : XXXX XXXX thank you again for your service again.
Consumer complaint received 2018-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company (PA)

This is the fax I sent to the Commercial Acceptance Company who has been repeatedly harassing my house with repeated calls To whom it may concern : For the past year your company has been harassing my mother who is now deceased and now the calls are continuing by being left on the answering machine because I am a XXXX XXXX and never home. 

Your representatives or collection agents are always looking for a XXXX XXXX or a XXXX XXXX who possibly had this phone number years upon years ago the phone number is XXXX My name is XXXX XXXX I live here at XXXX XXXX XXXX in XXXX Pennsylvania XXXX. 

If you want proof of that please send a self-addressed envelope to that above address and I will enclose a copy of my XXXX phone bill proving to your company that there is no XXXX XXXX or XXXX XXXX in any way related to that above reference phone number Furthermore I want your company and all of its Representatives or collection agency to cease and desist all further phone Communications to phone number XXXX immediately or I'm going to start a lawsuit against your company for harassment If you wish to speak to me my cell number is XXXX you can reach me at that number anytime to discuss this matter Respectfully, XXXX XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$550.00} Balance updated XX/XX/XXXX Filed dispute for ID theft. Investigation was not done.
Consumer complaint received 2023-01-18
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
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. (VA)

I do not recognize this account, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2021-02-27
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. (IN)

This account was opened through identity theft prior to me being of legal age. My ex step father opened this account I believe ; however not certain. I didn't find out this account existed until my XXXX birthday. I have tried on several occasions to have it removed by XXXX XXXX. Each time they claim it is a valid debt although I clearly was a minor.
Consumer complaint received 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

This has already been paid off they took it out of a CD I had and paid my credit card with it so I don't owe any balance for his and the USAA rep told me to dispute it so it can get taken off. 



Alert Date XX/XX/2017 Source XXXX Company USAA SAVINGS BANK Payment Status Over or At Credit Limit Status Date XX/XX/2017 Balance {$280.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, TX XXXX Not sure what this is? Contact XXXX
Consumer complaint received 2018-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

I opened a new checking account as required in XXXX advertisement on XX/XX/2017. I met the requirement for more than nine months but have not received the signup bonus of {$200.00} so far. Also, my account was closed for no reason this month.
Consumer complaint received 2020-12-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (CO)

Macy 's credit services has innaurately reported a missing payment states from XX/XX/2018. When this first appeared, I spoke with customer support regarding the issue and they resolved it immediately. This was due to an error with their payment system stating a successful payment even though there was a server error. The system was also showing my actual address but they were sending mail to an address that was two years old - which means I was not properly notified about the payment issue until well after. I had email billing notifications on and they failed to acknowledge this, and still sent physical mail to the over two year old address. The support team agreed to remove this negative report after I successfully paid the amount due over the phone. This is having a negative impact on my score and when I inquired most recently to remedy the situation and even close my account, I was denied doing so.
Consumer complaint received 2018-07-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (AZ)

Trying to move XXXX account to another financial institution. Transfer Request was sent by fax on XX/XX/2018 to XXXX. Called XXXX Bank 10 days later to see if the check had been sent to the other institution. XXXX  Bank had no record of receiving any fax. Sent another fund transfer request to XXXX Bank on XX/XX/18. Contacted XXXX  Bank and talked to XXXX on XX/XX/18 to make sure that they had received the fax. XXXX told me that the only way to be sure they received the fax was to call the following day after the transfer request was entered into the system. I called on XX/XX/18 and talked to XXXX and was told that I would have to call back on Monday XX/XX/18 since it takes XXXX hours to have transfer requests entered into the system. Asked to talk to a supervisor, and after being on hold for XXXX minutes I was disconnected.
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (MI)

I have called 7 times or more re this issue. Complaint was supposed to be resolved on last call about 2 weeks ago. Re : returned item to store. I was given a gift card for the return, which I used a few weeks later. Also, a returned coat that XXXX had at their pickup location since XX/XX/2021. XXXX was supposed to return item to store. Nothing more I can do. This is wasting my time. I do not owe them any money. All interest charges were to be removed. None of this was my fault. Returns were completed within time allowed. I will not call them again. I will never do an online order with them again. Too many XXXX people workiing there ... Don't like to do business with companies that are inefficient AND dishonest with customers!!!
Consumer complaint received 2021-05-30
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 (OH)

On XX/XX/2021 I contacted Capital one and asked for my annual fee of {$39.00} to be waived due to not being able to work the past 3 weeks because of COVID. To which I was basically told Capital one is offering no means of help to card holders in these rough times. The representatives were rude, unbothered and inconsiderate stating " Maybe they can push off the charges to another month. '' I don't know if I'll start back work next month I don't even know how I'm going to pay my utility bills. I wasn't even asking for my charges to be waived just their ridiculous annual fee that I don't have the money for. It's ridiculous I've been a customer for 5 years of on-time payments, never had to ask for something like this before and this is how I'm treated. After the card is cleared I'm canceling the account, cold hearted company.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

First they put multiple first six numbers on the accounts XXXX .thats on my credit reports. same things on report, trying to get me to pay on bankruptcy bills. XXXX XXXX XXXX  had two but one was misspelled and dont excised. XXXX is one company XXXX. I want proof of the bills. Next is portfolio debt collection that phone number is XXXX they are the ones over XXXX XXXX XXXX. Im very XXXX and I never lived in the city where one bill is
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (CA)

I received a misleading email about an Apple/Goldman Sacs credit cards stating that it would not affect my credit. I applied and they did a hard inquiry which WILL affect my credit. 

I am in the middle of a refinance so this could jeopardize my ability to maintain my rate. I am really upset. It was clearly false advertising.