davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I currently have fico scores of XXXX XXXX, XXXX XXXX, and XXXX XXXX. My reports show perfect payment history and XXXX old collections, both of which have been paid in full. Repeated attempts to obtain a basic Capital One card have been failures, except the approval for a secured card which I recently closed due to this issue and I do n't need another secured product. General internet searches show that my credit file and scores exceed Capital One underwriting requirements for a basic card. I work with a person, I have seen his credit file multiple times as he has asked me to help him resolves some issues, who has lower scores plus multiple negative accounts, plus XXXX medical collections and a federal tax lien. This is factual information. Based on this and XXXX extending me XXXX in retail credit ( they use the same reports CAP ONE does ) and my credit file profile, I believe Capital One is participating in discriminatory lending. I come to this conclusion because no other rational reason exists for the denial in credit. While I understand I am not specifically entitled to anything, by extending credit to individuals with lower scores and credit profiles, capital has violated my rights as a consumer and FCRA guidelines. Credit Pulls Database shows scores of individuals with credit scores in the high XXXX being approved for a basic Capital One unsecured cards. I can provide documentation to support my claims about my score, credit profile, payment status, credit utilization, etc. I talked with CAP ONE executive resolutions and they said one reason for denial was high balance? number of unpaid balances. Less then XXXX of my available credit has a balance and my utilization is below 15 % consistently. Once again, based on their claims and my knowledge of my credit, I believe I am being discriminated against. Thanks for your time with this matter.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

I have a Citi card and am due a refund as part of the XXXX settlement reached with regulators. I received a letter from Citi dated XX/XX/XXXX advising me that my refund check had been sent, but not cashed. I called them on XX/XX/XXXX and was told they would send another check and to followup in 3 weeks. 

I never received the 2nd check either. I called Citi yesterday and there is no answer at the XXXX # provided. I called the regular customer service number and was told there was nothing in my history about the refund. I was told a manager would call me back by XXXX XXXX, but I never got a call. 

I want either the check, or the money applied to my account balance.
Consumer complaint received 2019-03-05
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. (FL)

On my Equifax credit report they still have a inquiry from XXXX XXXX XXXX XXXX  XXXX XXXX this inquiry was done due to identity theft your company took off XXXX XXXX XXXX  so why not this one too? XXXX XXXX still has XXXX? Still one here on my credit report after 90 days. Still have not taken this inquiry off.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

After the massive cyber attack that released millions of citizens ' personal data to an unknown source due to the Equifax 's neglect and mismanagement of operations for their own personal benefit, I am appalled to see that the Company is stonewalling facing their responsibilities to mitigate damage to the people they have endangered, and that our elected officials are allowing this. 

Equifax announced that they would allow people they placed at risk to place freezes on their account at no charge. BUT, after trying to place the freeze on two different days, I repeatedly received a message : System Currently Unavailable - Error 500. 

This after I entered my social security number as required to place the freeze. The message goes on to list the names of other credit bureaus where freezes can be placed, ( but at a cost to the consumer ). Then it states : " Thank you for giving Equifax the opportunity to assist you, '' when, obviously, they provided no assistance at all in this critical matter. Are they so dumb or intentionally rude? 

Equifax should immediately be ordered to provide freezes for all consumers for all credit agencies at no charge, for as long as required to resolve this issue, using a protected and monitored methodology.. Americans deserve protection from thieves ; not just babble.
Consumer complaint received 2022-04-07
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. (GA)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2019-03-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT)

On XX/XX/19 I sent an international money transfer of {$260.00} through Moneygram at a XXXX location. On XX/XX/19 the receiver my stepmom went to pick up the transfer and was told it was returned. I contacted moneygram and discussed in details the receiver and the reason for sending and was told that there is nothing they can do as it was returned at random based on their financial policies. I asked for the matter to be escalated as the money is for medical expenses for my father but the agent refused and said there is no other point of contact or nothing else they can do.
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XXXX 2015, during a business trip, my Capital One CC was comprised. Almost 1k in transactions appeared on my account. Until recently, I was satisfied with Capital One 's resolution. Apparently, during the fraud investigation, my account was inadvertently credited twice for the fraudulent charges. At that moment, I nor, Capital One caught the error. Capital One caught the error and sought to resolve which is their right. However, its been 5 months since the original occurrence and I thought it a closed matter. How Capital One handled the error, is the reason this form is being filed. On XXXX XXXX - the purchase adjustments were made to my account. At first glance, when I reviewed my account, I thought the card had been comprised yet again! It was only after speaking with the customer service representative that the issue ( as described above ) was revealed. He advised a letter was sent to me on XXXX XXXX, 2015 advising of the adjustment! My ire stems from the fact, they should have notified me BEFORE any adjustments. Its been 5 months and to just randomly charge someone without knowledge is more than a little inappropriate. Never mind, there was XXXX transaction that was later determined to be legitimate. It was adjusted on my account on XXXX XXXX, 2015. I have now paid 2x for this service due to this error.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IL)

Starting XX/XX/20, paperwork was submitted to my employer ( XXXX XXXX XXXX XXXX, aka XXXX ) for a new 403 ( b ) account. Wells Fargo ( WF ) was instructed to release funds in the approx. amount of {$6700.00} from an existing IRA account to be rolled over into my new 403 ( b ) plan account at XXXX XXXX. 

On XX/XX/20, confirmation was received from employer that a TPA ( Third Party Administrator ) had submitted the paperwork to both financial institutions. XXXX confirmed receipt of paperwork. WF did not. The TPA is XXXX XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX XXXX, FL XXXX, XXXX : XXXX opt. XXXX, Toll Free : XXXX opt. XXXX ) On XX/XX/20, I asked my employer for the status of my request, since the funds had still not been rolled over. A week later, XX/XX/20, XXXX contacted me to confirm some details of my information. XXXX says they faxed the documents to WF. Then nothing happened, no updates, and no funds rolled over. 

On XX/XX/20, I contacted WF, who claimed no paperwork was received. WF rep indicated they needed the paperwork mailed, not faxed. I relayed that communication to both XXXX and XXXX and instructed them to mail the paperwork to the address WF indicated ( Wells Fargo Bank IRA Processing Document Capture COE/Document Management, XXXX. XXXX XXXX, XXXX, NC XXXX ). 

On XX/XX/20, I reached out again to XXXX  and XXXX for an update. The Business Office Director at XXXX, XXXX XXXX, and I called WF directly at XXXX, but were placed on a long hold and couldn't remain on the line. XXXX was able to confirm receipt of the doc packet by WF on XX/XX/20 by way of USPS tracking # XXXX. 

On XX/XX/20, XXXX 's rep XXXX and I initiated a conference call with WF to inquire on the status of the request. We were told once again no paperwork was received. The WF rep said he'd open an investigation to track down the paperwork packet. 

On XX/XX/20, WF rep " XXXX '' contacted me via email, indicating their research would be completed by XX/XX/20. 

On XX/XX/20 WF completed their investigation ( case ID # XXXX ), and maintained no packet was received, despite USPS tracking # indicating the opposite. 

On XX/XX/20, XXXX and I once again reached out to WF. Another rep said acknowledged receipt of doc packet but couldn't explain why the funds have not been released. She said she'd inquire and call back with an answer. 

On XX/XX/20, I called WF for an update. A rep named " XXXX '' now claimed paperwork had not been received, directly contradicting the prior rep. She said she'd inititate yet another investigation and call me back personally with the results. 

As of XX/XX/20, no results have been produced and no call back from anyone at WF. The funds remain unreleased.
Consumer complaint received 2019-03-05
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. (MA)

Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Complaint Description : I paid off my student loan in full that is from 2004! Well past the 7 year minimum for reporting on my credit. When I call XXXX or mail them asking them to remove the false information they post again like they are getting back at me! After paying off my student loan from 2004 ( 15 years ago!! ) I have called XXXX countless times and have sent letters asking XXXX to please remove their repetitive damaging marks on my credit reports stating that the loan is 120 days late again and again! I have told them to please comply with the fair credit reporting act and have informed them that they can not keep reporting a debt after 7 years and especially after I have paid it in full and have provided them proof of such payment. XXXX just acts arrogant and high handed and nearly every time I complain they just post it again to my credit report as 120 days late!
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

I have been using my fully verified PayPal account daily for months without any issues whatsoever. I was using it primarily as a means to deposit to my XXXX  XXXX, and withdraw winnings, both actively encouraged from PayPal and bookies. Legal and advertised. I had withdraw several times small winnings whenever I won. Yesterday I won big and tried to withdraw XXXX. After 24 hours they limited my account with a reason and froze my money. Obviously hoping to hold onto it. I made the exact same transactions many times just for lesser amounts. It's just this time I made a withdrawal of XXXX and they limited me. Who knows why?
Consumer complaint received 2020-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (MD)

Around XX/XX/XXXX I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX. The letter states there client Pendrick Captial Partners has purchased my debt from XXXX XXXX  and they are attempting to collect it for them. The debt amount is for {$1000.00}. On XX/XX/XXXX I responded with a letter requesting more information about this debt including receipts that where already paid towards the debt. The tracking shows this was received by XXXX XXXX on XX/XX/XXXX. USPS # XXXX. On letter dated XX/XX/XXXX XXXX XXXX responded with a XXXX  document showing amount owed and no proof of any previous payments. On XX/XX/XXXX I responded to XXXX recovery with a copy of the receipt to XXXX XXXX showing account was paid in full on XX/XX/XXXX. I requested XXXX XXXX to notify all parties that this debt is paid in full and requested to end all communication with myself. USPS # XXXX. On letter dated XX/XX/XXXX, XXXX XXXX sent another letter. This letter was similar to the original letter. XXXX XXXX never acknowledges receiving the copy of the receipt showing paid in full. XXXX XXXX is again currently trying to say if I don't acknowledge this debt within 30 days of the date then they assume its valid.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-23
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. (FL)

I got a credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct this error and only received 1 notification back after that no other response was made to me.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

I received this card as a reward for purchasing XXXX XXXX dog food. The card expired on XX/XX/2018. According to the cardholder agreement, although the card may expire, the funds never expire. I contacted XXXX on XX/XX/2018 to receive a replacement card, which per the cardholder agreement, would be sent free of charge because it wasn't lost or stole, but expired. I was told during said phone call, that this card expires and the funds expire, despite the two documents stating otherwise.I also have been trying to file a complaint through this website since XXXX, but have been getting a constant error message.
Consumer complaint received 2022-02-02
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: LEXISNEXIS (NJ)

On XX/XX/2021 & XX/XX/2021, I contacted Lexis Nexis via certified mail asking them to validate how they received information on a bankruptcy that they are reporting on my credit report. I have not received anything In writing as to how they validated this information they are reporting on my credit report. The federal law requires them to respond within a 30 day window and they did not. I also contacted the Bankruptcy Court myself and they told me that they do not furnish this information to any credit reporting agencies. 
Please help me with this matter!
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Moore Law Group (CA)

I am trying to refinance my house which was passed on to me from my deceased mother. 
My mother passed away in XX/XX/XXXX her estate went through probate. Everything was cleared. 
Now I get a notice from the credit card company, XXXX that in XXXX I opened a credit card ( which I did not ) and its blocking me from refinancing my house cause some how they tied it into my mother house which became mine in XXXX. The amount is {$14000.00} I asked for proof that it was me and they didnt send me anything but a letter saying they conducted an investigation and everything is as it should be. 
The other thing is in XX/XX/XXXX I was not even in America so how was this card made? 
I tried to tell them it wasnt me but they are not even listening especially to a debt from 21 years ago
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

I reached out to this company several times, most recently XXXX XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, asking for proof of the debt and debt amount. I have received a statement from the collection agency each time that I send a letter, but not the original contract or itemized statement of amount owed from the original creditor. I have also disputed with the credit bureaus asking them to validate the debt, and it has remained the same each of the three times that I have disputed the validity and accuracy of the debt.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Transunion Transunion sent me a letter dated XX/XX/XXXX( File number XXXX ) claiming that my recent request for an annual credit report was denied since I had already been provided a report this year. I called the toll free number provided today the XX/XX/XXXXand the first call sent me to a request to enroll me in an emergency alert program. I responded no. Then it reported that I had won a caribbean Cruise. I hung up and tried again. I was cut off 3 times before I was placed in a que. The fifth connection kept me on hold for 11 minutes and 4 seconds and the voice message asking me to press a button to keep connected became unintelligible, so I hung up. 
What I wanted to know was why they believe I already asked for a report. I have not contacted Transunion for more than 10 years. I have opened a new savings account recently, so maybe the bank asked for my report. But does another agency asking for my report make my personal request null and void? That would make no sense and would not let me check on who has been asking for my credit report, possibly for nefarious reasons. Please advise. ( I can not scan the letter. )
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BB&T CORPORATION (KY)

Over the last 14 months I have been paying {$210.00} of which {$9.00} has been deducted from my payment, in XXXX of this year I called for a payoff and was given the runaround, First by a rep named XXXX and since then everyone else. I am now receiving letters from 3 debt collectors agencies all asking for the same debt and three different amounts. 

I have asked for a payment history and was told NO, I asked for an account audit and was told No and finally received a letter stating my payoff balance was {$5300.00} and because I had already paid {$2600.00} but was told I only had {$2500.00} available after {$100.00} had been taken as a fee on top of the {$9.00} fee I pay monthly so I sent a Cashiers Check for the balance owed on XXXX/XXXX/19 of  {$2700.00} which should have paid my balance in full, instead I am told that {$2500.00} of the {$2500.00} has been applied toward fees owed to the debt company and only {$84.00} will be applied to my balance on top of the {$9.00} paid monthly. And I still have A REMAINING BALANCR OF {$190000.00}, The company representatives especially XXXX ask very personal questions that are rude, insulting and offensive, I have paid {$530000.00} now I owe an additional {$1900.00} to three separate companies that are involved IT IS NOTHING MORE THAN HARASSMENT WHICH NEEDS TO STOP. 

As a veteran of this great country I am asking for your help in resolving this debt issue promptly, thank you.
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CARD Corporation (CA)

I just received an unsolicited " XXXX XXXX XXXX XXXX '' from " XXXX XXXX. '' of South Dakota, licensed by VISA, asking me to activate their debit card. When I called the number to complain and cancel the unsolicited card, the automated answering service asked for my Social Security Number. It reeks of fraud, and possible identity theft. The website they provided is CARD.com.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-03-05
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. (HI)

I clicked on free credit score which eventually asked for {$1.00} to activate thus process. No where else did it say I would have a monthly charge from then on/ and monthly once getting that report, and why would I need them after getting that score? My bank statement showed in XXXX a dollar charge, and following that each month for {$39.00}, which was never stated anywhere I would be billed. I'm not one that looks at my bank statement, and live on a very limited income, but when my XXXX/ XXXX bank statement show I had innsifficient funds, charged a {$30.00} fee, cause I was still unaware Im being charged for somerhing I'm unaware of. I don't even know who this is, being not even familiar sounding like the credit score site. 
This is the only info. On my statement I have : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX