davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear consumer Finance, My name is XXXX XXXX XXXX I recently, obtained a copy of my TransUnion Credit Report for 2018. I notice on my credit report that, XXXX / XXXX had stated that, the court house verified my bankruptcy at the court house. So, I wrote to the court house to confirm the information about the " verification '' made by XXXX / XXXX statement on my Trans Union Report., See attached Documents A week later, I received a letter responding back to me saying this -- " Please be advised that the U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files ''.

The letter, also went on to say -- " As indicated on the Court 's website, the Court receives many telephone calls about bankruptcies unfairly appearing on consumer credit reports. The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. '' I then sent a certified letter to ALL the credit reporting bureaus, XXXX XXXX, XXXX and XXXX a copy of the letter from the court house to show them  the evidence -- that the courts, do not verify information for credit reporting companies. 

I asked the each credit bureau to " remove the information - that is untrue " they are reporting on my social security number. I also so told them -- by law the Federal Law they are in violation of the Fair Credit Reporting Act - Section 623 ( a ) ( 3 ).

I have written to asked them to remove the fraudulently information from ALL my Credit Reports.

Please assist me in correcting the information on ALL my credit reports, XXXX XXXX, XXXX and XXXX. 

Sincerely, XXXX XXXX XXXX XXXX, See Attached documents.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello, Paypal blocked my account without any reason and he blocked my money for 180 days and did not leave me access to my money and I am going through a difficult financial period and this affects my life and the lives of my family members. Please help me to get my money back as soon as possible. Please help me thank. 
My paypal account email : XXXX XXXX
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OK)

I saw this pop up on my credit report in XXXX but i do not recognize it at all. I have reached out to the company as well as Experian and XXXX  on XX/XX/21 to see whats actually going on. It has been 45 days and nobody has given me any answers as to whats going on. This is causing me stress and i thought it took 30 days or they had to delete it. Its causing my credit to hurt and i can't get approval i dont reconize it and nobody has validated it.
Consumer complaint received 2020-11-22
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 (WI)

This relates to a CapitalOne Visa Signature Account ending in XXXX. 
After many years of use I cancelled this account in XXXX or XX/XX/XXXX. I called and cancelled this and another card. The last bill I ever got was for the period ending XX/XX/XXXX. 

In XXXX, XXXX CapitalOne paid a merchant for two purchases one in the amount of XXXX and one for XXXX. 

The website shows no statements from XX/XX/XXXX to XXXX, XXXX because the account was cancelled. 

I did not realize this happened until XX/XX/XXXX when i opened a bill from Capital One. They had apparently unilaterally resurrected the account and billing in XXXX, XXXX. I spent several hours on the phone with them. One of their representatives told me the account was actually cancelled in XX/XX/XXXX and " this makes no sense. '' Finally they agreed to contest the payment with the merchant, but they did not do so, as best I can tell. 

The merchant is XXXX XXXX XXXX in XXXX Wisconsin. the total of the charges was XXXX. 

Now CapitalOne wants late charges and interest. 

I owe the merchant who mistakenly submitted a cancelled card. I did not authorize the use of this card. I had specifically cancelled the card. I will make it right with the merchant to whom i have spoken. 

CapitalOne can not charge me for a cancelled card. Then they agreed to fix it and did not.
Consumer complaint received 2021-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report and they haven't responded in over 30 days.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (MI)

- On XX/XX/2021, I called BBVA about a discrepancy in my checking and savings accounts. As their representatives confirmed on the phone, I made a mobile transfer of {$1600.00} from my savings account to my checking account. When I accessed my account yesterday, the transfer showed up on both ends, showing a balance on each account reflecting the transfer. 

- Before the transfer my savings had about {$14000.00}, after the balance was about {$12000.00}. 

- Today, the transaction does not show up on either account. Yet, my savings balance is still around {$12000.00} and my checking account balance does not seem to account for the transfer and stands at {$1300.00}. 

- When I called BBVA, the first representative confirmed the transaction and that my balance should be about {$2900.00} ( thats what he said he saw when he read it on his end ). He then transferred me to another representative who investigated the issue and initially agreed with my assessment, but then contradicted me later after speaking with someone else at BBVA.

- I called again, the first customer service rep then could not help, and " transferred '' me to someone else, who hung up on me before saying a word. 

- As it stands, Im missing {$1600.00}.
Consumer complaint received 2021-05-26
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: General Motors Financial Company, Inc. (NY)

I started a dispute with XXXX  regarding a dispute with GM financial XX/XX/2021. I paid my lease on time and handed the car back. I showed proof to both Gm and XXXX  that my car was returned and the loan was satisfied. 7 months later I was billed the disposition fee which I included the dated bill and proof to both companies. The not only did they not correct it but destroyed my car buying credit. I have sent multiple request to correct this since XX/XX/2021. Please help They noted I was late from the time the car was returned, up until the disposition fee
Consumer complaint received 2021-05-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NJ)

This is the second time I am filing a complaint against my mortgage servicer- Loan Care llc . The first time was recently and Loan Care never actually responded. Since around XXXX of XXXX, I have been trying to take advantage of the lower interest rates. I tried refinancing with several other companies and was advised, though my credit rate is excellent, I dont make enough money to get a lower rate. I then went to Loan Care. They advised me to first apply for a refinance, which I did. I sent all the documents required in a timely manner. I was again rejected because my debt to credit ratio was a bit to low. I was then sent to their loss mitigation dept in XXXX of XXXX. I have been again sending all required documents requested in a timely manner, several times. I had a feeling they were purposely making it difficult because they didnt want to treat me in a fair manner. Finally after 5 months of going back and forth with them, I was told on the phone they dont do loan modifications if my account is not behind. I asked why did it take 6 months to tell me that? I requested that decision in writing. A few days ago I received a letter saying I was denied because I didnt send my documents on time. That is an absolute XXXX. So, I need to know what my next step is. I will be contacting XXXX XXXX who own this mortgage as well as the XXXX XXXX XXXX. I am stuck with a mortgage rate much higher than the current rates. I filed for bankruptcy in XXXX of XXXX and eventually got my credit rating back up to excellent. Must I again file for bankruptcy// I really dont feel I should have to. I know part of the current care act XXXX XXXX  offers Flex Modification programs. I dont care what you call it, I should be able to take advantage of the current lower mortgage rates. My credit is excellent, but I am on a fixed income. I need to be treated fairly and honestly and Loan Care llc refuses to do that. Please help!!! My current age is XXXX. The house I live in has been refinanced several times and I even was one of the first people to get a loan modification through President XXXX making home affordable program, even though it tookl two years and a bout of shingles. i was never late then either. i know i fall into the financial bracket where a flex modification program would fit me perfectly. my equity is not enough for a reverse mortgage yet. THOUGH MY MORTGAGE IS NOT BEHIND, IT IS A CONSTANT STRUGGLE TO KEEP UP WITH IT. I thought that was the purpose of a flex modification, to avoid getting behind. LOAN CARE LLC, IS A HORRIBLE COMPANY to deal with. The absolute worse I have ever dealt with. I will also file a complaint with the XXXX. I WONT give up until I get what I should. l want LOAN CARE LLC TO ACT in good faith-either refinance my mortgage to a lower rate or give me some type of help until I have enough equity to get a reverse mortgage.
Consumer complaint received 2022-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX Attention : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX bank, and XXXX card. My name is XXXX XXXX I was born XX/XX/XXXX. There are several accounts on my credit report that I did not open. These accounts were open prior to me reaching the age of XXXX old. Each time they are disputed on my credit report, or I call your agencies you refuse to remove them. I did not open these accounts, nor did I charge the products on these accounts. I was underage at the time. I am also handicap with an intellectual XXXX and communication disorder. I read at a XXXX grade level often needing assistance from others to complete paperwork. Please remove those accounts from my credit report immediately. I did not open these accounts nor charged any products on these accounts. These accounts remain on my credit report as bad debts or closed accounts and should be removed in their entirety. 
Accounts XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe $XXXX. How I could owe $XXXX when I never received the card in the mail.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

I had 2 card cards from Citibank. XXXX XXXX and advantage card. I had XXXX XXXX  for 29 years. It is my first card and it is very special to me. I never had a problem and my balance is XXXX  and I pay always on time. The second card is a new card I applied for it because XXXX XXXX had an offer with citibank that If applied for the card I will get XXXX Air miles. The second card had also XXXX balance. When I called citibank they told me that we closed your account because you applied for many credit cards in a short period. I did apply and I had my own reasons ( example : I applied for XXXX credit card because it has the same offer with XXXX XXXX ). but if all my credit cards and department store cards which are around 28 cards has XXXX balance. My available credit or amount to spend is over {$110000.00} and my credit score is over XXXX then I do not see a reason to close my Account under the excuse that I became a risky person. For a loyal customer for 29 years I deserve at least a phone call before closing the account. Or they could reduced my credit limit to lower amount but closing them in this way it 8s totally not respectful. As a result of citibank action my XXXX limit best buy card was closed. This one has a XXXX balance too.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

XX/XX/XXXX I made a payment to pay my XXXX XXXX account. The payment was not received. I did not have to make a payment over the phone amid this because I filed a complaint over the phone with XXXX XXXX. Upon calling the investigation of the XXXX XXXX took two months. During this time I waited and did not make any payments because I was told that the payments we 're going to be refunded and plus I made the payments. I just waited for those reasons to make the payments. The result was that XXXX XXXX lied, and what happened when I called the bank about this was the dispute took two months. After filling the complaint there was nothing left to pay because I made the payment. XXXX XXXX charged me for two months nonpayment and then charged me a late fee as a result. The next billing cycle I called to get a PO box for the payment and was given a PO box number. I set up my bill payment to go to that PO with XXXX XXXX and that was it. I began getting calls a month into the next billing cycle about nonpayment and the calls did not end for two weeks. The calls ended in XXXX upon a XXXX dollar payment through XXXX XXXX bill pay. Once the update about the payment not going through was recieved, XXXX XXXX, said they never received a payment for my XXXX XXXX account. I asked why were n't the payments received. They told me that they did n't receive the payments because of the bank. This was the second time in four months they used the same tactic to get the money before the business month ended. I end up paying XXXX dollars the XX/XX/XXXX and the payment was set to arrive the XX/XX/XXXX. Initially, I the payments were n't received and XXXX XXXX charged me another XXXX dollar late fee. Totaling XXXX dollars again for failure to pay. Over a year 3 years this company has done this to get the money before the end of a payment cycle. My credit has been devasted due to late charges from XXXX XXXX.
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

I keep getting letters and phone calls from a law firm named XXXX XXXX trying to collect a debt for midland funding I have no idea what this debt is and they have not provided what the debt is also midland funding is a debt collection agency i do not have any outstanding debt with any companies and want the phone calls and letters to stop
Consumer complaint received 2021-05-26
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. (MN)

XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX A report has been filed with FTC. Please remove the inquiries in this dispute Thank you for reporting identity theft to the FTC. 
This is not your temporary password. Your temporary password will come in a separate email. 
Your reference number is : XXXX I recently received a copy of my ( Equifax XXXX credit report and I notice there is an unauthorized/fraud credit inquiry made by XXXX the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.
Consumer complaint received 2021-05-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BCA Financial Services, Inc. (NJ)

I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally XXXX Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2021-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my Trans Union credit report and noticed my score dropped XXXX points due to XXXX XXXX being added back to my report without any notification from Trans Union or XXXX XXXX. I advised Trans Union that this account is in litigation and that it needed to be removed. Trans Union removed the account and XXXXdays later they added the account back with no notice. This account is still in litigation. This is causing me to have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. I am in the process of applying for employment and hope to be purchasing a home also. I demand this account be deleted immediately.
Consumer complaint received 2018-02-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PNC Bank N.A. (FL)

On XX/XX/2007, I purchased a Certificate of Deposit from XXXX XXXX XXXX XXXX XXXX located in XXXX, Florida XXXX. The Account # is XXXX. The Amount is {$10000.00} Interest 4.780 for a term of 7 months. ( copy attached ) also have the Deposit ticket for {$10000.00} ( copy attached ). 
While going thru my safe recently I found these items in the back of the safe. 
XXXX XXXX has been taken over by PNC. I went to PNC about two weeks ago and was told that they have NO record of this CD. I would like to cash the CD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (AZ)

Received debt from collection bureau of america, stating i had a ticket from XXXX, I paid the full amount to not have any issues since I have good credit. Company refuses to email/fax or mail letter stating that bill was paid in full and account closed. Called company several times with a lie being told that they have email letter, but never receiving it, company took the money but wouldn't provided an proof stating that account is closed and paid. Attached letter from company with confirmation number showing that payment was made.
Consumer complaint received 2021-05-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (NJ)

They contacted me as XXXX XXXX regarding a medical debt saying I owed XXXX XXXX XXXX, however I sent them.a copy of my explanation of benefits stating I did not own that dr any money. Therefore there letter could not be validated. A month or so later I recieve another letter from I guess their partner company.A month or so later I get another letter from Medi credit aboutthe same {$93.00} Debt this time with a different date of service as the initial information was incorrect.After getting into it with XXXX XXXX and his Manager. I called XXXX XXXX XXXX XXXX and asked did I owe any money and paid them directly.The debt collectors knowingly having this information back dated the dates and reported this information to my credit report unlawfully.1 because I did not have a contract with them.2 because they never validated the debt. The collection was removed from my report after I disputed it, The better business bureau put it back a monthXX/XX/XXXXFCRA law Violation see attached
Consumer complaint received 2021-04-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a dispute to the credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) name and have not received a response back or any results
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.