davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2021 are you tempted to pay my utility bill whats the balance of {$3900.00} with my personal capital one quicksilver card. The card had a XXXX balance and was paid off and understanding for nearly 20 years. Credit card declined my charge without notification to me via phone or email even though they have all my current information on file, and upon calling them I found out that they put a restriction on my card. They then demanded that I send them a copy of my drivers license front and back, my Social Security card, and a current utility bill proving my home address. Although this request was made over the phone and they said that they would send an email requesting the documents for upload I never received the email in the system that was some sort of scam. 
I have another account with capital one bank that I used to run my XXXX XXXX. The account is also in good standing and is paid off every single month, I do not carry a balance. Without prior warning or any kind of notification in writing or via email, the business account was also restricted. After several phone calls to the United States and non-United States fraud department, I was not able to get my card reinstated and they are impeding my XXXX. They stated that their turnaround time is 7 to 10 business days in order to lift the restriction from my card. I did not have any fraud and I am the one who made the charge. I am not sure why the accounts were linked other than they are both under my name but are completely independent of each other and get paid from separate checking accounts. I demand that these people have a policy that can help resolve fraud transactions in less than seven days, Especially for a business card. Furthermore it is not acceptable that my personal account and my business account were linked despite them being completely separate entities.
Consumer complaint received 2022-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MD)

The mortgage servicer US Bank Home Mortgage has failed to accept the complete submission and review for Mortgage Assistance to XXXX XXXX XXXX. XXXX XXXX XXXX application was deemed received as of XX/XX/XXXX, at which time additional documentation was requested by the due date of XX/XX/XXXX. ( See attached document from US Bank ). US Bank Home Mortgage did not allow XXXX XXXX XXXX the promised time to complete the application; instead, US Bank Home Mortgage entered a sale date of XX/XX/XXXX 30 days from the date of the mailed letter. 

2 ) XXXX XXXX XXXX honored the request and provided the requested documents by XXXX. 

3 ) US Bank stated the application would be accepted on XX/XX/XXXX and on XX/XX/XXXX stated that the sale date of XX/XX/XXXX had been placed on hold and the application was being reviewed for modification. Later in the day on XX/XX/XXXX, it was then stated that the sale date was not canceled, and the file was denied. 

4 ) US Bank Home Mortgage improperly started the foreclosure process prior to the customer, XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect. 

4 ) In addition, this constitutes dual tracking, based on US Bank Home Mortgage providing correspondence that stated that file would be reviewed for mortgage assistance programs ; however instead of being reviewed, sale date was entered for XX/XX/XXXX and file was denied and US Bank is attempting to force illegally force a foreclosure sale date to press sale date of XX/XX/XXXX.
Consumer complaint received 2021-05-24
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. (AZ)

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond since the end of XXXX when I first sent in my letter.. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41 , et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.For your benefit, and as agesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry:XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-29
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX for, {$930.00} 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 an account without my written instruction. 



In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX for {$140.00} 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 instruction. 



In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX, XXXX XXXX for 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. A section 604.A.2 It also states a consumer reporting agency can not furnish a account without my written instruction. 



In accordance with the Fair credit Reporting Act XXXX  account # XXXX XXXX XXXX bord for 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.2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (NJ)

Back in XX/XX/2021 I contacted Pnc bank about a dispute from an airbnb that scammed me while I was away on vacation. The XXXX charged me XXXX for the stay and when it was time to check in the XXXX host did not answer. Pnc refunded the funds, and the within 90 days the funds were taken back from my account. There was fraud and the account was closed, but the dispute could not be re-opened and I lost an account I had for 14 years.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

Experian, XXXX and XXXX is reporting inaccurate Exempt amount numbers and liability amount on my credit file it does not match my records. all companies have responded that the investigation has been completed. however i believe that no REASONABLE and PROPER investigation has occurred due to these violations.

Furthermore, the companies failed to mark the account as disputed violating 623 ( a ) ( b ) these companies continuously has failed to validate this account further violating FDCPA 809b
Consumer complaint received 2024-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Over ten years ago I had a mobile phone with XXXX which I had paid in full and in XXXX they were acquired by another mobile company. In the past several years I made sure my credit reports are clean of any derogatory accounts and last week I noticed that I have a discharge/collection from JEFFERSON CAPITAL SYSTEMS which is over 10 yeas old and it shouldn't be on any of my credit reports. Jefferson 's phone number is ( XXXX ) XXXX and their address is XXXX XXXX XXXX, XXXX XXXX MN XXXX Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

XXXX, Equifax and XXXX is reporting inaccurate Exempt amount numbers and liability amount on my credit file it does not match my records. all companies have responded that the investigation has been completed. however i believe that no REASONABLE and PROPER investigation has occurred due to these violations. 

Furthermore, the companies failed to mark the account as disputed violating 623 ( a ) ( b ) these companies continuously has failed to validate this account further violating FDCPA 809b
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

I received a demand letter from MRS XXXX collection company. The demand letter is for the amount of {$19000.00}. This collection debt is not mine and does not belong to me. I will not pay this debt.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (KS)

I get {$1000.00} deposited on the XXXX of every month. 

XX/XX/2021 - deposit {$1000.00} XXXX- atm withdraw {$200.00} ( authorized ) XXXX- attempted to pay my water bill online and was declined. 
I called direct express to check balance. Which was approximately {$50.00} So I checked transactions. 

XX/XX/2021 - atm withdraw ( UNAUTHORIZED ) {$600.00} @ XXXX XXXX atm withdraw ( UNAUTHORIZED ) {$200.00} @ XXXX AFTER discovering the fraudulent transactions I talk to customer service and file a dispute on both transactions. 

Direct Express mailed me disputed forms ( received forms in mail XX/XX/2021 ) to complete and I was given a fax number ( XXXX ) to return completed paperwork. 
FAXED BACK TO THEM : XX/XX/2021 XXXX- Filed a police report with XXXX police department . 
CASE # XXXX I have tried to call EVERYDAY since XXXX and verify that they received my fax and keep getting transfered then on hold for 2-3 hrs. 
Then hung up on. 

XXXX- received a letter from Direct Express Stating that my disputes were denied and they were authorized. 

NO THEY ARE NOT AUTHORIZED. I CALLED THE BANK THE TRANSACTIONS TOOK PLACE AND WAS TOLD THEY COULD NOT ACCESS THE ATM CAMERA HISTORY??? 
PLEASE HELP! ALL BUT {$200.00} OF MY MONTHLY INCOME WAS TAKEN AND MY BILLS ARE GOING TO COLLECTION
Consumer complaint received 2024-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (TX)

I received an alert on my credit report in XX/XX/XXXX, after viewing, I saw a medical debt. I XXXX  the XXXX named on my credit file and I had never been there. I never received a bill or any type of debt collection. This is to remain on my report until XXXX. So I tried calling the collection company and I gave them my name and last four of my social security and they didnt have me in their database so I disputed it with the credit bureau . It remained. This company has to either be a scam, or someone stole my identity. I have been at the same mailing address for over 10 years. So this is false. I never even visited this place before. I was a member of a county XXXX  and always went there for any XXXX that I had.
Consumer complaint received 2024-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (KY)

Two days ago I opened a venmo account to receive payment from something I sold. I have tried and tried to use this money or transfer it every way, and even asked support for help which did nothing at all. Now I need my money bad and can't just sit and wait an indeterminate amount of time for MY OWN MONEY, to be cleared for transfer so I can actually use it.
Consumer complaint received 2020-11-25
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. (OH)

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My balance on XX/XX/XXXXon my Capital One credit card was {$490.00}, credit limit on the card is {$500.00}. I made a payment of {$490.00} on XX/XX/XXXX prior to the end of my billing statement to pay the entire balance off. Later that evening I confirmed with my bank that the payment was made. On XX/XX/XXXX I checked my bank account and it stated processed and had cleared payment to Capital One. I then received an email from Capital One on XX/XX/XXXX at XXXX thanking me for my payment that stated that my payment has been posted. On XX/XX/XXXX at XXXX I contacted Capital One because my account stated a {$0.00} balance but also stated {$0.00} available credit. When I called the recording stated the same information about my account and that they have received and posted my payment on XX/XX/XXXX for {$490.00}. I spoke with two people one named XXXX XXXX and both stated that they can release the available hold once payment had cleared and when I told them its cleared through my bank and they emailed me stating its posted I was told that they would call my bank and be on the line as I confirmed my information on who I was and then ask my bank for banking information to confirm the payment has been processed. When I told them I would not allow them to contact my bank and be on the line as I went through the security process to prove who I was and I would not allow them to hear my personal banking information they stated the credit would not be available until Saturday XX/XX/XXXX. I brought up all my paperwork I had received from Capital One about the credit agreement, that I have paid on time each month for over 6 months being with them, I have never had a payment returned, and that the agreement states when the payment is posted the available credit is then available. My issue is they are holding the balance payment until the end of the cycle which will then report to the credit bureau that I utilized 98 % of my available credit and it will charge me 24 % interest on a balance of {$490.00} next month because he said the balance would not have cleared prior to end of billing cycle. How can they hold my payment once out of my account for 5 days until after the billing cycle ends, zero out my balance for the next billing cycle, charge me interest when they payment was removed from my account 4 days before end of billing cycle, report the high credit utilization to the credit bureaus, and breach the credit contract of available credit when they have the payment in their system days before. When I make the minimum payment or anything under full payoff they have never withheld it or the available credit for 5 days.
Consumer complaint received 2020-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019, I made a direct deposit into my landlords account from my checking account. This money was for my rent at the time ( {$1700.00} ) XXXX XXXX XXXX XXXX dollars. 
My landlord contacted me a few days later to tell me that the money was rejected for insufficient funds. This was not true. The money was indeed in the bank, and too, it was processed by Chase Bank. 

I have been in contact with my bank ( XXXX ) numerous times over the course of these past few months. 
After reviewing my case XXXX determined that the claim of insufficient funds was incorrect, that that would reflect on my account, which it does not. 

XXXX opened an investigation with Chase Bank but Chase refuse to send the money back to me, nor was my landlord given the monies. 
XXXX sent me a letter after me calling them time and time again and sending them a letter wanting to know what was happening. 
They are leaving me to handle the situation. They told me I need to go to Chase Bank to try and resolve this issue, as they attempted to retrieve the monies but were denied. 
It is beyond belief that a bank steals my rent money and refuses to give it back, then I am expected to go them to ask for my money back. 

My bank ( XXXX XXXX can do nothing more at this point. They said that the letter should be enough proof to show that I had the money, Chase bank took it and are denying the return. I am at my wits end and have contacted every agency that I have been directed to by the Attorney Generals Office.

The last being the Office of the Comptroller of the Currency directed me back to you.
Consumer complaint received 2018-02-07
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. (OR)

After previous help from the cfpb on this XXXX account being reported as delinquent on my credit report the collection line was removed and there hasn't been a problem. but six months later as of XX/XX/ 2018 my fico credit score dropped 100 points because this XXXX account is being reported again in a way that shows a delinguint balance. there is no way for me to pay this balance or to pay XXXX  any monies towards this account as they lost the class action suit with the cfpb and were directed not to enter the credit line and not to recover any payments towards accts. as I stated my fico score has not been impacted since the cfpb took steps to help me 6 monthes ago but as XX/XX/2018 it started coming up as a serious delinquency again. so I would like your help with XXXX  reporting this line once again when there is no way for me to satisfy.
Consumer complaint received 2021-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

My credit score dropped suddenly. TransUnion reported a XXXX account as delinquent. Their investigation should have confirmed that XXXX never sent me any billing information for the alleged debt, though they had my address, email, and phone numbers. Nor did the debt collector ( who never answers the phone or calls back ) send any information. TransUnion records show that XXXX was never listed as delinquent 30, 60, 90, etc. ( I would have noticed ). Their own records show NO previous payments, despite 16 years of timely payments. A company should not be able to submit a debt to collections having never notified the debtor. A credit union should notice when something comes on the record for the first time as referred to collection!
Consumer complaint received 2018-02-07
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. (FL)

My closing date for the XXXX XXXX  credit card is allegedly the XXXX of the month. However, according to XXXX  the last time my account was updated was XX/XX/XXXX. It states my babalnce is {$470.00}. Additionally, a replacement card ( that was ordered do to a fraudulent charge ) that never arrived at my house is listed on the account. I paid the balance off in full on XX/XX/XXXX. My account should have been updated by now, XX/XX/XXXX. I spoke to a supervisor, XXXX who stated she could not or would not correct the problem.