davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
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 (TX)

THIS COMPLAINT IS NOT CLOSED! CALL ME NOW! Per your document it shows the credit was REMOVED ON XX/XX/XXXX! 

Whoever responded is obviously an XXXX. 

The credit has been taken off my account and I will not settle this dispute until its fixed.
Consumer complaint received 2018-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Today ( XX/XX/2018 ) I attempted to send money to a person several times. 
By cash at the location and then online. 
Moneygram rejected me both times. 
1. They said there was an error processing. I contacted Moneygram and they said that they had no history of an attempt. 
2. Error processing. This time they said that they could not complete the transaction with my bank. However, they took {$790.00} out of my account and then told me that it would take up to 72 hours to drop the authorization. 

If this was isolated I would not be as angry. But this is an ongoing problem with them. They always seem to have errors whenever I want to send or receive. I have contacted them several times about these issues and all they tell me is that there are no blocks on me and that I should be able to send or receive. 

I feel they do not live up to their claims by a longshot.
Consumer complaint received 2018-02-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Citizens Bank at XXXX XXXX XXXX XXXX, RI I rolled over a CD at this bank on XX/XX/2018 this was two days after its expiration and the assistant branch manager ( XXXX XXXX ) charged me an illegal {$50.00} early termination fee. I had to call and complain twice before it was fixed. Bank is shady and I have had problems with them in the past with illegal fees and aggressive sales tactics. 

I can provide documentation.
Consumer complaint received 2020-01-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (OH)

They have 2 entries on my Credit report for same debt, one from XXXX, and the other the collections agency NCB management they sold too, I disputed but somehow they are saying its accurate its not only 1 entry should say I owe the money either XXXX, or NCB not both. 

Thanks
Consumer complaint received 2019-11-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Critical Resolution Mediation LLC (UT)

I received a phone call from " Critical Resolution Mediation '' stating they I owed money. They wouldn't say how much or to whom. They then recited my correct SS # to me and said " we'll get this money sooner or later '' I told them not to contact me again. I'm terrified that my identity will be stolen. The number they called from is : XXXX.
Consumer complaint received 2018-02-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian would not provide me with my REQUEST FOR Method of Verification for Account : XXXX XXXX XXXX   XXXX FL XXXX! 

I REQUEST THE FOLLOWING : ( a ) The name of the creditor ; ( b ) The persons name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the account AND EXPERIAN REFUSED
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-03-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

I am writing to advocate banking privacy laws that would prevent or limit banking corporations practice of linking into a private citizens accounts at other banks. Without warning or explicit permission, the unsuspecting citizen suddenly finds all their account information from Bank X displayed on the website of Bank Y, two wholly unrelated institutions. 
In an attempt to link banks for a simple inter-bank transfer, I was tricked into giving Union Bank and Trust the username and password to my XXXX bank account. There was no statement of what they were going to do with that information, and I was led to believe that it was necessary for the transfer. The next time I logged into the banks website, I was shocked to find every detail of every transaction and balance posted on a competing banks web page. 
Removing that purloined link was an arduous and time-consuming process, and I am still not guaranteed that the information has truly been purged from the offending banks records. Subsequent follow-ups with bank representatives indicate that they feel no responsibility in the matter, essentially because I was foolish enough to trust them. Of course, they are covered by the usual blanket fine-print. 
My privacy has been violated, and there is no apparent recourse. I request that someone do something to protect banking consumers.
Consumer complaint received 2019-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

The transaction was sent from another bank ( XXXX XXXX ) to my bank ( Chase ) on XX/XX/18. 
The amount sent was {$200.00}. 
The senders bank was contacted, XXXX was contacted since that is who the money was transferred through through the senders bank and my bank was contacted as well. Both the senders bank and XXXX both said the transaction went through while my bank Chase said the transaction was suspended through senders bank and then said the transaction was suspended through XXXX.
Consumer complaint received 2018-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (PA)

Requested proof via certified mail.Never received any documentation. Never was informed or validated. Falsely reporting the open date on my credit, when it is years old. Violation of the FCRA. Refused to provide me any documents.
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I am trying to do a refinance and I am working with company called XXXX! XXXX is trying access my Equifax report and credit score but it has block on them and wont report. I have called 4 to 5 times and Equifax tells me there is no problem with my report. Must be on XXXX side. XXXX is getting APPLICANT FILE BLOCKED AT EQUIFAX ERROR Code : XXXX. 
Equifax says there is nothing else they can do for me!
Consumer complaint received 2020-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom it may concern Ive managed to keep up with my payments consistently. 
But on the date of *XX/XX/XXXX & XXXX XXXX My payments show up as late because I wasnt allowed to use two cards ( Two Different Forms of Payment ) to make a payment that forced me to pay the other portion a day later causing my credit score to drop by 94 points. It will be a great relief to get this removed from my credit report. Its not that I didnt have the money to pay it, but rather I wasnt aware that two different cards couldn't be used. If there is a recording you will hear me mention this to the operator that night *XX/XX/XXXX. * I read the agreement and I dont see where I am not able to use two different debit cards. Please accept this as a goodwill letter I would greatly appreciate it and thank you for your time & service in advance.
Consumer complaint received 2023-02-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-05-03
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 (OH)

PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. 
According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. PayPal decides if you are allowed to use your account or not They decide if you have access to your money. 

My email address is XXXX XXXX
Consumer complaint received 2018-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

I saw an advertisement for opening a new personal checking account and cash insentive of {$250.00}. I applied online and did the part I could for opening the account online. Then a few weeks later I received paperwork to go in the branch to finish setting up the account. My direct deposits were made and ten transactions debited once I received my debit card and account officially authorized. I call in XX/XX/XXXXand they said it was not enough time. Then I called this XX/XX/XXXX and said they didnt see any promotions. They were going to submit a form. Now a couple weeks later they still have not given me the incentive of {$250.00}. No one can answer why and this form did nothing.
Consumer complaint received 2018-02-03
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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

A creditor retaliated after I filed a dispute with all three credit bureaus. On XX/XX/2018 an unauthorized 3rd party accessed by consumer report which which led to a denial based on key factors disclosed on my personal consumer file seen by ChexSystems, Inc. 

I pulled my credit files and discovered another derogatory error for 3rd parties to see updated by Creditor. I was unable to dispute matter. Items reported by XXXX affects my security clearance. My consumer reports has a security freeze and fraud alert. 

Adverse action taken by XXXX XXXX XXXX XXXX XXXX XXXX allege my consumer scoring was pulled by ChexSystems, Inc via email
Consumer complaint received 2022-04-29
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Debt collector : Portfolio Recovery Associates, LLC Amount : {$860.00} Account number : XXXX Fraudulent account opened by a family member in my name when I was XXXX/XXXX years old. I am now almost XXXX and have been battling to have this unauthorized/fraudulent account removed from my credit report since I was XXXX. Originally creditor was XXXX XXXX. 
I have submitted fraud affidavit paperwork requested by PRA twice and in return they send me letters claiming the debt is valid and include a statement for the account from XX/XX/2012. 
I was married right after I turned XXXX and gave never opened up a line of credit in my maiden name. 
PRA has not validated this debt once in the entirety of their collection efforts, they send the last bill given to them via XXXX XXXX and say it's validated. They have not investigated this account and I've disputed it more times than I can count and they refuse to budge. They have once again sent me another fraud affidavit as well as another copy of the final statement from this account. 
It is causing wrongful damage to my Fico credit reports and scores.
Consumer complaint received 2018-04-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (CA)

We reviewed our closing disclosure on XX/XX/2018 and we feeling pressured to sign. Our loan officer did not offer to review with us and we were shocked to find out the loan origination fee of  XXXX on a XXXX mortgage loan amount. I feel like they are taking advantage of the New Home Buyer's credit and double dipping into our wallets as the consumer. I would like your help taking action and making sure this company is not ripping other uneducated first time home buyers.
Consumer complaint received 2018-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ISIS SECURITY INFORMATION SYSTEMS INC. (MD)

I disputed the claim that I owe {$350.00} to XXXX XXXX XXXX XXXX XXXXXXXX to both XXXX  and the collection agency on XX/XX/XXXX of this year. XXXX replied on XX/XX/XXXX and stated that the information regarding the collection had been verified. The debt collection agency responded on XX/XX/XXXX in a letter stating, " ... WE ARE AUTHORIZED BY OUR CLIENT TO REQUEST PAYMENT IN FULL OR PROCEED IN A MANNER PRESCRIBED BY LAW. IT IS TO YOUR ADVANTAGE TO COOPERATE FULLY. '' This written correspondence from XXXX XXXX XXXX XXXX XXXX included a copy of my drivers license and a signed copy of an Authorization to Release Medical Information form. I think this is a violation of my rights and breach of security with respect to unsecured PHR identifiable health information ( i.e. my personal health records ). They have acquired these documents without my consent. 

I told them as much in a letter dated XX/XX/XXXX. When I hadn't received a response from them in close to 30 days, I called their office in XXXX, MD. A woman representative explained that they'd received my 2nd letter and were uncertain of " ... just what it is I want from them. '' She went on to say that their company 's reputation and longevity in working with their client was sufficient enough to validate the debt. 

Their refusal to remove this erroneous collection from my XXXX   credit report is costing me damages near {$690000.00} because I'm unable to complete the process of buying a home due to the affect the collection has on my credit score.
Consumer complaint received 2022-10-13
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. (GA)

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 


XXXX XXXX Account # : XXXX has violated my rights. 

XXXX Account # : XXXX Has violated my rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-21
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. (IL)

Hello i have put in a dispute letter to Transunion with a tracking number on the letter and i notice that they got the letter on XX/XX/2019 but they post the reply letter on the envelope for the XXXX of XXXX so this mean that they are later i did not get the letter on time they are late and the accounts on this report needs to be removed because now they are in violation of the 30 day rule
Consumer complaint received 2018-02-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2017 Creditor tagged my consumer report as derogatory reporting discrepancies each time they update in which I am unable to get anyone on the phone to obtain supporting docs submitted by XXXX referencing settlement of both accounts. Instead of removing the accounts upon receipt of lump sum payment they waited until a dispute came in the way both accounts were removed. They listed as charged off and still trying to collect more monies and damage my credit. 

XXXX reports and update on XXXX reports several times within a month while XXXX and XXXX report same account together as one on TransUnion reports. I feel their practices is unfair. XXXX ( XXXX ) reports a remedy in comment section and tagging TransUnion with XXXX using the same address
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX  XXXX XXXX account XXXX XXXX has violated my rights reporting inaccurate information on my credit report. 

According to 15 USC 1681 section 602, which not only states I have the right to privacy, but also I have the right to accuracy and fairness of credit reporting.

According to 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 16666B : 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 2022-04-28
Product: Credit reporting, credit repair services, 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. (TX)

In accordance with the fair credit reporting act convergent XXXX XXXX account XXXX XXXX has violated my rights reporting inaccurate information on my credit report. 

According to 15 USC 1681 section 602, which not only states I have the right to privacy, but also I have the right to accuracy and fairness of credit reporting. 

According to 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.