davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Attempt to send my $ to XXXX - denied. 

I call and the representative tells me about the risks of Cryptocurrencies. ( Which I find funny because this is my money ). 

2nd representative is straightforward and tells me that Capital One has decided to no longer support sending money ( even though it is my money ) to XXXX ( a legal company ). 

XXXX XXXX XXXX XXXX XXXX XXXX I file a complaint with CPFB at the end of XX/XX/XXXX. 

I received a letter ( XX/XX/2018 ) from Capital One stating ( attachment ) that they will give me an access code that may not work with all companies. [ To me this was just another gimmick to delay me as they already stated they wont honor my request to send my money to a legitimate business ]. 

XX/XX/2018 I logged on to my XXXX account and input their access codes and was denied. I have used various bank accounts and have NEVER had this problem. 

Again, to reiterate. This is not a credit card purchase. This is money in my bank that they REFUSE to allow me to transfer. They will not work with me that is why I am filing a complaint.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (NV)

I had an issue with XXXX XXXX that stems from XXXX losing my account for twice. I had been a customer for 7 years and suddenly my service gets cancelled. The reason I was given on one of my 9 calls to XXXX was somebody tried to open service at my address and they weren't supposed to cut service but they did. After repeated communications where their accounting system did not show I made payments via auto pay or that I had an account for 7 years I was told by XXXX  to dispute the charges with my XXXX credit card, which I did. I also closed my account. At the time of closing I had a XXXX   balance as I paid everything. Months later I was sent a bill with cancelled payment fees. I contacted XXXX again notifying them I closed my account and that XXXX told me to dispute charges. XXXX stated they are submitting paperwork to resolve the accounting issue. I haven't heard from XXXX since and it has been a few months. Today I received a notice from my credit monitoring that there are open accounts and derogatory marks posted by a collection company employed by XXXX.
Consumer complaint received 2022-10-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOV ASSOC obtain my credit report without permission to access file on dates XXXX, I have not given company permission to access my credit profile and you have no permissible purpose by law. 
PORTFOLIO RECOV ASSOC in violation of the Fair Credit Reporting Act ( FCRA ) codified at XXXX U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
PLEASE SEE ATTACHMENTS :
Consumer complaint received 2018-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had switched banks about a month prior, and when I went to go close the account or the day before I was going to close the account I received emails that I didnt have enough funds to cover whatever had tried to post, And I am mediately called the bank up to see what was going on and it turns out to credit card companies even though I change the auto pay on my account with them with the new banking information they somehow managed to still try and take it from the old accounts but thats another story. 

So I contacted Huntington, I went through this whole story and theyre only willing to waive a couple of the fees which I call XXXX  because I just want to close the XXXX account I have no problems paying what is owed on anything that they paid but I want the fees back this is ridiculous I didnt maliciously intend to do this, in which is a big load of XXXX on top of with their so-called 24 hour grace they didnt even give me a chance to do that, And I have repeatedly change the information with all creditors make sure none of this happens and now theyre trying to say that something tried to post again they charge me three more overdraft fees they agreed that they would refund some fees if I paid what was owed on what tried to post but now theyre trying to XXXX me by adding more fees and I will give them whatever they paid out Im not giving them like {$300.00} in overdraft fees they can go pound salt because thats ridiculous
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (NC)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FCU Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (NC)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this MEDICREDIT ( XXXX XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2018-02-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Midwest Recovery Systems (TX)

they posted on my credit score saying that i owe XXXX bucks in XX/XX/XXXX but i never had any account with them ever i never needed to get any loans this has dropped my credit score from a XXXX to a XXXX i dont understand how there are so many complaints with these people and no one has started a law suit and i dont understand how the credit bureaus continue to let them report fake loan accounts so i am contacting any and everyone that i can think of hopefully if i can get enough people involved we can all get together and show the credit bureaus they reported this fraud account on more than 1000 accounts that they will be removed not only that hoping they can be stopped and have something done about this!!!!! i want this removed from my XXXX credit account asap i never applied for any loans or anything also i did a 3 way call on the phone today with rtem and XXXX  i told them to provide me proof that this was my accunt and i asked for a fax number to send my police report and to my surprise they gave me XXXX THIS IS A FAKE FAX NUMBER BTW this just confirms it even more 1000s of people are complaining online about them why cant they be stopped its clear they are reporting to get money from people but i want pay these THUGS XXXX XXXX!!!!!! XXXX XXXX is the woman from XXXX that did the 3 way call her number is XXXX ext XXXX they told her that the account was in XX/XX/XXXX but on my XXXX  account it showsXX/XX/XXXX XXXX
Consumer complaint received 2023-04-01
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$350.00}
Consumer complaint received 2020-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XXXX, I attempted to get a credit report from XXXX  and Transunion. Both sites displayed a message indicating I had to call them, but attempts at calling were to no avail, and no one answered the phone after more than 30 minutes.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (PA)

you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 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 ) days of the completion of your re-investigation.
Consumer complaint received 2021-11-06
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. (MS)

TransUnion continues to respond that the item was verified when in fact it was not and could not be because it is fraudulent. I do not have the same name as the person listed.
Consumer complaint received 2019-08-22
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: AMERICAN EXPRESS COMPANY (TX)

My business checking account was debited by American Express for purchases I did not make on my Amex Hilton Honors Card in 2018. I have called Amex many times and submitted documentation but the issue is still unresolved. American Express continues to ask for sensitive bank documents which they know my bank will not provide in order to avoid reimbursing me. These are the dates and amounts debited from my checking account by Amex.

XX/XX/2018 {$35.00} XX/XX/2018 {$50.00} XX/XX/2018 {$320.00} XX/XX/2018 {$200.00} XX/XX/2018 {$150.00}
Consumer complaint received 2018-02-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My computer was hacked and the people that did it took information from it and used it to withdraw {$750.00} from my son 's savings account in Wells Fargo, of which I am a joint owner, in a wire transfer to XXXX, which was in no way authorized by myself or my son. This happened on XX/XX/XXXX. I called Wells Fargo to report the fraudulent transaction and they opened a case, reference number XXXX, which I obtained with a representative called XXXX on XX/XX/XXXX. After this communication, and seeing that the funds were not replaced as requested by me, I called again on XX/XX/XXXX, and this time I spoke to a representative named XXXX XXXX, who provided me with a claim number for my claim, which is XXXX. This representative, however, indicated me that the amount in question could not be returned to the account due to the institution that received the fraudulent wire transfer did not have the funds to restore the money, and that I had no protection by the FDIC in this case to obtain a restitution of the {$750.00} plus the {$30.00} fee for the fraudulent transfer, even after I provided XXXX with all the information needed ( phone numbers, names and codes ) that were illegitimately obtained to access the account and retrieve the money unlawfully. Finally, I called Wells Fargo again and I spoke with a representative named XXXX on XX/XX/XXXX, which gave me a case number ( XXXX ) to use to refer to my claim, and stated that it was under review and that I would be contacted once the investigation had taken its course. I called Wells Fargo once more on XX/XX/XXXX and spoke with a representative named XXXX who assured me that she would follow up with the case and see if there was something that can be done to restore the funds to my son 's account.
Consumer complaint received 2021-11-06
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. (DE)

Affidavit of Truth I have inaccurate information reporting on my TransUnion credit report. There is a XXXX XXXX XXXX XXXX account # ( XXXX ), that was disputed and removed by TransUnion for inaccurate reporting on XX/XX/2019. However, this account was reinserted on my credit report without sending me a pre-sell or post-sale letter after the repossession. Also this account was deleted from XXXX and XXXX. I have a letter from the creditor ( XXXX XXXX XXXX XXXX ) admitting that they are reporting an inaccurate high balance to my TransUnion credit report. Furthermore, without my knowledge XXXX XXXX XXXX performed a XXXX to cancel the alleged debt. In conclusion this debt is cancelled, the account was removed and reinserted to my credit report, the High balance is incorrect and TransUnion, XXXX an XXXX report This XXXX XXXX account differently. Please hold XXXX XXXX and TransUnion accountable under The laws of the U.S.C and U.C.C codes and Fair Credit Reporting Act. Please remove this account immediately, otherwise I will exercise my rights under the law for remedy. I've also attached documents proving why this account needs to be removed immediately. Thankyou.
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

RE : XXXX XXXX XXXX At the end of XX/XX/XXXX, all of my taxes had been paid off through my mortgage escrow account and there was a surplus of over {$1100.00} remaining in the escrow account. I contacted XXXX XXXX who told me that this escrow surplus would be disbursed in XX/XX/XXXX because that's when my account 's anniversary would be. I called today because I never received an end of year analysis/accounting report of my account which I believe is required by Federal law. XXXX XXXX told me the End of Year statements should be going out soon. While I wait to receive the End of Year statements I need the analysis/accounting report of my account. The customer service rep told me the account analysis/accounting report and the End of Year statement are two different reports. I know I had a surplus amount in my account at the end of XX/XX/XXXX of about {$1100.00} after all taxes were paid and my current escrow account reflects this surplus. It's my understanding that by Federal Law, all surplus money in an escrow account needs to be paid out. I need to know why XXXX XXXX  is holding onto this money and why I never received an analysis/accounting report of my account to see all payments made from the escrow account. I believe this is referred to as the Annual Escrow Account Disclosure Statement. I had called and left messages but no returned calls from XXXX XXXX. The customer service reps at XXXX XXXX  are not all helpful and when they explain things it's very unclear and they provide incorrect information. As I said, the customer service rep I spoke to told me the analysis report and the end of year report are two different reports. When I check my account online through XXXX XXXX 's website, my mortgage payment has already been reduced by {$15.00} for XX/XX/XXXX, but I never received an explanation or notification of a change in mortgage payment. Thank you.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

XXXX has violated many consumer rights, in engaged in insurance fraud, deceptive practices and unjust enrichment. XXXX has sent letters asking to settle the matter, the most recent in XX/XX/XXXX, but have not responded to faxes sent to multiple departments and phone calls to the departments mentioned in the letter. XXXX has ignored financial instruments intended to settle the account in XX/XX/XXXX. XXXX has ignored IRS Fiduciary form 56 sent XX/XX/XXXX, to settle the account. XXXX has ignored UCC1 ( # XXXX ) and UCC3 ( # XXXX ) filing in Washington State and mailed directly to XXXX in XX/XX/XXXX. XXXX reported a loan balance of {$0.00} between the months of XX/XX/XXXX and XX/XX/XXXX on the consumer 's account. XXXX filed insurance claims and collected monies on account XXXX in XX/XX/XXXX, yet continues to try and collect on the account, directly from the consumer ( as of XX/XX/XXXX ). 

XXXX has reported CHARGE OFF status with the credit reporting agencies, yet refuses to send the tax documents ( or any for that matter ) stating that it has been charged off. 

XXXX has given, without permission, the consumer 's information to multiple parties ( violation of 15 USC 1681 ( a ) ( 4 ) who have since violated consumer rights, harassed the consumer, including the consumer 's friend 's and family. Harassment and abuse are covered under 15 USC 1692d and 15 USC 1692g. 

XXXX have allowed assigns to file lawsuits, in XXXX XXXX, Kentucky. The contract specifically states that the laws of Washington State shall govern the contract. 

The consumer continues to be railroaded and ignored while XXXX effectively pursues unjust enrichment off of the consumer, between the securities created, payment from the consumer, cashing out on an insurance claim and attempted collection of the XXXX XXXX XXXX XXXX. Is a tax exempt, non profit organization allowed to do this? How can one organization claim to be not-for-profit, hold tax exempt status and collect on one contract several times? This has been documented in many communications with XXXX and XXXX has not rebutted any of the claims. 

On their website, XXXX states they are a " not-for-profit, member-owned cooperative ''. They hold a not-for-profit and tax exempt status with the IRS. 

In a letter dated XX/XX/XXXX XXXX has been urged to make this right with the consumer, but as of XX/XX/XXXX they have yet to do so.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX Date of Inquiry : XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX TX XXXX.
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 is missing that should be on the report
Company: Experian Information Solutions Inc. (AK)

After receiving my credit report, I am not happy when I noticed these inaccurate items in it, they are injurious to my score and I want them to get removed as soon as possible.
Consumer complaint received 2023-04-01
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$0.00}