davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

WHEN THE PAMDEMIC STARTED JUST LIKE MILLIONS OF PEOPLE IN THIS COUNTRY I WAS AFFECTED FINANCIALLY LUCKILY THE PPP LOAN WAS INTRODUCED AND I GOT APPROVED THE FUNDS WERE DEPOSITED TO ME IN XXXX CAPITAL ONE TOOK IT UPON THEMSELVES TO FREEZE MY FUNDS AND ALSO CLOSE MY ACCOUNT I SUBMOITTED EVERY DOCUMENT THEY HAVE ASKED ME TO PROVE I QUALIFY FOR THE PPP LOAN TILL THIS DAY I HAVE NOT BEEN NOTIFIED OF THE INVESTIGATION RESULTS I REACHED OUT TO THE SBA THEY TOLD ME THEY HAVE NOTHING TO DO WITH THE INVESTIGATION AND THAT I AM STILL RESPONSIBLE FOR PAYING BACK THE LOAN. MY BUSINESS IS HOW I FEED MY FAMILY I CANT OPERATE MY BUSINESS MY KIDS AND I ARE BARELY SURVIVING I DONT KNOW WHY CAPITAL ONE IS DOIN THSI TO ME I DEFINITELY PLAN ON CONSULTIN WITH AN ATTORNEY TO SUE YOU HAVE NO IDEA HOW MUCH OF AN INCONVENIENCE THIS HAS CAUSED ME WE ARE ABOUT TO BE HOMELESS I HAVE CRIED EVERY NIGHT NOW I AM EXPERIENCING XXXX XXXX
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: U.S. BANCORP (CO)

I am locked out of account and I call several times a day stay on hold for hrs get disconnected. When someone does answer they can't help me. I have a replacement card that isn't working and I need to get in my account. Start ed calling 2 weeks from today and no results
Consumer complaint received 2020-10-29
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: FORD MOTOR CREDIT CO. (TN)

Lincoln Automotive Financial My credit report is dinged as a paid charge off of {$7800.00} My husband totaled this car and I had GAP insurance, Gap Insurance only paid {$100.00} of what my other insurance did not pay. 
I agreed to pay {$3500.00} of the {$7800.00} So they are reporting incorrect amount and I am needing to purchase a home and this is charge off that should have been paid my insurance or Gap insurance needs to be removed from my credit reporting.
Consumer complaint received 2020-05-18
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. (PA)

On or about XX/XX/2020 I disputed several items with Transunion. Transunion failed to investigate the following disputed items on the credit report within 30 days. In addition they failed to provide the information on file for the disputed accounts evidencing proof that i engaged in a consumer transaction..
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

Two weeks ago I received an email stating that I had violated section 22d. I had over {$2000.00} in my account. I tried contacting customer service and it hung up on me. I tried again and waited for over four hours for them to tell me there is nothing that they could do. All I want is a check mailed to me with my remaining balance. I called again and on hold for over four hours and they said I would need to send a letter to customer service. It has now been two weeks and I have not heard anything back or received my money.
Consumer complaint received 2021-08-19
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 (TN)

On XX/XX/2021 my capital one card was charged for two separate EBAY trnascation : ..one for XXXX.one for XXXX ... i told them it was fraud and i didnt make the charges ... they gave me temp credit then asked for info i didnt have!! ... how do i know who made the charges.or where they came from or what was bought..i cant give info i didnt know..all i know is almost XXXX dollars was posted to my card and i didnt do it and dont know who did..so now they closed the case and rebilled me cause i couldnt provide info i had no way of having..i locked my card so no more charges can me made but i'm still out almost XXXX
Consumer complaint received 2020-05-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

My mortgage was sold to rez mortgage from XXXX. Then rez mortgage wanted to tell me I was behind when I wasn't so I emailed my bank statements to prove I wasn't and they still haven't fixed it. I haven't paid XXXX, XXXX, or XXXX because they'll put it on the months I do not owe. I have the money to pay but I don't want them to come back and say I'm still behind. I have contacted them numerous times and also asked to speak to a supervisor. I had to pay my homeowners out of my own pocket.
Consumer complaint received 2020-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

I was forced to open a Paypal account when I sold an item on XXXX. 
The money has been there since XX/XX/2020, over 21 days. When I try to transfer the money to my bank, Paypal 's response is that the transaction can not be done at this time. 

I tried to refund the monies to the buyer so the funds could be sent another way, and received the same response. I also tried to open a dispute, and the response was that I could not. 

Paypal is holding the funds. When you try to call them and speak to someone, they use the excuse that due to Covid 19, they are not working. Everyone state is going back to work. And these call centers workers can work from home. 
So there is no excuse that I can not get my money out of their digital wallet. 

Basically, I have not recourse at all except to file this complaint. The SEC needs to investigage this company. How can they keep my money for 21 days and not give it to me?
Consumer complaint received 2023-03-25
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. (MA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

On my credit reports there is wrong information reporting on it. XXXX XXXX account have been closed and is not longer on my report. Also with XXXX, Experian, and XXXX, there are accounts reporting on my report that are incorrect and are violating the fair credit reporting act. There are unauthorized inquiries reporting. 

On XXXX report XXXX XXXX is a fraudulent account it was not opened by me. 
XXXX XXXX account is closed. 
Also the {$64.00} balance don't have no information and is not completed properly. These accounts need to be removed immediately. 
{$720.00} balance don't have the correct information and the information isn't completed. Their is no credit information listed. ( violation of the fair credit report ) XXXX XXXX Ohio is a fraudulent account I never opened that account. 

XX/XX/XXXX inquiry : XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX. 
XXXX XXXX, XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX. 

Experian XXXX XXXX account is closed. 
XXXX XXXX is a fraudulent account. i t was never opened by me. 
XXXX XXXX XXXX XXXX XXXX needs to be removed. I did not approve this inquiry. 

XXXX report needs to be updated. 

All addresses needs to be updated. 
Only current address is XXXX XXXX XXXX XXXX, Ohio XXXX All old names but XXXX XXXX needs to be updated. 
All statements and fraudulent alerts and security alerts needs to be removed immediately.
Consumer complaint received 2020-04-30
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: EQUIFAX, INC. (IL)

I sent a letter into XXXX regarding a bankruptcy that they are reporting. I requested the removal of the bankruptcy ( Ref. # XXXX ) on my XXXX credit report due to Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. Equifax Information Service , LLC, I did not know the source of their information on that bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). This is unacceptable and need to be removed as soon as possible. I also sent in documentation to have fraudulent addresses removed from my report and they are still showing : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX, IL XXXX SINGLE FAMILY
Consumer complaint received 2018-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

I had a personal checking and savings as well as a business checking and savings with US bank .Starting in XX/XX/XXXX. In XX/XX/XXXX I refinanced my home loan with XXXX XXXX XXXX.

Not long after that US Bank started charging me a {$15.00} a month " account accessment '' fee, even though I had the required amount in order to qualify for their " free checking ''.

I was able to get these fees reversed but it happened several times and was very aggravating, so in XX/XX/XXXX I closed all my accounts with US Bank. They proceeded to charge a {$60.00} fee to my home mortgage for closing all my accounts.I was never informed of this, I would not have agreed to this had I been informed, I never signed an agreement consenting to this. Also I was under the impression that my home mortgage was completely separate from my bank accounts and these were 2 separate companies.
Consumer complaint received 2017-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Account Control Technology, Inc. (MI)

On XX/XX/XXXX XXXX XXXX University was notified that they were included in my Chapter XXXX Bankruptcy. They contacted me during this process which my lawyer advised them that they could not collect this debt. Once my BK was discharged in XX/XX/XXXX they continued to still contact me and I had sent them the list of creditors and copy of BK discharge, they sold the debt to a collection company and I supplied the old collection company with the same info and it seemed to stop. But on XX/XX/XXXX I  received a letter stating that I owed XXXX XXXX {$3500.00} to them and my debt has been placed with Account Control Technology , Inc . I dont know what else I can do to show them this debt was discharged and I do not owe it. As stated my attorney explained all this to them several times and has sent them letters. 

I have worked really hard to repair my credit and I do not want this to hit my credit report and lower my XXXX fico score. I am going to try to purchase a house next year and I am watching it closely.
Consumer complaint received 2020-04-30
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-04-30
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: Social Finance, Inc. (AZ)

There has been an issue with my identity being stolen and certain inquiries that appeared from the situation remain to be reported on my credit. from XX/XX/2020 to XX/XX/2020 those inquiries were placed by an imposter trying to be me. i have filed much paperwork showing inaccurate information with signatures and documents. i need help to clear my name of these acts due to the harsh times of today. thank you
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (MD)

I started with SLS on XX/XX/XXXX when they took over loan from XXXX  XXXX XXXX. I could not set up website or call to make a payment when I called on XX/XX/XXXX as they did not have me in their system yet. They said I had 60 days to make XXXX 's payment as this is common. XXXX payment was made XX/XX/XXXX and is agreed upon with SLS. SLS is reporting ( see attached ) that my XXXX payment was late as you can see the have XXXX XXXX for last year which include XXXX, XXXX and XXXX. Reporting XXXX is a clear RESPA violation when it comes to the transfer of loans between banks. 

I reported SLS in a different complaint with CFPB and they stated I was behind until XX/XX/XXXX and have been up to date since then. See complaint XXXX. XXXX, XXXX and XXXX is 3 months. They are reporting me late for 6 months in XXXX. 

According to SLS and their response to my complaint, they are saying that I was late, are are not following RESPA guidelines in reporting me late for XX/XX/XXXX and also have not fixed the error for XXXX, XXXX and XXXX. 

There should be no dispute as the SLS response to my complaint XXXX and what the are reporting in late payment history do not match.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

On my credit reports there is wrong information reporting on it. XXXX XXXX account have been closed and is not longer on my report. Also with Equifax, XXXX, and XXXX, there are accounts reporting on my report that are incorrect and are violating the fair credit reporting act. There are unauthorized inquiries reporting. 

On Equifax report XXXX XXXX is a fraudulent account it was not opened by me. 
XXXX XXXX account is closed. 
Also the {$64.00} balance don't have no information and is not completed properly. These accounts need to be removed immediately. 
{$720.00} balance don't have the correct information and the information isn't completed. Their is no credit information listed. ( violation of the fair credit report ) XXXX XXXX Ohio is a fraudulent account I never opened that account. 

XX/XX/XXXX inquiry : XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX  UXXXX. 
XX/XX/XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX. 
XXXX XXXX, XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX. 

XXXX XXXX XXXX account is closed. 
XXXX XXXX is a fraudulent account. i t was never opened by me. 
XXXX XXXX XXXX XXXX XXXX needs to be removed. I did not approve this inquiry. 

XXXX report needs to be updated. 

All addresses needs to be updated. 
Only current address is XXXX XXXX XXXX XXXX, Ohio XXXX All old names but XXXX XXXX needs to be updated. 
All statements and fraudulent alerts and security alerts needs to be removed immediately.
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (FL)

I feel like Wells Fargo is being discriminate against me because I am XXXX. Wells Fargo can not collect debt that pass the statute of limitation. Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ).
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (LA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/ ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (TX)

The company is calling trying to collect a debt from my mother-in-law, XXXX XXXX. The first time they called was a couple months ago. I told them she did not live here and to not call again. They said they would remove my number. On XX/XX/2020 they called again. I told them again she did not live here and to not call back. They said they would remove the number. Today, XX/XX/2020, they called again. I did not get the name of the person calling. I again told her she did not live here and to not call again. She started asking me questions I said I would not give her the phone number and that I already asked them to stop calling. She started trying to tell me they had never called before and I told her they had because I have it documented. She would not stop trying to get the phone number from me. She then said well will you give her a message. I said again this is not her phone number and I want you to stop calling me. I even told her she was violating FDCPA twice and that never deterred her.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In attached Capital One response to several of my Consumer Financial Protection Bureau complaints, Capital One states they no longer have access to payment information. They processed payments in accordance to terms Cardmember Agreement. They also state they found no signs of fraud. Capital One concluded by politely stating they needed additional information and I had not called. 
Capital One can not do a proper fraud investigation without the payment information. Large consecutive payments that continually bounced should be a clue. Processing fraudulent payments is not referenced in Cardmembers agreement. Capital One simply states they found no signs of fraud. I request the details of the fraud investigation. Capital One allowed fraudulent use of card by means of fraudulent payments.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Macy 's store credit card. Charging me excessive late fees when i have paid on time every month. They concocted an artificial due date to be able to justify charging me late fees. I have paid more than the amount and requested a different due date and they still charge me late fees and dinged my credit report. 
They are gaming the system to over charge late fees and I have not missed a payment since I started the account. 
It is a scam to extort money from me at the risk of causing my credit score top be reduced.
Consumer complaint received 2020-12-09
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)

XX/XX/2020 I noticed several inaccurate accounts on my report. I reached out to the collector/creditor no luck. I sent another request to Experian to provide me with the docs on how they were able to validate the accounts. tHEY THEN SENT ME A LETTER STATING THAT THEY CAN NOT VERIFY MY IDENTITY OR ILLEGIBLE. I've provided the requested info several times to them and the other bureaus. The other bureau did comply per the FCRA. Iguess my question is how can the same documents/request be sent but Experian could not confirm me?
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC (KY)

I was contacted by Sunrise Credit Services on XX/XX/2020 at XXXX XXXX, about an amount owed to a previous debt ( XXXX XXXX XXXX bill was roughly {$190.00} ) I was contacted by an individual by the name of XXXX XXXX. When I informed him that I was going to be taking care of the debt with the original debtor. When I informed him of this decision he informed me that if I did this and the debt was put on to my credit reports, that this information would be put on my credit report " forever. '' Once he told me this, I immediately asked to speak to his supervisor, to which his response was : " There is no supervisor. '' I was able to contact the company again through the same number he contacted me through ( XXXX ) not 10 minutes after we got off the phone and was connected directly to the supervisor. I also asked XXXX XXXX where he was calling me from, and he would not give information other than he was calling from the XXXX, or that their headquarters was in New York. I know that debts do not stay on my credit forever after they are paid, but this is the predatory misinformation that is used to scam people into paying debts that they either can't afford, or might not even have. After speaking to the supervisor that WAS present, XXXX XXXX, She informed me that she will be reviewing the recording of our conversation. I don not know truly what will come of this, though I doubt anything will seriously be done.