davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I had a problem with my old credit card ( lost or stolen ) XXXX. Capital one Bank closed credit card XXXX and I received a new Capital One Walmart credit card XXXX in my po box XXXX. Since I suffer with XXXX because somebody have tried to defraud me twice, the police told me I should tried to lock all of my accounts. Once I received my Capital One Walmart new credit card XXXX, I activated the new credit card XXXX and went online and lock the new credit card XXXX. 
Today, XXXX, I got a notification from XXXX XXXX that my Capital one Walmart credit card was closed. My complaint is Capital one never sent me a notification through email XXXX or XXXX or XXXX XXXX XXXXXXXX telling me why the account was closed. The account closure affected my over all credit scores with XXXX, XXXX, XXXX causing me to be traumatize because I need my credit score to be at a particular level in order to stay in my apartment. I never received or saw in writing Capital One Walmart credit card policy on my account about an account should have activities on the account at all time. 
The resolution should be to correct my credit report because i do not owe money to Capital one Bank credit card or loan.
Consumer complaint received 2018-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

ERC a 3rd party collection requesting payment not owed. ERC stating the oringinal company is XXXX XXXX. I have asked for signature with contract with ERC. This debt is not owed by me. I am requesting for all harassment to stop and if this is reported on credit bureaus needs to be removed.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (IA)

XXXX, XXXX I called Reliacard services to route my child support payment to another account over the phone and I was asked for my password... and I should not have a password. I have only activated a code for use of debit services. 
I went online to XXXX and found that a XXXX address XXXX XXXX XXXX was the email address attached to my child support card by its account number. 
I asked them to freeze the online account over the phone and the rep indicated that she could not help me without me giving her the password. 
I reported the fake email account to XXXX and requested they get ahold of us bank XXXX. 
I emailed XXXX about the situation and my inability to get anything done in time for anticipated ( and imparitive ) payment tomorrow morning... now I am here. 
I have had many issues but a few to make note of is that I have a XXXX XXXX account that I did not activate and my XXXX XXXX credit security indicator is under someone elses control because I did not activate that account either. 
Additionally, my XXXX XXXX XXXX was left at XXXX in XXXX XXXX, Iowa and they confirmed it months ago, saying they would put it in their safe and then it was not found when I tried to recover it. Lost about XX/XX/XXXX and I have no idea who could have gotten it, but its gone. This particular type of ID is used to assure online identification and it is in someone elses possession. 
There is something definitely wrong if all a person has to do is have the ability to apply hacking applications from online stores and they gain access to all your personal information. COVID forced everyone to pay things online and it has been financial quicksand for me. 
AND child support recovery unit or their payment portal will not insure or investigate lost transactions or funds.
Consumer complaint received 2018-02-24
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (NJ)

I've had this car with Chase Auto Loan since XXXX. The day I walked off the lot with a XXXX XXXX XXXX my Balance was {$20000.00}. Today after 3 years of paying {$420.00} x25 my balance is {$19000.00}. I have given Chase Auto Loan {$10000.00} out of my pocket for this car in which they stated each and every payment I made they consider it to be late!! I was told that my payment due date is the XXXX of every month. I broke my payments down twice a month in the amounts of {$220.00} and {$230.00} that I paid every XXXX and XXXX of the month. They ( Chase Auto ) told me this is incorrect and my payment doesn't reach them on time. Chase denied me access to making payment directly to them, stating they no longer take debit card payment and because I'm not a regular chase customer ( meaning I don't have a checking or savings account with chase ) I can't set up to pay at a chase branch directly nor can I set up an online account and pay directly on their website. The only option and way I can pay my auto loan with chase auto were from my online XXXX  XXXX XXXX direct bill pay account. So a payment that comes out of my account from XXXX online bill pay with a date of the XXXX wasn't considered on time because Chase goes by the date they actually received the payment in hand with can take up too 7-14 business days from the date the payment was processed ( once again on the XXXX and XXXX of each month ). I called Chase Auto and I gave them a piece of my mind and I felt I had every right to get nasty on the call. WRONG move on my end because the next day they repoed my car and now they're refusing to give it back to me! I was told I have to flat out buy the car at {$19000.00}! after 3 years of giving them {$10000.00} of my money!!! If someone can help me, please help. I'm a single father of  XXXX XXXX  that I care for on m own. My car has over 61,000 miles on it because I'm driving them all over the world for school, sports and just for fun. It's so hard being a single father without their mom alive. Please God Please someone help!
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (PA)

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Consumer complaint received 2020-08-20
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. (GA)

I received a call from a student loan company about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these items from my accounts as soon as possible.
Consumer complaint received 2018-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/XXXX I began XXXX XXXX XXXX due to XXXX and I was all alone in Alabama in XXXX Apartments and had no one to help so my children came down from XXXX, GA to move me closer to them. They read my lease and said that I could legally break my lease to due medical illness. I went to the leasing office and spoke with XXXX XXXX ( property manager then ) and explain my situation he told me to bring him a written letter and then I could move. He even came over and completed a walk thru will my children was loading the truck. After two surgeries in XXXX, my eyesight improved a lot and went to try and rent me an apartment and denied because what they put on my credit and it and it shouldn't be. I'm not sure where they got that total amount from because my lease would have been up in four months and my rent was only XXXX a month. However, I owe them nothing because I did what I was told to do.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent Equifax dispute letter last month informing them that there is a medical violation on my credit report for accounts XXXX and XXXX. The original creditor is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information. I never signed any disclosures or permitted my personal information to be shared. This collection company/debt collector does not have permission to furnish this alleged debt. I have no binding contract with them, and Equifax failed to do their due diligence. I am protected under HIPAA laws. XXXX has removed these accounts from my credit report. Please see the attached dispute letter which is dated, and time stamped and remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account numbers XXXX NOT MINE REMOVE THIS DEBT ASAP! 
This is the 6th time that I've reported this and it's still defaming my credit report and my character!
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have Bank Of America for over 35 years I have no lates no inquiries within the last 12 months and length of time my credit has been established has been over 30 years all that is incorrect I Make enough money to cover my bills I dont see why they declined me for a credit increase please explain what category do I fall under everything they wrote is incorrect and my credit cards are not at the max so please explain you say fair and equal credit opportunity I dont see how. Please explain ... thank you
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2020 I transferred money from my PayPal to my XXXX bank account. PayPal said the transaction was complete but my money never showed up in my bank account. The amount is XXXX They have basically told me the transaction is complete and cant do anything else! My bank has done every investigation possible and can not locate the money PayPal says they released to my bank. 
PayPal will not do anything to help locate the money or work with me to figure out where my money is. Im still missing my XXXX and all they say is the money was put into my bank account which is NOT TRUE .. no money went into my account. I have sent numerous messages to PayPal and received replies that nothing can be done. PayPal phone representives are not taking calls so communication is through messaging on the App only! 
This is a lot of money and it belongs to me.
Consumer complaint received 2022-09-12
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. (PA)

In accordance with the fair credit reporting act XXXX Account ending # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have 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
Consumer complaint received 2020-08-19
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: CITIBANK, N.A. (IL)

I have a Citibank XXXX XXXX Credit Card. I received a refund on a purchase for a large sum of money, ~ {$12000.00} that I had previously paid the balance. Now I currently have a negative balance on my card, ( Citibank owes me this money ). I contacted them XX/XX/XXXX to send me an electronic transfer for the money owed to which they said they would. I have since followed up with their customer service department 3 more times ( 4 times total ), to which they keep saying it will be another 3-5 business days. This has been ongoing for a month now to no resolve. I really need help retrieving this amount due.
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 — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

While checking my personal credit report, which I acquired fromXXXX, XXXX. I noticed an unauthorized inquiry made by your company CITI CARDS/CITIBANK Cbna on XX/XX/2018 and XX/XX/2018. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2022-09-12
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: Capio Partners, LLC (GA)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609.  This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
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 — Account information incorrect
Company: Lending Club Corp (FL)

Company is reporting that my XXXX Payment of {$340.00} was 30 days late, which is incorrect. Then I see on their website that they have applied my XXXX payment to XXXX - which I have deferred. When I contacted them about the issue I was advised that it could take up to 60 days to correct. Unfortunately due to unforeseen issues I can not wait 60 days and need my credit report corrected.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Green & Sons Agency, Inc. (UT)

Outsource receivable is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, letters or notices about this debt and that violates my 30 day right to dispute.
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (NC)

my father died in XXXX of last year. had debt with XXXX credit card. i did a estate for father and after funeral paid and such only was {$88.00} and some change left so i sent to only creditor which wanted their debt paid, which was dcm services.check was returned saying wassnt full amount. now they sent to another agency and now they are harrassing me. my name not on debt at all. i advised dcm to stop harrassing me, but still continues and now another. last that was mailed was in my name, now i am afraid they are trying to aapply this to my credit for non pay. need to get stopped and my credit file checked they havent applied this as my debt. i spoke with a cfpb spokesperson and she advised me to file complaint to get stopped. she was very helpfull
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

Realized I have a negative balance of almost XXXX dollars. It is impossible. I will not pay this, and it already went into collections... There are other things the bank should have done like deny the transaction, or contact me.. despite that they just went on, accumulating fees which are not reasonable.. now my credit score is messed up.
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

During the COVID-19, I contacted my server and they offered a forbearance, during this time my husband was on XXXX  and after XXXX working for my employer, I was XXXX  at age XXXX. Our mortgage is in foreclosure status, no sale date yet, I was denied a modification and the owner does not accept the amount to be put on the back of the loan. I believe I have tried everything, other than bankruptcy. My husband is XXXX old and is receiving XXXX XXXX XXXX and I am receiving XXXX XXXX currently looking for employment. At this age I feel helpless. I feel I was mislead and given wrong information. During this pandemic, I was offered the forbearance and I was told after the forbearance, Their would be other assistance I would be able to apply. I applied and they denied me for all the assistance that was offered, because I did not pay anything during the forbearance.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (FL)

I leased a sectional and kitchen table with this company in XX/XX/2020. I was told by the manager at the furniture warehouse that I had 6 months to pay the furniture off same as cash with out interest. 

I called XXXX XXXX XXXX today, XX/XX/2020, to pay off the remaining balance on my account of approximately {$1000.00}. I was told that I owe {$3400.00} instead of {$1000.00} because my pay off period of 90 days ended in XXXX. 

This information is directly inconsistent from what I was told when I made my purchase and the representatives of the company engaged in false and misleading practices to acquire my business. 

I entered into this contract under false pretenses and I would like to rescind the contract or pay off the amount I actually owe, which is {$1000.00}.