davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
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 (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE BANK USA ***** Opened XXXX XXXXXXXX XXXX Balance {$3000.00} CAPITAL ONE BANK USA NA XXXX Opened XXXX XXXX, XXXX Balance {$3000.00} CAPITAL ONE ***** Opened XXXX XXXXXXXX XXXX Balance {$3000.00}
Consumer complaint received 2020-04-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Today just a few minutes ago {$500.00} was sent to a paypal account linked to XXXX. 

XXXX XXXX Details Sent to XXXX  XXXX XXXX   Transaction ID XXXX My personal email is XXXX I assume they hacked into my paypal and sent funds to their account.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

XXXX XXXX pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and XXXX XXXX reported late payments to the credit bureaus for each of the months the service did not make the payment. XXXX XXXX has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. XXXX XXXX assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.
Consumer complaint received 2021-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (WA)

My account has a XXXX dollar balance. On XX/XX/21 they charged my bank {$37.00}. It never made it onto my account activity. It also says my account is as of today 11 days delinquent. I have tried emailing them as well calling at different times of the day. No one responds to emails or answers the phone.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

As a result of XXXX XXXX data breach, I attempted to place credit freezes on my credit data at XXXX, Transunion and XXXX. I was only partially successful with XXXX. They reported that I already had a freeze in place. Transunion 's process died with a system error. XXXX XXXX process returned a blank pin number. Apparently the last two companies have poorly designed system which can not be relied upon.
Consumer complaint received 2017-08-23
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: CITIBANK, N.A. (NY)

In XX/XX/XXXX I had charged {$140.00} on my Citicard account as a payment of XXXX XXXX service online. My Citicard had been inactive for 5+ years before that. Hence I forgot about the bill because I was mainly using my XXXX card. I never received any billing statement from Citicard in the mail either up until I received a letter on XX/XX/XXXX ( 6 months after my bill ) stating that I had a balance on my account. I called Citibank immediately anxious that the charge could be a fraud ( I could not remember my bill to XXXX whatsoever after 6 months without being reminded about it previously ). The agent who was assisting me over the phone clarified to me that there was a {$140.00} charge to XXXX since XX/XX/XXXX. I did remember it eventually and paid my bill over the phone the same day. Wish Citibank would have sent me a notice in the mail when I was 60 days past due instead of waiting for 6 months! I would have paid my bill then and avoided the extra late payment fees. They had charged me more than {$100.00} as late payment fees which I refused to pay. I agreed to take responsibility of two months late payment fees but they refused to accomodate me. They refused to take any responsibility of not having sent me any statement or prior notice. They kept repeating that according to their records I had asigned to paprerless statement. I made several attempts to make them understand, including one of their managers that I was not using the email account that they were sending those statements to for so many years!! After all this card had been inactive before and after XX/XX/XXXX. They have caused me tremendous stress and frustration. After I have already paid my main bill my late fee charges have added up to {$310.00} as of XX/XX/XXXX. This is affecting my credit report which is not fair because I pay all my bills on time and much more than the minimum payment due. I disputed the late payments with XXXX. XXXX was not able to help me. Instead I received another letter from Citibank recently offering me a settlement of {$280.00} vs {$310.00}. This is a joke! I called them again. I went over the whole story again with another of their managers. I suggested to pay late fees of 2-3 months right then if they agreed. The manager refused to accomodate me once again and kept repeating the same exact things that the others were saying in XX/XX/XXXX like a broken record ... ... They failed to contact me the best possible way while they could which would be through mail. This whole situation could have been prevented. Instead they kept adding late payment fees towards my unpaid late fees which is causing a considerable damage to my credit report. I do n't think this is fair.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I am writing to inform you of a phishing attack. They originated in these email addresses and telephone number. 

XXXX - is the address of the scammer. 

XXXX XXXX - is the phone number of the scammer XXXX - is the address used for PayPal. 

This party is a fraud. I provided a service, namely recorded music for a wedding. They paid me with a check, and then wrote back that it was much larger than the correct amount. So, they wanted me to reimburse the difference, and send the money through PayPal. 

He or she had trouble receiving the money. So I called PayPal customer service, who told me that this account had " bad restrictions '' on it. The party then wanted a screen shot of my notification, so that PayPal would provide the funds. 

This evening I received a notice from my bank that the check they sent bounced. 

Obviously, this is a scam. The fraudster sends a check to someone ( like me ), says a mistake has been made, and wants a reimbursement for the excess money. The victim sends the money through PayPal, and in the meantime the check that the fraudster sent bounces. The fraudster pockets a tidy sum. 

Please, help shut down these crooks.
Consumer complaint received 2017-09-10
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)

Equifax , Inc. mishandled my personal information ( for example, SSN, DOB , street address ) such that it was possibly disclosed to others without my consent. Equifax experienced a cyber-attack between XX/XX/XXXX placing myself and 143 million other Americans at risk of identify theft. This constitutes improper use of my credit report because the breach is directly attributable to the company 's website application vulnerabilities. In addition to their failure to protect information, Equifax failed to notify the public of the breach within a timely fashion, thereby increasing customers ' risk of identify theft.
Consumer complaint received 2017-09-10
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. (KY)

Equifax should have reported the security breach when they first learned about it instead of leaning on it and seemingly allowing top employees to benefit by delaying the news. It is unacceptable that the data thieves have had access to my and others ' information for such a long amount of time before we were made aware and able to take steps to try to prevent or mitigate any identity theft. They should also have obviously invested more in their cyber security division. Equifax is a credit report that US citizens are forced to use due to the credit-driven nature of our society, and lives are easily ruined by identity theft and the compromising of someone 's credit. Though they are victims as well, they should be held somewhat accountable.
Consumer complaint received 2017-09-10
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. (MN)

I am most likely one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. 

The breach lasted from midXX/XX/XXXX throughXX/XX/XXXX The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
Consumer complaint received 2017-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oliver Adjustment Co. (MI)

I received an alert on XXXX XXXX that I had a collection account on my XXXX, XXXX, and XXXX credit report. The company is called OAC and the amount is {$170.00}. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before it was placed on my credit report. I demand this account be removed immediately from my credit report. At least let me have the opportunity to dispute this alleged debt.
Consumer complaint received 2022-09-08
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. (DE)

I am writing to delete the following information in my file. The items I need deleted and blocked from being reported to credit file are listed in the report I am a victim of identity theft and did not make the change. I asked that the items be deleted and blocked to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible, thank you for your time.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NC)

I am one of many that has become a victim of the EQUIFAX hack and believe that providing me with one year of credit monitoring service will not keep the hackers from selling my information to XXXX XXXX so they can steal my identity and cause me to become homeless. I am writing this because unfortunately you guys are the only ones honest and with the resources to correct this problem before it turns into a nightmare for the little guy!! Any info and/or actions you can provide will be greatly appreciated by me!!!
Consumer complaint received 2022-09-08
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. (FL)

CFPB + Experian, This complaint is in relation to a credit account this creditor XXXX XXXX  XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2017-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XXXXXXXXXXXX Ph : XXXX I have been getting calls as well as my family members that I owe debt to this company and my credit report does n't show that I owe anything to any collection agency/creditor or I 'm delinquent with any creditors. They mailed a letter to my mom that I am past due with the amount of {$4000.00}. 

This is the information on the letter : Client : XXXX XXXX XXXX File : XXXX Original Creditor : HSBC Account : XXXX Please see collection agency information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Riverside, CA XXXX Phone : XXXX Fax : XXXX
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2021, I opened a XXXX XXXX  account at TD Bank. XXXX XXXX XXXX was the XXXX XXXX who assisted me, XXXX. Since the day that I opened the account, I've had some problems. For example, the day I opened the account, the ATM Card machine went down, so I had to swing by the Bank the next day, to pick up my XXXX XXXX XXXX. Then, someone either switched my ATM card or placed a few codes on it that prevented me from paying the XXXX XXXX. I had to call TD Bank Customer service to have the problem fixed. At times, there's a computer glitch when attempting to log into my online account. 
Time went on, I began to see charges that were not supposed to be on my account. I escalated the problem to the Executives after being mistreated by the XXXX over the phone. The Executives credited my account {$18.00}. Later that week, I walked into a nearby branch and had my ATM card switched. Upon obtaining a new card, the bank employees were able to see that I'm the one who makes all the transactions that were being reflected on another person 's account. Time went on. Someone found out my account has nothing to do with the other account, so I guess they went back to square one.They did something to my card that prevented me from paying public transportation fares. I had to call the bank and email XXXX. 
Now, as of this morning, XXXX, I got charged " Paper Statement Fee '' and Maintenance fee on a XXXX XXXX account, first time. After month XXXX. If I'm not mistaken, there's on a fee if the person does not make more than {$500.00} deposits XXXX something like that ). I've deposited over XXXX XXXX dollars ( monthly ). So, were these fees removed MANUALLY from my account the same way the XXXX XXXX fee of {$48.00} were deducted MANUALLY by a third party? If so, this needs to end. That's a crime! Nobody should be allowed to hack or view another person 's account and MANUALLY deduct money. This is why I'm sending this CFPB complaint.
Consumer complaint received 2022-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (LA)

This account with CONNS with account number XXXX has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have sent 2 Certified Letters on XX/XX/2019 and XX/XX/2019 to Portfolio Recovery Associates, LLC to validate debt and provide me with a signed contract with my signature on the debt they say I owe them in the amount of {$690.00}. I have not received the information requested to Validate debt. All they send are statements from previous creditor that was charged off.
Consumer complaint received 2021-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (NJ)

Upon looking at my credit report, I noticed a collection account with First Federal Credit Control out of XXXX, OH. Once I was able to locate their contact information, I called the company to inquire about the matter. I attempted to call a few times in late XX/XX/2021, and finally made contact with a representative on XX/XX/2021. I spoke with an agent named XXXX who would not give her last name but provided identifier XXXX. XXXX did not even verify my information, just began talking to me about some medical debt from a place I was not familiar with. It concerned me that my information wasnt even safeguarded in the event someone else tried obtaining my information. Its a GLBA requirement ( specifically 15 USC 6801 ) to verify all information prior to giving out personal information ( I have been in the mortgage servicing industry for over 10 years ). I simply asked for written proof of the debt owed, but was talked over and would not be provided the information.
Consumer complaint received 2019-10-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NY)

I have checked my XXXX and XXXX credit reports. I have noticed that the account with Santander regarding a car loan still reflects a balance for {$12000.00}. But this amount was charged off.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX  XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2017-09-09
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. (IL)

I 'm complaining about how Equifax is handling there security leak with the fact that both mine and my wife 's social security number, name, DOB, address and possibly more has been leaked because they have a very WEAK cyber security practice. Why would you have your database linked to web interface without many authorization and allow direct connect is beyond my understanding. The leaking happened during the summer and they also did n't report or make such leak public util early XX/XX/XXXX, which provide window for greater risk for us involved. 

I have to freeze all my credit on three bureaus to make sure my information will not be used inappropriately my criminals, a step which I should never have to take for something that I was not blamed for. I tried to contact Equifax but I could never get through their customer service number to a real person.
Consumer complaint received 2022-02-09
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX XXXX I sent a letter containing : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Without my written consent I have attached an invoice per violation. 
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 
I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Those two accounts are very inaccurate and need to be deleted from my report. I never authorized anybody to open a account nor give any of my information to a third party like XXXX i never sign a contract with no credit agencies so the information being reported should never be on my report by law its a violation of my consumer rights I have all the rights to keep my information private. Only if I allow it to be done publicly with written proof which I ask them for that was never provided within the period time of the investigation.
Consumer complaint received 2017-09-10
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. (CO)

Equifax security breach. Equifax failed to properly protect my private data, causing sensitive information to be shared with unapproved parties, potentially leading to identity theft. ( This issue also affects my spouse. )