davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
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: STATE EMPLOYEES CREDIT UNION (NC)

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX NC XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft SECU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. STATE EMPLOYEES CRED U Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. XXXX  Account Number : XXXX Please remove it from my credit report. 

11. Account Number : XXXX Please remove it from my credit report. 

12. Account Number : XXXX Please remove it from my credit report. 

13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2015-08-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

My mortgage company Ocwen Loan Servicing canceled my insurance. I was on a XXXX way call with Ocwen ( XXXX ) and my insurance company, XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. A payment was arranged and Ocwen assured me they were overnight the payment. I did not hear anything more until XXXX of this year. I received a noticed from Ocwen that they were placing force place insurance on my property because I did not have insurance. I called numerous times because I have money in my escrow to cover the insurance. I finally found out Ocwen never sent my payment in XXXX or XXXX. I was never notified by either company that the payment was never paid or received. I also spoke to XXXX, senior underwriter of XXXX XXXX. I explain the situation to them and asked why they did not notify me that it was canceled for non-payment. She was very rude and would not help me at all. I lost my {$250.00} deductible and my renewal discount that I had since XXXX. She wanted to sell me a new policy with a higher rate and higher deductible. I asked why I was never notified and what happened with the payment and she told me XXXX no longer works there. I asked to speak to XXXX XXXX the owner. I spoke to him once and he was suppose to get back to me but he never did. I have called numerous times after but every time I ask for him, they transfer me to XXXX. 

I also have numerous calls to Ocwen. I have spoken to several supervisor regarding this and no one can fix it. As of XXXX XXXX, my insurance will be canceled again if I do n't pay the higher price. I have been paying my mortgage on time for years. I do n't understand how this can happen and how they can just raise my payments ( to cover the escrow shortage due to the more expensive homeowners policy ). This is not a way to do business. I am a hard working XXXX person trying to keep my mortgage current. I should have never lost my insurance and my payment should not have gone up over {$150.00} a month. What are my resources to get this corrected? What are my opinions? Do I have to sue?
Consumer complaint received 2024-02-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CA)

When ever I try to see my balance remaining with Vanilla gift prepaid card it just says NotificationA system error has occurred. Please try again later This is getting ridiculous. Nothing but trouble with what should be a easy experience.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (TX)

During the pandemic 2021 the credit reporting agency experian aloud you to receive and monitor your report for free each month. Somehow I was upgraded to receive reports from all three credit reporting agencies I never authorized this. When I noticed it 9 months I had been getting billed for the upgraded the whole time. I contacted them and they reimburse me for two payments. I was told to contact my bank to receive the remaining balance. The bank credited my account with {$250.00} and 3 or 4 weeks later the bank took the {$250.00} back. I was informed that to much time had passed before I call to inform them of this unauthorized transaction. My bank is XXXX XXXX I'd like to see if I can recover this from the bank or experian?
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MD)

To Whom it may concern I have recently review a copy of my consumer report and have noticed that there is a collection furnish on my report that I know nothing about, nor am I sure that it is even my debt. The misinformation being furnished to my consumer report is negatively effecting my credit worthiness and may have substancial financial consquences for me and my future The debt furnished on my consumer report reads as followed I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX According to the Federal Laws governing debt collection and Credit Reporting FDCPA and the FCRA you have violated my consumer rights under the following 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 12 CFR 1006.34 ( d ) 15 USC 1681s-2 ( a ) Debt collectors are required to abide by these strict guidelines inorder to ensure the accurancy of the debts that they report and providing verification of the debt upon the request from a consumer I XXXX XXXX am formely requesting the following actions to be taken in regards to the incorrect debt being furnished on my consumer report 1 - Provide me with detailed information about the ownership of the debt in question to include the account number, original creditor, and all documentation related to this debt to include your forward flow agreement between your company and the original creditor 2 - Cease any and all collection activities in relation to this debt until the validation process is complete 3 - Investigate the source of the error and promptly update my consumer report with the 100 % accurate information 4 - Confirm in writing that this debt has been removed from my consumer report and that there will no longer be any attempts to collect on this debt I am urging your agency to comply with the above requested actions as it is mandated by Federal Law. So please do so inorder to prevent any potential legal consequences for non compliance.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: PLAID INC. (FL)

Can not contact the company reporting a problem with my credit and background. The company is called PLAID. Can not find any valid way to contact them to have them submit a copy of my report to me personally so I can see if they are wrong! 
Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (ND)

On XX/XX/XXXX I sent a letter to dispute the amount and if the debt is mine on my Citifinancial Credit Card. The XXXX time XXXX @ XXXX PA from XXXX, MN that I just got diagnosed with Bipolar XXXX disorder on XXXX XXXX during the time frame between XXXX til XXXX I was manic with complete XXXX out episode lasting months at a time. Citifinancial closed my account around XX/XX/XXXX. When XXXX called the XXXX time sometime in XXXX I told them about my bipolar XXXX disorder and I was having complete XXXX out episodes. I don't remember using my credit card at all in XXXX and XXXX. When they called the XXXX time i explained the situation to them. They said it's all your debt. from all reviews on line it appears XXXX @ XXXX XXXX is very aggressive and effective in collecting debt. I just need some help, it feels like they have no conscience about how they collect the debt, as long as they get the money by any means possible.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAINE & WEINER COMPANY, INC. (NY)

This corporation has invaded my privacy and violated the GLBA I demand a proper reinvestigation into this matter as damages have happened due to this un fair reporting in pursuant of 15 USC 6801 a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I never gave this corporation permissible use to report this information. And they never clearly or conspicuously disclosed that they would disclose this account furthermore, they never gave me the opportunity to opt out of this account being reported in ( b ) opt out ( 1 ) in General a financial institute may not disclose personal information to the non-affiliate third-party, unless ( A ) such financial Institute clearly and conspicuously disclose to the consumer in writing, or other electric forms permitted by regulations prescribe under section 6804 of this title that such information may be disclosed to such third-party. I demand a deletion of this account from my consumer report as they are using many deceptive means to attempt to collect this such alleged debt if Im not taking serious, I would take this matter to a court in my area since they do business there.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (FL)

Consumer Financial Protection Bureau Dear Sir/Madam , I am writing to report an ongoing issue with certain collection items appearing on my XXXX credit report. These items were recommended as not valid by XXXX, and upon disputing them through XXXX, they were found to be invalid and subsequently removed from my report. However, the same items persist on my XXXX report, causing significant distress and impacting my financial standing. 

The following are the details of the collection items : CAINE & WEINER Date Opened : XX/XX/XXXX Amount : {$360.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Despite being paid off, XXXX of these items have remained on my report for over XXXX years. Moreover, the creditors associated with these items seem to be manipulating the dates and re-adding them periodically, which I believe to be aggressive and potentially illegal tactics to extort money. 

I attempted to dispute these items through XXXX, as recommended, but have encountered difficulties in reaching them for resolution. An automated message on XXXX XXXX directed me to contact either the state comptroller or your agency to report these issues. 

The inaccuracies on my XXXX report are adversely affecting my life, and I feel unjustly held XXXX by these unjust entries. My XXXX report accurately reflects XXXX items in collection, and it is imperative that XXXX and XXXX reflect the same. 

I appreciate your attention to this matter and request your assistance in rectifying the inaccuracies on my XXXX report. I am prepared to provide any additional information necessary to facilitate the resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

Paypal sent {$120.00} ( {$120.00} ) with fees to XXXX XXXX. Which was a unauthorized transaction. I tried to ask XXXX for it back. She said she never received. Then paypal denied my request
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (PA)

GM FINANCIAL Account type - Auto Lease Date opened - XX/XX/year> Above Account created under GM FINANCIAL without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (OH)

I have been a victim of identity theft. I have submitted several letters to all three of these credit bureau agencies and they have yet to remove these fraudulent items from my credit report. In my attachment, I have included my investigation letters with the fraudulent items and my FTC report that contains the items that need to be removed.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

XXXX, Senior Account Supervisor, ID # XXXX, refused to provide the Internet Provider Address that was used by an identity thief using my personal information including my Social Security Number ( SSN ). XXXX XXXX provided this information so why can not Capital One provide this information. I am trying to find out who is using my personal information so that I may prosecute them, but it feels like Capital One is protecting an identity thief.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I disputed on XX/XX/year> an account for XXXX posted on my credit report. This company did not have my written consent to disclose my personal information with a nonaffiliated third party. According to laws 15 USC 6802 ( b ) ( c ) and 15 USC 1681C ( a ) ( 5 ).
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (WA)

I have a pest control service that comes at random times without telling me to provide pest mitigation services outside my home. They sent me an en email on XXXX about paying for their services and I missed the email. They did not attempt to leave a voicemail or send a paper notice. I paid as soon as I realized that I missed their email on XXXX. I then started getting debt collection text around XX/XX/XXXX. I emailed the pest control company, XXXX and they confirmed my debt was paid on XX/XX/XXXX and XX/XX/XXXX. I continued to get text messages multiple times a day from a debt collector, A.R.M. solutions and received a paper collection notice dated XX/XX/XXXX. I called XXXX again on XX/XX/XXXX and they confirmed again that my account was paid in full. I called A.R.M solutions and they said they had no record of my account being updated or paid. They even said they would call XXXX and when I asked if they had XXXX 's number, they said actually their not allowed to call and verify the debt during the pre-collection phase. At this point, A.R.M. solutions is not verifying my debt and is refusing to help. Their California License No is XXXX.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (MO)

Company is clearly purchasing very old debts and attempting collection on them. As the debt in question is from XXXX it is no longer valid or collectable and has been off my credit report for years. This company is very well aware of this and filed it onto all my credit reports anyway causing harm to my credit score. From the number of complaints on the XXXX about this company doing the same thing to thousands of others it is clear this company is flagrantly violating the laws concerning old debts.
Consumer complaint received 2021-11-27
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. (OH)

After repeated attempts to dispute accounts that are not valid, both Experian and XXXX who have been hacked or breached, continue to report false information that is having a negative impact on my credit report. I have disputed negative inaccurate information with the companies as well as with each of the major credit reporting bureaus, initiated credit freezes and placed a fraud alert on my account and yet they continue to ignore the fact that the proper actions have been taken. It seems that every time I get my credit report that there is another account that is listed with negative information thereby having a major impact on my credit score. The fact that these XXXX companies, first XXXX, and now Experian have allowed my personal information to be exposed is like a slap in the face because of all of the places that could be hacked these XXXX should be the first ones that are willing to address the issues that I have submitted and be responsible enough to assist me in correcting the information that they allow to be placed on my account without proper verification. There are many inquiries that I have just been made aware of that definitely should not have been allowed to take place especially because I have made them aware of possible fraudulent activity and transactions that have occurred since the XXXX breach in 2017. Because I have not been able to resolve this problem I am filing this complaint with your agency and look forward to seeking help with the next course of action in order to proceed with repairing my credit and securing my personal information so that it remains private from now on.
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have a Fifth Third Bank XXXX, and paid off the entire balance on XXXX/XXXX/XXXX. My account has been overpaid by XXXX. I have called the bank at least 6 times, and each time I get a different explanation. To date the XXXX has not been received. I feel that this is unacceptable.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

My bank chase denied my dispute, when i provided them evidence for the dispute, they did no care about looking into my problem, they just dont care. 

Im disputing a transaction for the amount of XXXX, a company did work on my car and put incorrect parts on my car not as descrived, i contacted chase to open a dispute and they dont care. Claim number XXXX
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

We have Mastercard credit card with Capital One. Even though we have paid in full and on time, in the past two months we have been charged a fee for interest for late payment. In each of those billing periods, full payment was mailed at our local XXXX XXXX XXXX or more days prior to the due date. It is simply not possible or credible that our payment checks would take more than 10 days to go from XXXX XXXX to XXXX XXXX, XXXX.It is most likely that the payment is received by Capital One and is not immediately deposited. There is no other logical reason for this to repeatedly occur.

We have been stone-walled by Capital One and are at the point where we expect to cancel our credit card with them because of their extremely poor customer service.

We have paid on time and in full and should not have interest assessed against us, especially since no late fee was assessed for the purportedly-late payment.
Consumer complaint received 2024-02-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

I received my first eviction notice went to the office and paid the debt they said I owed. I do have messages between me and someone who works in the office XXXX. They let me stay there then my rent went up ( which I Paid ) except for XXXX of XXXX  because they evicted me that month saying I had my sister staying with me which she wasn't. That what my eviction for so now I'm trying to see how I owe? The credit company called me and I asked for a copy of what they trying to make me pay the agent said he will email it over to me took my email and I never received the email.