davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I sent money via PayPal 4 times using friends and family option. The seller XXXX XXXX uses friends and family XXXX XXXX and XXXX XXXX both registered PayPal users to take the funds and never ship the goods or provide the services. Many PayPal users are being scammed this way and PayPal allows this scamming to prosper never investigating blatant scamming. I consider PayPal to be complicit in these transactions and really should be fully investigated in this regard. I am a XXXX  XXXX citizen but transferred US $ via PayPal and expect my complaint to be fully investigated. I'm looking for a full refund from PayPal on all 4 transactions. Also this service paying via friends and family method must either be shut down or fully covered by PayPal as they take a fee for this service.
Consumer complaint received 2022-07-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 2022-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX CXXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2018-03-15
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: UNITED ONE RESOURCES, INC. (MD)

United One has repeatedly pulled my credit without my consent. The last time, in XX/XX/XXXX, I put in complaints and the hard inquiry was removed. Now, in XX/XX/XXXX, they are pulling my credit again without my consent. This is adversely affecting my credit score through no fault of my own.
Consumer complaint received 2018-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was never late with on any payments with Capital One, It has a XX/XX/XXXX late payment reporting on my credit report on all 3 bureaus. I have been a loyal customer since XXXX. I never had a history of late reporting, however there is a history on my reporting XX/XX/XXXX which I dispute. I never disputing XX/XX/XXXX because I thought it was a oversight. The one from XX/XX/XXXX it really seriously affecting me!!!
Consumer complaint received 2021-11-04
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)

i have reached out to all 3 credit bureaus 10 times each so that they can investigate the 100 % accuracy of the reporting of the account in question ( XXXX XXXX XXXX XXXX XXXX ) ... .each time it comes back verified ... ..How can they say that this is verified if the reporting doesn't even match all the way across all 3 bureaus as is required by law? They are not in compliance ... .they are not investigating the reporting ... .i have attached a copy of the 3 bureau report so that you can see the discrepancies in the reporting Transunion is reporting a balance of {$13000.00}, XXXX is reporting {$13000.00}, and XXXX {$13000.00} Transunion is reporting a past due of {$13000.00} XXXX is reporting {$13000.00}, and XXXX {$13000.00} Transunion is reporting a high credit of {$9800.00} XXXX is reporting {$9800.00}, and XXXX {$7000.00} Also take a look at the inconsistant reporting in the 2 year payment history and thats just to name a few violations ...... 

This was a " charged off '' account that was sold to a collection agency and is still reporting a balance that is a violation This was a " charged off '' account that was sold to a collection agency and is still reporting a past due that is a violation
Consumer complaint received 2018-12-04
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. (NV)

Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX and Transunion to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (NC)

I am one of the many affected by the RushCard fiasco. Today is the XX/XX/2015. My card is still being declined. I spent XXXX hrs on hold today. I have received txt saying my funds are on my old expired card.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

Since the closing of my business, in 2009, which created for me much financial difficulty, I have been granted 2 separate loan modifications. First with XXXX which during this time became Ocwen. My first complaint would be the prolonging of the application process. The first took several months of a trial period payment which I paid on time each month but undenounced to me was reported as being 30 days late each month, making my once XXXX credit score to substantially lower, even though they assured me my credit would not be affected. In addition, before the first modification was granted my principal balance was {$150000.00}. and now after the second {$280000.00}. Understanding that I did not pay my mortgage periodically and that would of course be added in, and not being able to afford legal counsel, I never got straight answers or supplied factual documentation to answer my questions of how the figures added up, and then time would run out and I felt forced to sign or my house would be taken. I understand I am still in my house and I am grateful but I am upside down on my house and my credit is now damaged. After paying on my house for 15 years, I owe almost double of what I financed it for! How is this even legal, never mind fair! How is that helping??
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On repeated attempts I have submitted to Capital One Bank to remove late notices on all XXXX of my credit reports for the time period of XXXX XXXX to XXXX XXXX as my payments were made to a credit counceling company who paid Capital One directly. Prior to XXXX XXXX and after XXXX XXXX payments to Capital One have been in good standing. I have spoke to different representatives of Capital One who have informed me they would remove these marks. I have held the card since XXXX XXXX and have not used the account for multiple years.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

Last XXXXXXXX XXXX I applied for a purchase money home mortgage with two lenders, one of which was Rocket Mortgage ( the other was a XXXXXXXX XXXX ). Rocket provided an estimate of charges ( Loan Estimate ) which included under the section " Loan Costs ; services you can not shop for '' a listed appraisal fee of {$1100.00}. They required me to provide a credit card for the credit report and appraisal fee at the onset of my application. When I got my credit card statement ( copy enclosed ), they had charged me not the {$1100.00} quoted, but a whopping {$1900.00} appraisal fee which was {$760.00} ABOVE the estimate ( a 65 % excess over quoted charge ). Incidentally, the other lender 's appraisal fee ( for the exact same property at the exact same time ) was {$690.00}. I have previously contacted Rocket Mortgage and my credit card issuer, to no avail. After questioning Rocket Mortgage about the disparity between the estimate and bill, they provided me with an invoice ( copy enclosed ) showing {$1900.00} from a vendor " XXXX  '' whom I had never previously heard of and had not authorized sub-contracting to or hiring. In defense of my claim of excessive and unauthorized Appraisal Fee charge, I enclose the monthly statement from XXXX XXXX where the charge was first posted. NOTE that on the same statement, the {$690.00} appraisal fee from XXXX XXXX also appears. 
Also Enclosed is a copy of the Loan Estimate where, on page 2, under Closing Cost Details, Item B '' the appraisal fee is listed as {$1100.00}. This is the only amount I authorized.
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately
Consumer complaint received 2022-07-19
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. (LA)

In accordance with the FCRA, XXXX XXXX XXXX as well as XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

XXXX XXXX XXXX XXXX XXXX Account : xxxxxx XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX XXXX Amount Owed {$720.00} XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed {$1600.00}
Consumer complaint received 2023-04-03
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. (PA)

This process is my attempt to follow up on my complaint to make sure that these items are removed from my file : 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 The listed items are erroneously reported in my credit report, please remove or block them.
Consumer complaint received 2016-10-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I am applying for a credit card from Capital One. It has involved several phone calls as they rejected my application due to a mistake. Every time I call, the call center representative asks for my FULL social security number. That ca n't be right. That puts my identity at risk. I have already had someone file false tax returns with the IRS using my SSN. So I am very sensitive about giving out this information. But Capital One wo n't talk to me about my application unless I give her that information, because they say they otherwise do not know who I am. But I have a name, an application number, and a birthdate. Why is that information not sufficient? Why is it legal that they have to require my FULL SSN?
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I paid my balance in full on XX/XX/XXXX I mistakenly shorted the amount by {$.00}. On XX/XX/XXXX I was charged and interest fee of {$19.00}. I ignored the statement emails since I knew I paid the balance. On XX/XX/XXXX I noticed on credit karma my score dropped XXXX points when I looked it was BOA late payment. I pulled up past statements and found the shortage. I called and offered to pay the {$.00} they said I would have to pay in full and they would request the interest be removed but there is no guarantee. I was disgusted with this resolution so I paid in full and requested my account be closed. I feel this is unethical business practice and no one should do business with them.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OR)

I had disputed multiple items with all XXXX credit bureaus. It did n't even seem like they did investigation since a couple creditors had said I was correct and that it would be removed. So I sent a second letter asking for information on how the investigated it. Still nothing. Sent third letter letting them know they were n't following the laws and asked them to remove the items within 15 days and they are still in reports.
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have called Capital One asking for an APR interest rate reduction and they have stated that my current rate at 20.9 % is the lowest rate. However the Capital One APR range shows as 12.9 % -22.9 % variable APR. I have other credit cards at 13.99 % rate. I am submitting a complaint because no one at Capital One seems to understand the lower APR due to the law.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the FCRA, XXXX XXXX XXXX as well as XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

XXXX XXXX XXXX XXXX XXXX Account : xxxxxx XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX Amount Owed {$720.00} XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed {$1600.00}
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (CA)

I was filing my taxes through XXXXXXXX XXXX XXXX and I wanted to set up the credit karma money account to be able to direct deposit my taxes. I have tried for XXXX days to accomplish this and have failed. I have received XXXX different errors from credit karma stating that my info cant be verified and I am not the same person filing my taxes. This is absurd as I have been filing my taxes with XXXX XXXX XXXXor 9 years and have been a credit karma consumer for 9 years. If my info cant be verified the. How was I able to create a credit karma account. I chatted with XXXX from CK chat support and she just flat out to me they cant verify my info and she cant tell me what info cant be verified and I just cant open the account. This makes no sense, their website states if you are having trouble making the account you will have to be manually verified and no one is helping with that.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo created a fake credit card in my name. I was never notified about this until they started piling fees onto the card, closed the account after the amount owed was about {$100.00} over the spending limit for the card, and sent it to collections, at which point I started getting phone calls. Since then, I was given a settlement check in the class-action lawsuit about this issue, but the account still shows up on my credit report. I tried disputing it with the credit agencies multiple times to no avail, and then with Wells Fargo themselves, and it is STILL on my credit report - it looks like they actually reopened it and reclosed it due to my complaint, which will keep it on my credit report for another 7 years, even though I never applied for a credit card, never received one, and never signed anything, AND the company recognized their actions against me as unlawful ( I received a settlement check ).
Consumer complaint received 2022-07-19
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: JPMORGAN CHASE & CO. (AZ)

I'm respectfully requesting that a 30 day late payment be removed. Thought I opted for automatic payments but I guess it didn't go through. So I'm wanting to remove from my credit report that the 30 day late be removed so I can purchase a home. The loan has been paid off on XX/XX/2022 XXXX XXXX
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (DE)

I have reached out to LexisNexis Several times and also had my attorny send them notice about an alleged bankruptcy reporting on my file. Ive asked them multiple times for proof and they have none with is a FCRA violation.
Consumer complaint received 2016-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING put collection on my credit for a XXXX account. I had insurance with XXXX. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from LVNV and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

I paid off a mortgage with Fifth Third Bank and the pay off was much larger than the principle. A few XXXX was explained but {$6800.00} was sent to their forbearance department and no one there can explain where it went or what for. Today I talked to XXXX who put me on hold and then XXXX picked up who eventually dropped the call. I used their messaging system and XXXX once asked about the {$6800.00} I accidently lost connection with him. I started, just trying to find out what interest I paid in 2021 and after digging had questions and am not getting any answers or help. It is almost like the fraudulently took the money over and above my payoff.
Consumer complaint received 2021-05-20
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: I.C. System, Inc. (NC)

I have received a copy of my credit report and it shows company I C SYSTEM ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2017-01-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Consulting Services, Inc. (CA)

I was paying a debt that I owed and entered into a payment arrangement with the collection agency. and when the debt was settled they continued to charge my debit card and collect the arranged amount. after the second time they collected this amount from me I received a letter stating the debt has been satisfied .it was satisfied XX/XX/XXXX but there was an overpayment XX/XX/XXXX and they collected again XX/XX/XXXX .when I received a letter stating they were going to charge my account again XX/XX/XXXX. I called them and it was then she told me they were now collecting for another debt. that I knew nothing about. I have never received notice of this debt. or any statement for this new debt. so I asked for them to refund the money that they took from me but she said they would not refund it even though I disputed the debt. to me this is criminal and should be treated as theft.