davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (ID)

I went to the Experian website to look at my " free '' credit score as advertised on television and all over the webpage. Turns out they charge you {$1.00}. I did not know that by paying the {$1.00} fee they enroll you in a monthly membership that charges {$21.00} a month. I was charged twice before receiving my credit card bill and noticing the fraudulent charge. To cancel, the company forces you to call them. I called to cancel and request a refund. They cancelled my " membership '' that I never wanted and never signed up for and refunded one charge but refused to refund the other one because " it 's their process. '' All XXXX of the call center representatives with whom I spoke refused to transfer me to someone who would solve the problem. They kept insisting on giving me an email address. Why should I have to email when " their process '' according to the website forced me to call them in the first place? On top of that, the last agent I spoke with hung up on me despite my request that he not hang up on me. I was civil but firm the entire call. There was no acceptable excuse for hanging up on me. This company is a fraud and participates in false advertising practices. I posted a complaint on their XXXX page and noticed that every post from non-employees was a complaint about this same issue. They are not up-front with their practices and trick users into paying for a service that is n't wanted.
Consumer complaint received 2022-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

The representative and I was discussing options on paying off an old credit card debt. The only reason this account became behind is because my son past away. when I was discussing my options of settlement or pay in full the representative said if I paid in full the account would fall off and be deleted off my credit report XXXX, XXXX, and XXXX XXXX. the account is still on my credit report affecting it negatively. I paid the account in full on XXXX XXXX thru XXXX I spoke to XXXX XXXX from Bank of America. He said he put in a request to have the account deleted off XXXX, XXXX, and XXXX. he gave me a dispute number of XXXX his number is XXXX Extention XXXX I had conversation on XXXX with XXXX XXXX who admitted to not listening to all audio from this case. how can you conduct a proper investigation without listening to all audio? Bank of America is cover there tracks and are nothing but liars.
Consumer complaint received 2022-02-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions 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 : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX This account has many violations and inaccurate information. The dates reported on all bureaus are different. The dates of last activity for all 3 bureaus are different. The last payment for all bbureaus are different. This account is violating my consumer rights and must be deleted immediately. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (FL)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX RE XXXX XXXX acct. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit reports You are reporting a late payments .and accordance with the fair credit act first progress has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Convenience checks — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Over the past year for my business, I have borrowed money from my Capital One Spark Business Credit Card through a program called " No Hassle Checks. '' I have done it four times and paid it off immediately. On XXXX XXXX, 2016, I requested a check and they said it would take at least 10 business days to arrive. On XXXX XXXX, 2016, I received notification of an invoice due On XXXX XXXX, 2016. I have n't even received the check yet, never mind cashed or used it, but Capital One is already charging me? And charging me 24 % interest to boot! They are charging me 24 % interest on a transaction that has n't even occurred yet? This ca n't be right. Its already disgusting the rates at which they are able to charge, but now they are able to charge on hypothetical transactions? Something needs to be done about this. The blatant fraud of these banks knows no boundaries.
Consumer complaint received 2015-11-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My issue is that there are several XXXX dollars worth of deposit transactions to a couple of foreign binary options brokers that turned out to be fraudulent. The merchant, that is, turned out to be fraudulent. It is illegal for these merchants to do business with United States citizens unless they are regulated and licensed with the CFTC. Neither of them are regulated or licensed with the CFTC, but the merchants lied to me and said that they were. I have been making deposits to these fraudulent companies since XXXX, 2015. I only found out they were fraudulent when I tried to make a withdraw of my funds and they never sent them to me and after a few phone calls they locked me out of my account. So they stole my money! I had about {$75000.00} in XXXX account and about {$65000.00} in the other. I 'm only asking for my original deposits/investment back. 

Now, I originally filed a dispute with my debit card for these deposits as unauthorized transactions because the merchant was n't authorized to do business in the United States. Apparently, I should have categorized it differently. The debit card company investigated these disputes as such. The first dispute ( there were XXXX separate disputes about a month apart ) was found in my favor. However, I only received about {$1500.00} of the $ XXXX+ in that dispute. It was the XXXX most recent transactions at the time. The second dispute resulted in nothing. They closed the case because I had authorized the transactions. Again, I should have categorized the dispute differently. I tried to explain this to my debit card company but they wo n't reopen the investigation and refuse to issue any type of refund. This dispute also had around $ XXXX in transactions. 

Now, the reason there were XXXX disputes about a month apart is that it turned out that the same company owns both binary options brokers but the debit card transactions showed differently. So even though I was trading at XXXX companies I was basically trading at the same company. 

The total amount of both disputes is about {$55000.00}. And yes, this began back in XXXX of this year. I realize that 's 10 months ago ; however, I believe these are special circumstances because of the way I was defrauded. The company led me on for 10 months.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (WA)

I opened a US bank account a few months back. US Bank 's tech team believes there have been some fraudulent transactions and closed the account and deactivated online banking without any communication or my consent ( I have not made any fraudulent transactions ). It took me numerous calls, multiple visits to the bank for 2-3 months to get our hard-earned money that was blocked in the US Bank account. I recently opened a US Bank credit card. They approved it, but once I received the card, I realized that I am unable to login to my online banking ( as they previously deactivated it ) or create new login credentials. I called their tech support and they are saying that I should get access to online banking, but they are unable to resolve the issue and give me internet banking access. Now I am left with a credit card without access to Internet banking and it is becoming difficult to maintain the card. Appreciate your help in getting my online banking access. It would have been fine if they would not have approved my credit card in the first place. But approving it, hitting my credit report and not giving me online banking is not fair. 

I raised this complaint of CFPB already and the bank responded saying that they released hold on the online banking. However, i still see the same issue while logging in. Attaching the screenshot.
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " YOUR EMAIL HERE ''
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

A collection agency is reporting {$840.00} to my credit report. They verified the account to the credit bureau when I sent a dispute to the credit reporting agencies. I proceeded to sending the collection agency a letter asking for the signed documents for that debt. That was in XX/XX/2020. I have not received as response.
Consumer complaint received 2022-07-20
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. (TX)

This is my XXXX attempt to dispute the information in my credit file which is resulted from an identity theft. The Credit Bureaus has no response regarding this issue. Again, Im sending over Identity Theft Report # XXXX Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. The following items listed below are unknown to me and need to remove from my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Inquiry Date XX/XX/2021 ;
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: EOS Holdings, Inc. (MA)

EOS CCA asked for verification of my address and last XXXX of social. They said they take care of private personal matters but never disclosed this was to collect a debt. In addition when asked repeatedly what company they were calling on behalf of, they said they could not reveal that information. I said that is the law but they still refused to give the information. I said I would not be verifying anything until they mentioned the client they were calling on behalf of since I do n't know what EOS CCA is.
Consumer complaint received 2022-07-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-04
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. (AL)

Hi I received my credit file in the mail and there are accounts listed that are showing negative payment history. All accounts should have excellent payment history and I talk pride in that. The credit bureaus have decided to ignore my letters requesting the correction to be made. The accounts XXXX XXXX and XXXX should have show EXCELLENT payment history, there are no late payments made. The XXXX XXXX account is definitely not a account of mine. I have no association to the to company at all nor have I ever.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Hi I received my credit file in the mail and there are accounts listed that are showing negative payment history. All accounts should have excellent payment history and I talk pride in that. The credit bureaus have decided to ignore my letters requesting the correction to be made. The accounts XXXX XXXX and XXXX should have show EXCELLENT payment history, there are no late payments made. The XXXX XXXX account is definitely not a account of mine. I have no association to the to company at all nor have I ever.
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (WI)

On XXXX/XXXX/15 {$950.00} was directly deposited to my rushcard. Immediately I made some purchases. Leaving an available balance of {$590.00} on my rush card. On XXXX/XXXX/15 I received a text message saying my card has been blocked and to contact a representative at rush card. Numerous attempts were made to contact a rep. On XXXX I found out I would have to wait for rush card officials to " fix '' their system in order to spend my own money. Not one rep could tell me when this would take place. As of this evening I 'm still not given a specific time frame my hard earned money would be available to me
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit XXXX date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (PA)

Loan officer at quicken loans did not explain fees up front and lied when I directly asked the question about fees. She eventually apologized saying she misunderstood. Once I submitted my application and submitted my {$500.00} appraisal deposit she refused to order the appraisal saying I need to submit all my documentation to order the appraisal. I know this is not the case and want them to start processing my loan or the sellers agent said they will terminate the agreement. I also need to get a credit decision for their special loan program and told the loan officer if I do n't qualify for that program I would not use them. I think she is stalling to get closer to settlement date so I do n't have the option to start elsewhere. The loan officer said I was approved for the special program even though she is not an underwriter and did not have an underwriter look at the file.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Someone stole my card information and used my card on a website I have never heard of before. The website shows on my statement as woot and the amount that was charged is {$890.00}. I disputed this charge with Citi bank by calling on XX/XX/XXXX and was told that I am 100 % protected by citi and that they cover you from fraud charges. I was the investigation would take 90 days for then to complete but the dispute is still open and just sitting there. They took my temporary credit off too and now this reported to my credit as a balance and I have a minimum payment due with the dispute open for a product or service I never authorised or received. When I call and I called close to 14 times, I am told that either their system is down, they are working on it and they told me I can not get a temporary credit anymore and I just have to wait. My 90 is now up and still no update and the dispute is just sitting there. They keep telling me I'm good and everything is okay, but I still have a balance and a payment due. They are not following their policy and not doing any investigation. I did not ever use my card for any purchase of that amount or on that website.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (FL)

Ive had an account for a long time that I seldom ever use with crypto.com and when I logged in it said my account has been frozen by this company for unknown reasons and to reach out via email. I did. Several times, Ive attempted to contact them to access my funds and remove them from this platform numerous times on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. The company sends the same automated generic email over and over. I still have no response, or have talked to anyone, nor am I able to speak to anyone or call to resolve this issue with this company.