davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX  does not service my loan and after consistently sending letters that have all been returned, I just now realize that this company is out of business! This company has never serviced nor held my loan! This company was fined by CFPB for fraudulent activity regarding peoples credit report!
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I contacted Capital One about a fraudulent merchant which advertised a product online then shipped me a completely different product. After providing substantial evidence of the fraudulent merchant, Capital One reversed the original charge back and closed my case without any recourse except to work with the merchant. The merchant however is not responsive as they are running a scam operation. I have battled with both paypal for over 6 months and Capital One for 2 months without any relief.
Consumer complaint received 2022-07-22
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$700.00}.
Consumer complaint received 2024-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX I woke up to a large deposit of {$11000.00} in my XXXX checking account. 
Having no idea where the money came from, I eventually tracked it down. 

It was from a " Flex Loan '' from Citibank that was issued to me through my credit card. 
I never opened this loan. I never requested it. I don't even know what a flex loan is. 

I also happen to have about {$19000.00} in credit card debt from Citibank already, so getting a loan is the last thing I wanted or needed. 

So I called customer service and explained the situation and say that I'd like to give back the money and close this loan that I didn't open or request. Even XXXX. A wash. But I was consistently denied. 
They did issue my a new card, opened a fraud case ( nothing ever happened ). 

Also, this happened with my old card, not my current one. 
I don't have that card number any longer. 

Thus begins my journey. 
Since the beginning of XXXX I have spoken to Supervisers, Executive Response Team, Customer Service; anyone I can. 
I was consistently told that I can't close the account, even if I pay back the money. Since I'm in debt already, the money would go to towards the debt I already have. 
I did pay it back, because I just didn't want it. 

NOW, I pay interest on this loan. My monthly payments have increased. 
I personally feel as if I am being robbed. Citibank is just taking my money every month on a loan I didn't ask for, and no longer have. 

When I tell you I have spoken to every department I possibly can, I am not kidding. 
I am attaching the response from the " Executive Response Team '', which doesn't quite relate to my issue. 

I'm also sending partial copies of a few of my bank statements. 
You can see in XXXX, when I didn't have the loan that my payment was around {$250.00}. 
My interest payments weren't that bad. 

However, in the other two, you can see the Citi Flex Loan XXXX, with {$130.00} interest in XXXX, {$120.00} in XXXX and {$83.00} in XXXX. Plus the flex loan payment of {$270.00}. 

I am at my wits end. 
I can't afford this. I have debt elsewhere as well. I can't keep giving Citibank money. 
I feel as if I am talking and no one is listening. 

I was told time and time again that the Executive Response Team are the people to call. 
I have done that. No help. I filed another complaint. Still waiting to hear what they say, but the agent I spoke to wasn't very helpful. 

Please help I don't know where else to turn, or who to call. 

All I want is my money back, and to get rid of the loan. 
Until then then I will continue to pay a lot more interest that I need to. 

Look forward to hearing from you. 
XXXX XXXX
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

I applied for a job in indeed. I received an answer directly from a company on Indeed stating that I got employed as their personal assistant and my jobs gon na be to run errands. The person sent me 2 checks of {$4900.00}. Before i deposited the check into my td bank account, i asked one of the employee to verify if the check is legit. He told me yess. In the following day, the money was available into my account. i did withdraw the 2 checks. After 2 weeks in a half, i saw that my account is overdraw of {$9500.00}. I went to a precinct to file a complaint. I have a detectif over the case. He collects all the evidence. He gave me the complaint form to give to the bank. I gave them the complaint form. An employee from the bank told me that either way i m the one who gon na pay back the bank. i told them that i do not have {$9500.00} to pay them back. Last week i receive a mail from the bank stating that my account is closed that i need to pay them the full amount in one payment.
Consumer complaint received 2021-06-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (IL)

During the application process for a Home Equitly LIne of Credit ( HELOC ), the lending specialist held the application process hostage, delaying the closing. Loan value is {$25000.00}. The lending specialist, XXXX XXXX XXXX, NMLS # XXXX at US Bank whom is not a legal or tax specialist, i.e. paralegal, licensed attorney, or certified public accountant, proceeded to coerce our Certification of Revocable Trust against my advisement. After I cited specific inaccuracies such as IRS tax reporting identification number and supplied tax certification, the lending specialist continued to " advise '' inaccurate and factually incorrect amendments to the certification. Ultimately, I did not comply with the lending specialist 's requests as this document would not be subject to enforceability with negligent terms. Resulting in continued delay and risk to immediate needs of funds.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NC)

Dated attached is a letter from Loan care regarding the incorrect reporting to the credit agency 's stating an error on their part in reporting my mortgage late on all three credit reports. Technically they are stating that they should only have reported it late for the month of XX/XX/2019 BUT when I went online to pay the full payment the only payment I was allowed to make was the {$130.00} forbearance payment and NOT the full amount. So Loan Care has said that they would correct this with the credit reporting agency 's but as you will see it is NOT corrected on my XXXX  report and it is still be reported that I am 180 days late on this even though I have paid all forbearance payments correctly and on time. With COVID - this should NOT be reported and it has severely effected my credit. I am unable to even obtain different car and homeowners insurance because of it. My XXXX account went from being a XXXX limit to now {$250.00} because of it along with many of my other accounts all credit has been reduced. I am currently in a situation where they have put me in a trial period for a loan modification and that I have to make three payments in the trial to be approved for the loan modification. I went into the forebearance due to losing my job and having my social security stopped as well so I had not enough money to pay the mortgage. I really thought this was my only option as I searched for work which I know have secured. Please help in getting this corrected on my credit reports so that I can actually get car and homeowners insurance at a better deal then I am currently paying.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This is Capital One third time posting the charge of {$460.00} to my account and Ive provided them with how the company didnt not fulfill the services and how the services was not fully rendered as instructed. Capital one keeps posting this to my account without my consent and as a consumer I do not appreciate this at all when I have done my part and they believing a corporation over a consumer
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

I called the number on the law suit filed against me my Midland Credit Management to contact the atty listed on the paperwork. I was told I can't talk to the attorney at this number. I asked about details and options about this and was repeatedly asked questions refusing to answer any question. The paper work in the suit is not in line with details and amounts in the suit and looks like other debts are trying to be included in the suit as additional details going beyond the scope of the suit. This looks like the behavior from the https : //oag.dc.gov/sites/default/files/2018-12/Multistate-Midland-AVC.pdf has been extended to other states and has worsened.
Consumer complaint received 2020-09-18
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. (NY)

Date XX/XX/20 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors.

Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor.

I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : Credit reporting agency name : TRANSUNION Alleged account # ( 1 ) XXXX Creditor XXXX XXXX, account type : Revolving. 

( 2 ) XXXX Creditor XXXX, account type Revolving. 

( 3 ) XXXX Creditor XXXX  account type revolving. 

( 4 ) XXXX Creditor XXXX RE ( Original creditor 08 XXXX XXXX XXXX  ) Account type : Collection
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC. (FL)

The past few months I have been trying to apply for new credit cards as well as a car loan, I have also had some accounts closed for no reason at all... When I went on my credit report to see what was going on I saw that this company AFNI , Inc has reported on my credit that my account with them has been open since XX/XX/XXXX basically it appears on my credit that I RECENTLY opened this account, and defaulted on it in 4 months which is totally false... not only is it completely false but also a huge red flag to all lenders hence the reason nobody is extending credit to me and a few of my accounts were closed due to this... I have worked tirelessly on rebuilding my credit just for it to be snatched away from me... 

The Original Creditor of this account is XXXX XXXX XXXX. This account was opened in XXXX NOT XXXX and I had the account open for about a year before I fell on hard times and defaulted on it. This error has resulted in significant financial loss for me Tip : I have actually made a dispute on the CFPB Website towards XXXX XXXX ( which is the original creditor ) a few years ago. You can clearly see the date on that dispute is far before XXXX
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

Convergent Outsourcing is a debt collector reporting to the bureaus illegally. I requested proof of their claim for the alleged debt XX/XX/2020 via certified mail. They failed to provide proper validation. I also informed them they are illegally reporting under their own name on a Massachusetts consumer credit report in violation of 209 CMR 18.17 ( 11 ). They failed to remove their listing. 
I sent them a second notice XX/XX/2020 via certified mail. They again, failed to provide any proof of ownership of the account or any record of a contract showing my signature in accordance with the alleged debt. 
I sent them a third notice XX/XX/2020 via certified mail informing them I would report to the CFPB on their illegal activities. They ignored my notice.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (NC)

It has been a long time since I viewed my Credit Report and upon checking my Credit Report, I was appalled by the Credit Bureaus lack of concern with a consumer 's Credit File. I noticed many erroneous information being reported on my Credit Report. Im now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$340.00} MEDICAL DATA SYSTEMS I ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX Balance : {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$190.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-21
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. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX
Consumer complaint received 2022-07-22
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. (NC)

It has been a long time since I viewed my Credit Report and upon checking my Credit Report, I was appalled by the Credit Bureaus lack of concern with a consumer 's Credit File. I noticed many erroneous information being reported on my Credit Report. Im now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$190.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-09-18
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: PlusFour, Inc (NV)

To XXXX  Dispute Department, XX/XX/XXXX Re : Dispute claims from Creditor : XXXX XXXX XXXX and XXXX XXXX. 
Report number : Date Generated : XX/XX/XXXX XXXX XXXX. 
Amount : {$110.00} Dear People, This is a complaint against XXXX XXXX XXXX and XXXX XXXX under the federal Fair Debt Collection Practices Act. We allege abusive and deceptive practices. 

For services performed on XXXX XXXX and XX/XX/XXXX0 in XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) has failed to invoice me. To this day they have never sent me a bill for their services. 

Nor did I receive the usual Explanation of Benefit from my insurance company, XXXX XXXX and XXXX ( XXXX ), regarding my co-pay to XXXX. 

The first bill I received was from a collection agency, XXXX XXXX which didn't tell me that I was to be charged daily interest and nor would it report me to credit burau as the case in dispute. 

XX/XX/2020, when I again called XXXX about co-pay to XXXX, insurance agent XXXX again told me there were no claims from XXXX. XXXX called XXXX while I was waiting on line. XXXX at XXXX acknowledged to XXXX XXXX XXXX, that XXXX had made claims to a wrong address. She promised to resubmit claims to XXXX and to bill me. She also agreed to tell collection agency not to pursue actions against me. Taking XXXX 's words, XXXX told me to disregard the bills from collection agency and wait for XXXX bills. However, XXXX didn't take actions as promised. 

XX/XX/2020, I called XXXX to request the claims from XXXX  in writing. XXXX tried to contact XXXX unsuccessfully. I requested a complaint letter to XXXX. 

XX/XX/XXXX, I called XXXX regarding the reply to my complaint letter. There were five separate charges from XXXX  which were confusing, since I have never seen these numbers before. I waited for XXXX itemized bills until XXXX XXXX. 

XXXX XXXX, XXXX automated phone message indicated my balance was five dollars. I spoke to XXXX @ XXXX billing department, who indicated that the balance was {$270.00}. I offered to pay the balance, but XXXX said she would not take credit card payment, I needed to pay in some form of cash. To use credit card, I need to deal with collection agency, XXXX. 

No useful discussion has been possible with the collection agency. They want all the money they can get. 

XXXX XXXX Solutions made a number of mistakes. I was caught in the middle of the mess XXXX made. It is XXXX ' responsibility to resolve this issue for me. I am willing to pay {$270.00}, with no additional fees, nor interest. 

I didn't learn about the itemized bills until XX/XX/XXXX, when XXXX answered my complaint. To this day, I still have not gotten any itemized bills in writing from XXXX. 

In the middle of the pandemic, many things have gone wrong. It is unfair for any business to ignore the facts, especially its own mistakes. 

Sincerely, Copy to : XXXX XXXX XXXX XXXX XXXX. 
FTC