davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have been a Capital One customers for many years. The account ( My Quicksilver card ) in question I have had for two years, paying off my balance as I went. In XX/XX/2020 they decided to grant me access to credit limit as soon as I made a payment. In XX/XX/2020 they placed a hold on my account causing me to call in to speak with an agent. They advised the need to validate my bank account and to ensure all the payments have cleared since I made multiple like I always do. We called my bank to ensure all payments were cleared so they could remove the hold, which they did. I asked how could I avoid this in the future, did I do anything wrong? They advised no keep using the card as normal, which I did. XX/XX/2020, they placed a 26 day hold on my account which expires XX/XX/2020. I called and no one can tell why the hold was placed and no one can removed it. They covered the general criteria of why a 26 day hold would placed on my payments. The agent confirms my account did not meet the criteria and she couldn't tell me why it was placed. Spoke to a supervisor they said the same thing with the added if you make multiple payments in a billing cycle they can place a hold on your account, but for two years I have always done that. They need time for the payments to post, which I find it odd they need 26 days for payments to post to the account. I was told in XXXX I am a great customer, have access to your credit line when you hit submit on a payment. In XXXX, hey we have to validate your payments from your bank account, but don't worry now that we have done just keep using your card the same way. Now in XXXX, we have placed a hold for 26 days, we won't tell you why, the computer does it automatically, and no one can remove it. 

I am being treated as a criminal, the terms and conditions have turned into a weapon against me, and there is no way for me to fix it because Capital One doesn't want to fix it. On top of the that, my other Capital One card which I use in the same fashion doesn't have a hold on it. I have had that card for less time, they both have the same credit limit, but the Quicksilver is a rewards card. I was told to use my card as normal but being punished because Capital One is afraid to pay XXXX to XXXX cents of rewards to me, a loyal customer. I can say that with certainty since my other non rewards card doesn't have a hold at all.
Consumer complaint received 2022-10-12
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: JPMORGAN CHASE & CO. (OR)

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are XX/XX/2021 2021
Consumer complaint received 2022-05-25
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. (SC)

XXXX XXXX Date : XX/XX/2021 Amount : {$350.00} In accordance with the Fair Credit Reporting Act XXXX  Account # 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 2022-05-24
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: World Acceptance Corporation (KY)

In accordance with the Fair Credit Reporting act XXXX the following accounts, has violated my rights and inquiries were not made on my behalf. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-12
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XXXX XXXX XXXX XXXX 2021 2021
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020 Experian charged a debit card of mine that they did not have access to. I thought that I was under the free membership and logged in today once I noticed the charge. Before they deleted info not too long ago I was able to view my old card info in their system. Their system had my old card info that has been deactivated so I don't understand how they were able to charge my account. Also, in checking my emails to try to find out what in the world was going on, I found an email from them from XX/XX/2020 ( yesterday ) stating that they tried to charge my old card ( XXXX ) for membership but was not successful because the card was either old or I may have switched banks which confirms that they knew that the card was not active. How in the world did they gain access to my bank account and charge my new card without me providing this information to them? 

My bank has also confirmed that the card ending in XXXX was not active yesterday or today and are not able to explain how they were able to charge me the {$24.00}.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (KS)

I previously banked online with Simple. On XX/XX/2021, Simple transitioned to BBVA. On that date, I was unable to establish online access due to a " system error '', as were a large number of other customers. I have called BBVA 's customer service 10 times as of this filing, and have been disconnected without making contact with a representative every time. I have not been the one to disconnect the call, the automated system at BBVA has hung up on me. There has been no direct communication from BBVA, any information regarding the transition issues that I have received has been from BBVA 's social media accounts, which are not directly addressing the problems.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (OH)

On Thursday XX/XX/2021 at approximately XXXX hours I was contacted by a female who claimed to be an investigator with XXXX County ( the current county where I reside ). She claimed that she had been to my residence to obtain a signature on documents that are being filed with the Court which include criminal charges. She refused to provide her name or give me any specifics but instead transfered me to another individual. This individual gave me his name which is XXXX XXXX who claims he is with a company names XXXX. Mr. XXXX told me that they were contacting me regarding a defaulted loan that was taken out by me from a company called Check n Go. They claim at the time I was banking with a bank by the name of XXXX XXXX. I do not recognize the loan company nor the bank they say this was drawn on. I told Mr. XXXX I had no known knowledge of this debt and he suggested identity fraud but told me the simplest way to rectify this would be to pay him {$510.00} today which is the original loan amount of {$350.00} plus the agreed repayment amount. He said if not paid that they would file the charges against me for attempting to defraud a financial organization and several other charges. Mr. XXXX also stated that if he did not get my signature on documents he had that there would be a warrant issued for my arrest. Mr. XXXX gave me the contact information for his company with a direct extension to reach him back I will include this below. 
Collection Company : XXXX Phone : XXXX ext. XXXX Case Number : XXXX Company they claim they are collecting for Name : CNG ( check n go ) Loan amount : {$350.00} Payback amount : {$510.00} My contact information XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery, 1 - 2 phone calls per day in an attempt to collect debt that is no longer on credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company sometimes leave voicemails.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have created an account with Experian, with which they were successfully able to identify me. However, when trying to create my government-mandated free credit freeze they required me to enter all of my information to apply manually, then " were unable to honor your request to place a security freeze ''. Instead, I'm required to mail documents to them in Texas to prove my identity at my expense, which is deliberately arduous and delays me getting credit protection and exposes me to unnecessary fraud risk. These unscrupulous practices are undoubtedly intended to make me pay for their services. And with both of their competing credit ratings agencies it was easy to apply my freeze.
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2021 I was sitting on my couch when I received an email from XXXX confirming an Ethereum sale transaction which I did not initiate. I immediately contacted XXXX and my account was disabled/locked down. I was assigned case # XXXX and told it would be resolved in 4/5 business days. So far everything seemed reasonable as It seems I was the victim of a hack and that resetting my login/passwords would be an obvious fix. 

I had 99 % of my crypto in XXXX Vaults so in theory adding extra layers of security and protection. 

Since then - Nothing. No case manager, no human contact, no phone calls, no updates, no emails, nothing. 

I have over {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX dollars XXXX at current market values in XXXX and this is virtually all my life savings. 

I have been all over XXXX and other sites and it seems many, many people are having these issues with XXXX. 

Its beyond unconscionable to simply not communicate especially when in control of so many others funds. 

Please help.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There are so many inquiries on my credit report that tried to open accounts using my name. I have never applied for credit to these companies. These inquiries are pulling my credit score down and I can't get myself to funding because of these inquiries.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Dear, CFPB representative my name is XXXX XXXX I am on SSD. I live at XXXX XXXX XXXX. My family ( my XXXX  and two grand children ). and I were effected by covid-19 this was a hardship. my XXXX  lost employment and had to stay with me from XX/XX/XXXX to XX/XX/XXXX. 

I fell behind on my mortgage the servicer Select portfolio Servicing acct # XXXX I requested mortgage assistance and forbearance was given for three months. 
i had to file Bankruptcy and now I am facing Foreclosure. 
I request mortgage retention ( Principal reduction ) I get {$1500.00} in SSD and I have a room rented at {$500.00} a month. 
the Servicer stated there is no modification or retention available. 

Can I recieve mortgage relief from American relief due to covid -19? 
or Reduction in mortgage so I wont be homeless. 
prior to covid -19 I purchased home in XXXX at {$230000.00} put {$46000.00} down bring mortgage to {$180000.00}. 
I was locked out of home for three years in XXXX a ZOMBIE FORCLOSURE the mortgage was {$170000.00}. 
in XXXX Select portfolio added three years of mortgage to the end of loan bringing the term to {$310000.00} which included a {$650.00} escrow monthly payments of {$1300.00}. 
now I owe {$320000.00} on this mortgage. 
I was denied modification and retention XXXX XXXX. 

please help me stay in my home I am american I worked 25 years and now XXXX on a fixed income I just dont want to be homeless. 

can you contact them to see if a Principal Reduction can happen/ help?. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NY)

XXXX XX/XX/2021 XXXX transferred Simple account holders to their online banking. I have been locked out of my account since then. The bank has locked my account and any attempts to reach customer service have failed. They specifically opened up customer services lines today XX/XX/2021 to deal with this issue, however, as soon as you get through to a rep and tell them your issue they hang up the phone on you. The bank has not done their due diligence to keep new customers informed about issues. Instead of emails letting us know what is going on they are posting it to twitter. This is highly unprofessional and disappointing.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

They were trying to take money out of our account. Bank closed us due to the fraud. Now my husband and I get non stop calls and non stop emails Texts. He wired {$500.00} to have us give back, after that he had a picture of the bar codes on receipts and started trying to empty our accounts.
Consumer complaint received 2021-01-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Sunday, XX/XX/2021, I applied for XXXX XXXX XXXX through XXXX. The application was definitely submitted. There was absolutely a hard inquiry into my credit, but I received no correspondence, email or physical mail, from either XXXX or XXXX until today, Wednesday, XX/XX/XXXX. I received a letter in the mail that says that my request for financing was denied. The reason specified was " High risk source of application ''. I have no idea what this means. I called XXXX and they told me to call Transunion. Transunion told me to check my credit report and call XXXX. No one would provide me with an explanation and looking at my credit report did not explain anything. No one will give me answers. They just keep telling me to call the other company. I was never given a reference, account or application number. Never received any correspondence except for the letter of denial. I am concerned there may be something wrong. No one will tell me what " high risk source of application '' means.
Consumer complaint received 2022-07-29
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. (NY)

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again, XXXX XXXX Balance : {$320.00} XXXX XXXX Date of inquiry : XX/XX/XXXX ;
Consumer complaint received 2021-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

A caller calls me as much as 15 times per day, and demands I give my credit card information as soon as I answer the phone. When I ask what it is in regards to, they refuse to tell me unless I agree to give my SSN, DOB, and other personal identifying information. I tell them I refuse to give them the information unless the first tell me what this is about, when they then proceed to call me XXXX, one of the women who called told me she would tell XXXX to take my child away from me, which she should not know I have a child, this is not pertinent information for a debt collector, and several other nasty things to me that I did not hear because I was actively hanging up and blocking the phone number. They will call 5 times per hour, all from numbers that are one digit off from ones I have previously blocked.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (GA)

BBVA bought my previous bank : Simple. Simple announced a transition in XX/XX/2021. When the transition was supposed to officially happen ( XX/XX/XXXX ), the new bank BBVA locked accounts once the consumer tried to initiate their transition. After attempting to call their multiple customer service phone numbers, I have not been able to speak to a customer service representative. All the phone numbers lead to automatic disconnection. This process has left millions of people without access to their money, their debit cards, and left wondering about the legitimacy of this new bank. There is no other way to speak to anyone at the company - just call. No emails about the issues they are having - just had to research on XXXX. Horrible and leading many consumers stranded.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TRUIST FINANCIAL CORPORATION (NC)

I have been a client of BB & T/Truist for many years. The recent Truist merger has truly made client service unbearable. I am in process of switching banks and want to redeem the rewards accrued on both my credit card and my wife 's. I simply want to transfer the rewards cash accrued to our checking account. The challenge is BB & T/Truist will only transfer in {$25.00} increments ; therefore, if I close the credit card accounts today, I would end-up leaving about {$6.00} on one card and {$17.00} on the other, in accrued benefits that could never be redeemed. It's not a huge deal, but if you combined all the clients having to leave rewards unredeemed - it's a lot of money! The response given by the client representative was that their system could only transfer in {$25.00} increments- but I bet if their system shorted the Bank {$23.00} it would be fixed rather quickly... I have escalated this with the Bank, but feel it will be ignored. I am also considering talking with an attorney about a class action suit. Thank you, XXXX
Consumer complaint received 2021-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Machol & Johannes, LLC (CO)

This company sent me a Court Summons right after I submitted a letter requesting validation, so they didn't give me XXXX days to request validation. They took legal action. They are saying they received a blank letter but I have proof of the letter I sent, and all were sent certified mail return receipt ( As you can see in the attachement ) The letters has blank pages between them to separate the information. 
This company sent me validation for a debt that is not mine. The bill of sale is not under the name of this company, as you can see is under another name, my name or signature is not there either anywhere!!, and the INCREDIBLE THING is that this bill of sale that was used to summon me to court was made and signed a year before the account they claiming I owe, was even opened. It is impossible that a Bank sold an account to a collector a year before the account was even opened with the bank. This company is falsifying documents to claim I owe them money. How is it possible you summoned me to court with a document like this? 
Attached is the proof of some documents they sent me with the bill of sales under another 's company name and was signed in XXXX XXXX!! 
I want this company to cancel that summons immediately and stop collecting a debt they don't own and I don't owe to them. Otherwise, I will submit proof that I don't owe this debt and will put my case with a lawyer to demonstrate you are violating the law.