davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One reported me late 1 30 day late which I was and I was over my limit by XXXX I received a settlement in the spring of 2019 and paid in in full. Then later it was stolen about a week later I called them and they did block it and never sent me another said they could not verify me so not only did they not send me another card and report me XXXX 30 day late I never got the opportunity to correct this due to they close my account because of not activity in a year well I can't use the card if you don't send a new then also the whole argument was they wanted to send a copy of my ss card I was not willing to do that and the social security office informed me that it is illegal to use this as a form of identification I offered to walk into one of the Capitol one banks in XXXX XXXX they told me no. I have also be getting emails from them that I am pre-qualified but I am constantly denied to have a card with them because they have some kind of block on my acct for fraud so I am never issued a card this card was issued right after my bankruptcy and I paid it off I don't who is committing fraud by paying off someone else credit card please delete entry with ALL credit bureaus and correct my file with your company and if you really do not want me to have a card then please stop sending me pre applications.Its seems as I am being punished because I paid it off and did not have any more lates closing my acct has affected my credit as you closing accts you loose point. please correct rapid rescore me
Consumer complaint received 2023-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OK)

I requested a refund of my payments made during Covid emergency on XX/XX/2022. I made a follow up call in XXXX to check the status at which time the representative decided to make a 2nd refund request. At this time I am extremely frustrated and am at jeopardy of losing my home while waiting on this refund. I requested this refund over 4 months ago and I have not received a single update about this and it is well beyond ridiculous that this is not a priority at this time.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

OnXX/XX/XXXX I received an email from TD Bank " thanking '' me for opening a checking account with them. I never opened any checking account with TD Bank, let alone the fact that there are no TD Bank branches within a hundred miles from where I live. 
I called TD Bank the same day and spoke with their fraud department. Initially they refused to help me, demanding more information about my identity. Reluctantly, I provided my SSN, and they confirmed that, indeed, a checking account was opened in my name, using my full identity. When I asked if there were any funds in that checking account, they could not give me that information claiming the account " is not technically '' mine. They promised, however, to block the account and told me to report the fraud incident to the police and to the credit agencies, which I did that same day. 
However, on XX/XX/XXXX I received a packet in the mail, containing cheque books with my name and address printed on them. This indicates that TD Bank either did not block the account or is too slow to address the issue.
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

On XXXX Citizen 's drafted my XXXX XXXX checking account not only for my mortgage but for a second loan, with a different loan number and different name on the account. So they drafted my account for my correct loan amount of {$3100.00} AND they drafted my account for an additional {$290.00} for a loan belonging to Mr. & Mrs. XXXXXXXX ( not me ). 

On XX/XX/21 Citizens did the same thing, with the exception of this time Mr. & Mrs. XXXX XXXX loan was drafted for {$230.00}. 

On XX/XX/21 I contacted Citizens XXXX to explain to them what they were doing and to the get it corrected. After explaining the situation to 4 different customer services representatives, telling the last one who seemed to understand the problem, the name and account number of the incorrect loan draft, which got her to take me seriously. Prior to that everyone thought I misunderstood what was happening or that XXXX XXXX made the mistake. I was told a " Supervisor would investigate and call me back with in 24 hours ''.

72 hours later I had not heard anything from the mystery supervisor, so I called back, explained the story yet again. Gave the account number, account name dates an amount of the drafts of the incorrect loan draft yet again, and the customer service rep said I needed to provide a XXXX XXXX statement showing proof of the drafts coming out of my XXXX XXXX account. Despite questioning why Citizens could not look at the drafts in question and see where they were coming from, I obliged and send in my XXXX statement showing the requested information. Later that day XXXX received a call back from Citizen Customer Service thanking me for sending my statement over and then asking me for my XXXX account number and the XXXX ABA number. Again, Citizens already has this information as I provided them with a voided check originally to set up the auto draft payment for my mortgage. I was driving in the car when I received this call and told the CS Rep that didn't not know the XXXX XXXX ABA number off top of my head. This seemed to fluster her. I asked when I could expect a refund of the {$520.00} that Citizens has mistakenly taken from my XXXX XXXX account that was used to pay someone else 's loan. I was told they would be back in touch with me. 

XX/XX/21 Still no resolution on this problem. So I emailed Citizens XXXX XXXX  Customer Service where I had sent my account statement to previously and I got a response that I should call customer service. I don't have the patience to speak to another Citizens customer service representative. I have spent over 1 hour on the phone with there Customer Service department and given my Name, address and SS # at least a dozen times, yet not once has Citizens acknowledge, forget apologized, for their mistake, for my hassle and aggravation to fixed a problem that their internal controls/audits show have never allowed to happen in the first place.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (ME)

My name is XXXX XXXX XXXX. On XX/XX/2022, when I was working in the office in XXXX, XXXX around XXXX, I tried to call my son, however, the phone lost connection, I can't make any phone calls nor text messages. After work around XXXX, I went to XXXX store to fix my phone. The representative in XXXX said someone used your fake ID to take my phone line. After my phone got fixed, I called TD Bank immediately ( around XXXX ) about my banking accounts. At that time I found out I lost all my money and the bank specialist transferred my call to fraud department within the bank. They said there were three withdraws, {$9000.00}, {$5000.00} & {$8500.00} from my account XXXX on XXXX XXXX, 2022, two of them in XXXX, XXXX XXXX  and one in another location in XXXX XXXX On XXXX XXXX one withdraw {$4000.00} from my account XXXX in XXXX XXXX XXXX XXXX XXXX all of those withdraws without my authorization. I filed the affidavit report on the next day at TD bank located in XXXX XXXX XXXX, XXXX XXXX. XX/XX/2022. I was working in XXXX XXXX not in XXXX XXXX nor XXXX XXXX on those days. I did not authorize those cash withdraws. On XX/XX/XXXX, I found out someone used my identity to open a credit card in XXXX XXXX, located in XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX, which I never authorized. I was in XXXX working in the whole time, did not go to those places. 
At the same day of XXXX, I call all credit bureaus to freeze my accounts, credit bureau included XXXX, XXXX and XXXX. 

I filed a police report on XX/XX/2022.
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (MD)

They made contact XX/XX/2021. I sent them a certified letter XX/XX/2021 to verify debt. They have not responded at all, have not removed the debt, and they are just tried to contact me. I answered, they hung up. The only reason I knew it was them is because I called back.
Consumer complaint received 2021-08-18
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: Receivables Management Corporation (SC)

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 2022-02-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My uncle passed away XX/XX/2021. I am the sole beneficiary named in his will. My uncle had several accounts with Capital One Bank and Ive been trying to close the remaining accounts he had with them. After filing the estate tax return with the State of New Jersey I received the tax waiver for Capital One which allows me access to the accounts. I submitted the waiver to Capital One via fax that they provided me and sent numerous emails to the Bank Estate Operations Department that have gone unanswered. I called the corporate customer service number and was told the only way to communicate with the Bank Estate Operations Department is via email which Ive had issues with them answering since this process started back shorty after my uncles passing in 2021. They will not provide me with a phone number to call them nor will they contact them on my behalf and express my frustration with the lack of communication.
Consumer complaint received 2021-08-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (FL)

I had a lease with GM Financial for a XXXX XXXX that started XX/XX/XXXX. My GM Financial Account number is XXXX. The lease was scheduled to end XX/XX/XXXX. I leased a new car with XXXX and they accepted to turn my XXXX lease back in for me. That was completed on XX/XX/XXXX, more than a month before the end of my lease. Unfortunately for some reason GM didn't report the car returned until XX/XX/XXXX so they added a month payment to the end of my lease. 

I contacted GM Financial and after a number of months of back and forth discussion after providing the lease return receipt from XXXX they agreed to remove the added payment and I made a settlement program for the amount owed ( wear and tear, lease return, fee, etc. ). This program was instituted on XX/XX/XXXX and I have made payments every month since then. 

The gmfinancial.com portal showed the revised amount due with the removal of the extra month payment so I thought all was well. I got a letter from GM Financial on XX/XX/XXXX with an update on the amount owed. It didn't correlate to what is shown on the GM Financial portal so I called customer service today XXXX XXXX, XXXX to inquire about the difference and they are now saying they never removed the extra month payment and that I still owe the amount. After 30 minutes of explaining the whole situation over again they said they'd escalate the issue and to call back in 48-72 hours.

I have no confidence that GM has any intention of removing the payment for a car I no longer had and returned a month before the end of the lease! They added a payment thinking I still had the car but even after giving proof that I returned it before the end of the lease they are refusing the remove the extra payment. 

Please help me resolve this matter.
Consumer complaint received 2021-08-13
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. (FL)

I have mailed in dispute letters 3 different times dated XXXX and all 3 major credit bureaus have not responded to my request. By law they should have mailed me my investigation reports within 30-45 days of receipt.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (CA)

Hello, my name is XXXX XXXX. I am reporting this complaint to the CFPB due to the lack of XXXX/XXXX XXXX to remove this account from my credit bureaus and they are reporting it as derogatory and past due. This account was sold to Midwest recovery systems, XXXX XXXX XXXX. The account was paid off in full and they agreed to remove the account from my credit report. I filed an dispute with XXXX, XXXX, XXXX  and they reported that XXXX/XXXX  says that I still owe on this account and they don't own the account anymore as it was sold to the third party agency. I called XXXX/XXXX  and they stated that they no longer have my information and they are not allowed to send me a letter to remove it from my credit report as stating it was sold to a third party agency. If we can get this removed this will be great. It stressing me out and holding me back from my life.
Consumer complaint received 2021-08-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NJ)

I work in a covid unit. PEOPLE ARE DYING. Pandemic is spreading Navient robo-calls are constant on my office phone. XXXX XXXX numbers are : XXXX XXXX XXXX XXXX, XXXX XXXX ( who is on the recording ) does not exist. 
I don't have time for this XXXX. Calls must stop immediately.
Consumer complaint received 2021-08-18
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: Financial Data Systems (SC)

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 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (TX)

SUNRISE CREDIT SERVICES ( XXXX XXXXXXXX XXXX ) is a result of identity theft. I recently discovered through my Identity monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (AL)

I ordered vitamin supplement from a company called XXXX XXXX account XXXX. 
This item did not help me as was advertised, therefore, I returned all the unused bottles, almost a complete order. I paid for the ones I used. Since returning the unused bottles, this company turned my name and address information over to a company called National Recovery Agency ( XXXX ID # XXXX Creditor : XXXX XXXX Balance : {$42.00}. This Agency continues to send over text to my phone number XXXX. I called the XXXX XXXX company and explained that the item did not offer to my health as it was advertised and I had returned the unused bottles. I have paid the {$42.00} balance plus a fee of {$7.00} to National Recovery Agency and am waiting on a letter of receipt for that payment in my email ( XXXX ). As a consumer, I see this has a wrongful act on both companies : XXXX XXXX received the unused product back to resale and was paid in full for the used products and National Recovery Agency received {$42.00} plus {$7.00} for their continued texts and what I would call consumer harassment. The National Recovery Agency told me the product for not returnable yet I do not believe I was every told that from the XXXX XXXX XXXX. 
Appears everyone was covered but the consumer here!!!
Consumer complaint received 2021-08-18
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: Strategic Alliances, Inc. (SC)

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 2022-06-04
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. (CT)

In XX/XX/XXXX, XXXX commenced servicing of ( XXXX ) student loans issued by XXXX XXXX XXXX / XXXX  which reflects a current outstanding balance of {$21000.00} and {$23000.00} as if XX/XX/XXXX ( last reporting period ). In XX/XX/XXXX, i applied for the XXXX XXXX XXXX XXXX XXXX ( XXXX ). As a result, both loans were transferred on XX/XX/XXXX from XXXX to XXXX for processing. On XX/XX/XXXX, XXXX completed the processing of my XXXX application which was approved and as a result, both loans were canceled and the balances were zeroed out ( {$0.00} ). Since information regarding student loans are not required to be reported to the credit agencies, XXXX or XXXX did not report such transfer which continues to show that XXXX is servicing the loan. On XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, I submitted disputes with Experian, XXXX and XXXX disputing the accuracy of the balance and each time the resolution resulted in the balances remaining the same/accurate. I submitted verification letters from XXXX and XXXX showing a {$0.00} current balance to no avail. I contacted XXXX on XX/XX/XXXX and requested that the update my information with the credit agencies but they informed me that since they no longer hold the loan, they are unable to update the information and that i should contact XXXX. I spoke to XXXX but the said that they will send me a verification letter and that i would need to contact the credit bureaus to get this information updated, but this effort has failed multiple times.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

This debt was the result of a billing error. I was employed by the original creditor and received courtesy services billed for free. When the servicer of the contract tried to bill me I cancelled the service. I have submitted proof of the cancellation repeatedly and still the debt continues to be claimed by third party collections agencies. I previously notified and provided proof to this claimant but they have submitted the information to my credit file and again damaged my creditworthiness and score
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (FL)

I filed a previous complaint regarding GM Financial regarding GAP insurance that I was told that I had to purchase in order to drive off the sales lot of XXXX XXXX of XXXX and I'm a XXXX veteran with low income and felt taken advantage of. I requested the Gap fees to be applied to the principal and GM decided to send it to the payment instead. When I spoke with the Assistant Manager, I was told that it would be and since I set the payments up on bill payer, I believed GM Financial at their word. Now I'm finding out they didn't honor my request. I truly feel completely taken advantage of by this company and they knew that I am XXXX, just as XXXX XXXX.
Consumer complaint received 2021-08-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am trying to do a debt consolidation I found this company on the internet it is capital one so I was thinking ok its safe I have a capital one credit card and I got approved for the amount then all the sudden they want me to buy XXXX cards XXXX cards to be able to get the loan so I did that and everything they said alright I am going to transfer the funds they always needed more money always and I have proof of all this I have text messages also and they said they paid off my XXXX credit cards and the payment did nothing go through they did this twice and returned I just want my money back that I gave them to give me a loan that I didnt get thats all I ask dont return my calls or anything the person I Have been dealing with XXXX is XXXX XXXX and I have a number also here is the phone number I contact him by XXXX I am done an want justice for this I was just trying to help my credit score and they made it worse.
Consumer complaint received 2022-06-20
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions