davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX, XXXX, & XXXX I was scammed by a person pretending to be the owner of a property that I saw in XXXX. I was desperate looking for a house for rent and came across that website. I read the add of a house for rent and I asked to look at it and 30 minutes later the supposed owner contacted me via email. I read what I needed in order to rent it. I even looked up the owners name and the scammer made me believe he was that person. I sent {$2500.00} in the matter of those 3 days. I was sent an email that it was a scam. I didn't want to believe at first. But unfortunately it was true. I contacted the supposed owner and he answered I begged him to please send me my money and he assured it wasn't a scam. I never heard from that person again. I called the number and so did a friend of mine and the number was already disconnected. My mistake was sending the money through XXXX. I right away called my bank and made a police report. The bank was very mean to me. They said that I shouldn't of sent the money if I didn't know the person. I tried to explain and they didn't listen until I called the XXXX #. I have the bank the police report number and I told them I had also reported it to the FTC. The bank said they world investigate it which I feel they never did. I called 3 or 4 times because I was denied. A bank manager was supposed to call me and they never did. I had lost a family member during all that chaos and explained that the scammer took advantage of my situation because I told the scammer that I hoped they weren't fraud because I had just lost a family member that was like a father to me and they acted like they cared. I have texts, emails, and the screeshots of what I sent the money for. I know its my fault but I had all the evidence I could possibly share. I felt that the bank was pointing fingers at me that I was part of the scam. I just went back to work after a month of being jobless. I opened another account at a different bank because I am closing the account with PNC Bank. My only hope is that one day those scammers will be caught.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

I attempted to withdrawal {$6200.00} from my Marcus savings account to my linked XXXX XXXX checking account on XX/XX/XXXX. The transfer was accepted without warning. I logged into my account this morning ( XX/XX/XXXX ) to see that the transferred was reversed without warning on XX/XX/XXXX. When I called Marcus, they could not tell me why the withdrawal was reversed but said I should be able to transfer it now. I tried again and it wouldn't go through. I called Marcus back and they said that my wife, a joint owner had to call them and speak to them. My withdrawal was reversed without my consent and without communication. Now, my money is being held XXXX by Marcus, I'm racking up fees with bills that I owe and can not pay because I can not access my money. My wife will call when she is able. Even then, I'm being told it could take XXXX days to clear a transfer even though I initiated it last week. I don't think Marcus should be allowed to hold my money XXXX like this. Please help!
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On or about XX/XX/XXXX, I opened a checking account with Capital One in response to a promotion whereby if I had two direct deposits of {$250.00} or more within the first 75 days from opening the account, I would be credited with a bonus of {$150.00} no later than XX/XX/XXXX. I did not get the bonus and called. I was told this was because I had previously had a checking account with Capital One as of XX/XX/XXXX, and was therefore disqualified. I had no recollection of ever having such an account and checked my records. As I recall in XX/XX/XXXX I was looking for a new checking account to deposit checks by mail since my local banks were closed to walk in customers. I was only interested in checking accounts that provided postage paid pre-addressed envelopes since I do not like paying postage for deposits by mail. I reviewed a number of offers and called Capital One and asked specifically if Capital One provided postage prepaid self-addressed envelopes for deposits by mail. I was told that they did and opened an account. Shortly thereafter I was still reviewing new checking accounts online and saw that Capital One did not offer those postage prepaid envelopes. I therefore called Capital One and they confirmed they did not offer such envelopes. I told them to close the account since I had been misled. I never made deposits to the Capital One checking account, nor ordered checks, nor did any transactions. I hardly think this qualifies as having a Capital One account especially since the opening was procured by fraud. That is, I would never have opened the account had I known they did not offer postage prepaid envelopes. Regarding the bonus offer for {$150.00}, I came to Capital One in good faith and fulfilled the requirements and should be rewarded with the {$150.00}. I have been a satisfied customer until they reneged on the offer.
Consumer complaint received 2021-12-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (RI)

My Equity Line of Credit ( Mortgage ) was transferred from XXXX XXXX on XX/XX/21 to Specialized Loan Servicing LLC. I have spoken to SLS reps on XX/XX/21, XX/XX/21 and today - XXXX.SLS has no record of my payment cashed by XXXX on XX/XX/21 of {$700.00}. Also my payment of {$760.00} sent to XXXX on XX/XX/21 has not been cashed. Per an SLS rep on XX/XX/21, XXXX sent this payment via XXXX to SLS on XX/XX/21. 

The amount of the scheduled monthly payments on my new SLS invoice is {$490.00} which should be {$760.00}. 

SLS claims that I am 65 days past due, when I was current with my payments and have been for years. 

I have forwarded the documentation attached below to SLS. The Rep on my XX/XX/21 call confirmed receipt of the email. 

I have been promised call backs from SLS supervisors within 24-48 hours on XX/XX/21, XX/XX/21, and XX/XX/21. I have received no call backs from a supervisor to date. 

I will continue to attempt to resolve this with SLS, but I am beginning to be doubtful that they will respond. I have documentation from my last XXXX bill and from my bank confirming the payment made. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NV)

I have a pending deposit of XXXX coming from my ssdi check, which is direct deposited. Any other time, such as with XXXXXXXX XXXX check my money is available on the Friday beforehand. My account is already overdrawn. I have yet to receive access to my funds based on navy Federal credit union internal policies regarding ach deposits and access to those. 
Questions ignored by the representative I spoke with : did y'all change the processing times ; are y'all behind because of the holiday, why is it being treated as a paper check based on funds availability. Legit was told that the holiday would Delay access to my direct deposit. So now it's the holiday weekend, the XXXX of the month, & the last part of the year & somehow my money isn't my money. This is domestic terrorism. I recently had a negative interaction at a food shop with someone claiming she was navy across the street  from the bank and 3 weeks later? This. Believe she's a banker. XXXX hair. XXXX cut.
Consumer complaint received 2021-12-29
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. (CA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-12-31
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. (IN)

XX/XX/30 : contacted Transunion about inaccurate hard credit inquiry that I didnt authorize by XXXXXXXX XXXX XXXX XXXX ). XXXX said to contact bank directly. I contacted bank at number they provided on my report and when I called a recorded message says the number is no longer in service.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The Consumer Finance Protection Bureau colludes with member banks of the Federal Reserve system to ensure that the member banks always prevail with any complaint made to the CFPB, no matter how egregious the violation of the member bank. In previous complaints, I asked the CFPB to investigate the serious regulatory abuses against me by Bank of America. Bank of America did not follow the regulations set down by the Federal Reserve Bank. The CFPB ignored this fact. The CFPB did absolutely nothing except to act as a holding website for emails. Who is in charge of regulating the CFPB? The Federal Reserve Bank. Consumers need to be aware that as far as banking regulations are concerned, there is no remedy for violations committed by member banks against consumers.
Consumer complaint received 2023-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retail Merchants Associates (TX)

I have disputed previously disputed with this company regarding the 2 collections they have for me. The company was unable to validate this debt. They indicated that they would reach out to the original creditor an obtain a copy of the itemized bills. They were informed that an itemized bill is not an acceptable form of validation. Both accounts were removed. The accounts have been placed on my credit reports yet again only this time they changed the account number and the amount. I disputed it with the credit bureaus They sent a letter to me indicating that they would once again attempt to validate with the original creditor however they told the credit bureau that it had been validated which is not true. They told me one thing but told the credit bureau another. To date, they have not provided any documentation to me that shows this debt is validate. They are NOT my accounts. This is the reason that the debts can not be validated. Please remove from all 3 credit bureaus ASAP. Changing the amounts and account numbers to place this back on my credit report is a violation. Account number XXXX and XXXX.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (MD)

A request to remove unauthorized inquiry has been sent multiple times and Equifax validated the inquiry was a factual inquiry even after I requested for evidence of data was coming from the consumer which Equifax continuously ignore and seize to honor my dispute. Under 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

The specialized loan services didnt responde to my modification requested I did in XXXX until now they havent received any notice from specialized loan services regarding of my modification requested. Also Im received different letter from them to foreclose. Im received this letter from specialized loan services I feel treated me Because I got this notice without any update from my requested them to help me with other modifications. So until now Im still waiting from specialized loan services to responde my request of giving me a different modification terms. Now Im stressed about notice because the specialized loan services havent replied my modification.
Consumer complaint received 2021-12-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

After receiving numerous calls from Portfolio Recovery regarding account invalid debt, I am hereby providing you notice to cease any further communications regarding this account immediately. The Fair Debt Collection Practices Act specifies that debt collectors are to terminate and cease communication upon receipt of written notice. You call me all day and even during the night to harass me. You call me from several numbers to the point it interferes with my mental health. You leave me threatening voicemails and you make things up. You dont even say your name or introduce yourself. Its to the point where I can not answer regular calls because they block them incoming by calling me from over 30+ numbers. 

This company has inappropriately and repeatedly contacted me : Regarding an unverified debt Regarding a debt that I do not owe Is harassing me by calling me at work and contacting known family members and associates
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

This account by XXXX XXXX XXXX is clearly staying that it has INACCURATE information reporting under my social security number. Its states invalid date on the report. I have asked numerous times for this account to be removed due to it not being accurate nor validated as the law requires. XXXX has finally removed it because they understand their fault, however Equifax and XXXX continues to deny my right of only accurate information reporting with MY consent! They continue to falsely CLAIM its validated! Not only does it clearly state that it is reporting an inaccurate date, it stated the account was transferred to another party with no name or address to that party ( another violation ). How can I properly dispute this information when no accurate information to contact these people are given! Again denying my consumer rights! Lastly, it states this is a closed account, yet it is reporting monthly activity further harming my credit and contributing to my mental anguish and financial detriment! 

Do not update my report, do not respond that Im an unauthorized party or you cant verify me. My id is attached and I have provided my ssn and email address! 

P.S. I also see that Equifax is disputing the wrong account. I never ask to dispute the other XXXX XXXX account.
Consumer complaint received 2021-12-31
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. (GA)

I have filed a dispute in regards to the incorrect items I have on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2015-12-17
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC. (TX)

On Wednesday, XXXX XXXX, 2015, I agreed to a settlement with Cashnet USA for a loan I foolishly got several years ago. The agreement was to pay {$250.00} from my debit card that ended with XXXX on XX/XX/2015. I received a reminder e-mail about the arraignment on Monday, XXXX XXXX, 2015, and so in an attempt to be proactive I went to their website and made a one-time payment of {$250.00} using a different debit card. 

I ignorantly assumed that they would receive the payment, close my account, and leave me alone without me having to call them back but I was wrong. Their " system '' should have been smart enough to do that. 

Instead, they charged the debit card that I used Monday for an addition {$250.00} today, although I have XXXX e-mails stating I authorized them to only debit the card ending in XXXX, not any other card. When I called them, they contend that since I used a different card Monday that their " system '' updated my profile to that card and voided the original agreement that listed the card ending in XXXX as the card that I wanted to use, even though they sent me no notification to that effect. The ridiculous part about that contention is if the system is smart enough to update my records to a card I did not authorize to be used on the XXXX then the system should have been smart enough to know that I had already made the payment on the XXXX to satisfy my agreement. 

The use of XXXX credit card does not automatically entitle that company to void an existing agreement to use another card at a later date, and this is simply an attempt to steal more money from me. 

I want the {$250.00} back that they stole from me by debiting a card that I did not authorize them to use. This is a very deceptive business practice and they should discontinue it immediately. They should not be able to hide behind " systems '' when debiting accounts. I believe they simply are using this as an excuse to try to bill people money that they did n't agree to pay. This is quite despicable!
Consumer complaint received 2016-12-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Charlottesville Bureau of Credits, Inc (VA)

I have already submitted a complain against this company, however, it seems that parties involved are inept as the complaint concluded that they " could n't identify the company ''. So here is my attempt to humor your inabilities : Valley Credit Sevices XXXX XXXX XXXX XXXX, XXXX, OR XXXX Acc # XXXX As stated in my previous complaint, I was not rendered services by this company, I 've never dealt with them in my life, I certainly did n't do business with them, yet they claim that I owe them over {$10000.00}.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (TX)

I have disputed previously disputed with a different collection agency. The company was unable to validate this debt. They indicated that they would reach out to the original creditor an obtain a copy of the itemized bills. They were informed that an itemized bill is not an acceptable form of validation. The account was account removed. The account is now with a new collection agency. The account was placed back on my credit report.. This is NOT my account. This is the reason that the debts can not be validated. Please remove from all 3 credit bureaus ASAP. Changing the collection company should not place this account back on my credit report since I previously disputed it, won my dispute and the account was removed. Account number XXXX
Consumer complaint received 2016-02-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Frederick J. Hanna & Associates, P.C. (closed) ()

For several months I have been trying to get XXXX to have XXXX XXXX XXXX to send me a receipt showing it applied {$11000.00} to and status of the credit card account that shows on my credit report that XXXX charged off in 2009. XXXX refuses to address my request. I have a copy of the check when it was deposited in XXXX account. I request that I get this receipt with the account number off of the credit sent to me from XXXX XXXX XXXX or XXXX as an attachment to an email. My email address is XXXXXXXXXXXX
Consumer complaint received 2016-01-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC (FL)

Debt Recovery Solution has reported to the CRAs that I owe them {$8600.00}. They stated that the account was opened on XXXX 2015 and that the account had the first major delinquency on XXXX 2015. 

I find out about it when I check my credit report. Since I do not recognize the company or the debt, I called them to obtain information. They told me the debt was mine from an old credit card that I had at some point of my live and that I had stopped making payments several years ago. 

I requested the validation documents, but I never got them. 

Assuming they are right and the debt is actually mine. Since they claim this is an old debt, then the open date can not be XXXX 2015, and the major delinquency date can not be XXXX 2015 and the date of last activity can not be left blank. 

Therefore, Debt Recovery Solutions has parked this account on my credit report, violation of the FCRA. I must be notified they are trying to collect a debt and that they will report to the CRAs. 
The collector has re-age the account, another violation of the FCRA, the collector falsely reported the dates. Finally, up to date the collector has not validated the debt, 3rd violation. 

I filed a dispute with the CRAs. The CRAs did not remove the account because the collector claims the information is accurate.