davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I am not getting paper statements or via website. I have the due date programmed in my calendar in my phone. I have been calling in each month to pay the minimum payment and not charging anything else on the card. The balance keeps going up by a lot. I called Capital One and they said I am not making a full payment, nothing is going towards principal and it it is not covering the fees. I asked XXXX on the phone ( Rep ) how I am supposed to know this? I am paying what the automated system is telling me is the minimum payment. He could not give me numbers or any explanation. I asked for a Supervisor. He hung up on me instead. I have had them before and they did the same thing. I got rid of them ASAP. I have them now as they purchased the card I have. They are the only Credit Card Company that does this. All of my other cards they can calculate and tell me when I call them why I have the balance I have and that part of my payment is going to principal. I am aware that the minimum payment does not get the balance get paid off quickly however something should be going to it. And if I am able to pay more it should be going there. As well as when I call they shod be able to tell me why my balance is going up, fees etc. Capital Ones business practices should seriously be looked at
Consumer complaint received 2022-10-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (FL)

on XX/XX/XXXX I received an alert that a new collection report was added to my credit report. When viewing the report I saw the collection company so I proceeded to contact the company, the lady who answered told me they been trying to contact me since XX/XX/XXXX but had no luck. I asked if they left messages she said no then she told me they sent letters about my " supposed debt owed '' to an address I do not reside at. She told me I owed {$800.00} but wouldn't tell me who or what it was for and just wanted me to pay it. I repeatedly asked for a manager to which she told me she was not going to give me a manager I had to deal with her. She stated the debt was from XXXX to which I replied with the debt is out by time isn't it? she said no and I said if you do not provide me with any information I am not going to pay to which she stated that " I need to get a job to pay my XXXX bills '' and some other words. I then said she was being very rude to which her reply was your momma 's a XXXX so get off the phone. I then kept asking over and over for a manager she finally hung up. Every time I call back she is the only one who picks up the phone it seems like a scam.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Meade Recovery Services, LLC (UT)

Meade Recovery Services is reporting erroneously on my credit file and it must be fixed immediately. Meade Recovery Services filed a judgement against me for a debt that was not mine. I tried multiple times to tell them that and they would not hear me out. This account was fraudulent. However, no matter how many times I got in contact with anyone, no one could ever prove that this account was mine or that these services were ever rendered. In XXXX, I ended up paying the account in full and thought the ordeal was done with. However, I noticed this account is still reporting on my credit. After all I went through with them, they still feel the need to never talk to me but personally affect my credit?!? This account must be removed from my credit file, it is paid and settled despite it not being mine. 
I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was contacted via XXXX to make a purchase. The person keep pressuring to send money and the person seem genuine at first, but it was a scam. The person failed to deliver what was promised and I got screenshots of the chat to show all this. Basically the person kept asking for money and when i delivered, they didn't hold up their end of the bargain and so I eventually moved the conversation to archive so that I don't see them spamming. My claim was automatically denied as soon as it was open. I tried to contact XXXX, but all they did was tell me to ask the " scammer '' for a refund, which we know they won't refund the amount, so I tried contacting my bank directly and they won't do anything either. Overall, I did not get any service promised so I suspect a scam and the person keep asking me for more and more money as well.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CT)

Subject : Complaint Regarding Inaccurate Information on My Credit Report by LexisNexis Dear Sir/Madam , I hope this letter finds you well. I am writing to file a formal complaint regarding the inaccurate information that continues to be reported on my credit report by LexisNexis. Despite numerous attempts to rectify the situation through multiple letters, emails, and phone calls, I have not received a satisfactory response or seen any corrections made to my credit report.

I have diligently reached out to LexisNexis on several occasions, detailing the specific inaccuracies present on my credit report. In my last phone call to their customer service, a representative acknowledged the issue and assured me that the necessary corrections would be made promptly. However, to my dismay, the inaccurate information persists, and I am deeply concerned about the negative impact it is having on my creditworthiness.

Furthermore, it is particularly frustrating that LexisNexis has been unable to communicate with me directly due to the inaccurate information they have on file. This situation has led to a lack of progress and delayed resolution, leaving me in a vulnerable position and unable to exercise my rights as a consumer.

I hereby request the Consumer Financial Protection Bureau 's intervention to ensure that LexisNexis promptly addresses my concerns and takes the following actions : 1. Conduct an immediate and thorough investigation into the inaccuracies present on my credit report.

2. Verify the accuracy of the disputed information with the relevant data furnishers.

3. Promptly correct and update my credit report to reflect accurate and verified information.

4. Provide me with written confirmation of the corrections made to my credit report.

I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, as I have made reasonable efforts to resolve this matter directly with LexisNexis, but they have not taken the necessary actions to rectify the situation. 

I am attaching copies of the correspondence I have sent to LexisNexis as evidence of my diligent attempts to address this issue and demonstrate my willingness to cooperate. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against LexisNexis for their failure to comply with the FCRA and their continued reporting of inaccurate information on my credit report. 

I kindly request that you keep me informed of the progress of your investigation and any steps taken to resolve this matter. Please feel free to contact me at the provided email address or phone number if further information is required. 

Thank you for your attention to this serious matter. I look forward to a swift resolution and the removal of the inaccuracies from my credit report. 

[ Enclosures : Copies of previous letters and emails to LexisNexis ]
Consumer complaint received 2021-03-03
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. (HI)

In previous responses ( XXXX, XXXX ), the company ( XXXX XXXX XXXX ) did not provide me with the requested documents. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I encourage a response from you expeditiously.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (GA)

I have sent a pay to delete letter to debt collector ( AFNI , INC ) and I have had no response from the debt collector. I proposed a payment of {$370.00} via certified funds if the debt collector agreed to my terms in the letter. There was no debt validation completed and sent to me by debt collector. My letter for pay to delete was sent via certified mail XX/XX/2023. I want this collection removed from my credit report ( from all 3 bureaus ) immediately due to negative impact. I have attached proof of letter sent and certified mail receipt if needed.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (IL)

I opened my regions account on XX/XX/XXXX. 
I dont have another bank account there. They only report account openings when a bank account is in your name. My credit report shows 2 bank accounts when I only have 1 bank account and debit card. Temporary cards are not reported to your credit so they must have opened an account fraudulently when they gave me a XXXX debit card. On XX/XX/XXXX a new bank account was reported.
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (NV)

I transferred {$1200.00} to my aunt today XX/XX/22. I transferred it through XXXX with expectations of it being delivered within the hour. The service charge was {$16.00}. My aunt called and stated that they would not release the funds until I contacted the servicer : RIA Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX ( XXXX ) XXXX. 

When I contacted RIA, I was told it was under review. WHY are funds that were sent from Nevada to My Aunt in Idaho under review when cash money was paid to be transferred. There is no notification of cash funds being reviewed on any of my receipts. 

The Reference number on this transaction : XXXX. 
The receipt states " Date Available for Recipient XXXX ''.
Consumer complaint received 2020-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good Afternoon. I am reaching out to you in hopes that my situation gets attention and that I can receive help. On Monday XX/XX/2020 I shipped a computer system for {$1600.00} to someone in Oregon. this person made me believe that he had paid me thru XXXX in order for me to ship the Computer. But this was not the case. I never received any funds and instead the same user posted himself as a XXXX representative. Later on, the that same night I received a fake email from XXXX stating that I had to wait until the parcel was delivered before I could receive the funds. ( {$1600.00} ). On Friday XX/XX/2020 The buyer received the computer, and I received a notification from the same Fake XXXX. Stating that my account had a limited and that the buyer had to send me the amount of {$3000.00} in order for my account to expand. Moments later I received a text from the buyer regarding the {$3000.00}. He agreed the send these in order to expand my account. when he did I received a notification in regards to those {$3000.00} stating that I had to send the buyer their {$3000.00} back via any other platform except XXXX. At this point I'm just thinking of doing the right thing and I send her {$2500.00} from my bank of America Account and {$500.00} from my XXXX XXXX Savings account. via XXXX. as soon as I did I was expecting " XXXX '' to deposit the sum of {$4700.00} that they stated was going to be credited in to my account = {$1600.00} from the computer, {$100.00} XXXX service fee and {$3000.00} that the sender supposedly had sent. When logging in to my XXXX account. these funds where nowhere to be seen. so i contacted XXXX thru the original app and they responded confirming that the XXXX that has been supposedly claiming to be XXXX was a fake account. at this point I got really upset and did not know what to do when I realized that I had lost {$3000.00} worth of saving and my computer. 
I decided to call my banks on XX/XX/2020 to see if they could reverse the transactions. They agreed to take my claim but stated that there is no guaranteed that I will receive my funds back. I really broke me the thought of not getting those funds and specially during this Covid-19 situation. I tried calling the buyer but the line appears to be disconnected. If you need a copy of any of this, I have all of this available.
Consumer complaint received 2023-04-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (NY)

This bank refuses to assist with loan modification. They also are not applying the payment wired to them on XX/XX/2023 in the amount of {$8000.00} made on my behalf by NYS Home owner assistance fund. This bank is a nightmare and are doing nothing to assist me
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY (MD)

I received a check for {$4500.00} in my name for selling my car. I deposited the check around XX/XX/2020 at TD Bank XXXX XXXX XXXX XXXX Washington DC. I was informed by the bank teller that the check would be clear and available within 24hrs. I didn't withdraw any funds until Thursday XX/XX/2020, l was not told to wait 7 days before the check cleared l was told 24hrs. I began paying some bills that was with 7 days {$2000.00} minus from {$4500.00} which was left about {$2500.00}. That Monday XX/XX/XXXX my Bank Account was frozen and l spook to a TD Bank representative and was told l had a over draft of - {$2000.00} and the rest of the funds were taken by the Bank. I was misled to believe the check was clear in 24hrs he said TD Bank flowed me the funds until the check cleared. My question is why didn't they tell me that before my account was frozen l would have never touched the funds until it was clear? I feel that was misleading and not true of my protection from this Bank with a fraudulent check l received and have to pay the {$2000.00} back to the Bank. Is the bank protocol to mislead a consumer where is my protection?
Consumer complaint received 2020-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (VA)

I transferred {$5000.00} and paid an additional {$25.00} fee to Western Union 8 days ago. I was called to verify some facts and received an email confirming the funds were available 3 days ago. When the payee tried to access, Western Union blocked the transfer. I called and answered more questions from a second office. The low level call center representative made a decision to cancel the transaction on the spot. I am to get a refund within ten days. Western Union holds my funds for over two weeks, misleads myself and the payee, and provides no reasons or appeal for their decision.
Consumer complaint received 2022-06-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

On several occasions I requested that WAKEFIELD AND ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXX XXXX  be removed from my credit report. By unlawfully applying interest charges that were not authorized, Wakefield and Associates , IncXXXX, a debt collection agency, used ambiguous, misleading and abusive means to collect a debt. Wakefield and Associates XXXX Inc., a debt collection agency Failed to name the original creditor as requested, Failure to provide date of original debt, first missed payment that led to the charge-off. When I contacted Wakefield and Associates , Inc., I was informed that the changes in debt amount was due to interest and fees. When I requested information on the original creditor from Wakefield and Associates , Inc., the only referred to the company as " client, never releasing specific information so I could validate and research the account. I made the credit reporting agencies aware of these unlawful reporting instead of removing Wakefield and Associates , Inc., from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out lawsuit that Wakefield and Associates XXXX Inc., loss due to these unlawful practices the XXXX XXXX XXXX allowed Wakefield and Associates , Inc., to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Below is just some of the information that causes me further harm. 

WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1200.00} WAKEFIELD AND ASSOCIATES Reported : XXXX XXXX, XXXX {$1400.00} WAKEFIELD AND ASSOCIATES Reported : XXXX XXXX, XXXX {$1400.00} WAKEFIELD AND ASSOCIATES Reported : XXXX. XXXX, XXXX {$1300.00} WAKEFIELD AND ASSOCIATES Reported : XXXX. XXXX, XXXX {$1300.00} WAKEFIELD AND ASSOCIATES Reported : XXXX XXXX, XXXX {$1200.00} WAKEFIELD AND ASSOCIATES is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e Falsely representing that they were entitled to charge an amount they were not entitled to in violation of 1692e ( 2 ) ; Threatening to charge a fee in which they were not legally entitled to charge in violation of 1692e ( 5 ) ; Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt. 

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that WAKEFIELD AND ASSOCIATES is removed from all XXXX XXXX XXXX immediately
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I was a victim of identity theft. My phone, email, bank accounts, social security number were compromised. After speaking with XXXX and XXXX, we believe that my phone may have been cloned.

During this, the thieves used my information to log into my online banking and place a wire transfer to an unknown account of {$24000.00}. I notified Wells Fargo of the fraudulent transfer, and closed my accounts with them and obtained new account numbers and debit cards. Upon placing the fraud alert with Wells Fargo, I was told it would be investigated and I would hear from an investigator within 10 days days. 

Having not heard from them, I called customer service today XX/XX/XXXX at XXXX for an update where I was informed that the claim was closed by the investigator and the wire transfer was confirmed and completed. They said they attempted to reverse the wire transfer but were unsuccessful. I did not receive an answer when asked why the investigator never spoke to me and all they told me is that they would put in a request for them to contact me. As of now I still have yet to speak to a fraud investigator.

I received a call from customer service regarding my earlier call to go over the findings and was told that since the thieves authenticated using my stolen information, there was nothing they could do because they proceeded under the assumption it was me. That agent did, however, tell me that the investigation showed that the user operated using a VPN for my general area to access the online banking, and it was shown that it wasnt my usual IP identification, yet the transaction was not flagged as suspicious and continued to go through. I have set daily limits of {$5000.00} on my accounts which I assumed protected me over such a large theft, but apparently that does not apply to online wire transfers. That limit is {$25000.00}, which is why the thieves transfered {$24000.00} and not the full amount of my remaining bank account. 

When I asked the customer service agent for the information of the account or person the money was transferred to so I could include it in my police report, I was told that to protect their identity, they couldnt access or disclose that information. They put a request in for me to have that and was told someone would call me back within 5-7 business days.
Consumer complaint received 2023-03-29
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)

Equifax is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transactions by myself and I did not benefit from them. I sent XXXX a written correspondence which included my proof of identity, an identity theft report, identification of such information and as statement as the law requires. They are required to block and delete these accounts within 4 business days or receiving my notice.