davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am an Identify Theft victim and I was recently forced to hire a company to assist me in removing fraudulent files from my credit reports. 

After a thorough review of my reports, I noticed that Capital One had placed an inquiry to my reports on XXXX. 

After speaking with representatives from XXXX, I was told to notify Capital One in writing and wait for their response. Once I received a response, stating that the inquiry should be removed, I was to forward it to XXXX. This is their procedure for removing a Hard Inquiry. 

I sent a certified letter to Capital One and it was delivered to them on XXXX XXXX, 2015. The letter asked them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. 

On XXXX XXXX, 2015, I received a response from Capital One. However, the letter I received did n't indicate whether I had applied for credit with them. It was informing me of the different types of inquiries, which I already had knowledge of. So, I contacted them by phone and was told that I had multiple accounts with them and one is presently documented as a paid closed account on my credit report. I asked the representative if she could forward me any information regarding these accounts and after nearly XXXX minutes on the phone, she encouraged me to communicate with the credit bureaus. 
I have never had an account with Capital One and I have never applied for credit with Capital One. 

Therefore, I am filing a complaint CFPB, hoping to get a successful resolution of this matter.
Consumer complaint received 2015-06-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: First Data Corporation (VT)

I work for a Company that does business with XXXX XXXX XXXX XXXX. XXXX provides SPIFF 's as bonuses to the sales people. Money Network is the provider that XXXX uses to distribute these bonuses. In XXXX of this year I received XXXX debit cards from Money Network and I activated them on-line. On XX/XX/XXXX XXXX made a deposit of {$75.00} into XXXX of my cards as a XXXX bonus. XX/XX/XXXX I attempted to access my bonus funds and had the card declined. I called Money Network and was told that I had to fax a copy of my social security card, drivers license and passport to verify my account. I did not want to do this and sent a request to have XXXX help me and was told by them that I had to deal with Money Network. XXXX would not help or change their policy to send bonuses to an account of my choosing. I called Money Network again and had to fax the documents to them. About a XXXX later, I called Money Network and was told the accounts were still locked because now they needed proof of my physical address. I faxed them a copy of my last propane bill on or around the XXXX of XXXX. I called them back around the XXXX and they stated that they had not received it and I needed to fax it again. I faxed it again on the XXXX of XXXX and called back on the XXXX, still they had not received the second fax. I asked if I could get an e-mail address to send it and they refused. I asked for a supervisor and was given an e-mail address and sent the bill on the XXXX of XXXX. I called today and my accounts are still locked because the bill is now older than XXXX days. It was dated XXXX XXXX the date of my last delivery and now unacceptable. When this all started it was well within XXXX days and by all accounts is only just over by XXXX days now. I wo n't be getting a propane delivery again until fall. I think I have been more than patient in attempting to access funds that are unquestionably mine. I need to have help in convincing Money Network to unlock my XXXX cards and allow me access to these funds before they start charging monthly maintenance fees. Thank You!!
Consumer complaint received 2015-04-06
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

In XXXX XXXX I took out a loan with Springleaf Financial. I spoke to the lending clerk before coming into the office and she told me to make sure that I bring in my driver 's license, birth certificate, social security card, and a voided check. When I got into the office she quickly went from page to page having me sign where needed as it was close to closing time for them. She told me what to write in for the collateral items for the loan, and also told me to write in whoever for the references as she was not going to call them she said. Lastly during this visit she asked me if I wanted to set up automatic payments using my checking account, I said no that I would prefer to pay it manually, however she made a copy of my check and said that this was for proof of a checking account and sent me on my way. After having a chance to read through the loan terms I found many many things that were deceptive. Like the extended first payment charge which I did not request and would have been against if I would have seen that during signing. 
Now a little over a month later, Springleaf pulls the payment from my account exactly like I asked them not to do. So I had this payment returned through my bank. Now upon this being sent back to Springleaf is when they realized they did not even have my signature to pull the payment and called me asking me to sign the form that was sent to me in the mail, which I still have in my possession because I did not allow this. This happened on two more occasions where they pulled money without my permission, once being a double payment to make up for the prior month. Which working in a XXXX, I know this is against ACH originator rules and regulations. 
In the meantime I tried contacting them through email regarding the situations on XXXX XXXX XXXX. I gave information to identify the account and prove I was a customer and never heard back from them after this. I said in the email that I did not want to be contacted by phone, only email. However they still continue to call. Once having even calling my employer, which I never gave permission for either.
Consumer complaint received 2015-12-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (RI)

I went to University XXXX XXXX for the first two years of my XXXX and XXXX College for the last two years of my XXXX. They have charged me a 9.75 % interest rate since I took my loan out over 5 years ago. Their interest rates are too high.
Consumer complaint received 2015-04-06
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (TN)

XXXX has frozen my safe with {$100.00} in it and is not allowing me to access my funds. I have been trying for 2 months to access my funds, but the account has been frozen. I have been trying to contact customer service, but have been unable to reach them. They are holding my {$100.00}, and I want to either load my card or have them mail it to me. 
My username on their site to access my safe is XXXXXXXXXXXX 'm attaching a picuture of what happens when I try to log in. There is {$100.00} in the safe that is mine and they are holding.
Consumer complaint received 2015-04-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NY)

In order to pay for XXXX XXXX, I took out loans with XXXX XXXX ( as well as State/Federal ). I, like many others I 've heard from, have had difficulties communicating with XXXX XXXX representatives and getting good information. 

I have requested information from XXXX XXXX regarding how my minimum payment is calculated and about the history of my loan balances and how they have changed over time pursuant to the amounts I 've paid - e.g. how much was applied to interest vs. principal. 

I have been told this information is too difficult to gather ... and that the XXXX format of the information is difficult to translate into an email or letter. I had a sneaking suspicion that the minimum amounts to pay each month and they way they were being allocated were sub-optimal for me. 

Similarly, I requested an amortization schedule from them so I could get an idea of how my loan balances should reduce over time. I was told this was impossible because of my variable interest rates ... however, all of my loans through XXXX XXXX have fixed interest rates. A follow-up communication by me on the matter was not replied to. When I plug in my XXXX XXXX loan information ( principal balances, interest rates ) into Amortization calculators on the internet ( designed for mortgages ), I get different minimum payment figures than what XXXX XXXX provides, which furthers my distrust. 

I have included a PDF from XXXX XXXX that shows their answer to my aforementioned question, which includes the element about my loans and their variable interest rates. Again, my loans have fixed interest rates. 

Are these unreasonable requests? And how should I best approach the matters? XXXX of the reasons I decided to refinance recently was not just to save money, but also to not have to deal with XXXX XXXX anymore. 

Thanks!
Consumer complaint received 2015-10-16
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Vantage Sourcing, LLC (AZ)

I have a collection agency that has been harasses my family for me and they tell everyone that they are the cops and they are putting me in jail and telling everyone they are a collection agency and they call me and tell me that they are going to put me in jail if I do n't give them my place of employment. And to top it all off I believe this bill is over 7 years old! I need help cause they are calling me all day on my cell phone and I 've told them several times to stop calling my cell phone. I believe it is rent a center in XXXX. And I live in XXXX
Consumer complaint received 2015-04-06
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CNG FINANCIAL CORPORATION (MD)

A third party collection agency is calling my job on a debt that I paid in full in 2008 with another collection agency. This agency will not give me a name, number, or addrss to send them my paid in full letter. they are calling my place of employment and threating me!
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX
Consumer complaint received 2015-05-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (CO)

My son has several school loans under American Education Services. I have to help him make his payments each month. When I go onto their online payment system, I have been paying amounts in increment installments on all loans by using their payment system. I pay each installment by the end of the month. Every month, I have been getting harassing calls by this company who states that my payments are delinquent. There is XXXX payment that they have been carrying over for over 40 days stating that this payment has not been made. I spoke with the supervisor and he claimed that the payment went on another loan. How can you use their payment system and request that this payment be made to this loan and it gets applied under another loan? This is not the first time that this has happened. I feel that I have paid them double the amount on my loans. For example, I paid my loan installments, in full, on XXXX payment in the amount of {$600.00}. The following month, I received a call from AES and they stated that I had a delinquency of {$300.00}! This amount also included late fees. This has happened before and when I approached AES that I wanted a summary detail payment list, they would not provide me one. The supervisor looked into it and stated that my money was allocated to other loans rather than the ones that I had indicated. This has happened to my daughter 's student loan that she has with AES, so this method is practiced quite frequently. American Education Services is the ONLY lender that places harassing phone calls. Other loan companies will call and ask if you have made the payment, and if you tell them that you will be paying the following week, they accept that statement. I do know that there are some people that will not tell the truth, and when they are asked about when they will be submitting payments, they lie. However, for someone like myself, who considers myself as a good person, gets harassed to the point that I have to hang up the phone. This has got to stop, not only for myself, but for other students who are desperately trying to pay back a student loan under this very poor economy. Another question, why do n't they allow students to pay on a monthly installment that they can afford? AES requires that you have at least a $ XXXX job so you can handle their payments. This does n't necessarily happen with students who just get out of college. And with the economy now, it will take a long time before they get to that level of salary.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC (NV)

caller leaves a contact not from who left the message. states that we have unpaid debt which we do not have ant UNPAID debt. number calls from ( XXXX ) number to call back is ( XXXX ). They leave no name or company name.
Consumer complaint received 2015-10-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (AZ)

I have written the collection agency about a fraudulent they are reporting on my credit file. I sent a dispute to XXXX and provided both agency my Identity theft affidavit along with my police report. The collection agency did not ignored my document and verified this fraudulent account to be mine and never responded to my request and dispute. they are causing me a lot of distress. I have been wrongly denied credit due to their false reporting and negligence
Consumer complaint received 2015-11-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UMPQUA HOLDINGS CORPORATION (CA)

I discovered a check I wrote to pay a bill, never was received by the person it was sent to and that whoever stole it, wrote their name in above the payee and cashed or deposited it. My bank can see it was obviously altered and have sent it to the other bank as a fraudulent item, but they are not giving me " provisional credit '', even though their customer service has told me that their policy is to receive a credit within 7-10 business days. Today is the XXXX business day since I reported it. This is a business checking account with Umpqua Bank. I have called several times and no one can explain to me why I have n't received a credit. Only that it can take up to 90 days for them to get money back from XXXX XXXX XXXX who processed the fraudulent check. The check is # XXXX for {$1700.00} written to my XXXX, XXXX XXXX.
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

THATS IT IM ABOUT TO LOOSE IT. I HAVE SENT THIS COMPANY A LETTER TOO STATING THAT THE INFORMATION THEY HAVE IS NOT RIGHT AND THEYS NEED TO STOP CALLING AND REPORTING THIS XXXX ON MY REPORT. I CANT HAVE THIS.
Consumer complaint received 2015-06-20
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Consumer Adjustment Company Incorporated (GA)

I was n't sure which category this complaint would fall under. I had a debt with XXXX Hospital that I had a payment plan with and fell behind. They sent it to collections. I understand that. The collection agency called me and we negotiated back and forth about a payment plan. The next day ( today ) a hard inquiry is showing on my credit report for an installment loan with the collection agency. I did n't agree to anyone pulling my credit and I absolutely did n't agree to my " payment plan '' being an installment loan. I 'm in the middle of buying a house and I would not have had anyone pull my credit or put an installment loan on my credit. I was never advised I was going into a committed installment loan and did n't authorize my credit to be pulled.
Consumer complaint received 2015-06-19
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

A girl by the name of XXXX XXXX that I knew only from social networking via XXXX said she works for " XXXX '', an investment company that you can collect unclaimed taxes from. The deal was to MoneyGram her company XXXX $ and in return I would get XXXX payments of a total of {$5300.00}. I do n't know why I believed her but I did and I sent her the money to Illinois under the name " XXXX XXXX '' and shortly after some text messaging correspondence I never heard from her again. I just want my money back and I 'm doing anything I can do get it back. I have attached all supporting evidence I have. Thank you.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unveriflable Information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found lo 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-16
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Have threatened to take me to court over a debt. I was afraid so I made a deal with them. Now they are doing it again. They are Attorneys that use scare tactics and threats to get you to pay from a Debt they bought from someone else JDB = Junk Debt Buyers. Phone calls and letters to sue me again over a bill that was {$300.00} dollars and they want {$870.00}. This firm is disgraceful and the worst kind of lawyers you could imagine. It has been a nightmare.
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Hello ; I had a GM credit Card/Visa, XXXX for year with a account secure plan that covered death, that would cover my balance, that you paid each month, you patd so many dollars on each XXXX dollars. A couple of years ago, GM sold that account to Capital one Visa. A week ago, I received a letter from Capital One Visa, stating they were cancelling the accout secure plus plan. I called them and asked, what happen to the XXXX of dollars that myself and others paid in? Why not apply that toward the balance on the account. She stated, that 's not going to happen, they would n't do that. I informed her that while I was talking to her, I was writing a Senator ( XXXX ) regarding whats going on with Capital One, she then said " What I can do for you is, credit you for 1 year of payments, paid for that plan. I said Ok and left it at that. People with Capital One Visa, along with myself have paid in XXXX toward this plan and they should have paid down or off card holders balancs. In what I 've paid in, my balance would have been paid off and I 'd keep the card, thanking them for their service. I 'm retired on a XXXX retirement ( XXXX ) XXXX XXXXTakes affect XXXX/XXXX/2015
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been paying down my Bank of America credit card for over one year and have not used it. The interest charge amount keeps going up instead of down even though my balance total amount goes down.The interest rate has been 19.99 % for quite a long time and has not changed. I am trying to pay it off and it seems that there is an error in their calculations. I have spoken with numerous representatives and they keep giving me the run around. 
Please help me resolve this matter, as it seems impossible to deal with this company.