davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Dear CFPB, I received the following email today : " XXXX, Were restricting your Capital One account ( s ) until we can verify your recent account activity. 



Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you dont have an externally linked checking account or if the account linked is no longer open, a check will be mailed within XXXX business days to the address on file. 



If you have questions, please give us a call at XXXX, XXXX XXXX XXXXXXXX XXXX and Saturday XXXX XXXX XXXX XXXX 



Thanks for choosing Capital One. 




NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age ( with certain exceptions ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Washington DC XXXX. 





Products and services are offered by Capital One , N.A., Member FDIC. XXXX  Capital One. '' After receiving it, I called Capital One to verify its veracity hopefully resolve the issue and get access to my money again. The representative I spoke to claimed that the bank conducted an internal investigation and found suspicious activity on my account between XXXX and XXXX. They would not specify what exactly they were referring to, though I suspect that they were talking about checks belonging to my mother which she asked me to deposit on her behalf. After informing me that the bank 's decision was final, I was immediately locked out of my checking account, CD and various savings accounts. 

I have tried to call back to seek clarity on when my money will be sent back to me but now they won't speak to me and just ask me to leave a voicemail and don't even let me do that. I am reaching out to CFPB because this is my Social Security money and my savings which I need to survive and pay my bills. I've already opened an account at a different bank but I have no access to my money being held at Capital One. 

Thanks for your help and I look forward to a speedy resolution.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XX/XX/16 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-02
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (OH)

I have been notified that I have a delinquent charge from a company called XXXX XXXX XXXX for {$850.00}. I was notified on XXXX by email from a collection agency, Southwest Recovery Services, whom presumably bought the debt and is trying to collect. On the same date as this notification email, the open debt collection was reported to the XXXX credit bureaus. This has negatively affected my credit standing. 
I have no record of this charge, or invoice so I immediately tried to make contact with both parties involved to find out what the charge was for. I spoke to someone at Southwest Recovery Services that could not give that information, only the phone number of the original company, XXXX XXXX XXXX. I got a name from the person I was speaking to, only to later try to contact her and find that no such person works there. I contacted XXXX XXXX XXXX and after asking for the information, was hung up on. 
This is all very suspicious, since I have never done business with XXXX XXXX XXXX. I have no record of the debt and knew nothing about it for the years it was supposedly owed. I was only looking for a confirmation of the charges in an invoice, or some kind of paperwork. I believe that I am owed proof that I woe the debt.
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (KS)

I was previously with XXXX XXXX for my mortgage company. I got behind on my payments and was approved for a loan modification in XX/XX/XXXX. I paid the payments on time each month and completed it but then my loan was sold to Shellpoint Mortgage. All of the paperwork for the loan modification were signed and returned to XXXX XXXX so when I talked to someone at Shellpoint, I was told they didn't get all of that and the loan modification should be completed by the end of XX/XX/XXXX. Each month I would call and make my payments and was told that it wasn't completed yet and they apologized for it taking so long. In XX/XX/XXXX I was informed I needed to pay almost XXXX XXXX dollars and once that was paid, they would be able to complete it. I paid it and on XX/XX/XXXX I called to inquire and was told I needed to pay XXXX in order to complete the loan modification. In addition to all of this Shellpoint Mortgage has reported me monthly for defaulting on my loan so as I wait for them to do this my credit is decreasing.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MI)

I signed up for a new checking account with a promotional offer. I have completed the requirements of the offer as described in the Terms and Conditions I was provided, which I have attached. They have not given me my XXXX promotional airline miles. 

Per the terms and conditions : the requirements were : {$1000.00} in deposits and {$1000.00} in purchases with debit card within 90 days of account opening. The T & C state that the deposit would be made on the XXXX day following satisfaction of requirements. 

XX/XX/23 - Account opened XX/XX/23 - All requirements satisfied I have contacted Citibank on three separate occasions : XX/XX/23, XX/XX/23, XX/XX/23 with no resolution. Please see conversations attached. The representatives all have different things to say, even though I've provided them with the T & C that I agreed to. I verified that I've satisfied the requirements. They've raised investigations with no resolution.
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I have a Citi XXXX XXXX " Thank You '' credit card. When I made a payment to another credit card company through my bank 's online payment system ( EFT ), the payment was inadvertently sent to the Citi card instead. The amount was {$15000.00}. 

I contacted Citi by phone on XX/XX/XXXX, to request a refund by EFT back to my bank. The Citi representative stated that it would be done after review, because the bank routing number and checking account number had to be verified. That, he said, would take 3 to 5 business days. ( I questioned why that was necessary, since the payment came from the same bank and account where the refund was to be sent. ) Nothing was refunded to me, so today, XX/XX/XXXX, I called Citi again and was told that 2 supervisors had been reviewing the matter all this time. ( Citi was  earning interest on my {$15000.00}. ) Today I was told that I could expect the money to be sent to my bank approximately XX/XX/XXXX, but if it didn't arrive to call again. That worries me even more than the stalling I have already endured! 

Please investigate and put pressure on Citi to rectify this injustice. If it arrives as promised, my money will have been held hostage for an entire billing period. 

Citi can identify my account by the last 4 digits of my credit card, XXXX, and my name and phone number.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (SC)

On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.Not letting me access my interest/equity is an indication of violation of securities, breach of contract. They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and account still not credited.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

This Debt is tied to collection or lease agreement on a joint account that I have no knowledge of. My information was falsely used during this time period as I stated with XXXX and its on-going Data Breach Settlement.
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

Barclays bank XXXX XXXX credit card. 

online credit card payment to barclays was rejected by my bank ( XXXX XXXX ) because bank closed account due to fraudulent activity. 

I explained this to Barclays Bank supervisor XXXX, ID Number : XXXX and inspite of repeated requests to waive the fee for returned payment for extraordinary circumstances, she said bank policy is not to waive this fee under ANY CIRCUMSTANCES. 

Fraud on my checking account was out of my control and supervisor was absolutely unwilling to offer any help. 

Thanks XXXX XXXX
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (TX)

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.

The letters are stated with items and issues.

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 2023-08-01
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: Experian Information Solutions Inc. (GA)

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 U.S.C 1681 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 in accurate.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (DE)

During a visit to the TJ Max store located in XXXX, DE, I applied for a TJX Rewards Platinum Mastercard. A few weeks later the card arrived in the mail. I called the customer service number to activate the card. However, the 3 digit security code was very small and at XXXX XXXX XXXX XXXX, my eye sight isn't what it used to be. The customer servicer rep became very agitated and told me they couldn't activate the card. A supervisor got on the phone and began implying that I was a fraudster. I immediately cut-up the card. 

Afterwards I started receiving bills. The 1st one for {$60.00}, then {$100.00}, and finally, I recently received one for {$120.00} on XX/XX/23. I have never used this card! I have called multiple times to speak to them and ask them what was the charge for that they are sending me bills? Do they not have an obligation to describe the item they claim you purchased and owe them money? 

On of my calls to customer service, I was advised that they would report a fraudulent charge. My most recent attempt to obtain information about why they continue to send me a bill which keeps increasing took place XX/XX/23. I was on the phone for almost 2 hours. They kept transferring me to multiple individuals who made me wait several minutes before transferring me to another person. Finally, after requiring me to take selfie pictures of myself to prove I was the account holder, they simply said they were not able to tell me any information about why I had an account balance. It seems obvious to me now that this company has no idea how the charges accrued to the account and are themselves committing fraud and elder financial exploitation. 



I ask that these charges be immediately reversed, the account permanently closed, and any credit card delinquency reporting be immediately rescinded.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (MI)

XXXX XXXX XXXX Acc # XXXX, OppLoansXXXX Acc # XXXX, and XXXX XXXX XXXX XXXX Acc # XXXX All furnished known false information to my consumer report therefore violating consumer law. 

Today I am writing to dispute the verification of these accounts that has been reported by these unkown Creditors. I have reviewed my credit report, and noticed this Creditors has verified the accounts as ( accurate ). However, just for starters the supposed date the accounts were opened are incorrect and also the last date reported is not accurate which are in fact grounds for removal. The fair credit reporting act states everything on my report has to be a hundred percent factual otherwise you are in violation of 15 U.S.C 1681 which promotes accuracy, fairness, and privacy.

I would like to bring to your attention that I have never had any dealings or financial transactions with these Creditors and therefore I strongly question the accuracy and legitimacy of their claim. It is crucial that you assist me in rectifying this issue by conducting a complete and comprehensive investigation into the disputed account.

Furthermore, as a consumer, I am entitled to receive proper validation and verification of any debt claimed against me, as mandated by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Therefore, I kindly request that you provide me with the following information : Verification and validation of the debt claimed by this Creditor.

Documentation proving that I have entered into a contractual agreement with the Creditor for the alleged debt.

Copies of statements or other records demonstrating my liability for the disputed account.

Details of any correspondence or notifications sent to me regarding this account.

It is important to note that if the Creditor fails to provide the necessary documentation as outlined above, it raises doubts about the accuracy and legitimacy of their claim and proves the said transaction not to be valid. In such a case, I request that you remove the disputed account from my credit report immediately, I haven't contracted with this company in the past and I don't wish to do so in the near future.

I would also like to remind you that according to the FCRA, you have a ( legal obligation ) to conduct a reasonable investigation into any dispute raised by a consumer. I expect you to adhere to these guidelines and provide me with a prompt resolution to this matter.

Please acknowledge receipt of this dispute letter and inform me of the actions you will be taking to investigate and resolve the dispute. I appreciate your attention to this matter and look forward to a timely resolution.

Thank you for your assistance.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX and I made a bank deposit last Thursday on XX/XX/XXXX through the Atm at the Bank of America in XXXX, Tx on XXXX XXXX.I put my debit card into the ATM machine and Deposited {$300.00} for some reason the ATM started glitching and never gave me a receipt but it did eject my ATM card back out..I then proceeded to call the Bank of America to let them know what happened and they filed a claim and said I would see a credit for XXXX the following the day, when I went to check my account the credit was not in my account, So I called Bank of America again and they said they would not be able to credit my account until they finished their investigation..I think they are being unfair this was my money that their ATM basically stole from me and they are not wanting to credit my account while they are doing their investigations, that is a big inconvenience for me because that was all the money I had for the week, they said it could take up to XXXX buisness Days to see any kind of credits/ or Adjustments..Pease help, as a consumer I think this is injustice considering us people that live from Check to Check, just because their a Big Corporation does not mean they can or should treat us this way, its not fair please help with this situation.. Kindest Regards, XXXX XXXX