davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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 (NV)

Hello, I have already filed a complaint about this company but, I am doing a follow-up complaint. My prior complaint was number : XXXX. All of the details and screenshots are included in this complaint. 

However, I just received the company 's feedback to which they did not resolve my situation at all, purposely added more interest charges and fees to my account and did not at all attempt to contact me or remove the fees as requested. They also did not resolve the fraudulent charges continuing to try taking money from my account. 

It took the company over a month to repeat to me what they already said over the phone which has now caused my account to lapse even more in fees and is now out of my price range to be able to pay. Due to this, the account in question that simply needed a {$25.00} minimum payment now requires a minimum payment of {$170.00}. I said in my first complaint that Capital One would do this and it is exactly what they have done. 

On top of that, this company also fraudulently places holds on your account, which makes you account become overdrawn. I had a hold from groceries that I ordered for {$140.00} however, once that payment did finally post for it's adjusted amount, Capital One continued to leave the {$140.00} hold which left my account overdrawn for {$140.00}. When I called them about this matter, they said there was nothing they could do, which I knew was not true, as they had removed the hold in the past when I called back in XXXX of 2022. 

Capital One holds money, stacks on fees and interest and does not try to help consumers be able to make payments with them. They have no problem with ruining their consumer 's credit and making the card payments raise to ridiculous amounts. 

They completely dismissed and did not at all address my first complaint and definitely did not validate my fair resolution. As I said before, I would like ALL the interest to be dropped to XXXX and the late payments to be removed from my account, as I did everything I could as well as everything Capital One suggested for making appropriate credit card payments. My credit card having a {$170.00} minimum payment is unfair and illegal, as they are trying to make me pay that from FRAUDULENT charges that I did NOT allow or AUTHORIZE to come out of my account in the first place. 

When charges are fraudulent that means they were NOT authorized by the cardholder which means I did NOT make those payments which means I am NOT and SHOULD NOT be paying for " interest '' or " late fees '' because of them. 

Capital One KNOWS this because they also issued me a REPLACEMENT card. 

I made Capital One aware of a change in my financial situation
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ROBINHOOD MARKETS INC. (LA)

In late 2022 my robinhood account was deactivated. They continued to declare my funds as illegitimate. They are mine and the accounts prove to show that. They did nothing to help and took months to waste my time. They hold XXXX $ of mine.
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I pulled my credit report for XXXX  and XXXX  and both showed and account for CONVERGENT OUTSOURCING INC for the total amount of {$970.00}. I have contacted all 3 companies in an attempt to remove this account from my credit file. I sent a series of four letter requesting the verification of this debt I owe to CONVERGENT OUTSOURCING INC ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all certified. The first 2 were collection account validation letters of which I received 2 responses on XX/XX/XXXX and XX/XX/XXXX with an itemized copy of a XXXX bill will my name on it. I then sent my last 2 letters of I requested validation of the debt under the Fair Debt Collections Practices in addition a copy of Spears Vs. Brennan as an example of how their response does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. I then was sent a fraud packet that looks from XXXX to fill out but to send it back to CONVERGENT OUTSOURCING INC. with a copy of my police report and license. I Never signed a contract with Convergent Outsourcing I have been trying to remove this account from my credit report for months and it just keeps lowering my score and making my file decrease by claiming I set up an instalment agreement to make payments and lowering my score by reporting missed and late payments. The last letter was one that I will start to take legal action so here I am.
Consumer complaint received 2020-04-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have gone through an identity theft situation within the last few months and i have been doing everything to clear this misinformation from my report as it is affecting me during these hard times greatly. someone tried to open accounts with different banks using my name. I have filed many paperworks with the bureaus to no avail. thank you.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

I was looking into starting a transport business and leasing on to someones authority and ran across a guy who said he could help me out. Called the fmsca to get details and help to point me into the right direction on how to do things the right way. I was told that it was between me and the business to make a agreement on how to lease on. The guy ( XXXX XXXX ) as known on XXXX said to send him a payment of XXXX for a deposit for insurance witch was made on XX/XX/XXXX and another XXXX on XX/XX/XXXX to get the XXXX relay permits for hauling for them. He said that XXXX XXXX would do fine with sending the payment. Turns out after I sent the second payment I happen to do a quick XXXX search of his name and all kinds of bad news pops up with him scamming everyone the same way. I quickly call chase and let them know what happened exactly how Im explaining it now and said I have all documentation to support this incident on XX/XX/XXXX. I was told my account would be credited in 12 hours. Yesterday XX/XX/XXXX I received an email saying they denied the dispute. I called chase today XX/XX/XXXX and was told their is nothing that can be done because peer to peer payments isnt covered by regulation E and it was law not just chase. When other people recently who got scammed by the same guy under posts said they got they money back via their bank. I never disputed anything and now that the one time I get scammed they tell me there is nothing they can do it about it. Ive banked with them for years. Im very upset. I also reached out to XXXX XXXX  because thats what chase told me to do and they arent giving any money back either and I do not expect because that money came directly from my account. Even spoke with a supervisor, same answer. This is why people dont trust banks. And to top that they didnt even dispute both payments only one for XXXX
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED BANKSHARES, INC. (SC)

XX/XX/2023 I withdrew {$2300.00} dollars ( XXXX XXXX in a band, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) from United Bank at the teller inside. I needed it for a XXXX however the portal at XXXX sold that the transaction amount was too high so I went back to the bank between XXXX and XXXX to deposit it in the ATM ( it takes up to XXXX bills ), I inserted the cash and then proceeded to split XXXX XXXX out and say that it could only deposit {$1800.00}. I cancelled the transaction hoping it would return the full amount. It didn't and now the ATM has {$300.00} of my deposit in it. It's after XXXX and the call center is closed.
Consumer complaint received 2023-03-09
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I recently notified Experian that I am a victim of Identity theft. Experian responded that they Verified the fraudulent XXXX account as accurate and said that they would not re-investigate this fraudulent account that I am complaining about. The XXXX account that is reflecting on my credit report IS NOT MY ACCOUNT, AND I didnt have anything to do with it. I would also like to know how a fraudulent account is verified, and when and with who.
Consumer complaint received 2023-03-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CarMax, Inc. (LA)

XXXX XXXX Truth in lending Title 15 U.S.C 1605 Determination of finance charge " the sum of all charges " payable directly or indirectly by the person the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction the finance charge shall not include fees and amounts imposed by third party closing agents means everything included in the financing charge we doing an consumer credit transaction per U.S.Code of Law even my premium Id like XXXX  insurance if possible under the Consumer Protection Act Title 15 U.S.C 1662 no advertisements to aid directly nor indirectly installments or downpayments credit transaction failed to conduct a reasonable investigation pursuant to Federally Protected Consumer Rights notice of The violations i assert and atest single cause of action stimming fromnumerous and multiple willful, reckless or negligent violations of the FCRA ECOA TILA, and seeks actual and statutory damages pursuant to 15 U.S.C. 1681n ( a ) they made me get multiple unknown inquiries on my credit profiles after I was already approved they shopped and shipped my information illegal with my authorized nor consent please investigate each code violation and enforce them. 
15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7 I invoke my right of rescission to rescind the void or voidable contract
Consumer complaint received 2020-04-23
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. (MN)

I been receiving constant telephone calls of harassment, profane and abusive language and threats of violence from XXXX XXXX and XXXX XXXX XXXX in regards to 3 accounts that are fraudulent, unauthorized, not my accounts and is the result of identity theft. XXXX XXXX  and XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00}, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$320.00}. The following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX   XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (DC)

The following ongoing issues remain with my Dovenmuehle account : -their response to my last CFPB complaint is intentionally confusing and hard to follow. My attorney had a difficult time understanding their line of thought. 

-their response to my last CFPB complaint states that I can send updated information about my homestead tax deduction and tax lines to XXXX. This is a fake/defunct email address ( see attachment ). 

-the balance they are reporting to the credit bureaus does not match any documentation that has been provided to me ( {$4900.00} ) ( see attachment ). 

-they agreed in writing on XX/XX/23 to cease credit reporting until the issue with my tax lines is solved ( see attachment ). However, they reported the above balance on XX/XX/23.
Consumer complaint received 2023-03-08
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. (CA)

As a result of fraud I set a freeze on my credit. 

XXXX XXXX I decided to remove it. 

There is no way to do it online but there is a phone number listed. The number goes to a machine the simply recites the instructions for lifting the freeze by mail. It states it can be done online but provides no instructions. 

I logged into my account several times and called twice, to no avail. 

The machine refused to transfer me to a live representative stating " I can only do that under specific circumstances ''. 

According to this website this action should be able to be performed in real time without sending my personal information through the mail.
Consumer complaint received 2020-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

on XX/XX/XXXX notified 53 bank  about loan extension due to Covid 19, received email back on XX/XX/XXXX, wrote letter per their terms requesting 90 days. on XX/XX/XXXX I wrote again as I had not received an answer, the one week later made phone call go branch office, could not get through on the phone number they posted. girl who answered apologized and said if I got a response I was OK, not to worry. 
XX/XX/XXXX I finally get a letter stating as shown below : " We have submitted your loan request for our 90 day payment deferral, with no late fees payment application. Deferred payments will be moved to the end of your loan and your maturity date will be extended three months. '' then I get a letter today dated XXXX stating I we late fees, and it will effect my credit. checking my FICO it fell 26 points! I have had no problem with other accounts, only these guys. so I wrote again today, see attached : " what is this XXXX about charging me a late fee and showing a late payment? I first contacted you on XX/XX/XXXX, not my fault you are the only ones overwhelmed. Please restore my payment history to no late payments, and credit my account the userous late fee. I am very disappointed in your service, is this how you treat Americans in a pandemic? Please note in paragraph two above no late fees! You also say no further attention is needed than I get an letter from you making me sign an agreement. call me XXXX ASAP! '' my FICO fell 26 points from XXXX to XXXX! 
thank you, I am sure I am not the only one they lied to! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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. (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. 

Account name : # XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : # XXXXXXXX XXXX XXXX, Account name : # XXXXXXXX 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 2023-03-08
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: EQUIFAX, INC. (MA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (TX)

Central Portfolio is reporting a collection account on my reports that I have been disputing for a while now. 

I sent them a letter on XX/XX/2023 requesting validation of this debt and I have not heard anything back. 

Per the FCRA, the consumer reporting agencies have 30 days to complete their investigation in receipt of my dispute. It has been well past 30 days and have not received any type of communication back. 

How are they able to report this account on my credit reports as valid when they have not responded or provided any valid proof to me? 

I am requesting that this account is deleted from my reports as they are in violation of my rights as a consumer to have accurate and valid information on my credit reports and right to dispute!
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DC)

I have sent multiple written certified letters asking for these inquiries to be verified. No response it has been over 45 days. There is no permissible purpose items have not been validated 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 2023-03-08
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: Experian Information Solutions Inc. (AL)

Experian dispute file upload page cited error. Automated phone machine never connected to representative to discuss dispute and upload options. Do not believe mail was received before dispute decision was made. Decision for account to remain is in error because account was paid per lease agreement. In August 2020, the property manager at XXXX XXXX, XXXX XXXX, entered the apartment to make it uninhabitable and re-entry was not permitted.