davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Here is the letter I sent to them. " 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, TX XXXX To whom this may concern. how are you doing today. I am writing you with clean hands and in good faith. I am reaching out to you on behalf of the principal XXXX XXXX XXXX XXXX. I am accepting all rights and interest equity owed to XXXX XXXX XXXX XXXX. I revoke all previous power of attorneys expressed implied otherwise. The principal applied for Credit and was denied. Regardless of the reason for the denial the principal has the right to credits. With holding the principals access to securities is securities fraud. Capital One is violating the Equal Credit Opportunity Act, TILA, and Consumer Credit Protection Act. Since you are denying the principal access to credit, Ive asked the lending/underwriting team or whoever oversees securities to retract the application. I want to reserve all rights here, if the application cant be retracted then we both know that the loan was granted at the Treasury window, and I would like the credits so that I can purchase the truck for the pursuit to happiness Furthermore, If Im still being denied I would like to retract the application and rescind my signature on all documents and or securities the XXXX XXXX XXXX XXXX XXXX has with CAPITAL ONE. I would like confirmation via mail that this has been done. If this cant be done, I would like to be compensated being that my signature is the reason for the credits that you have accepted on my behalf which is identity theft and fraud, and I would like for XXXX XXXX XXXX XXXX balance to be applied to XXXX XXXX XXXX XXXX account for set off for this transaction. Also, for the credit card that I recently had that was closed I would like for it to be open and the highest limit for that card be added to it. I am writing you in good faith for I am doing the will of XXXXd. I am looking forward to hearing your response in five ( 5 ) business days. Thank you for your service. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I noticed multiple unauthorized inquiries on my report. 
According to the FCRA ( Fair Credit Reporting Act ) legally these unauthorized & unverified items MUST be removed. All of the inquiries are unauthorized & unverified. I also NEVER gave you guys my written or oral consent to report any of this information on my report.
Consumer complaint received 2023-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (PA)

Commonwealth Financial ( a collection agency ) reached out about a debt during the week of XX/XX/2023. This was a debt that was from many years ago based on an ambulance bill for our XXXX XXXX XXXX. The original creditor, XXXX submitted the claim to primary insurance which did not cover this fee, as secondary insurance ( Medicaid ) pays for this fee as a part of their transportation program. The hospital got pre-approvals and set up the ride directly through their vendor XXXX. ( XXXX XXXXXXXX XXXX ) before taking this ambulance ride. After XXXX sent us a bill years ago, we sent them our secondary insurance information. XXXX, according to our medicaid provider XXXX XXXX never tried to balance bill them and continued to try and collect directly from us. As I understand in Pennsylvania you can not balance bill a medicaid subscriber. 
According to Commonwealth, this debt was sold to XXXX XXXX XXXX. Earlier this year I again provided information regarding my son 's medicaid number and told them that XXXX never submitted claim to the insurer. I also offer to assist in researching this aged claim and wrote them a letter with any details I could find. My son takes ambulance rides all of the time to doctors appointments as he is XXXX XXXX XXXX XXXX  and no other ambulance company has had issues billing and we never receive balance bills over 15 years. XXXX has multiple claims for collection through their collection partners but refuse to bill our secondary insurer and instead come after us directly, even though the secondary insurer is the one they have the contract with for transportation. 
This morning we found that Commonwealth Financial had put a derogatory remark on our perfect credit report. If this was a valid debt I would pay it, however it is a charge that insurance covers.
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions in my account, after I had everything in place, due to identity theft, to prevent this -- - specifically accounts were deactivated and disabled. ( XXXX ) unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on several complaints. Too extensive to be listed on ( XXXX ) Complaint. 
-- -- As Follows -- in order : -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$300.00} -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXX XXXX. - {$200.00} -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXX. - {$250.00} -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXX XXXX - {$250.00} -- XXXX - Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX  - {$250.00} -- XXXX Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX. - {$250.00} -- XXXX Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX {$200.00} -- XXXX Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX. - {$400.00} -- XXXX Recurring Payment Authorized on XX/XX/XXXX XXXX. - {$100.00} -- XXXX -- XXXX XXXX XXXX XXXX. - {$8.00} -- XXXX -- - Card Claim Reversal of Provisional Credit XXXX. - {$480.00} -- - XX/XX/XXXX -- - XXXX XXXX XXXX. - {$360.00} -- XXXX -- - Wells Fargo Card XXXX XXXX - {$500.00} -- XXXX -- - XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX - {$19.00} -- XXXX -- - XXXX XXXX XXXXXXXX XXXX. - {$200.00} -- XXXX -- - XXXX XXXX XXXXXXXX XXXX. - {$500.00} -- XXXX -- - XXXX XXXX XXXXXXXX XXXX. - {$200.00} -- XXXX -- XXXX XXXX XXXX XXXX XXXX. - {$25.00} -- XXXX -- - XXXX XXXX XXXX XXXX. - {$100.00} -- XXXX -- XXXX XXXX XXXX XXXXXXXX XXXX. - {$300.00} -- XXXX -- - XXXX XXXX XXXX  XXXX. - {$500.00} -- XXXX -- - Non-WF ATM Withdrawal on XX/XX/XXXX. XX/XX/XXXX. - {$300.00} -- XXXX -- Non Wells Fargo ATM Transaction fee. - {$2.00} -- XXXX -- Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$22.00}. 
-- XX/XX/XXXX -- - Non WF ATM XXXX XXXX. - {$2.00} -- XXXX -- - Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX. - {$65.00} -- XXXX -- -Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX - {$56.00} -- XXXX -- - XXXX authorized on XX/XX/XXXX XXXX  XXXX. - {$47.00} -- XXXX -- - XXXX authorized on XX/XX/XXXX XXXX. - {$98.00} -- XXXX -- - Overdraft Fee for a transaction posted on XX/XX/XXXX. - {$35.00} -- XXXX -- Overdraft fee for a transaction posted on XX/XX/XXXX. - {$35.00} -- XXXX -- - Overdraft Fee for a transaction posted on XX/XX/XXXX. - {$35.00}
Consumer complaint received 2024-03-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

I do not owe the rental company any money, they were in breach of the lease and forced me to move. I signed a lease for a smoke free building and it was not smoke free - there was excessive cigarette smoking inside units all over the building. Complaints went completely ignored. When I told them I had to move out due to a XXXX condition, I gave them the courtesy of XXXX  days notice, while living elsewhere because I could not breathe. I confirmed with management that the XXXX months covered the broken lease fee of XXXX months. Then, many months after I moved they decided I owed XXXX more months and sent it to Genesis for collections. Neither the property, nor Genesis will acknowledge any of my communications regarding the matter. Genesis then took it a step further by calling my elderly parents and trying to scare them into paying this debt. When I complained, they ignored me. The matter is under current investigation by the XXXX XXXX division of the NYS Attorney General. This matter should be suspended until the AG makes a determination. If they deem I owe money I will pay it, but until then my vredit should not be destroyed.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (MI)

Hacker got one of our vendor 's email hacked. He requested to update their ACH information via email. We did update the ACH info per their request. He followed up on an invoice the vendor has with pending with us. We tranfsered almost {$80000.00} to pay the invoice.

Our bank is chase and the receiver 's ( Hacker ) bank is Truist Bank. 

My bank ( XXXX ) is not helping mentioning that there is no procedsure to help recovering the money bank as you authorized it to be sent.

I called the receiver 's ( Hacker ) bank ( Truist Bank ) and filled a fruad claim aginst the account. I dont konw where that went.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

Commencing on or around XXXX XXXX  I fell victim to two multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX SHOWING THE WRONG CLOSING DATE FOR THIS CHARGE OFF, THEY PUT A NEW DATE AND YEAR FOR CHARGE OFF DEBT, DO TO THIS INCORRECT INFORMATION AND OTHER INACCURACIES IM ASKING FOR THIS DEBTTO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT. XXXX XXXX is in violation of privacy act 1974, I didn't give XXXX XXXX Consent to report my personal information I also don't remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering XXXX  damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, Transunion and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions.l ask that XXXX XXXX XXXX XXXX to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 | ( 5 ). Preservation of consumers claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRI INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROV.

COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The intractions are as rollows : + Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 
804 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certitied mail 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 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 2024-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I am writing to file a formal complaint against Venmo for grossly violating my consumer rights. Despite repeated attempts to resolve an issue, Venmo has continuously hindered my requests and ignored communications from my bank, XXXX, regarding a dispute that has already been resolved and completed. 
in XX/XX/2023 My bank initiated a fraud dispute from venmo on XX/XX/XXXX for XXXX $ for XXXX XXXX CASE ID # XXXX However, upon further review, I realized that the dispute was not necessary, and I promptly requested its withdrawal. This withdrawal was not made in favor of either party but was a mutual agreement to resolve the matter amicably. 

Following this request, XXXX swiftly acted upon my instructions and officially withdrew the dispute, as documented in the attached letter from XXXX Despite providing this official documentation to Venmo, they have persistently disregarded the resolution and continued to treat the matter as unresolved. 

Furthermore, Venmo initially assured me that providing the letter from XXXX would be sufficient to resolve the issue. However, upon receiving the official letter, Venmo suddenly claimed that it was not enough. This inconsistency in their response is highly concerning and demonstrates a lack of transparency and accountability on their part. 

Additionally, I have encountered numerous obstacles in my attempts to communicate with Venmo regarding this matter. Multiple representatives have either abruptly ended chats or hung up on my calls. In an apparent attempt to avoid addressing my concerns, Venmo even removed the option of chat from my means of communication after I initiated chats daily to seek resolution. When I requested to speak with supervisors or managers, I was either ignored or transferred to another low-level representative, further exacerbating the issue. 

Furthermore, Venmo has frozen my account and informed me that they would be closing it. However, it has been more than 90 days since they took this action, and my money remains inaccessible, leaving it in limbo. 

This prolonged delay in resolving the matter and withholding access to my funds is unacceptable and adds further distress to an already frustrating situation. 

I urge the XXXX XXXX XXXX to thoroughly investigate this matter and take immediate action to rectify the situation. Venmo must be held accountable for their actions, and measures should be implemented to ensure that consumers are treated fairly and that their rights are protected. 

Thank you for your attention to this matter, and I trust that swift action will be taken to address these concerns.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (IL)

I requested a decrease in the interest rate on my mastercard. The rate is 31.24 %. I have been a customer of this charge card since XXXX. The card was a store card then changed to a XXXX  card. I have never missed a payment and have most of the time paid more than the minimum amount due. I have a XXXX  score of XXXX according to the credit card. They refuse to decrease the rate because of what I signed in XXXX. I would think that the store card transfering to XXXX would void the original agreement. I believe it is unfair that the company can not reduce the interst rate that XXXX  years ago was a penalty rate.
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

collection bureau Hudson valley You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ) see exhibit ( A ), you are in violation of the FDCPA, pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft and I filed a police report and FTC report and sent them to the credit agencies. These documents are not being processed correctly and my disputes are not being submitted. I also am not getting copies of the verification process The Accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After XXXX my complain because they LOWED MY CREDIT SCORE OVER XXXX POINTS, without Me being late in any of my debt, not delinquency, etc. TransUnion send me a letter REQUESTING my state prove of identity ( I send my GA State ID, SS Card and an Actual current apartment bill ). They RESENT me a card stating ONE OR ALL my documents where expired or NOT ACEPTABLE. " Also '' a phone number to CALL which directed me to a point ONLY FOR TEXTING with an " agent '' who Only can help me LOGGING IN!
Consumer complaint received 2023-10-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (FL)

I called to request a loan modification or forbearance and was denied both. I was told that I did not qualify and that was the end of that conversation. I do not have the representative name but it will be in the phone logs. They tell me that I did not respond so they denied me modification but that is not the case. They denied me modification and that was that. I tried doing a short sale but they for closed and my realtor did not have time to collect all the info to list it. Wells Fargo took my daughter 's home from us and 10 years of my life unable to buy again because it foreclosed. The call was between XXXX and XXXX of XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.