davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I opened a savings account with Capital One N.A. on XX/XX/2022. My partner currently in XXXX, needed to deposit funds in a United States bank. She tried to become a joint account holder but couldn't succeed. I gave her my account information so she could make deposits to settle debts so she could return to the United States. She requested a friend 's assistance. He deposited {$5000.00} into my account on XXXX XXXX XXXX. Capital One held the internet deposit from XXXX bank to assure clearance. I contacted Capital One twice during the weeks of XXXX XXXX and XXXX, XXXX, XXXX to make sure the deposits cleared. I was informed it did. I transferred the {$5000.00} to my other bank, XXXX, in order that I could access the funds through my checking account. Capital One had denied me application for a checking account earlier. The money transferred and cleared XXXX. I went to XXXX on Monday, XXXX XXXX XXXX to wire transfer {$5000.00} to XXXX XXXX in XXXX, XXXX. It advised the money was a scam. I checked Capital One and there was another deposit for {$4700.00} made on XXXX XXXX. I requested a transfer to XXXX account. On XXXX XXXX, I sent XXXX XXXX of {$2000.00} to XXXX XXXX. On XXXX XXXX XXXX, I received a call from Capital One stating the activity was suspicious, accused me of possible fraud, and closed my savings account. The deposit of {$4700.00} was cancelled by Capital One and the situation is under investigation. I can not contact Capital One. It refers me to an automated recording saying my account is under investigation and to leave a message. It will contact me in 48 business hours. I was unaware of a third-party depositing for my partner. However, he is a real person and claims he made the deposits without illicit intent. Because of the rapid turnaround, the fraud detectors at Capital One probably went bonkers. My complaint, other than being told that I could go to jail, is that because I only had the savings account open for two days and deposits were made by another via the internet, I am a suspect of a scam or fraud. I also believe that due to my financial status being on a fixed income, that any amount exceeding what Capital One determines is my financial status, it calls suspicious activity. If I had a higher income, these deposits would seem small to Capital One and possibly be ignored. I have had similar problems with my other bank. Any deposit made over {$2000.00} is deemed suspicious. I have made inquiry as what triggers suspected fraud or a scam and was told it depends. No specifics were shared. The banks act like it's their money and customers need to get their permission to withdraw or deposit money. They are protecting themselves, not their customers due to overreach in security policies.
Consumer complaint received 2022-11-26
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

XXXX and XXXX reporting a debt in the amount of {$99.00} from Credit Control Corps, in regards to XXXX XXXX XXXX. Date of debt is XX/XX/2019. I had Medicaid through the state of Virginia and also XXXX insurance 2019 to current. 15 U.S.C. 1681, 15 U.S.C. 1681 section 602 A, and 15 U.S.C. 1681 section 604 A Section 2.
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Adjusters, LLC (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (PA)

my original loan amount was for about XXXX, that was a year ago. I called the bank today to see if I could have that 'accumulated ' amount reduced or eliminated. I was advised that it was not possible. This started out as a relatively small loan for an engagement ring for my fianc, and I was making regular payments for the life of the load up until now. I called on XXXX occasions and spoke to XXXX different representatives and I was advised that there were no options. I used to hold a regular credit card with Wells Fargo but I paid that off and closed the account because I do not care for their business practices. But for this particular purchase the vendor only used Wells Fargo for purchases of this kind. I would like to launch a formal complaint, in pursuit of a resolution regarding the XXXX interest charges. I am willing to pay off the original balance in full but I refuse to pay the interest on this this item as I believe is unethical and mounts to modern day usury. Please let me know if you have any further questions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2022 I noticed a hard inquiry on my credit report that I did not ask for. It was from Bank of America for the XXXX  XXXX XXXX XXXX card which I do not live in Alaska, I live in XXXX XXXX Contacted XXXX and other agencies to freeze my report and put a fraud alert on file. Attempted to contact Bank of America but automated system either will not put me thru due to me not having a account or hangs up, so, I can not speak to a live person. I want this hard inquiry taken off my report because it dropped my score a bit and I don't want something I did not apply for on file. This is probably related to the XXXX data breach which my account was compromised.
Consumer complaint received 2022-12-20
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 — Was not notified of investigation status or results
Company: Consumer Adjustment Company Incorporated (TX)

I have sent a validation of debt to the collection company XXXX XXXX XXXX based out of XXXX XXXX Missouri with no success. I have attached the validation of debt letter that was mailed out to them in XXXX. I have also attached the return receipt where I mailed it off Certified mail and they failed to sign that they received letter. but how could they sign for it if they are a " closed company. '' I have googled the address and information that is on my credit report about this company and it says they are permanently closed I attached a photo of this as well. I am requesting full validation of debt because I know I dont owe this company anything. The debts they are trying to collect are from debts that my insurance company has already paid. This company has a track record of trying to collect on debt that is not owed. This is causing me alot of stress trying to get these 2 accounts off my credit reports. These accounts are causing me so much harm, I could possibly lose my job for accounts that should not be on my credit reports and its affecting me daily. XXXX XXXX The account numbers for both accounts are Account # XXXX one for the balance of {$560.00} and the other for {$480.00}. I am requesting these inaccurate accounts to be removed from my credit report Immediately!
Consumer complaint received 2024-11-05
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. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-05
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. (ID)

Approximately 2 weeks ago I contacted XXXX XXXX to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with XXXX, TransUnion, and XXXX. I have yet to receive any response from XXXX XXXX . XXXX XXXX ( formerly XXXX XXXX XXXX ) did violate Family Educational Rights and Privacy Act ( FERPA ) and Privacy Act of 1974 and 5 U.S. Code 552a for the school was never authorized to share my consumer nonpublic personal information with anyone, however, did share my consumer nonpublic personal information with a student loan company.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (NJ)

Today is Tuesday, XX/XX/2022 and I am filing a complaint about a collection that was found on my credit report. I have been dealing with numerous accounts being opened under my identity fraudulently and have filed two other complaints about my identity theft issues with CFPB. This collection is from Southwest Recovery Services located at XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX for the collection in the amount of {$570.00} on behalf of XXXX XXXX XXXXXXXX. On my credit report, it shows that this account was fraudulently opened under my name on XX/XX/2022. After learning about this fraudulent account, I contacted XXXX to file a dispute about this collection since I am a victim of identity theft. XXXX is the only bureau that has this fraudulent collection account on my credit report and the other two credit bureaus, XXXX and XXXX, do not. I filed a dispute with XXXX about this collection on XX/XX/2022 and my dispute was completed on XX/XX/2022 with no email or text informing me of the results. This was very odd since I always receive updates on my disputes with XXXX since I signed up for text and e-mail notifications. This led me to call XXXX today, XX/XX/2022 at XXXXXXXX XXXX and I spoke with an agent named XXXX. I informed her that I filed a dispute about this collection on XX/XX/2022 and received no response about my results. She stated that XXXX concluded that 'I am the rightful owner of this account based on their investigation, ' which is upsetting since XXXX is aware that I have filed multiple disputes about fraudulent accounts being opened under my identity. I requested to file another dispute on this collection today since it is not right how XXXX is conducting their investigations. I let XXXX know that I am and have been a resident of XXXX XXXX all of my life and I have no affiliation with XXXX, which is where all of these fraudulent accounts are being opened under my identity. This is not the first time results from XXXX were not in my favor, which is why I continue to reach out to CFPB to find resolution with my identity theft matter. On XX/XX/2022, I went to my township 's police station, XXXX Police Station, to file another police report on my identity theft issue. I filed my police report with XXXX XXXX XXXX and he included this fraudulent collection from Southwest Recovery Services on my police report. In addition, XXXX XXXX XXXX has entered me into the XXXX as a victim of identity theft. I have frozen all of my credit reports with all three credit bureaus, as well.
Consumer complaint received 2022-11-27
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: Augusta Collection Agency, Inc. (GA)

ON XX/XX/2022 I SENT OFF A VERIFICATION LETTER TO CHECK ALL MY OF MY ACCOUNTS WAS CORRECT. THE CREDIT BUREAUS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ACCOUNT XXXX {$2500.00} ACCOUNT XXXX {$410.00} ACCOUNT XXXX {$100.00} ACCOUNT XXXX {$18.00} ACCOUNT XXXX {$350.00} ACCOUNT XXXX {$180.00} WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE ADDRESS IS INCORRECT AND THE OPEN DATE IS INACCURATE THE LAST DATE IS INACCURATE. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2. 

THIS LAW CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MT WRITTEN INSTRUCTIONS. 

I HAVENT GIVEN THESE ACCOUNTS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (CA)

They mislead you to right away service and money. They are keeping my money XXXX now.. Did not warm before. 

It's under the new account XXXX I need my money released now. 
R
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I noticed I was negative in my bank while I was out shopping. When I checked transactions I noticed XXXX purchases XXXX on XX/XX/2022 and the XXXX  one on XX/XX/2022 at a gas station located XXXX miles from my location. During the times of these purchases I was at home. Therefore, I have no way to prove it was not I that made a {$140.00} gas purchase on XX/XX/XXXX at XXXX XXXX standard time. I also didnt make another {$150.00} purchase at that same gas station at XXXX XXXX XXXX time the following day on XX/XX/2022. Chase Bank has rejected my claim because they say the debit card used shows it was used with the chip which can not be duplicated and the pin code was also used. I was at home these XXXX days during these time frames. The only witness I have is my husband and the text messages sent between XXXX regarding lunch and checking the mail which occurred an hour or more before the transactions. I even tried to get evidence of my location for those dates and my XXXX states they do not have the ability to provide pings of my specific location for those days. Only current locations. How can I get this handled? I have had a scam done a few months ago for {$3000.00}. It was reported to the federal trade commission. I have also had identity theft as well a few years ago. Where they used my personal information such as social security number, to open multiple accounts. This was also reported to police and all XXXX  credit bureaus. I am the only one working in our household. We are currently receiving XXXX  for XXXX  through state of XXXX because my pay check is XXXX  after taxes and medical insurance costs. This has effected me financially and emotionally.
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (NC)

During XX/XX/XXXX - XXXX, XXXX, I stayed at the XXXX XXXX XXXX XXXX XXXX Washington, XXXX. The costs were prepaid by my employer in advance of my stay ( see attached PDF ). However, I had to use my personal credit card for security hold/incidentals. Since no purchases, damages, or incidentals occurred during my stay, I was told by the clerk the that {$140.00} hold should be dropped from my card. It is now XX/XX/2022. The {$140.00} pending hold is showing up on my credit card. 

I reached out to the XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and the XXXX. I left a message with " XXXX '', the manager. I finally reached XXXX on XX/XX/2022. He claims reaffirms what the clerk had told me on XX/XX/XXXX, that the hold of {$140.00} was released. 

Also, on XX/XX/2022, I contacted Citi XXXX XXXX via chat ( see the attached screenshots ). After I was bounced over to a supervisor due to the gross incompetence of the representative ( Incident # XXXX ), I was told that there was nothing they could do and that the hotel would have to manually remove the hold. I did offer to do a three-way phone call with Citibank and XXXX hotel. As noted by the chat messages, the supervisor told me they no longer do three-way calls to remove pending holds. 

At that point, I called back the XXXX XXXX XXXX XXXX and spoke to " XXXX '' again. After informing him that he would have to manually remove the hold, I was informed was already removed on XX/XX/2022. Furthermore, he does not understand why XXXX and Citibank are keeping the pending hold. There is no open claim to the funds. 

Afterwards, I contacted Citi AAdvantage XXXX customer service by phone. I got the same run-around again that I did with chat representatives.
Consumer complaint received 2024-10-09
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. (CA)

I am reaching out to request the removal of a particular negative account from my credit report. Upon a thorough review of my credit report, I have identified an account that is having a significant adverse effect on my creditworthiness and financial stability.
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (DE)

This is not a refusal to pay an alleged debt! AMERICAN COLLECTIONS XXXX claims that I am obligated to pay them an alleged debt associated with account # : XXXX. AMERICAN COLLECTIONS XXXX shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If AMERICAN COLLECTIONS XXXX can not provide the original instrument or proof that it still exists, then AMERICAN COLLECTIONS XXXX shall send me an original statement affirming that AMERICAN COLLECTIONS XXXX did not sell the original instrument because if AMERICAN COLLECTIONS XXXX didn't sell the original signed instrument of indebtedness ; then AMERICAN COLLECTIONS XXXX should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when AMERICAN COLLECTIONS XXXX produces the original instrument or proof that it has not been sold, which proves that I am obligated to AMERICAN COLLECTIONS XXXX. Also please produce the trilateral contract between me ( consumer ), XXXX XXXX XXXX XXXX, and AMERICAN COLLECTIONS XXXX that shows I agreed to do business with AMERICAN COLLECTIONS XXXX along with XXXX XXXX XXXX XXXX or on behalf of XXXX XXXX XXXX XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
Consumer complaint received 2022-11-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (MD)

Called Affirm on XX/XX/27 Spoke with : XXXX XXXX. 
Time : XXXX Called Affirm on the morning of XX/XX/27 and spoke with XXXX XXXX to see if I could get assistance with taking off my overdue payments of {$160.00} for my XXXX loan account and {$53.00} for my XXXX account until I can get caught up and back on track. Stated that I had symptoms of covid and was out of work. Advised I have been financially impacted by covid. XXXX advised they could pause notifications for overdue alerts which didnt help because the overdue payments would still be there. 

I then provided my email for information regarding the loan modifications to be emailed to me. I Filled out the loan modification form and was approved to have my XXXX loan which was overdue by {$160.00} deferred for a month. But was not approved for the loan of {$53.00} which was also overdue. It would have been great to have the payments taken off so I wouldnt have to play catch up with all of my bills. I would greatly appreciate any assistance as of right now Im having a problem with getting groceries, paying bills, just maintaining and its causing a real strain and stress for my family. I currently have had a significant loss in pay as well due to a high cut back on gig work due to the low demand on gig work and cut back on pay. I feel that this is all very overwhelming and this was the lowest amount of help due to the fact that I have been on time with my payments previous to this and also have paid off loans as well. 

Who : XXXX XXXX : XX/XX/27 Time : XXXX