davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-12
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (GA)

I paid the prior month and switched companies and they say I owe them which I dont. now they keep sending me text message and email. This company is reporting fraudulent, inaccurate information on my credit report. Also, this company violates my right to 15 U.S. code 1692e ( 12 ), and 15 U.S Code 6801.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Today ( XXXX  ), a total refund in the amount of {$2600.00} was deposited into my Capital One checking account by XXXX AS AGENT, bringing my total checking account balance to {$2700.00}. This is the refund amount that I requested be deposited into my checking account after the student loan that I borrowed from Department of Education paid for my graduate classes -- so that I could use these remaining funds to pay for the textbooks, etc. of the XXXX XXXX classes for which I registered this semester. 

When I went to a store ATM ( listed on Capital One 's app as an ATM approved by Capital One ) to withdraw some of these funds today ( XXXX ), the ATM stated that the transaction was declined by the financial institution ( Capital One ). I immediately went back to my car and called Capital One. 

Upon my call, XXXX, a Capital One employee from overseas, told me my account was restricted then sent an email, stating my account is restricted. Funny how this restriction came only after I tried withdrawing my funds. He also would NOT tell me why I could not withdraw my own money and why my account was restricted. I requested to speak to a US-based supervisor. XXXX kept me on the line for XXXX minutes, telling me repeatedly he was looking for a US-based supervisor that I eventually hung up without ever being connected to one. When I mentioned that I was going to report Capital One to CFPB and other relevant agencies, XXXX asked me to take a photo of my ID and text it to him, which I refused. I told him that if this had been a standard procedure, he would have asked me to do that in the beginning of the call, not after XXXX minutes into my being on hold. 

After hanging up on XXXX, I called again and got connected to another overseas Capital One employee named XXXX. XXXX eventually got me connected to someone named XXXX ( employee # XXXX ), who claimed to be a US-based supervisor. He, too, would NOT tell me why my account is restricted and why I could not withdraw my own money. When I told him that I need my money now for my classes, he claimed that I would instead be getting a check in the mail in the amount of {$2700.00} within the next XXXX business days. I want my money NOW.
Consumer complaint received 2024-09-04
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: BARCLAYS BANK DELAWARE (CA)

I noticed on my XXXX XXXX report that there were XXXX hard new inquires posted since yesterday. XXXX today on XX/XX/year> and one yesterday on XX/XX/year>. I have not authorized any of these inquires, nor have I applied for credit cards. I called each institution and notified them. They said they did not see any inquiries or applications but that they would make a note. 


First one : XXXX. Location : XXXX XXXX XXXX XXXX, PA XXXX. Phone number XXXX XXXX. XXXX type is individual. Requested on XX/XX/year>. 

Second one : XXXX XXXX. Location : XXXX XXXX XXXX XXXX, XXXX XXXX. Phone number XXXX XXXX. Inquiry type is individual. Requested on XX/XX/year>. 

Third one : BARCLAYS BANK DELAWARE. Location : XXXX XXXX XXXX XXXX, DE XXXX. Phone number XXXX XXXX. XXXX type is individual. Requested on XX/XX/year>. 

I also need a letter so that I can delete these from my report.
Consumer complaint received 2024-09-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

In early XX/XX/XXXX, I received a {$2700.00} deposit into my bank account from PennyMac. No explanations or documentation was provided for this deposit, so I'm guessing this was a refund for my recent tax exemption approval. Subsequently, XXXX XXXX XXXX sent PennyMac 3 separate checks for the refund, per law, collectively for approximately {$7600.00}. I do not have copies of these checks, but I will request them from the XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX and my exemption was approved for retro exemptions for the years XXXX, XXXX, XXXX. I received approval for XXXX this past XXXX. On my mortgage statements, the escrow being charged has not changed since I received this exemption. I've tried several times to contact PennyMac on my own and every time I call, I can never get a live person. This is very frustrating and time consuming. I asked my HUD counselor to assist me with this and we finally got a live person on the phone on XX/XX/XXXX. The agent at PennyMac stated that they wouldn't have the new tax amounts until closer to XXXX. XXXX XXXX XXXX has sent the approvals to PennyMac several times, and clearly they know I have this exemption since I received the initial refund. Why, then, is the escrow so high still on my mortgage statement? Where is the rest of the refund- it was sent to PennyMac, it should come to me.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I, XXXX XXXX, on this XX/XX/XXXX, submit this CFPB complaint against Capital One Auto Finance. I allege that on or about XX/XX/XXXX, Capital One Auto Finance discriminated against me as defined by 12 CFR 1002.2 ( n ), which states that discrimination means treating an applicant less favorably than others. For further reference, please see the attachments. 

Thank you.
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (CA)

I had a voicemail message saying I was approved for a $ XXXX {$10000.00} loan, and they needed to confirm some information. When I called they confirmed the last XXXX numbers of my social, address, phone, email, employer, etc. For them to finalize the loan they had to log into my bank account and wanted my user ID and Password so they can connect the XXXX banks. I refused and told them I was uncomfortable doing so and if there was another way to verify. He said no and got upset. I asked to speak with his supervisor and he said why? I explained I had a few questions and wanted them to verify my info another way. He hung up on me. I called ( XXXX ) XXXX and talked to XXXX extension XXXX.
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NV)

Spring Oaks XXXX XXXX  says I owe XXXX XXXX. to them. I don't know who these people are. I have no wet signature contract with them. Under XXXX5 usc 1681. I don't owe them anything. They illegal report this account to my credit report. I want it deleted off my reports. This company has no right to contact me. This company is illegal.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (CA)

I have a loan from Ford Credit. I believe I have paid off my truck, but can not verify it since I can not access my account online. I only get the following message : " We are unable to complete your request at this time. Please try again later or contact Customer Support. We apologize for any inconvenience. '' I called their customer service and asked for a call back, but when they called back the agent hung up on me. I tried calling again and waited on hold as long as I could and had to hang up. 

I just need to access my account to see if my truck is paid off. I also need to cancel future automatic payments that are scheduled. All of this needs to be done through the website or with someone on the phone.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NY)

I have an online savings account with BMO. I needed to transfer a large amount of my savings to another bank ( XXXX ) to put down a deposit to purchase an apartment. I looked up my transfer limits and learned that I have a XXXX XXXXXXXX daily transfer limit and a XXXX XXXX monthly transfer limit. So I made a XXXX XXXXXXXX transfer on XXXX XXXX and tried to make a second transfer for the balance ( XXXX XXXXXXXX ) on XXXX XXXX. The app would not allow me to make the second transfer because I had hit my limit. 

I figured it must not have been XXXX hours yet, even though it was the next calendar day, so I scheduled the transfer for XXXX XXXX instead. The app accepted the transfer request, but the next day ( XXXX XXXX ) I got an email saying that the transfer had been canceled because it was over my limit. 

I called customer service and explained that I had not reached my daily or monthly limits and could they fix it. The person I first spoke to said she couldn't and I should call back later and speak to the resolutions team, which I did. The resolutions team also could not fix the problem. 

They said the problem is that since XXXX transfers -- the only kind of transfer offered -- take 3 business days, I would not be able to initiate another ACH transfer until the first transfer was complete, at which point it would take another 3 business days. 

The customer service rep tried to arrange a wire transfer or emergency wire transfer for me instead, but was unable to do so because I do not live near a branch. 

It seems to me significantly misleading to describe a limit as " daily '' when in fact the limit is for every 4 days. While the customer service rep described the situation as rare, I am far from the only bank customer to engage in time-sensitive transactions.
Consumer complaint received 2024-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (FL)

On the XXXX XXXX XXXX I was hospitalized and had a high risk procedure performed XXXX XXXX XXXX and had XXXX XXXX treated. I have always paid my bills on time. I paid my bill on XX/XX/year>. I paid {$700.00} but saw on the first my bill was past do over {$500.00} I spoke with XXXX and was told it would cost me XXXX in interest alone to defer the payment. I can not afford this type of predatory interest, I am totally XXXX and can never work again.
Consumer complaint received 2024-09-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CA)

On XX/XX/XXXX the company : XXXX XXXX XXXX filed a collection account of {$270.00} from the original creditor : XXXX XXXX XXXX. 

The collection account has been outstanding since XXXX XXXX & the company has made no attempts to notify myself or attempt to collect on the charge of {$270.00}. 

I became aware of the XXXX account in XXXX of XXXX & immediately contacted the XXXX XXXX Services to dispute the charges, having contacted XXXX to dispute the amount owed. 

XXXX informed me that I did not have an open o/s balance with them, nor a customer profile. 

XXXX XXXX XXXX charged me {$1.00} dollar to speak to a representative, they placed a {$1.00} hold on my credit card on XX/XX/XXXX. 

I requested from XXXX XXXX XXXX a XXXX of XXXX, & was informed that to that I would have to pay {$190.00} for additional information. 

The Company has declined to provide me additional information to dispute their hold on my credit without first paying them money which is coercive & does not deal in good faith.
Consumer complaint received 2024-09-08
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (MO)

My brother died on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I purchased a XXXX ticket from XXXX XXXX XXXX XXXX  for XXXX. I believe trip to XXXX was through XXXX, but trip back to XXXX was through XXXX. 

On XX/XX/XXXX, I felt very, very sick. Early that morning, I took a XXXX home test and I tested XXXX. I started calling XXXX to ask about a refund- despite my XXXX XXXX XXXX XXXX they would not honor the refund. 

Next I called Capital One and I was assured that they would investigate. 

On XX/XX/XXXX, the date of the return flight, I started getting test messages from XXXX around XXXX XXXX about a delayed departure from XXXX XXXX XXXX XXXX. Every two hours, XXXX would send another update about another delayed flight. Finally at XXXXXXXX XXXX I received a text saying that the flight from XXXX to XXXX was cancelled. It had a link to a website to get reimbursement. 

That link never worked and I was never able to reach a XXXX agent on the the telephone. XXXX won't refund. XXXX won't refund and Capital One won't refund. 
Yes, I had XXXX and yes, I felt awful for two full weeks.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-09-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (FL)

I applied for a personal loan to find out that a debt collector named Zion Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> - Invoice # : XXXX was collecting an outstanding debt from a company named XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Phone : XXXX. The person used the name XXXX XXXX instead of XXXX XXXX ; used the address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; used the phone number : ( XXXX ) XXXX ; and used the email address : XXXX. None of the information is my personal information nor my place of residence.
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (LA)

This dept is reporting to my credit report I have no knowledge of this dept I have tried several times to get this issue resolved and they are constantly violating my rights In accordance with the Fair Credit Accordance this accounts has violated my rights 15 U.S.C 1681 section 602 A1 States I have the rights to privacy 15 U.S.C 1861 section 2 1602 A section B a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc. (CA)

Hello Privacy Team, I am reaching out to several companies to request the deletion of any data they XXXX hold on me. To make this process easier for me and to comply with XXXX guidelines, I kindly request that you do not ask me to perform any self-service actions or fill out any forms. 

My intention is to exercise my right of erasure under data protection laws. If there are any regulatory reasons why certain information can not be deleted, I ask that you please let me know what needs to be retained and minimize any unnecessary information, such as marketing and third-party data processing. 

To assist you in locating my account in your records, my details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me a confirmation via email once the process has been completed. If you require any additional information, please do not hesitate to contact me. 

Thank you for your assistance in this matter. 

Please send an email confirmation once the process has been completed, and if you need any more information, please let me know. 
I appreciate any help you can provide.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (NC)

On XX/XX/2024 I received information from my Credit Karma account stating a preapproval for a XXXX  XXXX credit card that provided a Credit Karma guarantee which provides {$50.00} payment from Credit Karma if denied the card. There are provisions and exclusions, but I am not disqualified based on the provisions and exclusions. 

Credit Karma stated an email would be sent will be sent Explaining steps acclaiming the {$50.00}. I never received an email and upon researching today, my XXXX will pull up to messages via email from Credit Karma but they do not open and disappear immediately. There is no further information within the Credit Karma website or app to find out additional information. 

I was denied the card, but Im now not being provided resources or information to claim the {$50.00} guarantee as quoted by Credit Karma.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am frustrated with TransUnions poor customer service, specifically in managing my credit freeze. Every time I log in, I encounter an error message that says, " Sorry, we're having trouble showing the status of your credit freeze right now. '' The online chat is unavailable due to high volumes, and when I call, I am put on endless hold after dealing with an unhelpful automated system. In contrast, XXXX and XXXX make it easy to freeze and unfreeze credit on their websites. I find TransUnions approach unacceptable for 2024 and expect better service.