davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX XXXX. Capital one has been refusing to give me access to my funds. I got a direct deposit from XXXX XXXX XXXX ( XXXX payer group ) in the amount of {$32000.00} on the XXXX of XX/XX/2023. The deposit was as a result to what IRS owed me and refunded. I went to the bank the next day and I was told theres a block on my account and I cant access my funds for now. I was so disappointed then I proceeded to ask the lady whats the actual cause of the restriction on my account, then she said its because of a previous check I deposited in the amount of {$5000.00}. I told her, I didnt take a dime out of that money and I was the one who requested for a stop payment on the check. So, I told her I want a check for the good funds in my account which is my tax refund from IRS but she said I cant access my account. I went there another time with my tax documents, hoping to show them the documents in order to access my money but she refused. Meanwhile, before I went to the bank the third time, I talked to the account activity department on ( XXXX ) XXXX and the lady who talked to me, told me to go into the branch and I will be given access to the good funds from IRS but unfortunately upon getting to the bank. The branch ambassador which is XXXX ( XXXX ) XXXX and her contact numbers are ; XXXX, XXXX refuse to give me a check for the good funds despite the fact that the other supervisor said I should go in there to get it. Well, Im suspecting a foul play and I think capital one is just trying to steal from me or maybe its the branch ambassador but then, please and please I need MY MONEY. Im starving and broke, help me please! I want access to good funds that came from the XXXX payer group please. Im begging!!!
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (TX)

I am formally requesting the removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported on my consumer report, and their presence is a clear violation of the FDCPA and FCRA. I insist that these accounts and information be promptly removed from my consumer report to comply with the relevant laws. I demand their immediate removal to rectify this violation.
Consumer complaint received 2023-07-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (TN)

This business is claiming that I owe them 6 payments of {$35.00}, for a total of {$210.00}. This is incorrect. I ordered 1 item from XXXX that was {$35.00} back in XXXX and they charged me 7 times for the one item. I talked to my bank and we allowed 1 charge to go through, because it was correct. But the other 6 charges were not, so the bank did not authorize them. Now XXXX has sent a nonexistent debt to TRS recovery services, and now they are sending us letters claiming I owe them money. I have called multiple times and have been unable to get the issue resolved.
Consumer complaint received 2023-07-20
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

I deposited a payroll check into my account on XX/XX/XXXX with Wells Fargo that paid out. I keep those checks in a filer and someone redeposited the check XX/XX/XXXX into another account without me finding out until later. I called the company the check was sent to and deactivated the account set up in my name and the funds were not paid out. I started a dispute with Wells Fargo to get my funds back into my account and have been getting nothing but push back, talking to 3-5 people every other day with no resolve. Its been 2 weeks and I have not gotten any closer to a resolution than when I started, Im at my wits and need a resolution.
Consumer complaint received 2023-03-25
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. (NY)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Revolut Technologies Inc. (DC)

Revolut, a prepaid debit card, offers subaccounts called vaults, where money on deposit with the card can earn interest. In my case, the offer is to earn 3.25 % on balances placed in the vault. Due to defects with the Revolut application, I receive an error when I attempt to create a vault. 

The only way to raise a concern with Revolut is by chat. They do not accept phone calls. A chat regarding this issue was commenced at XXXX on Monday, XX/XX/XXXX. After nearly four days the problem remains unresolved and the multiple employees who have joined the chat have provided ineffective assistance, inconsistent information and overall deceptive guidance. 

Attached is the complete chat log. I have withdrawn all the balance using an ATM, but that left XXXX XXXX  on the card that an ATM machine can not dispense. It is hard to come up with a place that I can spend the XXXX XXXX balance but I will continue to look for that opportunity so that I can get the card back to XXXX.
Consumer complaint received 2023-07-20
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (DC)

I am formally requesting the removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported on my consumer report, and their presence is a clear violation of the FDCPA and FCRA. I insist that these accounts and information be promptly removed from my consumer report to comply with the relevant laws. I demand their immediate removal to rectify this violation.
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

the other XXXX XXXX XXXX called about a fraud attempt to obtain financing tob uy or lease or mortgage car at XXXX or else where, and on my creditr report I see ther was also an inquiry to capital one auto finance on XX/XX/23 also and I have no capital one auto inquiries and this is a fraud. Capital one I called twice and they seeemed unable to help me and kept me on hold for 15 minutes and did nothing. 

SO I am forced to file this complaint to make sure they recognize the fraud and identify theft and shut it down. shame on them.
Consumer complaint received 2023-07-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Hiday & Ricke, P.A. (FL)

I must refinance my home by XX/XX/2023 ; consequently, if the closing does not take place by this date, I will lose my home of ten years. Due to an outstanding debt, there was a lien on the title of my home. While ( successfully ) negotiating a debt settlement amount, the debt collector sent me a letter/notification stating, " Upon receipt and clearance of your payment in the above amount payable to this law firm, we will forward to you a Satisfaction of Judgment '' ( please note the fourth paragraph of the attachment ). 

My payment, which was wired to the law firm, was cleared and posted the same day. Following three days of no news I contacted the law firm and was informed, " The Satisfaction must be recorded by the clerk of courts office ''. Moreover, " That process takes 6-8 weeks minimum to complete ''. 

On the advice of my mortgage company, I have made numerous attempts to contact this law firm to obtain an original Satisfaction letter so that I may hand deliver it to the Courthouse and have them immediately record it so that I may obtain a book and page number to satisfy the mortgage company ; I have received no response. I am being ignored.
Consumer complaint received 2023-07-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

I have been working with the Mortgage relief program as well as CrossCountry Mortgage and loss mitigation in order to bring our loan current. We were approved for the Mortgage relief program, and they have released funds in the amount of {$60.00}, XXXX in order to bring out the loan current as of XX/XX/XXXX. However, as you can see from my XX/XX/XXXX mortgage statement, our loan is not reflecting as current, and it is still showing as late. It also states that failure to bring my loan current may result in fees and foreclosure- the loss of your home. As of XX/XX/XXXX, it shows I am 132 days delinquent on your mortgage loan. This is ruining my credit and I have done everything I need to do but if CrossCountry Mortgage does not apply the MSP funds to my account properly then I will continue to appear to be in default. As of today XX/XX/XXXX the amounts applied by CrossCountry appear to only be {$36000.00} and this is not the full amount of {$60000.00} and does not completely bring my loan current. The XX/XX/XXXX mortgage statement that I included shows that I am still {$16000.00} late on my mortgage which is incorrect. I have called CrossCountry Mortgage several times to have this issue escalated and I have not had a resolution. The XXXX has also closed out a previous ticket ( complaint XXXX XXXXXXXX ) I had regarding this matter because they had promised to resolve it.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MS)

Navient reported to XXXX Credit Report that my balance increased by {$100.00}, this caused my credit score to decrease. I have been paying on this account for many many months over 2 years without covid19 suspension of payments and this company reports negative information to my credit report. 
The balance of student loan is fraudulent as I never got a payment of the monies that were not used at XXXX XXXX and I never got any payments of monies that was not used from U of AR XXXX. When I disputed this, there was not an investigation. They bill me extreme added fees of interest and they never showed payments that were paid for 10 years after I graduated in 2002. 
The student loan has been a rope around my neck to freeze my credit score from improvement. This has took away from my education for years of rebutting navient bad unfair practices.
Consumer complaint received 2023-06-26
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: Block, Inc. (GA)

On XX/XX/XXXX, I had just received a new card from cash app, went to XXXX XXXX to purchase some ice, some kind of way my card must have fell out of my purse. The lady behind me went ona shopping spree with my card. I did not learn of it until XXXX the next morning, i called Cash appt right away could not get them so i called the police, filed a report they went to the store and saw the video and called me back. then i was able to get a hold of cash appt and file a report, when they got back with me they refused to give me my money back. I then called two liquor stores about the purchases they had on videos. i have kept trying to prove to cash app that i did not do this. I am a XXXX person and i would not do this to myself. I got back with the police wasn't able to get the video, but got my police report and sent it to them and still they are telling me that i made those purchases, i had just had money sent to me that same day so i could pay my bill, i have submitted my report 6 times and still they won't help me. the amount of money stolen is {$530.00} Pl help me.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

I called several time to try and fix whatever issue they had, they also informed me several time I couldn't make a payment over the phone, I tried adding my new back to the account 10 times over a period of 5 months or longer.. I can not tell you how many time I called to ask why does this keep refusing to let me add my bank? No answers, I asked so how am I supposed to pay something you wont allow me too? They always told me i had to two a few days for it to go though. I again have repeated this over ten times or so, i asked my bank if they were rejecting it and they told me no.. So i eventually got someone who forced the process to take place, I made the payment, and two to three days later they revoked my payment??? No they closed the credit card and charged it to my credit report!..
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-20
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. (VA)

Yesterday I contacted Experian to temporarily unfreeze my credit report. I then tried to contact them today to freeze it again. What I experienced was shocking. Both their phone system and web site are grossly mismanaged and often don't function. This must be hurting millions of people in the country. The automatic phone system simply does not function. And you can not get through to a live person. I couldn't use the web site because I was not able to set up a membership because of an " error. '' After a couple hours I was finally able to resolve this, but your agency should not be allowing Experian to operate in this way. 

It's not like consumers have a choice with these credit agencies. They collect information without anyone 's permission.

I know that your agency has many complaints against it because you often ignore consumer complaints, but I would recommend not ignoring this one. I have also provided this information to Congress, including the appropriate committee, so you would need to explain to them why you ignored it. In fact, they are the ones I contacted first, and they sent me to you.
Consumer complaint received 2015-08-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (KY)

On XX/XX/XXXX I purchased a XX/XX/XXXX XXXX from XXXX County XXXX XXXX Kentucky. I originally was told by XXXX XXXX XXXX Owner and General Manager that I was buying the vehicle for {$10000.00} and financing with Huntington Bank a small loan of {$1000.00} after putting down {$9000.00} cash. I later checked my XXXX XXXX XXXX sales sheet and discovered that the dealership with Huntington Bank 's assistance copied XXXX different sales sheets together and falsified the amount that I purchased the vehicle for from this dealership. I have faxed a copy of this false document that surly Huntington Bank did see in processing my car loan with them. I also discovered that the dealership forged my name on a XXXX fast cash loan document for another {$3500.00}. XXXX has told me they have started a bank fraud investigation against this dealership in this matter. I am XXXX Years Old and just got out of the hospital for two weeks and XXXX. Huntington Bank now has me owing them a car loan to them that my name was forged on their loan documents, clearly also the dealership used a false sales document that ultimately has me owing over {$23000.00} for a XX/XX/XXXX XXXX that has a blue book value of less than {$6000.00}. 

Huntington Bank and XXXX XXXX XXXX committed bank fraud against me and actually according to XXXX had even their money sent directly to the dealership and at no time does this money show up and is accounted for in this transaction. I have also filed a Complaint against the dealership and asked the State of Kentucky also to investigate this situation. Huntington Bank has me paying the Dealership a large amount of Dealer Reserve with an interest rate of nearly 5.0 % for 72 months even though my credit score is XXXX XXXX. 

I have asked the Dealership Owner to take back this vehicle since they committed multiple counts of bank fraud and the Owner has simply just threaten me.
Consumer complaint received 2022-09-03
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. (FL)

In accordance with The Fair credit reporting act the account listed below 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 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681XXXX XXXX INVESTIGATIVE CONSUMER REPORT States a consumer report in which information of consumers character, reputation, personal characteristics, and mode of living is obtained through personal interviews with neighbors friends or associates of the consumer who have knowledge concerning such items of information and is kept on FILE The accounts that I have listed below that I see on my consumer report are violating my rights and are doing so without my written instructions of consent and the inquiries that are also listed below that I have no knowledge of are also reporting on my consumer report without my written consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX