davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-26
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XXXX/XXXX/2015 i removed the freeze on my XXXX credit reports and applied for a Capital One credit card. I was approved with a {$15000.00} line of credit within 5 seconds and was told i would receive my card within 2 weeks. 4 days later i received a call from " someone '' from Capital One saying i needed to send in documentation verifying my identity before i could get my card. I thought it was a scam to get my identity and ignored it. I then received my credit card in the mail with a welcome letter. I called the number on the card to activate it. I was told that i had to send in documents to verify my identity. I sent them a copy of my drivers license with my current address, social security card, utility bills of gas and electric with my current address to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : XXXX Fraud Dept.-FIT. I then received a letter from Capital One dated XXXX/XXXX/2015 that says " we suspect fraudulent activity on your credit card so we placed a temporary hold on it to make sure no one is using it without your permission ''. I did not hear from them for 10 days so i called them back. They said they never received the documents, I sent them the same copies again to the same address. About 2 weeks went by so i called them again. A lady i spoke to apologized, said i was approved, and she released the card for me to use. I started using the card, made at least XXXX purchases, then received another phone call from Capital One saying the card was suspended because they never verified my social security number. I decided that i was going to just pay off my purchases and cancel the card but when i go to my e-mail online account it wo n't let me access the account. I went to my XXXX and XXXX credit reports and it shows Capital One made a credit inquiry on my behalf so i do n't know what the problem is here. My welcome letter from Capital One shows a credit check from XXXX so i do n't know if it is them i need to go after but i assumed my social security number is in my credit reports. i do n't know what to do so i am filing this complaint.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I need to clarify an earlier complaint that was filed ( Case number : XXXX ). My lawyer incorrectly stated that that I had an account with Capital One that was abused by defrauders. In actuality I had no account with Capital One. The defrauders opened an account in my name, and had XXXX checks sent to me, which they purported were from them. I foolishly followed their directions, opened a checking account, and deposited the funds in the account, Thank you
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My credit card was lost and then the new card was compromised from shopping online I reported the fraud to capital one but not realizing I paid charges that were not mine to the tune of almost XXXX over the months that I did not realize my card was being used not only by me but by someone committing fraud capitalone policy is that you will get your available credit back as soon as they finish there investigation I got my credit back last month I still have a {$3000.00} surplus on my account that is mine and they are refusing to refund it to me telling me that there is still an investigation going on my representive is named XXXX a totally nasty man who calls up and tells me that there was no fraud on my account because they did not go max out the card at XXXX XXXX I do n't know what criminals do I 'm not one I explained to him I just want the money due back to me that 's on my account it 15 days shy of there 90 grace period and no work is being done on my account there stalling because they do n't want to refund me
Consumer complaint received 2016-12-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The desert is Kohls department store I have made several attempts with them to make an arrangement and apparently the arrangement was not set and they are continuing really calling me morning noon and night to pay a {$300.00} credit card. I had told him I will pay it and they still continue to call me all day and all night the latest call I received with the XXXX at night. And I have tried blocking them.
Consumer complaint received 2016-01-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PMAB,LLC (AR)

Recently I visited an ER, and later my insurance company, less a {$35.00} deductible paid the bill. 

Yesterday, I tried to rent an apartment and was asked for a larger deposit, due to the recent tradeline placed on my reports by an unlicensed to conduct the business of a collection agency in the state of Arkansas, Professional Medical Adjustment Bureau. 

I obviously dispute the alleged debt, but was given no opportunity to dispute because this debt collector did not send to me, within five days of its initial communication to me, my XXXX rights under the FDCPA. 

In my circuit, reporting to a credit bureau is a communication to the consumer and considered debt collection activity. See, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( " '' The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver. Consistent with the view of the FTC-and consistent with the views expressed in XXXX, XXXX, and Semper-the court finds that XXXX was engaged in " collection of the debt '' in violation of XXXX ( b ) when it reported XXXX 's disputed debt to the CRAs before sending verification of that debt to XXXX. " ) ). 

XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( W.D. XXXX XXXX XXXX ( Reporting to credit bureaus is a communication within the FDCPA. ) ). 

Banks v. XXXX XXXX XXXX, XXXX WL XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ) ( Rejecting the argument reporting to credit bureaus is not debt collection activity ) ). 

This collection agency has violated the FDCPA and the Arkansas XXXX, by failing to be licensed to conduct the business of a collection agency in the state of Arkansas, but nonetheless communicating with me through my credit reports and attempting to collect a debt from me via my credit reports. 

If this illegal reporting is not removed from my reports, I will file a private action in the United States XXXX for the XXXX XXXX of Arkansas. 

Thank You!
Consumer complaint received 2015-10-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Conituous calls to collect debt that is over card limit? I am current on payments and have NEVER been late for tha past ten years. But they call from " Collections '' asking how I can resovle my debt. I ask am I late? Did I miss a payment? The answer is no " But '' its over the limit and want to know if i want to make a plan or arrangements to get the amount below the allowed credit limit?
Consumer complaint received 2016-09-19
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MOHELA (IL)

Mohela has been calling me for almost a year now. i have blocked the number and they find new and different numbers to call from. They call multiple times a day everyday and i have explained to them a minimum of 10 times now that the person linked to my cell # is not me. I went through a lengthy process of proving this twice before so they would remove my number and it somehow keeps getting added back into their system. they continue to call XXXX3 times daily all hours of the day, leaving me messages about a debt owed that is not mine. i have asked many times now, proven the number is mine and not the " borrower '' but they keep calling me despite attempt after attempt to stop the calls!!!
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (IL)

I have an American Express credit card before, during I travel out of the U.S., someone stole my credit card information and use my credit card in U.S. After I found the fraud transactions, I reported to American Express . However, they just blocked my account and finally sold to a debt collector. This has great impact in my credit report. I called them so that we can resolve the problem, but they just asked me to call the debt collector. When I called the debt collector and told them the situation, they ask me to call American Express. Then I called American Express again and wanted to negotiate with them, but they refused, and they keep asking me to call the debt collector. When I try to call the debt collector again, they never pick up my phone. Again, I call American Express, they still keep asking me to call debt collector. 
The reasons I need to complain as follows : First, someone hacked in American Express 's system and steal my information is their fault, they failed to maintain a security system to protect their customers. 
Second, after I reported fraud transactions to them, they fail to handle this problem, instead, they just blocked my account. 
Third, American Express locked my account and sold it to the debt collector without contact me. ( they did not contact me, they even did not send me an email ) Fourth, I called them to resolve the problem, but they refused to negotiate with me. They keep asking me to call the debt collector. When I told them I can not reach the debt collector, they refused to solve my problem.
Consumer complaint received 2023-08-11
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. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I was told by a debt collector with Asset Acceptance that I would be sued and have a Lien placed on my property and bank accounts for an account that is over 9 years old. I was told it was a XXXX account from XXXX. I also was verbally abused by the collector when I told them that the account was over 9 years old.
Consumer complaint received 2016-08-23
Product: Debt collection — Mortgage
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Cohn, Goldberg & Deutsch,LLC (MD)

communication tactics Seized or attempted to seize property Used obscene, profane or other abusive language continue to advertise property as foreclosure after debtor seek relief In the days following bankruptcy filling. the debt collector XXXX XXXX, XXXX law firm Cohn Goldberg Deutsch may have approved the use of violence or even orchestrated it .from evidence and actions and the pride inspired by this third party .the debt collector only way was to play on the old fear, bulling and treacherous. 
inflict XXXX to collect a debt, that include the third party inflicting physical injury orchestrated by Cohn Goldberg m and Deutsch and XXXX XXXX, XXXX these debt collector moral compass is off course. they seem to have take the position that they are above the law. 
Portraying their actions as perfectly permissible. TO COLLECT A DEBT. The debt collectors XXXX XXXX, XXXX COHN AND GOLDBERG, Deutsch, XXXX XXXX XXXX XXXXl XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (UT)

I received notice around the XXXX of XXXX that HomeBridge Financial Services had purchased my mortgage and would be servicing my loan. In this notification it stated that I would need to start sending my mortgage payment to them starting XXXX XXXX, 2015. In the letter it stated that I would not be able to establish an new user account or access my loan information until XXXX XXXX, 2015. On Monday XXXX XXXX I tried calling the number listed on the notice to make a phone payment, but the automated phone system would not recognize my social or loan number i provided and I got stuck in a loop. After this I decided to wait until the XXXX and try to pay online. This morning I tried setting up a new user account on HomeBridge 's website and it keeps telling me that they do n't recognize my information. I then tried again to call and after XXXX minutes of trying to get through the automated system, which also did n't recognize my information, I finally got through to hold music. I then waited on hold for XXXX minutes to get a hold of a person so that I could make my payment. I have wasted a considerable amount of time trying to resolve this issue.
Consumer complaint received 2016-07-03
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (DC)

I received XXXX citibank ( prepaid.citi.com ) gift cards for my XXXX tax return. The citi website is nearly impossible to navigate with circular links that return you to the home screen. 

I had to create XXXX accounts to access the XXXX cards I received, meaning that to check the balance on both cards I had to logout, clear my cache, and log in again ( or use XXXX different browsers ). 

The system froze while I attempted to access, again preventing me from accessing my funds. 

Finally, there is no way to see your entire balance so while I know I was charged a {$3.00} maintenance fee XX/XX/2016 ( the first time I logged in ), I have no idea whether I had previously been charged a fee. To that end, whenever I agreed to receive a gift card as part of my tax return, I certainly never agreed to pay a maintenance fee for the same.
Consumer complaint received 2015-06-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NY)

CITI Bank cancelled our XXXX XXXX credit card alleging that given our income we could meet our credit obligations. They say they based their decision on " secret '' guidelines and mywife 's credit report. The latter does not contain income data and our income and payments arejoint. We have been meeting all our credit obligations on time including finishing recently longterm payments on both a mortgage and a car loan. Because they are acting unfairly and in anot transparent way we have concluded that CITI is discriminating against us because of ourage.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Equifax has a bankruptcy report attached to my credit history. They gave court phone # to call. I called and found out that there is another person with the same last 4 digits of my social security number with a different last name. I called Equifax and they said they would investigate. Upon investigating they insist they have the correct info. They gave another number to call XXXX XXXX ( XXXX ) and they confirmed that I do not have any XXXX court. They confirmed Equifax is using the wrong info. 
I am in the process to buy a home and I need a resolution as soon as possible. I am at risk to lose my mortgage
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have been trying to work with each of the companies listed and they have been unwilling to respond or advise as to why they are reporting information that is false or Fraud on my credit report. I have sent them copies of all my ID and social security numbers and the police reports and the Identity theft report from the Federal Trade Commission and they still have not been removed for responding to my request. I am asking that you aid me in having them correct this information by removing and blocking the information from my credit report as stated in section 1681c2. Block of information resulting from identity theft of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES. 
I have also requested that they send me updated copies of my credit report and they have not done so. 

Not my Account XXXX XXXX ( this account is due to Identity Theft never my account ) Account XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Never late XXXXXXXX XXXX XXXX XXXXever late XXXX XXXX XXXX Not my account XXXX XXXX XXXX ( this account is due to Identity Theft never my account ) XXXX
Consumer complaint received 2024-08-20
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. (TX)

Upon checking my credit I noticed quite a few accounts that do not belong there. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to GAAP practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently or I will seek damages to the highest extent of the law. XXXX # XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries do not belong to me as I have not sought or obtained any credit or opened any accounts. I also have not applied for insurance. Delete the XXXX inquiry # XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry # XXXX, opened XX/XX/XXXX ). Delete the XXXXXXXX XXXX inquiry # XXXX opened XX/XX/XXXX ). Delete the XXXXXXXX XXXX  XXXX XXXX ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry # XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry ( # XXXX opened XX/XX/XXXX ) .| Delete the XXXX inquiry ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXXXXXX XXXX inquiry ( # XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXXXXXXXXXX XXXX inquiry XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX  inquiry ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX XXXX ( XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXXXXXX XXXX inquiry XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry ( # XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry ( # XXXX opened XX/XX/XXXX ).
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (DC)

I closed my Sears credit card account in XXXX 2014. Unbeknownst to me, the account information was still on file with a rental car company, XXXX. I rented a car from XXXX earlier this year and returned it but never received a receipt, nor was I asked what payment method I would like to use. According to Sears Credit Card customer service, XXXX was able to bill my Sears card ( even though it was closed by me ) due to some sort of contractual relationship between Sears and XXXX. Fast forward a few months - I began to receive overdue notices in the mail from Sears, with instructions to call them immediately and arrange for payment ; Sears had charged me late fees and interest on an unauthorized purchase on a closed account! In addition, I was unable to pay or even access my account online ... since I had destroyed my card, I could not perform a password reset ( which required the card number and CVV code ), and Sears refuses to give me the account number over the phone. 

The pertinent information above - the date I closed my account, the fact that XXXX was able to process a charge after that date, the apparently unique relationship between XXXX and Sears that allowed XXXX to essentially re-open my account without my permission, and the fact that Sears ' policies prevented me from accessing my account without the physical card - were all verified and confirmed during a telephone conversation with a Sears customer service representative today. I admit that I do owe money for a car that I rented, which totaled approximately {$80.00} ; however, Sears ' credit card policies and their strange relationship with XXXX has caused them to make an additional $ XXXX+ in interest and late fees. Sears claims that no merchants " other than rental car companies '' are allowed to use their cards in this way, but how is that even possible, and how am I supposed to know which rental car companies may have my information? As of this writing my account remains " closed '', but what safeguards exist to make sure that I am not going to be charged anything in the future?