davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020, after 9 months of waiting, SBA approved my EIDL loan as an XXXX XXXX ( SBA EIDL Loan Agreement # XXXX ). The application process itself was strict as they were verifying my whole background ( e.g. tax returns, XXXX schedule C, etc ). 

I was approved on XX/XX/2020 and funded on XX/XX/2020 on my checking account at CapitalOne. On XX/XX/2020, just two days after receiving the deposit, CapitalOne decided to freeze my account. I received an email from them stating : [ XXXX, We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. 

Please call us at XXXX as soon as possible so we can verify this recent activity. We're available Monday through Friday, XXXX XXXX to XXXX XXXX and Saturday XXXX XXXX  to XXXX XXXX 

We used info from a credit-reporting agency that - in whole or in part - influenced our decision. The consumer-reporting agency didn't make our decision. For questions about your credit report or supporting info, contact the agency directly at : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ] I immediately called and spoke with a rep who was rude and treated me like a criminal. I felt like a criminal being investigated for a crime I didn't do. She said that they need to verify the deposit. I asked WHY when SBA already vetted and approved my loan and that process was 9 months long with every single documentation proving that I am eligible. I also offered to send her all my documentation but she didn't care. She simply said that my case will be assigned to an investigator, the account will be frozen and the money on hold until they make a decision. This is simply against the law as a bank can't hold my money for no reason, I am already paying interest on the money and if there was a problem, they shouldn't of let the deposit go through in the first place. 

I have emailed the bank with my documentation, proving that I am INDEED an XXXX XXXX along with the SBA loan documentation. I am also filing a complaint with my state attorney general. 

Thank you for your time and please let me know if there's anything you need from me. I am available anytime on my email XXXX or by phone at XXXX. I ask for genuine help. 

Sincerely, XXXX
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IN)

As by FCRA law, and agreement per Wells Fargo. This account must be removed from my reports, as of yesterday. ( XXXX ) See attached letter from Wells Fargo with account number and proof of agreement to delete.
Consumer complaint received 2020-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Control, Inc. (TX)

I paid this {$110.00} debt on XX/XX/XXXX to credit management control ( XXXX XXXX XXXXXXXX XXXX ) for a bill I owed for XX/XX/XXXX. However upon checking my credit report I noticed that XXXX XXXX XXXX has listed a derogatory debt for the same amount from this above creditor. I spoke with XXXX and they stated that they just trying to collect the debt, they don't have anything to do with the other company. I have never received any communication from XXXX in regards to this debt.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-18
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. (NJ)

Experian, XXXX, and XXXX still hasn't responded to my disputes. It has been over 60 days. I am heavily stressed and I've had enough of the bureaus taking advantage of me. I've attached the 30 day demand to comply. These accounts has to be deleted immediately.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

I got a phone call from XXXX. They wanted my information to verify what debt I owed. For a utility bill. I do not owe any utilities any past debt. There have never been any bills coming to my house. If I owed debt I would have seen a bill or utility debt would be on my credit report. She wanted my personal information. I told her just to send me something in the mail they have on file. She said okay and hung up on me.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently pulled my credit report from XXXX and XXXX and to my amazement, saw that CAPITAL ONE recently has decided to report me 30 days late on this account in XX/XX/2018. I immediately disputed this information with XXXX  and XXXX  and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) Because I take my credit very seriously, I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on my report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). 

Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Consumer complaint received 2020-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The company Debt Pay GateWay in XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
This company is taking {$14.00} dollars from settlement to pay XXXX XXXX XXXX but since I received an email from XXXX that they will close the account and will not representing me no more the company GateWay still taking the same amount every month after I talk to them and said they will look at it, but I havent heard nothing. Could you please please look in to it or what could you do about it. Thank you for your time and hope I could hear from you.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (NC)

The Company CNAC, XXXX XXXX XXXX XXXX, XXXX NC, XXXX - Ph. XXXX reported to the Credit Bureau that they repossessed a vehicle that I began paying payments on in 2015, and paid the vehicle off early that the extended contract was written for. The following year when I applied for a VA loan to purchase a home, I learned of the report of the repossession. I contacted CNAC and the manager explained to me that the repossession was reported in error. The manager, XXXX XXXX, wrote me a letter explaining the repossession was an error by the company, and in the letter she she explained that anyone with questions could contact the company at the above address and telephone number. This has had a devastating impact on my finances and my living situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX NC XXXX Phone XXXX
Consumer complaint received 2020-12-07
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. (OH)

On XXXX2020 I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/year>, I made a large purchase on XXXX for {$570.00}, which included an authorization charge of {$550.00} and a separate charge of {$23.00}. This charge initially appeared on my USAA bank account as a finalized transaction. However, on XX/XX/XXXX, the charge of {$540.00} disappeared from my bank account without explanation. When I contacted USAA, they informed me that they had no record of the charge and suggested that I reach out to XXXX. 

I spoke with multiple XXXX customer service agents on XX/XX/XXXX and XXXX, who explained that the charge was an authorization hold and was properly processed on their end. XXXX assured me that they had received the payment and that no further charges were pending. However, my bank stated that the charge behavior ( disappearing and reappearing ) was due to XXXX system. 

As a result, I am left without a clear answer from either USAA or XXXX. Both companies point to each other as the source of the issue, leaving me with an incomplete and confusing explanation of why this happened. I requested documentation and transcripts from both companies to verify what occurred, but I have not received satisfactory information or support. This has caused significant concern, as I want to understand the reason for this discrepancy and ensure my accounts are secure. 

I would appreciate it if the CFPB could investigate this matter to clarify why the charge appeared to disappear and reappear, and to help prevent this from happening again in the future.
Consumer complaint received 2024-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (FL)

On XX/XX/year>, I signed a loan agreement with Minto Money for an installment loan of {$1100.00}. The agreement disclosed an Annual Percentage Rate ( APR ) of 783.39 % and a finance charge of {$5000.00}, bringing the total repayment amount to {$6100.00} over the loan term.

I was not fully aware of the extremely high interest rate and finance charges at the time. After receiving the loan and reviewing the terms in detail, I realized that this loan would result in paying more than five times the amount borrowed, which seems predatory. I am concerned about the fairness and legality of these terms. 

Additionally, the loan agreement operates under XXXX immunity as the lender is associated with a XXXX XXXX XXXX, which significantly limits my legal recourse. The agreement also forces disputes into arbitration, waiving my right to a court hearing or class action. 

I am seeking assistance to determine whether these loan terms are legally valid and how I can potentially exit or renegotiate this agreement.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIRST NATIONAL BANK OF OMAHA (KS)

Account number XXXX Date opened XX/XX/year> Account type Collection Status Collection account. {$1700.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> I have contacted this collection agency. Because I got a report that something was added to my credit. It dropped my credit over XXXX points. And they added 2 separate collections with a total of XXXX points was taken from my credit report. I asked them to provide me a validation of death. They refused, they said that they had already contacted me before, but when I asked them to verify the phone number and address they didn't even have the correct phone number or address. So there is no way that they could have contacted me and have spoken to me. And when I ask for a A validation of debt they refused
Consumer complaint received 2020-12-07
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. (OK)

I sent a dispute letter into both XXXX and Experian on XX/XX/20. I disputed several inaccuracies and asked for the companies to update. Both XXXX and Experian have not responded to my letter and its now XX/XX/20.
Consumer complaint received 2020-12-07
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: Experian Information Solutions Inc. (CA)

I have had a collection account which I resolved with the company they gave me a written statement that the trade line would be deleted completely like it never happened before. I sent the documents to the credit reporting agencies but it still shows in my credit report
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

I have two paypal accounts, the company merged my two accounts thereby using my personal banking information for a new business account that was in the process of being set up. They went into my personal bank account and made numerous withdrawals to the tune of approximately {$3600.00}, all withdrawn on XX/XX/XXXX, XXXX, XX/XX/XXXX, also causing over draft fees to be incur from my banking institution. 
They said these charges I had agreed and had a contract in place with XXXX for advertisement since XXXX, and the account that was used did not exist until XX/XX/XXXX or after and I had never signed any contract or had a need for advertising as the business being established was a small marketplace store of home made goods that generated under {$500.00} per month. 
I contacted Paypal, XXXX XXXX XXXX, and XXXX via email and to no avail have I heard anything back from the XXXX to this regard, however, Paypal, states they have heard back from XXXX regarding the charges and have falsely documented the return of my money and then turn around and reverse the money back to themselves. My banking Institution XXXX XXXX has closed my complaint stating that my money has been returned, when it has not been returned. On XX/XX/XXXX and XXXX I receive emails stating that the money is being returned to me, when I go to the paypal account it shows the money returned and then immediately reversed to paypal. I call Paypal once again, at this time I am told my account had been hacked and being signed in in three places ; Washington D.C., the country of XXXX, and Massachusetts, and I verified that Massachusetts was my location, the agent had me download the 'anydesk ' app onto my mobile phone and opened some sort of broadcasting that would record our entire conversation. I was told that they needed secure credit card number and I refused to give them my personal information so they instructed me to make a trip to the store XXXX XXXX to purchase an XXXX gift card and load the {$200.00} that they had me believe they loaded onto the Paypal business debit card that I have to purchase the XXXX gift card. Nevertheless, I was embarrassed and no money had been loaded onto the card, and the Agent for Paypal stayed on the call the entire time and asked me not to mention the company while in the store as he attempted to get me to pay cash or use one of my credit cards which I would not do. They said they would call me right back, and to date they have not called me back! 
I am trying to recover the monies stole from me, and any/all charges to me bank account for overdraft and overdraft protection fees. 
I am prepared to forward all emails received from Paypal, my banking institution and transaction records from my paypal account and will not delete the account until this matter is settled. 

XXXX XXXX XXXX
Consumer complaint received 2020-11-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I FILED A METHOD OF VERIFICATION DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020