davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (TN)

This company is a collection agency called American Profit Recovery stating that I owe them {$53.00}, this company added this collection to my all 3 credit bureaus and I would like for them to have them removed immediately. Tried contacting them and they where unable to tell me where this debt is from
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Violation of Title 15 Adverse Action : Denial of My Right to Credit I, the consumer and natural person, was denied a credit increase by Capital One when I applied for the XXXX XXXX XXXX XXXX XXXX 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692K. 

Capital One is subject to criminal liability for violating 15 USC 1691 as I have proof I was discriminated against by Capital One due to the response I received. ( Please see denial letter ). 


Capital One is in direct violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was NOT issued. 


Furthermore, my social security number ( as known as MY credit card ) was used and I received NO benefit. This is further proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One.

If Capital One fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will make Capital One criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 


I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ).
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (NJ)

Hi my name is XXXX XXXX I lived at XXXX XXXX in XXXX XXXX  from XXXX owner original debtor this case was sent to XXXX XXXX and we agreed on settlement which include me vacating the rental property and owing XXXX XXXX All legal documents in hall of records to prove I dont owe.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Per this complaint that I orginally sent on XX/XX/XXXX then again on XX/XX/XXXX requesting that inquires be removed from my credit report that arent mine then i get a notice dispaute completed nothing corrected so i file another com0lant stating that then I get a respond that it couold take 60 days so today XX/XX/XXXX I went on experian web site to see what they have done and they havent reoved any inquirinies but the updated to tings that I stated werent mine and it states they were told they were where is the proof i need a signed contract from world fiance and I also need something from Traget a print out of all payments and fees they charged me. I requested this 3 years agao and still them same thing. At this point maybe I need to contact the XXXX and file a compliant on all of yall because nothng is getting done along wth breaking the law. 
I have attached the inquiries that are still on my report along with that part of the report. also Experian wouldnt let me dispute anything on webite inquires I tried also they have my ame wrong, addresses, social and phone numbers. 
Here are the following still on my report once again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I am on the SAVE repayment plan and when my loans got transitioned from XXXX XXXX to Mohela, my monthly payment of {$0.00} was not honored by Mohela even though it's based on my income. I have contacted them several time with messages and calls but there is no response or corrections to the amount owed.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (OK)

On XX/XX/2023, my family and I went to have lunch after an XXXX We ate at the XXXX XXXX and the bill totaled {$120.00}. I handed my Albert card to the waitress to pay the bill. She returned and said the card had been declined twice and gave me the receipts showing it was declined. I then handed her my XXXX card and paid the bill. While she was running the XXXX card, I checked Albert because I knew there was enough money there to cover the transaction. It showed that Albert had charged me {$130.00} for the dinner despite declining the charge. I addressed this with the manager and she brought out the handheld POS system and showed me both declined transactions in their system and then the processed transaction using my other card. Albert is now refusing to refund my money. There is no reason for me to be charged and to be charged for more than the purchase on a transaction they declined. I have been exchanging emails with them all morning and they are saying I now have to get a letter from XXXX saying the charge was canceled. XXXX says the charge was canceled the minute the charge was declined by Albert. A {$120.00} lunch has now cost me {$260.00} due to Albert being thieves. How can you decline a transaction and still charge me for it? I have attached a screenshot of the text saying Albert declined the charges and a screenshot of the actual charge that they still made. Both declined and charged amount were more than the actual bill. I have also attached the 2 receipts from the declined transaction plus the receipts where my bill was paid using another card.
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (TX)

On XX/XX/XXXX a payment of {$2000.00} was paid toward the {$1400.00} payment that was due as it has been month after month. This extra payment always has access that is placed toward principal. The bank put {$1600.00} of the payment I made toward interest. I called and asked this to be corrected and it still to this day hasnt been fixed. Ive asked for all future excess payments to be placed towards principal and they have stated they cant do that while taking a payment through their app or over the phone. The practices here are shady and unacceptable.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (WV)

I was a victim of fraud. XXXX contacted me saying they renewed my account and if I didn't want it renewed I had to call them. I called the number provided. While on the phone with them they were able to take full control of my cell phone and desktop computer withdrawing money from my accounts. Meanwhile they are telling me on the phone they are trying to return my subscription money. My daughter came home and discovered they did not take XXXX from me they took XXXX and western union it to themselves. My daughter called the police and they came to the house and actually spoke with the hacker and the officer told him to call back and he did on the recorded police line but the police officer watched him dial from my phone that is when the officer informed us he had complete control over the cell phone and desktop computer. We reported it to Huntington Bank immediately and they put in a fraud investigation. Huntington is saying it was authorized. The police officer said they have the recorded call and can have access to it. With the hacker having complete control over my phone when Huntington bank sent the text message if I made the transaction it's common sense who replied to the text. The hacker did. I did NOT authorize XXXX to ANYONE. So now Huntington has determined that this was authorized charge when it was NOT. I live on a VERY limited income of XXXX and social security. I can't afford for this to happen. I also filed a complaint on the FBI website for elderly fraud.
Consumer complaint received 2023-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (FL)

I overnighted a check ( return receipt requested ) in the amount of {$52000.00} to Selene Finance, my mortgage company. The check was for the settlement with my homeowner 's insurance company, XXXX XXXX, for damages that occurred to my home due to XXXX XXXX XXXX. 

Selence Finance received the check on XX/XX/XXXX. They informed me that they deposited the check into my restricted escrow account on XX/XX/XXXX and then transferred the {$52000.00} out of my restricted escrow account on XX/XX/XXXX. 

When Selence Finance attempted to cut a check to my roofing company for roofing repairs, they noticed that the restricted escrow account had a XXXX balance. I contacted Selene Finance on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to provide me information as to ( 1 ) why the money was transferred out of the restricted escrow account, ( 2 ) where was the money transferred to and ( 3 ) when will the funds be transferred back into my restricted escrow account so I can pay the roofer so that repairs can begin on my home. Selene Finance refused to provide me with answers to any of my questions.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXXXXXX # XXXX -- IDENTITY THEFT XXXX XXXX # XXXX -- IDENTITY THEFT XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (MI)

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Navy Federal Credit Union ( NFCU ) regarding their failure to honor the terms of a settlement agreement and pay-for-delete request concerning my account ending in XXXX. I request CFPB 's assistance in holding NFCU accountable for breaching our agreement, which has resulted in damage to my credit and financial standing. 

On XX/XX/year>, I received an email from NFCU offering a settlement option to resolve the outstanding balance of {$1100.00}, to which {$510.00} would initiate a settlement. 

On XX/XX/year>, I mailed a letter to NFCU 's XXXX, VA XXXX with a USPS XXXX XXXX  ( # XXXX ) for {$510.00}, selecting the settlement option as full and final payment. I also requested in writing that NFCU delete any references to this debt from my credit reports with XXXX, XXXX, and XXXX. This package was sent via USPS with Tracking Number # XXXX. 

In violation of our agreement, NFCU has since responded with a claim of an outstanding balance and continues to report the debt to credit bureaus, contrary to the terms of settlement letter sent. I contacted NFCU on XX/XX/year>, and spoke with two representatives, one of whom advised that they would submit a settlement request on my behalf. Despite this, the debt remains unsettled, and NFCU has failed to provide the requested confirmation that the account has been deleted from all credit reports. 

This refusal to honor the agreed-upon terms constitutes a breach of contract, as NFCU has failed to uphold its obligation to consider my payment as final and remove all references to this debt from my credit reports. This breach has caused significant harm, including ongoing credit damage, increased financial strain, and undue stress. Should NFCU fail to promptly comply with our agreement and delete all references to this debt from my credit reports, I will be pursuing damages resulting from this breach.

I have included four documents in the attachments section. All tracking numbers can be verified via USPS.XXXX website.
Consumer complaint received 2023-09-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Tesla, Inc. (ME)

On XX/XX/XXXX, I took delivery of a Tesla XXXX XXXX I am leasing from Tesla. I had to pick up the vehicle in XXXX, NJ ( I reside in Maine ). I was issued a NJ temporary plate that was good for 30 days. I was told Tesla would be mailing me my permenant plates. Note, however, that this is what I was told in XXXX, NJ. I different Tesla rep I interacted with over text prior to delivery said they would mail me a packet within 30 days with everything I needed to go and register the vehicle myself. 
Either way, I never received a packet nor permanent plates. About a week prior to my temp. plate 's expiration, I reached out to Tesla. They primarily use a text message service to contact their support staff ( calling takes over an hour on hold ). They told me they were looking into it and to check back for a status update next week. I did that and they again said they were looking into it. The day the plate expired ( XXXX ) I again texted and received the same response. I called their customer support number ( had to XXXX it as there is not one on their website ). After waiting an hour, I spoke with someone who seemed friendly and empathetic. She said she would be calling the XXXX, NJ location. She also tried calling the XXXX XXXX location as I had to been told by someone previously that they handle Maine registrations. She promised to get back to me the next morning. The next morning, she texted me to say she's still working on it. Since that time, I've contacted the Maine XXXX XXXX XXXX XXXX who confirmed that they have not received anything from Tesla regarding my vehicle. They explained the process and even offered to assist Tesla directly if they have any questions. I relayed this to Tesla this morning ( via text ) and insisted that Tesla apprise me, in detail, of the status and their plan, as well as to issue me another temporary plate while they sort things out. It has been about XXXX hours and they haven't responded thus far. Note that I paid sales/use taxes and registration fees to Tesla up front ( as well as the cost of the vehicle ) and I currently have a vehicle that I can not legally drive. 
Particulars re : my vehicle : VIN # XXXX Order # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (NJ)

This is in relation to a confirmed ( by Wells Fargo ) computer bug that is on Wells Fargo 's network that is in relation to their " early payday feature ''. 

On XX/XX/XXXX, I received an email from Wells Fargo confirming my " early pay day '' was in my checking account. This email also advised that these funds are available and I could start paying bills. I checked my account directly on XX/XX/XXXX and saw the " funds available '' in my checking and paid a few credit cards. 

On XX/XX/XXXX, I received another email from Wells Fargo advising that " over draft protection '' had been applied from my credit card to my checking. I looked in my accounts and saw that I no longer had my " early pay day '' funds available. Later that same day, my paycheck posted normally to my account. 

From XXXX XXXX, I have called Wells Fargo 7 times and multiple times, multiple supervisors on their end have confirmed that this overdraft transfer should NOT have happened and it was caused by a " glitch '' related to their early pay day feature. On Monday the XXXX, Tuesday the XXXX, and Thursday the XXXX, I spoke with 3 different representatives who all advised that they see the pending overdraft reversal and that I should also see it corrected on my side within that same day ( told this on three separate days ). I have not seen this corrected when I log into my accounts. I called today ( XX/XX/XXXX ) and they can not confirm a date of final resolution. Additionally, problems with the " early pay day '' feature has been an ongoing known issue for Wells Fargo since before XX/XX/XXXX and wells Fargo has taken NO action to proactively warn or communicate with clients about it, and wells Fargo has taken no action to roll back this buggy feature.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-07-24
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. (FL)

The accounts listed below were due to identity fraud/theft and I am not responsible for them. Thus accounts, inquries must be removed asap. per 15 usc 1681b you all are in violation and breaking the law because I did not authorize the companies to even furnish this information. Much less the wrong information at that!
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I received a letter from the Bankruptcy Courts stating that they do not report the credit bureaus. All XXXX credit bureaus ( XXXX, XXXX, Experian and XXXX XXXX are reporting Bankruptcy on my report which is causing financial stability for me and my family. I demand any bankruptcy reporting be removed immediately from all XXXX major credit bureaus. I have attached the letter received from the Bankruptcy court. 

Best Regards
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XXXX  which involved me making deposits for a total amount of XXXX XXXX from my Cash App account to fraudulent investment firm ( s ).
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (NC)

I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX