davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2024 I made a mobile deposit to my savings account using the banks mobile app. The amount of the check is {$4600.00} right after the deposit was made the app said the funds would be available on XX/XX/2024. I waited for the XXXX and the funds were still not available. I called the bank multiple times and each time the bank said they will not release the funds to me. A supervisor then told me the bank has put a hold on it for 60 days, the bank refused to properly verify the check or try to help me get my funds. They hung up on me multiple times. After pleading with them for help I found zero resolution. All I want is for the bank to remove the 60 day hold and release my funds. I have a mortgage and bills that can not wait 60 days.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (CA)

I've been contacted about a debt. I want to contact them directly, however, they have the wrong name on the account so I'm not sure if this is a scam. I'm afraid if I contact them, I will then give them the correct information, but it will only serve to legitimize a potential scam. I paid the debt many years ago but no longer have record of it. The debt servicer is someone I've never heard of, LVNV Funding LLC. The original debt is to XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (IN)

Transworld Systems Inc. has obtained this account as a result of material misrepresentation & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ), 18 U.S. Code 1028A ( a ) ( 1 ( 1 ) ( 2 ), IC 35-43-5-3.5 & IC 35-38-1-2.5. ( see attached affidavit )
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

Between XX/XX/XXXX and XX/XX/year>, I made XXXX advance payments of {$3200.00} towards the principal of my vehicle loan. This payments were intended to reduce the principal balance and, consequently, the amount of interest and future monthly payments. However, despite this advance payment, Santander Consumer USA has decided to charge me the same monthly installment amount along with the same number of months as before the advance payment was made. 

I believe this practice is unfair and deceptive, as it fails to reflect the financial impact of the advance payment made towards the loan. According to my understanding, advance payments should either reduce the principal balance, resulting in lower future payments or shorten the loan term, depending on the terms of the agreement. In my case, neither of these adjustments seems to have been made. A representative from Santander told me that this type of information is not disclosed to consumers and the best to do is to keep paying and they will let me know when to stop when the loan has been satisfied as their discretion. 

I have contacted Santander Consumer USA customer service multiple times to address this issue, but I have not received a satisfactory resolution.
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have written multiple dispute letters to them using consumer law 605B stating that they have being reporting to my credit report without my written permission to do so. I filed a dispute on XX/XX/XXXX and the result came back XXXX XXXX with the report being updated to be report as if I am currently late when the account had been since XX/XX/XXXX.
Consumer complaint received 2018-04-26
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. (FL)

Equifax is reporting duplicate accounts for my student loans, which is causing my debt to income ratio to shoe {$47000.00} more than what I actually owe. I was unable to close on my home due to this, which litterally cost me over {$5600.00} in losses due to Equifax negligence. Myself and the merchant ( XXXX/XXXX XXXX XXXX ) have sent several request demanding credit profile correction and yet to date they have failed to update. 
Acct ( s ) ending in : XXXX Amt ( s ) : {$1600.00}, {$2500.00} XXXX {$3400.00}, {$610.00} XXXX {$5600.00} XXXX {$4100.00}, {$6700.00} XXXX {$4500.00} XXXX {$4300.00}, {$5000.00} History of communication : XX/XX/XXXX - XXXX/ XXXX XXXX XXXX submitted to Equifax that a total of 12 student loans were consolidated into 2 new loans. This request updated with all other major credit reporting agencies ( XXXX  and XXXX ) accurately. 

XX/XX/XXXX - I reached out to Equifaxto inquire why updated information had not reported on my credit report. Advised that XXXX/XXXX XXXX XXXX had not sent any updated information to them. 

XX/XX/XXXX - I made contact with XXXX was explained my delima ; advised by merchant that reporting was submitted to Equifax XX/XX/XXXX. However, they would submit another request to have 12 account updated to paid and closed. 

XX/XX/XXXX - Received an update from Equifax stating that merchant verified that current ( inaccurate ) information was correct. 

XX/XX/XXXX - Made another contact with merchanct, XXXX/XXXX XXXX   XXXX and advised to send information that was received from equifax regarding update. Fax send on Monday, XX/XX/XXXX. 

XX/XX/XXXX, received a letter from Merchant, XXXX/XXXX XXXX XXXX, stating " we have sent a request to ALL Three credit reporting agencies, requesting that all account not serviced within the past 7 years be removed from your credit profile/report ''. 

XX/XX/XXXX - received notification from equifax that merchant reported ( inaccurate ) information correctly.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I received an email that my account had been restricted due to unusual activity. I immediately called Capital One and they stated that a decision was made to close my account, and was unable to provide clarification in regard to exact reason. 95 % of the transactions Ive made with this particular were XXXX made to myself ( another bank account ) or others. I have over {$2000.00} in the account currently that theyre not allowing me to access and can not provide a timeline on when the funds would be released. Its the middle of the month now and I have a number of bills Ill need to take care of in the coming days including rent and Im hesitant to believe that Ill have access to my funds prior to then.
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (FL)

I lost my phone on XX/XX/year>. On XX/XX/XXXX I went to get gas and my card was declined. Someone i do not know used my phone to cash app themselves XXXX from my chime account.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (CA)

I was sent to collections for a debt that I do not owe. The original creditor XXXX XXXX XXXX XXXX admitted to a mistake over balance added in error of {$7600.00} to my account and stated they will fix this by reversing their mistake. Now the creditor has sent me into collections with NTL CREDIT MGMT for {$11000.00}, the increase is due to the unpaid amount that also accrued in late fees. I have submitted a dispute with credit bureau XXXX XXXX with an explanation that I am not responsible for this collection account. Upon the completion of the dispute investigation the credit bureau sided with the collection agency stating the account is accurate which is not.
Consumer complaint received 2024-06-13
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: Bread Financial Holdings, Inc. (FL)

comenity capital XXXX XXXX XX/XX/year> FILED DISPUTE THEY UPDATED WITH INCORRECT DATES I am writing to bring to your attention an error on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed that there is an account listed under my name that is inaccurate and does not belong to me. 


This erroneous information is negatively impacting my credit score and financial standing, which could have significant consequences for my ability to obtain loans or credit in the future. 

I kindly request that you investigate this matter promptly and remove the inaccurate account from my credit report as soon as possible. Additionally, I would appreciate receiving written confirmation once the necessary corrections have been made. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you require any further information or clarification regarding this issue.
Consumer complaint received 2024-08-28
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
Bankruptcy XXXX XXXX Docket Identifier XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NC)

Per XXXX I called Early Warning To opt out of the nation credit bureaus per their website lists a NON WORKING NUMBER to opt out of their services PER THE WEBSITE **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " You may limit prescreened offers of credit and insurance you get based on information in your credit report. Unsolicited prescreened offers for credit and insurance must include a toll -free number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at XXXX ( XXXX ) '' NON WORKING NUMBER I called a different phone number and spoke with a representative to opt out of early warning reporting services and the representative told me I COULD NOT OPT OUT OF THEIR REPORTING SERVICES Violation of 1016.7 Form of opt out notice to consumers ; opt out methods.

( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) MOST RECENTLY AMENDED XXXX XXXX, 2018 Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse. 


Violation of 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) MOST RECENTLY AMENDED SEPT. 17, 2018 Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse.
Consumer complaint received 2024-06-13
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

I called on Saturday, XX/XX/XXXX to update my address and phone number since I recently moved. I was told to wait for a return phone call once the information was verified. I never received a phone call. 

On Sunday, XX/XX/XXXX I went to a Best Buy store to make a purchase and provided my drivers license to confirm my identity. I was unable to make a purchase. 

On Wednesday, XX/XX/XXXX I called to close my account since I cant use it and was told I would receive a verification process but they could not tell me when I would receive it, how I would receive it, or if it would go to my new address or phone number.
Consumer complaint received 2024-06-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RECOV ASSOC XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX 
XXXX XXXX XX/XX/XXXX XXXX account. {$1900.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1900.00} XX/XX/XXXX 0 % {$1900.00} {$1900.00} XXXX XXXX XXXXXXXX I want this to be deleted off my credit report it is hurting my credit
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Credit Card Charges and Incorrect Billing by Home Depot and Citibank Dear Sir/Madam, I am writing to formally lodge a complaint against Home Depot and Citibank concerning the unauthorized use of my credit card and the subsequent mishandling of the issue, which has adversely affected my XXXX score. 

I discovered unauthorized charges on my Home Depot credit card. I promptly contacted Home Depot to report the fraudulent activity. After conducting an investigation, Home Depot sent me a letter stating that I was not responsible for the charges. Despite this, I have continued to receive billing statements and collection letters from both Home Depot and Citibank demanding payment for the disputed amount. I have contacted both Home Depot and Citib
ank multiple times to resolve this matter, providing them with a copy of the letter that absolves me of responsibility for the unauthorized charges. Unfortunately, they have not corrected the error, and the outstanding balance remains on my account, which is now negatively impacting my credit score. 

Enclosed with this letter, please find copies of the following documents for your reference : The letter from Home Depot confirms that I am not responsible for the unauthorized charges.

Recent billing statements and collection letters from Home Depot and Citibank demanding payment.

Any additional correspondence I have had with Home Depot and Citibank regarding this issue.

This situation has caused significant stress and inconvenience, and I am seeking the Consumer Financial Protection Bureau 's assistance to ensure that Home Depot and Citibank : Remove the unauthorized charges from my account. 
Cease any further collection attempts related to these charges. 
Correct any negative information reported to the credit bureaus due to this error. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX Letter from Home Depot Recent billing statements and collection letters Additional correspondence with Home Depot and Citibank
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AR)

On XX/XX/year> i sent an XXXX wire tranfer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the wire was received by XXXX on the XXXX of XX/XX/year>, this wire had a reprimand due to a misspelling of the beneficiaries name, XXXX contacted the beneficiary and questioned what the wire was for, the wire was rejected by XXXX not because of the name being misspelled but because of the reason, the reason being that the beneficiary was a third party in a vehicle purchase and it is against XXXX 's policy to release wires to a XXXX party. On the XXXX of XX/XX/year> the Beneficiary informed me that the wire had been sent back to the sender being myself. But as of the third I do not know where my money has gone, Wells Fargo NY was used as the intermediary bank and XXXX has messaged them numerous times now for an update with no avail. 

I have called since the XXXX of XX/XX/year> to XXXX XXXX wire department for an update, the best they have been able to do is send messages to XXXX and Wells Fargo XXXX neither bank has responded to any of these XXXX  messages and I am completely lost as to where my wire has gone.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I have received a collection on my credit report from LVNV Funding LLC. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$640.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. I dont even have an account open with this credit card company so please remove it from my account. It is not mine nor anybody i am associated with. Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc (KS)

15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. 

Reporting on my credit report is communication. 

Not to mention the highlighted inaccurate information attached below.
Consumer complaint received 2018-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (KS)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2023-10-06
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. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Network Inc (CA)

Hello, I have been called several times from Financial Credit Network, and have asked them to verify my information they have on file to verify its my debt. 

Have requested dates of when the statue of limitations expire. 

None of the info that I have requested has been confirmed by this company. On several occasions, they tell me they do not have the information. I've asked for the records they have to be noted that they have NOT been able to provide me with the requested info. 

The continue to just ask me for payment information and how to resolve the issue. Since the company is unable to verify the info, and keep calling me. I now feel harassed. 

Financial Credit Network XXXX XXXX XXXX Thank you XXXX XXXX XXXX