davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK (CA)

Freedom Debt Relief ( FDR ) is a debt settlement company that has been handling my debt settlements since the summer of XXXX. During that time, they have settled more than {$100000.00} in accounts on my behalf. However, I discovered numerous problems with those settlements and terminated the agreement with FDR. 

On XX/XX/XXXX, XXXX represented that they had settled a debt on my behalf originally owed to XXXX XXXX XXXX  ( Account XXXX ) and subsequently sold to XXXX XXXX XXXX FDR provided me with a settlement letter detailing a payment plan to settle the debt in full, referencing XXXX as the owner of the debt from XXXX. I funded my account with FDR to cover this settlement amount. 

However, upon inquiring with XXXX for debt validation under 15 U.S. Code 1692g ( b ), I was informed that they have no record of the referenced debt and categorically stated that they do not sell or transfer debts to third parties, including XXXX. This discrepancy indicates that FDR has structured a settlement with an entity that does not hold the debt, which raises serious concerns about the validity of the settlement and the payments made under it. XXXX said on XX/XX/XXXX in Response to CFPB Complaint XXXX : " Our records do not reflect any current orprevious accounts ending in XXXX, nor do we transfer or sell our accounts to external banks. Therefore, we are unable to substantiate your claim that we previously held an account ending in XXXX. '' See CFPB Complaint XXXX. 

According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must cease collection efforts until they have validated the debt. Moreover, no law or principle would allow a company like FDR to enter into settlements for debts that are claimed to be sold to a third party ( e.g., XXXX ) if the bank has a practice of not selling debt ( e.g., XXXX ). 

I demand that FDR provide evidence of how they concluded that XXXX  owns the debt originally owed to XXXX and validate that the payments made towards this debt settlement are legitimate and correctly applied. FDRs potential misrepresentation and failure to verify the validity of the debt settlement raise issues of compliance with both federal and state debt collection laws, including the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ) and the California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ). 

I have multiple complaints with FDR. This arises from one of the debts that FDR settled on my behalf, which XXXX, the original creditor, denies having sold. The information from XXXX that they do not sell debt is new ( because of XXXXXXXX XXXX Response today ), and the questions here are also new. Please treat this as a separate complaint for response.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The two line items Dept of Ed/XXXX ending in XXXX and XXXX both were taken off of my credit report for the past two years. recently Equifax for some reason allowed this company to have this back onto my credit report.

I am making this report for Equifax to take these two line items off permanently. This has caused my score to drop and financial stress.

Thank You
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC. (NH)

XXXX XX/XX/XXXX, I was injured at work and was out of work on workmans compensation. My workmans comp benefits were delayed and I had to obtain legal council. 
* On XX/XX/XXXX I contacted the Santander Bank I have my car loan with and Spoke to a representative by the name of XXXX. I explained the situation and was enquiring on deferment or some type of assistance or arrangment we could make so that I would not be in danger of reposession and we could work together. The ONLY option they gave me was to change my payment due date to end of month moving forward with payments now due on the XXXX of each month. He assured me that I would not be in danger of repo until after 3 months time. They would not reposess my car but could not avoid the negative impact of having a XX/XX/XXXX day hit on my credit report. This arrangment offered BY Santander Bank would give me 3 months time to get my finances together. I owed for the current month, XXXX ( now due on XX/XX/XXXX ) and had until XX/XX/XXXX to make my payments before being in danger of reposession. 
* I was able to get all 3 months payments, ( XXXX, XXXX, XXXX ) and paying in advance partial of XXXX on XX/XX/XXXX, ( 5 days BEFORE the due date before repo status ). Cash in hand to make payment on XX/XX/XXXX. 
* On XX/XX/XXXX, My car was reposessed. ( 5 DAYS BEFORE THREAT OF REPO STATUS ) * I contacted Santander immediatly the next morning XX/XX/XXXX and informed them that I had all the money due PLUS half of the upcoming month of XXXX being paid in advance. 
Santander bank REFUSED to accept my payments and return my vehicle and ONLY gave me the option to pay off the entire loan amount for {$30000.00} in order for me to get my car back. 

Santander Refused to honor the arrangment that THEY offered to me and we agreed upon and they took posession of my car 5 DAYS PRIOR to the due date. They refused to take my money still 4 DAYS PRIOR to the due date. 

This is an UNLAWFUL REPO
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

Greetings! I hope this message finds you well. 

I was scammed for a job position/hiring and was sent a check by the company XXXX XXXX purportedly to as a partial budget to purchase equipment/software for the position as was hired in. The check issued was from The Bank Of New York Mellon XXXX, PA in the amount of US {$2400.00} and for deposit to my account in XXXX XXXX. The bank has rejected it and flagged as counterfeit. I don't want the money and I don't want to be accused of fraud. 

This case has been reported to XXXX XXXX, FDIC, FTC, iC3 FBI, and the California AG. 

Please help me. Thank you so much! 

Kindly see below : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit. 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since 1933. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System.

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Website : www.consumerfinance.gov Telephone : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

Sincerely, Consumer Response Unit National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation Telephone : ( XXXX ) XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, 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. (NY)

There is an inquiry that appear on my persona consumer report form XXXX, Equifax and XXXX that I do not recognize from XXXX XXXX on XX/XX/2022. There is a possibility that due to the history I've had in the past with this particular financial institution, they my have issued an inquiry to cause me financial harm.
Consumer complaint received 2024-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I paid the XXXX  XXXX  company, XXXX XXXX, XXXX to get my XXXX  citation dismissed. They advertise on their website that they rarely lose these cases and if they do lose and you are found guilty, they will refund the service fee. On XX/XX/XXXX XXXX XXXX  completed the document they advised me to submit to the court for my citation to be dismissed and I submitted them along with additional fees for the citation. On XX/XX/XXXX I received a guilty verdict from the XXXX XXXX court house and on that same XXXX  I provided this info to XXXX XXXX  who promised a refund if you are found guilty. XXXX  XXXX  then requested proof of my guilty verdict even though the entire time they can log in to the court house portal and digitally see the verdict because the entire time thats where they were seeing my info form the court. I provided XXXX XXXX  a photo of my guilty verdict the same XXXX  I received it. On XX/XX/XXXX I asked for an update on my refund and XXXX XXXX  responded to this question on XX/XX/XXXX stating I should get a refund in XXXX days. I NEVER RECEIVED ANY FURTHER COMMUNICATION NOT REFUND FROM XXXX  XXXX  THIS IS A SCAM COMPANY. On XX/XX/XXXX I filed a dispute with my bank for the service fee refund and provided them with all documentation from every step of this situation including the emails of XXXX XXXX  saying I should get a refund in XXXX days. On XX/XX/XXXX Capital One denied my dispute in favor of XXXX XXXX  even though I provided proof I was supposed to get a refund including the promise to refund advertised on their website. NO ONE IS HOLDING THIS FRAUD COMPANY ACCOUNTABLE.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (IN)

On XX/XX/year>. TRUIST BANK reported a New Bank/Credit Card to my XXXX Credit File which I no way requested. I watch this regularly and found this issue timely. I started a dialog with Truist. I worked with an investigator who was professional but ultimately unable to resolve the issue. Each time I called I had a higher burden of identification, starting simple with address, name on account and so on. This escalated until ONLY my SSID and birthdate would suffice. Note also that they never provided me an account number only a partial one that they would never acknowledge. I explained as plainly as I could that I have no real idea who I am speaking to and not inclined to provide this highly confidential info while I am already a target of fraud. They indicated to have the activity removed they require a high burden of documentation including a police report. They would not help with this nor did they seem to acknowledge any responsibility. I finally agreed to do that and provided the information timely. That is when I made my final call to verify docs were received. What transpired next made me uncomfortable. During each call I got a notification that the call is being recorded. Not a problem, however, by now I have lost faith so I indicated to the agent at Truist that I am ALSO recording the discussion which I was. She indicated that while she is recording she can not continue the discussion if I am recording. At that point I told her we had reached an impasse, that I would not call back, and I disconnected the call. This activity is still on my credit report at this time. I firmly believe that this has something to do with the fact that if they can keep this on my report it won't end up on their report ( which is where it needs to be ). I wish I could attach the police report, however I sent it to truist and I am not inclined to retrieve another one.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (VA)

i opened a bank account with axos bank on XX/XX/XXXX i set up my VA directl deposit to be sent to my new account then on XX/XX/XXXX i get a email that there closing my account i wasn't able to get my direct deposit changed because it was past cutoff and my direct deposit went to this account but it had been in pending closure status since the XXXX and wasn't closed so they received my direct deposit i called on XX/XX/XXXX and they said my account would be closed and my funds would be mailed its now XX/XX/XXXX i called and its still not been closed and my funds have not been mailed yet and i have bills that are past due now and they won't tell me when it will be sent
Consumer complaint received 2024-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (LA)

CAINE & WEINER have been constantly calling me for debts that are not mine and knowingly know that i have not contractual agreements with them. nor have I open any account with them XXXXXXXX XXXX
Consumer complaint received 2023-12-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (WA)

For over a year now Ive been trying to figure this out. I told them multiple times after they called so many times that I never lived at this place. I had written documentation that was notarized to prove I wasnt. They never sent me information letting me know there would be an attempt to collect debt. And when I did speak to them I asked to send me information which I never got. Now its causing me problems in my personal life and finances its hindering me from becoming financially independent and successful
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

HELLO IM XXXX XXXX XXXX, I WANT TO REPORT PAYPAL COMPANY FOR TOOKING AND STEALING MY MONEY WORTH XXXX AND THEY KEEP TELLING THAT I HAVE MULTIPLE ACCOUNT JUST THAT VIOLATE THERE POLICY EVEN THOUGH IM ONLY USING XXXX PAYPAL ACCOUNT I HOPE YOU HELP ME TO THIS PROBLEM BECAUSE THAT MONEY IS FOR MY MOTHERS MEDICATION THEY RESTRICTED PERMANENT LIMIT MY ACCOUNT LAST XX/XX/XXXX AND THEY SAID I WILL GET MY MONEY AFTER 180 DAYS AND THEN LAST XX/XX/XXXX THEY TOOK MY XXXX USD ON MY ACCOUNT AND KEEP TELLING I HAVE DISPUTE EVEN THOUGH I ONLY ACCEPTING MONEY FROM MY FAMILY MEMBERS HOPE YOU HELP ME BECAUSE MY MOTHERS REALLY NEED THAT FUNDS FOR HER MEDICATION AND ITS NOT FAIR THAT PAYPAL COMPANY POWER TRIPPING TO THERE PAYPAL CONSUMER I CHECKED OVER INTERNET AND THEY DOING THIS TO MANY PAYPAL USERS IF WE DIDNT STOP THIS THEY WILL CONTINUE TO STEAL MONEY TO A POOR PAYPAL USERS HOPE YOU HELP ME IM BEGGING TO REIMBURSE MY MONEY BACK PAYPAL COMPANY THEY ARE LICENSED TO STEAL MONEY OF THERE CONSUMERS... 

TRANSACTION ID : XXXX AMOUNT PAYPAL STEAL ON MY ACCOUNT : XXXX THIS IS THE LINK I SEARCH OVER INTERNET THAT THEY REALLY STEALING MONEY OF THERE PAYPAL XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (VA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

As a holiday incentive, Kohls offered an additional discount for items purchased during the XXXX holiday season. I accepted the offer, provided all required personal information for the credit card request including phone and email, made a {$210.00} purchase in XX/XX/XXXX and paid the amount in full on XX/XX/XXXX. 

On XX/XX/XXXX, my wife and I moved to a new address and informed all creditors in advance or upon receipt of forwarded mail. We diligently and consistently visited our prior post office for several months after our move as recommended by our new post office as a preemptive action. We responded appropriately to any sender of our new address as necessary ( i.e. insurance companies, magazines and other appropriate companies ). After our payment of our XX/XX/XXXX purchase, we did not receive any credit card billing information or statements from Kohls. 

On XX/XX/XXXX, a {$49.00} purchase was made at our local Kohls store. While we continued to receive Kohls emails and other promotional mail after our move, we did not receive a monthly bill for the XXXX XXXX purchase. And, neither my wife nor I use department store cards as a regular payment means, but I did confirm today from XXXX, a Kohls credit card agent ( # XXXX ), that we apparently used our Kohls card for the {$49.00} purchase. 

On XX/XX/XXXX, we received a notice from XXXX XXXX that a charge-off amount of {$330.00} was reported to credit reporting agencies due to our failure to pay a debt. I immediately contacted the XXXX XXXX XXXX unit and was told that if it was my responsibility to contact Kohls for any information.

I would expect that Kohls would have received notice of a change of address and the appropriate bill would have been received and paid for the {$49.00} purchase. The past due interest, late fees and compounding amounts that drove the balance to {$330.00} is very unfair and my credit score has been reduced by over XXXX points ( from XXXX to XXXX per XXXX ) due to XXXX XXXX account servicing failure.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-08-04
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: JPMORGAN CHASE & CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I submitted a complaint to Consumer Finance.gov about misapplying my payment where I was charged interest even though I paid the minimum ( which the statement states woudl apply to the lower apr ) + the remaining purchases balance. 

They have provided me with the reason I have been paying interest. 

They have one line written in their XXXX  when you agree to the balance transfer which makes it so that you agree that while you have a balance transfer still on your card, if you make any purchases on the card you pay interest immediately on those purchases. This is incongruent with what my card is typically. 

They then repeatedly refer me back to the section in my credit card statement, but I noticed something. They don't have that term written in the Credit Card Statement. They also don't have it in the Renewal Notice in 2023 when I carried a balance. They also did not email me the terms and conditions, that I can find. They don't have it available online. They don't display these terms anywhere it is only on one line of an online agreement. This is a disingenuous business practice and I would wager a guess they have been using this to scrape garbage interest off of unsuspecting people for a long time. You should investigate : 1. ) Why the Terms and Conditions aren't available to me? 
2. ) Why this special condition isn't included on statements? 
3. ) How much they have ripped off consumers by misleading them to think it is their fault for missing one line that they have deliberately hidden after?
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (GA)

Spring Oaks Capital SPV , LLC has violated 15 USC 1692 c ( c ) in attempting to collect the debt after I sent a letter containing a cease and desist. All proof and documents are provided below in the attachments.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

My information with Equifax has been breached, attached is the proof, and they refused to delete these accounts, so please delete this from my credit report immediately. As I was a victim of this data breach. 

These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX