davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX XXXX, I made the mistake of opening a new Capital One 360 account right from the online banking set up from CD 's I had for a number of years before I closed them. I elected to fund the new savings account via mobile deposit on XX/XX/XXXX with {$1500.00} drawn on my XXXX XXXX XXXX XXXX checking account. I felt insulted and targeted and in the email I received from CapitalOne 360, made to feel like a criminal. In their email, they stated : " We noticed you made a deposit into your account ending in XXXX on XX/XX/2022. 
After thoroughly reviewing the deposit ( s ) and your account, we've determined there's a risk that the deposit will return. To protect you, we've delayed the availability of all or part of {$1500.00} until XX/XX/2022. You don't need to take any action. '' I was insulted and belittled and targeted. The very scary thing was I received an email on XX/XX/XXXX Ref XXXX. This email stated : '' 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 XXXX XXXX XXXX. and Saturday XXXX XXXX XXXX XXXX XXXX 
Thanks. 
Capital One XXXX XXXX XXXX XXXX XXXX, NV XXXX '' This infers I am a criminal and my funds would be restricted forever. I then called the number this morning, spoke to XXXX who informed me they are unable to access accounts. Scary to say the least. He gave me a case # XXXX. I told him I wanted a call back when they had their systems working. No call back. I then called back inthe afternoon and spent a very wasteful half hour with an off shore call center. That person lied to me and said every deposit needs to be verified. The XXXX couldn't even look up the bank phone numbers. I hade to give him the phone numbers and he said he would calll them to verify. I told him that my first deposit for XXXX had already been paid. The 2nd deposit was for XXXX and had not yet been paid. The XXXX for my checking account had also been cashed. He lied and promised to call me back. Needless to say, he did not. At this point, I am very fearful and believe CapitalOne will not give me access to my money. I need the help of the CFPB to find out why they are treating me like a criminal and also if and when I will have access to my money. Based on the shoddy way I was treated by Capital One 360, I no longer would every want to have any accounts with them. I will withdraw my funds as soon as they decide to release them. I also want my name with them cleared. 

I attached a copy of the deposit that CapitalOne incorrectly and maliciously thought would be dishonored.
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (CA)

My credit report is showing late payments to XXXXXXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX an account with XXXX XXXX was discovered on my credit report and I disputed this account under unknown account as if it's fraudulent. I've submitted complaints with identity theft service and filed police report. XXXX XXXXXXXX is still not removing this account from my credit report
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I filed a XXXX  XXXX and paid it off. I paid the entire amount of my loan with Capital One. The layer placed the arrears of the loan in the XXXX  XXXX which I paid. I continued to make monthly payments until my loan was paid in full. After I got my XXXX  XXXX discharge, I was contacted by Capital One that I had past due amounts in the amount of {$1300.00}. They stated it was because the length of the loan. The XXXX was paid within the terms of the agreement. They would not release my loan until I paid the amount they stayed was because of the length of the loan even though my line was paid off before my XXXX  XXXX was paid. The lady was very rude and blocked my cell and home numbers. I had to use a neighbors number to get through and then my social security number was blocked. Every time I called the 800 number for XXXXXXXX XXXX XXXX XXXXXXXX XXXX  the same lady e we other s as very thick accent would answer. I called in the mornings and she answered and if I called late evenings she would answer. She refused to release my title until I paid the amount she stated I owed. The same week I paid the amount she stayed. I was reported as a charge-off. It was not a charge off! How can they report this to credit bureau after I paid the full amount of my loan and this amount she stated was delinquent? My credit rating dropped by XXXX because of this companies dishonest employers. They refuse to take my calls and tell me why!
Consumer complaint received 2023-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

I have scheduled several payments ahead of time so i do not fall behind on my loan payment and Nelnet has stated that my finical institution has rejected them each time. Each time i go and check with my finical institution and they have stated that they do not have a way to do that and that the ONLY reason for it to be rejected is if there is not enough money in the account to process the payment. I have made sure there is more than enough money in the accounts for it to go through. I am trying to do what i am suppose to in being responsible and paying my debt off and this starts with paying the interest first. My interest is accumulating now because i am not allowed to pay more. I have tried to call Nelnet to talk with a representative. I have waited for OVER TWO HOURS to speak with someone when there is no wait time or even a stated wait time for my call to be answered. They have rejected 4-6 extra payments already and i am already fed up with this mess.
Consumer complaint received 2023-05-01
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. (FL)

I am filling report because there are several credit inquiries on my credit report that are not authorized by me and I did not give any permission to non of the companies involved, this is a total violation of my consumer rights and i would like all the following inquires to be remove as soon as possible. 

XXXX XXXX XXXX XX/XX/2023 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 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have called and sent a letter to this credit reporting agency about the following errors and violations. A fraud alert was placed on my account without my permission. My Address is XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX. Please note that XXXX XXXX XXXX XXXX, Al XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX are not mine and should not be listed on my credit report. 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. XXXX XXXX- Account # XXXX ; XXXX XXXX- Account # XXXX, DPT Ed/ XXXX Account # XXXX ; DPT Ed/ XXXX- Account # XXXX ; XXXX XXXX- Account # XXXX has violated my rights. 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. These items have been reported inaccurately and without my consent as well as the following inquiries which i have disputed and filed an identity theft report with the Federal trade Commission. I have attached proof of the identity theft report, the letter that i sent certified, as well as the inaccurate results of Transunions investigations.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have a BoA Alaska XXXX CC that I have had for several years. This year, our balance was high due to a late XXXX family trip and the holidays. In late XXXX, we were unable to use our cards due to reaching the balance limit so I made a payment of {$2000.00} ( which more than covered my minimum balance in XXXX of {$80.00} ). In early XXXX, due to holiday shopping and life, I made another payment of {$15000.00} in order to make sure we had additional purchasing space for the rest of the month. For some reason, BoA 's system didn't remove my minimum balance as being paid for XXXX ( even though the system showed me as having no payment for XXXX when I made the {$15000.00} payment on XXXX? ) and on XXXX, my payment due date, BoA withdrew over {$8000.00} from my account since I am signed up for autopay. When I called them and asked why the autopay was taken out when I had already paid my bill they could not provide me with an answer. The manager I spoke with said this money can not be credited back to my account for 1-3 business days on their end and then an unknown amount of time for it to land back in my bank account ( a week or more likely ). This happening in the first place is criminal. Them not being able to remedy the issue, especially it being the holidays and all, is just unacceptable.
Consumer complaint received 2017-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It was recent brought to my attention that there were hard credit inquires from XXXX XXXX XXXX ( Transunion ) on my credit reports dated XXXX/XXXX/XXXX. These were done without my authorization or consent. I have no knowledge of this and would like for them to immediately remove it.
Consumer complaint received 2023-04-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
SXXXX 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 XX/XX/XXXX
Consumer complaint received 2023-11-23
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (FL)

I met a person on an online app that told me I could be making money at first I did not believe it as I do not believe such things, but I gave in and surprisingly I was able to withdraw XXXX XXXX  mind I had to use my money, then things escalated as the application trust allows them to take my money once in there, there is a browser on the application trust that I used to go to XXXX they took XXXX XXXX and made me request money from my bank credit card that my bank easily allow as well totaling XXXX XXXX  and now when I finished the activity on which they state I would make XXXX XXXX  they are requesting from me XXXX fee to withdraw which I do not have and I lost all my saving and the money the bank lend me, I am in extremely exhausted I havent been able to find anyone to help me with this, I called the police and they did a report but nothing else, I reached out to the fbi and I was a little exaggerated with my words so they sent the police to my house and put me on a XXXX place because they thought I could hurt me or others and did not help me on my case where I really need help, I just really hope somebody can help me try to recover the money at least the one I borrow from my credit card to pay back or I will have a terrible credit destroyed and I was scammed. I hope you can please help me find a solution or try to. Thank you
Consumer complaint received 2022-10-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA (VA)

My bankruptcy was completed in XXXXXXXX XXXX XXXX  and Fed Loan Servicing is listed in my discharge paperwork I have contacted them dozens of times to close these accounts there are 14 of them and all of which have been XXXX. They were sent discharge paperwork from the courts as well as myself, since then Fed Loan Servicing sold my accounts to XXXX XXXX  who is trying to collect on a dismissed debt
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OH)

The bank increased the negative amount on the account after reversing disputed transactions. These transactions were disputed on the basis that I cancelled the membership and keep receiving charges. However upon a deposit being credited to the account the negative balance increased. They failed to deposit the amount and placed {$0.00} but the employers name. 

They are praying on XXXX and XXXX XXXX  to steal funding and manipulate the balance ledger. They have been stealing my money for years and I've been watching it randomly disappear.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Ria Envia, LLC (MD)

A money transfer was made with Ria money transfer on XXXX XXXX and was canceled on XX/XX/2024. Ria Money Transfer claims they returned back my money in my account on XX/XX/XXXX, which they never did at at now. Ria Money Transfer requested for my bank statement which I provided, but to no avail as at today. The amount sent on XX/XX/XXXX was {$500.00} to XXXX from XXXX using my debit card. Im so sorry my name is XXXX XXXX. Hopefully this issue can be resolved with your help. Hoping to hear from you soon. Thank you.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I do not recognize the alledged debt or debtor on my credit report and I refuse to pay it. I have never done business with nor do I have a legal or binding contract with XXXX Account XXXX. This account was recently closed and then reopened after disputing it previously.
Consumer complaint received 2022-12-20
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. (TX)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Theyre saying I owe I debt that I never consented too. Then added it to my collections, which in turn made it a bit difficult to take out a person loan thatll help consolidate my credit card debt. Theyre trying to get paid twice and Im not having it. They already filed a 1099. So they should be the ones paying that debt. Especially since I didnt give them the consent to sell my information
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received my credit report on XX/XX/XXXX and notice there were hard inquires that have no permissible purpose to be on here. These hard inquires are hurting me from getting approved. I already reached out to the credit bears multiple times and they keep violating my rights under 15 USC 1681B. I have also attached the hard inquires that don't have purpose to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN)

On XX/XX/2023 XXXX, XXXX XXXX, sent {$330.00} on the MoneyGram platform to my sister in law 's bank account in XXXX. All was done in USD. The reference number is XXXX. After more than four contacts via chat, phone and emails ; three different " cases '' were open with MoneyGram customer service site. As of XX/XX/XXXX, no money has been refunded. MoneyGram admitted there was a delay in delivering these funds. But instead of refunding our money, MoneyGram continue to open " investigation cases ''.

The recipient does not have the money, we don't have the money. MoneyGram has the money and does seem willing to refund it to me. 
At this point, I believe fraud is involved and someone has absconded with our money..
Consumer complaint received 2023-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX collection account should be deleted from all three of my credit reports. The company has requested deletion from all 3 credit reports yet it is still on my reports. I expect that this collection account account be deleted from all 3 credit reports as asp.
Consumer complaint received 2018-12-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ceannate (PA)

As of XX/XX/XXXX, my bank account was overdrafted for the amount of {$78.00} by XXXX XXXX XXXX at the address of XXXX. XXXX XXXX XXXX, Illinois XXXX and I wish to file a complaint against XXXX XXXX XXXX because of this occurring with my bank account. I have documentation from their office with the {$310.00} that I supposedly owe to the XXXX  XXXX XXXX even though I advised the representative that they could not take money from my bank account until after XX/XX/XXXX. I have already filed a complaint with my bank and they are working on that end as well. I feel as though this collection agency XXXX XXXX XXXX leads former XXXX  XXXX XXXX Students astray with their demands for collection of money that is supposedly owed. This money should have been satisfied with my federal student loans by the college but they sent the funds back to the US Department of Education. I received the collections notice on XX/XX/XXXX stating that the XXXX  XXXX XXXX wants {$310.00} and I feel as though I do not owe them this money at all.