davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

This complaint refers to a {$1000.00} deposit made as part of the sign-up process for a Capital One 360 Performance Savings account. The account has been closed and Capital One has failed to return this deposit. 


On XXXX XX/XX/2023 I opened a Capital One 360 Performance Savings account. Part of the process was to initiate a transfer of funds from a personal local savings account into this new account. I made the transfer of {$1000.00}, and my local bank shows the transfer having been completed. 


On XXXX XXXX, I did not have full access to the new account, so I called their customer service number. I was told that my account needed additional verification ( there had been no notice of this via email or via messaging through my new account ), and that I would need to download an app to my phone which would then be used in a complex operation to take a picture of my drivers license, front and back, under very narrow constraints. After half an hour, the process continued to fail and so I told the customer service rep that I didnt feel like online banking should be this complicated. I asked them to close my account and return my {$1000.00} initial deposit. After the phone call was transferred to somebody else I was informed that the account would be closed, and that the deposit would be returned to its original account. 


On XXXX XXXX I found that I was no longer able to log into my Capital One account ( which is understandable, and was part of what I requested ), and that I would need to call their customer service number. In the meantime, my {$1000.00} from my local bank had not been returned. I called Capital One customer service number and, after entering my information, was directed to voice mail. It appears that there is now no way I can actually talk to anybody. The voice mail greeting says to leave name and phone number, and that they will try to return the call if its needed. 


On XXXX XXXX, my {$1000.00} deposit still has not been returned, and I have left a third voice mail ( again, there is no way to access a live representative ) informing them of the problem, that they need to return my {$1000.00} initial deposit to the local account from whence it came, that I have filed a complaint with the Better Business Bureau, and that I am now preparing this complaint for submission to the CFPB. 


I do not suspect malicious behaviour, but probable significant deficits in their customer service that prevent this from being resolved. Nevertheless, they continue to retain my {$1000.00} initial deposit and they provide no way for me to resolve the situation other than for me to leave voice messages that they say they might return if necessary.
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XX/XX/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 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 2023-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (CA)

I have reached out to CKS Prime Investments on more then one occassion requesting the removal of this fraudulent account due to it being a result of identity theft. I have requested validation, and all or any information on this fraudulent account to aid in its removal. All request for documentation have been ignored and this fraudulent account continues to report on all my personal credit files.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Due to identity theft, I requested XXXX, Transunion and XXXX place a credit freeze and fraud alerts on my account in XX/XX/XXXX. All 3 bureaus failed to confirm this through mail or email. I followed back with XXXX in XX/XX/XXXX. There was no Fraud alert in place -- I requested this and again they did not confirm this in writing. Now I have had three subsequent identity theft events. The most recent was in XX/XX/XXXX when a hard inquiry was allowed by Transunion and an unauthorized line of credit was opened in my name according to my Transunion report. This is the exact reason a freeze and fraud alert was requested in XXXX and XXXX -- to prevent such an occurrence.
Consumer complaint received 2018-09-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (IN)

A representative from Lockhart, Morris, and Montgomery named XXXX, called and said that I owed XXXX XXXX XXXX  for not completing a contractual agreement. I resigned driving over the road because of lack of home time, which XXXX said they would schedule and did only twice in a four month period, and poor treatment of staff. The agreement was for a total of XXXX miles of driving. There was a {$5000.00} penalty for not completing and I incurred a ticket for {$6000.00} which payroll deductions were being made. The debt collector added a {$2500.00} fee which I could not agree to pay, I believed it was an excessive amount and could not remember seeing that amount in the original paperwork. I refused to agree to anything which included this fee. The amount taken through payroll deductions reduced the debt to around {$10000.00}. XXXX told me that if a paid roughly half, {$5000.00}, he would waive the fee, not report this to the credit reporting bureaus, ( XXXX, XXXX, and XXXX XXXX ), and schedule a payment plan of {$120.00} a month.The {$5000.00} was paid on XX/XX/XXXX, of  which {$3000.00} I borrowed from a friend. On our next communication, XXXX said that I only had 10 days to pay the rest of the amount. I told him that I did not have that amount and demanded my money back, at least the {$3000.00} that I borrowed from my friend since he would not honor what we had previously discussed. He refused to do this. I told him that all I could afford was {$120.00} a month or he could wait for the court outcome for the {$6000.00} ticket which was being litigated. I then receive an alert from a credit reporting service that an amount of {$7800.00}, this includes the {$2500.00} fee, was reported as in collection to XXXX, XXXX, and XXXX XXXX as of XX/XX/XXXX and again XX/XX/XXXX. They also did a credit inquiry on XX/XX/XXXX which I did not authorize. I also told XXXX not to call me before XXXX and he made at least five more calls after this request.
Consumer complaint received 2018-09-03
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)

Experian continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 

I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via certified letters and by following their disputing process online as well. 

Experian has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated. 

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Experian is refusing to delete this information from my credit report.
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

Hello, last month I've tried to reach out to the credit bureaus to get two charge offs accounts verified/ removed and they weren't able to do it. The first account is BARCLAYS BANK DELAWARE {$2100.00} and the other account is XXXX XXXX XXXX {$4800.00}. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Have put in dispute with all XXXX of the credit bureaus about these hard inquiries that I have don't have any knowledge about and the XXXX credit bureaus still are refusing to remove these Hard inquiries off of my credits report even after explaining that I was a victim of fraudulent activity.I submitted a copy of my Identity Theft Report showing the alerts.They still are saying that it is being verified as accurate.How is that so I know nothing about these inquiries and demand they be removed from my credit report under the15Usc-1681 Consumer Reporting Act the information must be proven an accurate.
Consumer complaint received 2018-09-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MIDCOUNTRY FINANCIAL CORP (FL)

To CFPB I am writing to dispute and Complaint about Negative Unverfied and anauthorize, Collection Company Highly negative impact on my personal credit report Erroneous collection reporting to all 3 credit Repositories, XXXX XXXX  and XXXX intentionally places by the Collection Company XXXX XXXX, on or about XX/XX/XXXX, for unpecefied amount This companies hires 3 party Collections companies that as employed harrasment tactics to try and collect anauthorize unverfied debt, they claim I owe Unspecified amount but yet I was never informed of this alledge unverfied Accounts, XXXX XXXX employed Predetory Collection practices continue phone calls no proof of contract or Signiture or application no Verification of debt was ever sent to my home via USPS the Fair Debt Collection Practice Act 15USC 169q2 ) Sec809 ( b ) that there claim is disputed and validation Letter was sent to XXXX XXXX Certified Mail In XX/XX/XXXX.the Letter stating It was not a request for Verification or proof of mailing address but a request for Validation made pursuant to the above name title and Section please note this unverfied Collection has impacted my good credit standings severly damaged to and lowering my Credit score severely I am XXXX Military Veteran this is a Hardship to my self and my family trying to obtain financing because of the Detrimental Collection placed on my credit file by XXXX XXXX , Relevant to this hurtfull continued Phone harrasment to my self and family members they continue there Phone calls and frequently change there Collection tactics, My family And I feel Violated by Predetory acts, with no regards to privacy a Defamation act tactics very stressful event on my consumer rights to challenge such a flagrant disregard they listed a Derogatory And mark my credit reports as a Collection, With prior notification or veryfying this claim, XX/XX/XXXX to XX/XX/XXXXone year and they never legally provided proof in writing to my residence.I am Requesting that they contact the 3 CRAs Repositories XXXX, XXXX, And XXXX  And emedietely Delete this erroneous entry in my credit report.. thank you for letting me post this complaint.
Consumer complaint received 2023-11-17
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-18
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. (MD)

Someone with a different name other than mines requested information from experian to my address. The person does not live at my address and never have. Impression : this person lives at my address and requesting information from Experian. Correct address, wrong name. this individual does not live at my address.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I had a loan through Credit Acceptance for a XXXX  XXXX XXXX, however the car was stolen and recovered but my insurance would not approve the claim and I couldn't get the car fixed, so I called them told them that the car is in bounded and they were going to auction off the car, they didn't want the car, but they want me too pay {$3000.00} to pay off the interest off to close the account
Consumer complaint received 2018-09-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (TX)

On or about, XX/XX/2018 the record shows I mailed XXXX XXXX Notice of Lawful Affidavit with attachments, dated XX/XX/2018 by CERTIFIED MAIL NO. XXXX XXXX XXXX XXXX XXXX as verified by Affidavit of Mailing : TO : XXXX XXXX, ( a living man ) CHIEF FINANCIAL OFFICER NAVIENT CORPORATION XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX After acceptance of four mailings, XXXX XXXX refused to send a rebuttal on behalf of himself and or NAVIENT CORPORATION in XXXX DELEWARE. There has been no adjusted and or settlement, nor a notice of dishonor from a qualified third party excusing him refusal, in the ten ( 10 ) days following the second, third and fourth mailing. 

Therefore, based on the foregoing facts, I certify that XXXX XXXX and or NAVIENT CORPORATION in XXXX DELEWARE, has dishonored and I declare lawfully through nonresponse, has thereby agreed and has accepted the presentment along with the obligation per public policy. 

Further, XXXX XXXX ( a living man ) and or NAVIENT CORPORATION in XXXX DELEWARE, agree that their refusal to send the written confirmation or a notice of dishonor from a qualified third party, in no way negates the fact that said case is settled and closed, that he nor their agency has no capacity to pursue on said case, and that further pursuit of case is agreement that XXXX XXXX ( a living man ) and or NAVIENT CORPORATION in XXXX DELEWARE, collectively owe Principal ( a living man ) in excess of {$500000.00} ( XXXX XXXX XXXX dollars ) and that he may take all necessary steps to secure his claim to the debt owed to him and to collect.
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (FL)

Received phone call from Southern Management Systems on XX/XX/XXXX attempting to collect over {$600.00} based on a lease I guaranteed for my daughter which ended on XX/XX/XXXX. I requested they send me detailed information about the debt including copies of all invoices and charges. I disputed the debt with them, I have not received any further followup from them explaining the nature of the debt. 

If they amount owed is valid, they should have contacted me prior to 9 months. They have already reported it as a bad debt to credit reporting bureaus, yet I still have not received any further information about the debt. I contacted them to follow up on the dispute on XX/XX/XXXX, they could not tell me the status of the dispute.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (FL)

I applied for unemployment in XXXX. I was told it would be 5-10 business days from when my card would be delivered. After a month of no care I called during spring break, XX/XX/23, to see where my card was. I was told it was just sent out that day and would be 5-10 business days. It is now XX/XX/XXXX and I still havent received anything ; I try using the hotline to speak to a live person and the hotline changed so no person is accessible, there is literally no option to speak to a customer service agent and the automated number hangs up on you. I am beyond livid with this way2go program that Florida forced me into. I pf it wasnt for the kindness of others I would be starving in a ditch thanks to the ineptitude that is Floridas unemployment program and way2go horrendous policies.
Consumer complaint received 2023-05-08
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. (FL)

In accordance with the fair credit reporting act XXXX  this creditor, has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : I also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-20
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. (NC)

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 2023-07-19
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: EQUIFAX, INC. (GA)

During my time of XXXX, my identity was exploited and accounts were deceitfully opened in my name causing considerable turmoil and difficulties upon my release. The accounts are as follows : XXXX XXXX XXXX XXXX opened XX/XX/2019 - Acct number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 - Acct number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 - Acct number XXXX Even after my release my credit was still being compromised. I have disputed this with the bureaus and the creditor and I've yet to get any satisfactory results.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (GA)

I dont lived at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX  XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX new york XXXX. 15 usc 1681 B I have a right to privacy and the consumer reporting agency continue to violate my rights and wishes. The only address that should be on file is Rural free delivery, non domestic, Georgia XXXX XXXX. There is no law that says any credit reporting agency can report this information without my consent and i say no period My name is XXXX XXXX XXXX nothing else but that
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I'm trying to find the source of an ACH transfer made to my checking account from XXXXXXXX XXXX  to Chase bank. Each bank says the other bank has the information and is responsible. I have made three calls to each bank and received no satisfaction. I want to know who has access to my checking account and who gave them that access. It seems to me a simple request and information I should have. Neither bank was cooperative. 

For me, the amount was considerable, over {$1600.00} I don't want to prevent the same source to begin withdrawals from my account.