davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I made a payment today XX/XX/24 for my full balance of {$430.00}. Capital one said it's fraudulent activity and wouldn't let my payment go through and restricted my account. I called about it and they said we had to do a XXXX way call with my bank to verify it's my account. We went through the whole process and then Capital one hung up and didn't let the verification process complete. I called them back and this time when they added my bank to the call she said they won't verify my account with a XXXX party on the line. Capital one then tells me I have to upload a bank statement to show that it's my bank account. This is ridiculous. I want my payment to go through and then I'm closing my account with Capital one. I have never experienced something so ridiculous that I'm restricted from paying my bill from an account that is already linked to them and verified and that I had recently made a payment of over {$300.00} to them with no problem. I think I've been compromised given the fact that the bank would not verify over the phone even though we supposedly had just done it. I am upset and I want nothing to do with Capital one. Let me pay my bill and close my account. They restricted it so I could not send a payment from my bank. Please help me with this matter. At 30 % interest they just want time to go by so they can charge me more interest. And they said they would call me at XXXX after they review my bank documents that I uploaded to them. No call and no payment has gone through and they still have my account restricted. This is crazy and a waste of my time just to pay my bill
Consumer complaint received 2024-05-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (WI)

Please see complaint filed XX/XX/XXXX concerning Sunrise Credit Services , Inc . The company responded on XX/XX/XXXX that it had ceased collection efforts and closed the 'account, ' insinuating that I had been hasty in filing my CFPB complaint. 

I received another collection letter XX/XX/XXXX from Sunrise Credit Services , Inc., for the ame amount and referencing the same account number. 

As originally reported to CFPB, I do not owe a debt to Sunrise or the creditor. I disputed the debt with Sunrise before contacting CFPB.
Consumer complaint received 2024-05-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TN)

I called Shellpoint Mortgage on XXXX XXXX to make a payment. I informed the agent that I was only making half of the mortgage payment. He deliberately applied the total amount to the account. This has created a total mess, I have direct payments for some of my bills. This will possibly create overdrafts to my checking account. I reached out to the company immediately, I was told they would escalate reimbursement within two days. I have not received the deposit into my account. I contacted them today and was told it had not been done. I have had problems with this company since my loan was transferred.
Consumer complaint received 2023-06-24
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: Experian Information Solutions Inc. (FL)

I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TX)

I was contacted earlier this year by XXXX XXXX XXXX, which claimed to be collecting on an account sold to them by Citigroup which had gone delinquent. I denied that I had opened this account or charged anything on it, and noted that they seemed to have a wrong phone and XXXX for me. XXXX insisted that I had opened the account and has continued with collections activity, including filing suit, which I have denied. I am now preparing to fight the case iXXXX XXXXt. I believe my case is an example of synthetic fraud, with someone having stolen some elements of my identity and then applied for credit utilizing them and another bank account, phone, email, etc. 

- The date XXXX claims the original account was opened was XX/XX/XXXX. 
- They claim the account charged off on XX/XX/XXXX - The amount in question is claimed to be {$5300.00} - I replied to XXXX in early XXXX, and challenged the account and requested arbitration, which appears to have been granted. 

I do not have a full Citigroup XXXX XXXX account number ( this has not been supplied to me, but the account has been referred to as XXXX. 

XXXX 's internal account number for the case is XXXX.
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (VA)

Hunter warfield is attempting to collect a debt on my credit report that I dont know of. I have never heard of Hunter Warfield and most definitely havent received a legally required notice or any form of communication from this unknown business or company. Hunter warfield has willingly parked a debt on my credit report stating that I owe an apartment community from the federally mandated COVID-19 crisis. I have no knowledge about this alleged debt and have never done business with hunter warfield and I want this account removed immediately.
Consumer complaint received 2024-03-10
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: CLGF Holdco 1, LLC (MD)

I opened an Indigo credit card/ genesis, FS card services in early XX/XX/XXXX. I XXXX XXXX XXXX Was never late on a payment ever never went past my maximum credit limit of {$300.00} I had a fall paid as agreed on all three credit bureau/agencies for about 18 months. Now I got XXXX on XX/XX/XXXX at the time I do believe I owed indigo right around {$70.00} is what my balance shouldve been. I disputed my indigo account with XXXX XXXX and I dont believe I disputed it with XXXX just as of yet, the reason being is I was not disputing the indigo account saying it was fraudulent. It was my account I opened the account and early XX/XX/XXXX and like I said always paid as agreed never went even close to my {$300.00} credit limit most of the time Very low balance anyway was held without bail on XXXX XX/XX/XXXX while I was sitting at the XXXX XXXX XXXX XXXXr got my wallet and my tablet from out of the vehicle that the XXXX XXXX Police Department towed to their impound lot, and then auctioned off the vehicle Right around XXXX late XXXX I discovered all my accounts have been compromised. I let my case XXXX XXXX XXXX know and she allowed me to make as many phone calls as she could be in as busy as she was would be the only case manager for a lot of XXXX my point for this complaint is and I already contacted indigo/Genesis FS card service bank. I did not want my indigo account to just be disputed and took an off of my credit report all together I wanted the truth to be reported and that was for over 80 months I paid as agreed, and once I got incarcerated, I was a victim of identity, theft and unauthorized use of my credit card or my credit card and all my bank cards were used. I filed a police report online. I have it all document ties so I will be sending documents to indigo Genesis bank, FS card services And I will be sending copies to all three major credit agencies also because under the credit report and act a credit account that was rifle mine and was being paid on on time every month for over 18 months actually help my credit so I feel like them keeping the collections on my credit report hurt me and my credit score and them taken the indigo account off. My credit report hurt me even more because it wouldve showed nothing but on time payments for over 18 months right before I got detained and incarcerated and was offering me there upgraded card which I cant remember what its called in the rewards or something like that Ill submit the documents I have now, but I also will be submitting more documents via US mail to indigo/Genesis FS card services, Bank, and all three credit credit agencies
Consumer complaint received 2023-04-25
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: NAVY FEDERAL CREDIT UNION (NY)

I have a few accounts on my credit that i dont ever remember apply for. These are inaccurate and Dont have a right to be on my credit report. 


NAVY FC ( Finance ) XXXX XXXX ( Bank ) NAVY FCU  ( Finance ) NAVY FCU ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) NAVY FCU ( Finance ) XXXX XXXX ( Finance ) XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX BANK ( Bank ) XXXX XXXX ( Bank ) XXXX BANK XXXX ( Bank )
Consumer complaint received 2023-09-18
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. (TX)

XXXX is reporting a charge off form XXXX XXXX that is past the statute of limitations in my state and in violation of the USC 1681 2 ( a ) ( 1 ) and USC 1681 s2 and USC 1681 a. They have no right furnishing my personal experieence with outside CRA without my prior autorization. this is a vilation of my Consumer rights. Also XXXX XXXX is repeatedly harassing me with settlement offers, emails, and phone call even after the statute of limitations has passed in my state which is a grave violation of the FCRA and the FDCPA.
Consumer complaint received 2024-03-09
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Affirm Holdings, Inc (FL)

I am writing to formally request the immediate removal of my account and the return of my funds, in addition to requesting the removal of this account from all credit bureau reports, in light of recent findings against XXXX XXXX XXXX ( XXXX ), as outlined in the enclosed school exhibit. It has come to my attention that XXXX was found guilty of making misleading claims, false product claims, and engaging in XXXX activities. 

Given these circumstances, I believe it is both fair and necessary to dissociate my financial and educational investments from an institution proven to be in violation of ethical and legal standards. The integrity of my educational pursuits and financial engagements is of utmost importance to me, and continuing under the shadow of these revelations is unacceptable. 

Therefore, I kindly ask that Affirm takes immediate action to terminate my account, ensure the return of my funds, and remove any associated records from all credit reporting agencies at the earliest convenience. This request is made in the hope of maintaining the highest standards of accountability and transparency in our financial and educational ecosystems. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of account removal, fund return, and the clearing of my records from credit bureaus.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (FL)

I have being having issues with my LexisNexis report, multiple records such as : identification, driving, and insurance record are missing from my report using my social security number. 

There is another report with my exact same information except for the Social security number being different where it contains my missing records ( driving, insurance, identification ). 

I have tried calling LexisNexis to have my records back to my report but as of today they have not being able to fix the issue. 

I will be attaching a copy of both reports, the one with correct SSN, and one with incorrect SSN. both reports were provided by LexisNexis and will include consumer number and case number as well as different unique LexID for each report. 

Driving and insurance record is very important as it could affect rates/price given by insurance companies. 

Not having these records affect me monetarily when purchasing a car insurance policy.
Consumer complaint received 2024-03-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Eaton Group Attorneys LLC (LA)

I contacted XXXX XXXX upon returning home in XX/XX/year>, went to his practice and he became very hostile demanding more than what I owed. I informed him that the company deducted funds from my account and did not give me credit on several occasions. I offered him I think {$600.00} and he demanded XXXX and some change. I left XXXX XXXX and his secretary followed me out the door taking pictures of my license plate. 

A few years ago Eaton Group, Attorneys, L.L.C aggressively contacted me demanding almost XXXX of which I definitely wasn't going to pay especially when I had contacted the previous attorney to settle the case with funds, I should've been renovating my home with. Eaton Group is currently trying to garnish wages from my employer, they have ignored my request both verbally and by email. I have recently sent them a written letter requesting the original contract and amount along with payments. The only time the company has responded is when I filed a complaint with the XXXX XXXX XXXX I have not received one response to an email or phone call.
Consumer complaint received 2024-03-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (MD)

I signed up for a music funding program with XXXX XXXX last year. However, AFTER signing up for the funding services, the only funding options are for business loans and no business grants ( which is the ONLY type of funding I am interested in as it relates to funding my music business ). 

To misrepresent the type of funding your program offers XXXX XXXX it known that you are only providing services for business XXXX XXXX is misleading to business owners ( especially when they utilize Affirm ( per their request ) to apply for funding for the program. 

Both Affirm and XXXX XXXX are committing fraud by misleading the consumer in order to make a profit off of them- very unethical business practices on both of theor parts. 

I want this XXXX looked into AND a full refund of the payments that have been debited from my account to date. 

You CAN NOT mislead potential clients in order to getoney out of them and I'll be filing additional complaints other Federal agencies as well to make them aware of the scam Affirm and XXXX XXXX are running.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

So basically a few years ago, there was a identity theft issue going on when I separated from my wife and I had a credit card that was opened up in my name with XXXX XXXX XXXX and then I called and I disputed it and it was closed but for some reason, theres been a debt collection thats been coming after me And I dont know what to do about it. I did call the debt collection agency also and I let them know that that was a result of identity theft, but still being encouraged me to pay them and I will not pay something in result of identity theft. Please help me.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, 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
Consumer complaint received 2024-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

I have received a significant increase of my monthly payment due to miss applied payments. I am considered to be totally and permanently XXXX due to my service connected XXXX. 

I receive XXXX County Property Tax exemption, which entities total tax exemption.

This error has occurred on a yearly basis, with this mortgage servicer. I made a request to remove taxes from Escrow however those request are ignored.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IN)

In accordance with the Fair Credit Reporting this creditor has violated my rights under 15us1681 section 602 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (IL)

On XX/XX/year> I was denied access to my Current Banking account. There were still several thousands of dollars worth of in-bound transactions that I can no longer access. 

I have tried contacting support and tried to get some explanation from a human, but so far I have only received the automated support.
Consumer complaint received 2024-02-03
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CA)

I am writing to bring to your attention a matter of grave concern involving NetSpend 's purported involvement in misappropriating funds that rightfully belong to the Federal Trade Commission ( FTC ). 

Over the course of the long spand of getting my tax refund deposited on to a prepaid card ], I have observed and encountered evidence suggesting that NetSpend, a financial institution, has been engaging in activities that result in the diversion or unauthorized use of FTC funds. These actions have had a direct impact on [ describe the impact on your tax refund or any specific instances ]. 

As a consumer affected by these actions, I am deeply troubled by the apparent misuse of FTC resources by NetSpend. This issue not only affects individual consumers but also undermines the integrity of financial transactions and trust in regulatory institutions. 

I respectfully urge the FTC to conduct a thorough investigation into the activities of NetSpend and take appropriate measures to address this matter promptly. It is imperative to safeguard the integrity of FTC funds and ensure that such practices do not persist, adversely affecting both consumers and the credibility of regulatory bodies. 

I am willing to provide any additional information or evidence that might assist in your investigation of this concerning issue. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further details. 

Thank you for your attention to this matter. I eagerly await your response and actions taken to rectify this situation.
Consumer complaint received 2023-12-11
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NCS, Inc (IA)

Noll Collection is threatening to garnish my XXXX check for a debt they are fully aware of the fact I DO NOT OWE. Noll Collection never properly served me and some how got the judge to allow them to serve me by publication. I was wrongfully evicted from my apartment and I have evidence my landlord was trying to over charge me for rent. I also have evidence my landlord is the ones that broke the lease not me. I worked out of town and my landlord was fully aware of this fact. The lease I signed said when rent was due then I was a fee of a dollar each day rent wasn't paid that month. I literally still have the lease. In fact the judge that ruled against me advised XXXX to remove the dollar a day fee cause in his words it could lead to muddy waters. I was wrongfully evicted from my apartment then railroaded by this legal system here in XXXX XXXX and now Noll Collection is attempting to garnish my XXXX check. The attorney for Noll Collection knew I was working and filed for this notice of publication which should be a crime. XXXX was allowed to illegally evict me then this curupt legal system wrongfully convicted me then to help allowed Noll Collection attorney to serve me by publication trying to steal more money from me by garnishment and I'm wrong for trying to leave my life. This company criminal actions need to be looked into.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NJ)

Credit Card Company XXXX rewards card failed to post my payments on time. They closed my account due to the fact that my payments got reversed it says my payments has been posted but on their statements my payments didnt show up until XXXX weeks later. I called the customer rep and talk about the problem as Im getting late payments on my credit report. I provided them with my bank account for the automatic payments and still the same problem occurs. I keep getting charge late fees which they wave off but the derogatory marks in my report is what Im worried about. They deleted all my statements on my account I do not know how much I really owe them.