davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
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: Experian Information Solutions Inc. (IA)

Hello my name is XXXX XXXX and I have a problem I really need your help with this. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX {$740.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I OPENED A SECURED CAPITAL ONE CREDIT CARD AND GAVE THE {$200.00} DEPOSIT!! I HAD SET UP AUTOMATIC PAYMENTS OF {$25.00} MONTHLY TO RAISE MY CREDIT, THEY ALWAYS TRIED TO COMPLETE THIS TRANSACTION DURING WEE HOURS LIKE XXXXXXXX XXXX WHEN I LOCK ALL MY OTHER CREDIT CARDS BECAUSE I WAS HACKED BEFORE AND LOST OVE {$600.00}?!!!
Consumer complaint received 2023-01-08
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: Experian Information Solutions Inc. (NJ)

Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX  Account off of my credit report since XXXX. This charge off/collections account dropped my XXXX XXXX over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only XXXX has updated it. XXXX updated it XX/XX/XXXX. I would like compensation for the drastic drop in my XXXX XXXX and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. XXXX XXXX XXXX has yet to update this for me.
Consumer complaint received 2017-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX filed a Fair Debt Collection Practices Act ( FDCPA ) protest against XXXX XXXX XXXX ( XXXX ) collection this past XX/XX/XXXX. The debt in dispute pertains to an old Capital One account that was satisfied several years ago through another collection agency in XX/XX/XXXX. Since that time, I have re-established credit and have procured another Capital One credit card. Capital One has already deleted the old account from all of my credit bureaus based upon the 7-year timeline of the Fair Credit Reporting Act. XXXX has acquired information on me through an illegal debt pooling agreement, whereas my information floats to various collection agencies. Just because XXXX sends out validation letters does not validate a collection. Based upon a court decision in XX/XX/XXXX against XXXX called Federal Trade Commission v. XXXX XXXX XXXX, XXXX must show proof of ownership of a debt or proof that Capital One has extended approval on the collection. The attached FDCPA collection letter was explicit on the actual process that is required legally. The FTC case also stipulated that the bebt must be within the legal timeline where it could be collected based upon the sate law guidelines of the consumer 's residency. In essence, XXXX is trying to collect on a debt that has already been eliminated from any legal collection process, and that the legal timeline where the item could be carried on credit from the original creditor has passed. XXXX is in violation of both FCRA and FDCPA regulatory guidelines passed by Congress. Accordingly, this item must be deleted permanently, and my file information must be voided by XXXX. THIS ITEM POSTED IS ILLEGAL!!! <P/>XXXX MUST DELETE ITEM AND PURGE MY INFORMATION!!!
Consumer complaint received 2023-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

I reached out to Wells Fargo 3 to 6 months ago whereas I informed them that I wanted to speak with a mortgage banker about my mortgage for explaining of multiple entries of my mortgage payments. They had me set up an appointment and yet on the day of the appointment I met with someone other than a mortgage consultant as the person that I met with had to call someone on the phone and repeat everything that I said to that person. Yet the practice continues. Also, I recently made a {$2000.00} payment on my mortgage but rather than apply it to principal they subtracted my regular payment amount and applied the balance to principal even though I made regular payment 4 days earlier. 

I could go on and on but I hope I have said enough for you to get the point I am making. 

Thank you
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I contacted Capital  One  Credit Card company to inform them I was an a serious   XXXX   XXXX  t  XX/XX/XXXX  which I was not at fault. As a result of   XXXX   I received severe  XXXX   XXXX   XXXX . Since   XXXX   XXXX   I have been under care of several physcians one being my  XXXX  who have worked continuously to help aid in my recovery. As of   XXXX   XXXX   XXXX   I have gained my memory back and thus have started back full time with my employer. I contacted  Capital one  to bring my account current and was told that  Capital One  would not accept payment and would not reestablish the account which closed according to representative 5 days prior to my calling in on  XXXX / XXXX / XXXX . I have new banking information with my credit union and no longer have any other affiliated banks and thus informed Capital One that Bank  XXXX   XXXX  Account was closed immediately following my car accident but I was not consciously or cognitively aware that any payments to  Capital One  were affiliated with my former Bank  XXXX   XXXX  Account. I explain that I have legal documentation of my  XXXX  now and due to my  XXXX   XXXX   XXXX  was not consciously aware of my daily surroundings or activities. I have the money in my account to pay  Capital one  and would like to have my  XXXX  credit card reestablished. I have documents from both my car accident attorney, neurologist, and my employer that displays my hardship.
Consumer complaint received 2023-01-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

My mortgage was purchased by Lakeview Loan, LLC. to be Serviced by XXXX XXXX, starting XXXX XX/XX/2022. I have made several attempts to pay my mortgage since this point, and have checked the account information several times for the bank account it is supposed to be drawn from. I have also been very careful to keep plenty money in my account to pay all of the months of my mortgage when they do finally come through. 

Not a single payment has processed in the 3 months that I have been stuck with these 2 companies, and despite several attempts to contact them to resolve the issue, nothing has come of it, and every time a payment is unsuccessful, I receive a new fee. I was never sent any paperwork agreeing to their fee system, which is different to the original loan 's fee system. I am also doing everything I can think to do in order to pay my mortgage. 

I don't believe that I should be responsible to pay extra money each month ontop of my mortgage because a company isn't taking money from the bank account they have on file. I was also under the impression, when I applied for a VA mortgage loan, that the VA loans were supposed to protect veterans from predatory companies, and predatory practices, such as those which seem to be used by XXXX XXXX, and accepted by Lakeview Loan , LLC. with their acceptance of XXXX XXXX as a servicer of their loans. 

XXXX XXXX already has multiple recent legal actions against them, including one from the Consumer Financial Protection Bureau. I don't know why or how these companies are still allowed to own mortgages at all, based on my experience, based on the complaints and reviews left on the XXXX XXXX XXXX XXXX website, and based in the multiple recent legal actions against XXXX XXXX, and I certainly don't understand why they are allowed to own or service VA loans.

All I want is to pay my mortgage every month without fear of defaulting on the loan, while I have more than enough money to pay the monthly payments of the loan. I fear that I have paid nearly a year 's worth of payments on my house, and made several renovations, increasing the value of my house, but that these companies are attempting to gain that property from me, through foreclosure, regardless of my several attempts to pay the monthly payments on my mortgage. There wasn't a single issue with payments on my house with the company they purchased my loan from, even during COVID, which affected all of us. I never made a single late payment prior to this point, and I've been trying my hardest to just get them to take the money I owe on the loan. 

Again, I have checked the account details they have on file to ensure they are correct. I have been constantly checking my bank account to make sure that I have enough money for the payments, now three months worth, will go through. I just want to pay my loan, like I had been before my loan was purchased and Serviced by these companies which I view as predatory.
Consumer complaint received 2023-02-07
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2021-02-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (MI)

I received a loan for XXXX $ XXXX did this at Check N Go but on line in the store. I have been paying them XXXX a month since the end of XXXX in 2020. So I have already paid back them XXXX they are telling me I still owe them XXXX. Come to find out they are charging me 175 % interest on this loan. I figure since they were taking XXXX a month I would be able to pay the loan off quickly. Yes I realize I should have read the fine print to see that interest rate was so high ( I only figured it would be no more than 30 % ). I called them they said they are within the legal limits? How can they get away with this? This is robbery! They are taking advantage of people who think they are in desperate situation. It is outrageous they can charge 175 %
Consumer complaint received 2023-02-07
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. (OH)

My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

To Wells Fargo Mediation Program, I am writing to express my grave dissatisfaction with the outcome of our recent mediation call on XX/XX/XXXX, facilitated by XXXX, regarding the criminal actions taken by Wells Fargo against me. 

During the mediation call between me, a Wells Fargo representative, and a third-party mediator, a non-binding resolution was to be reached for the unlawful enrollment committed against me into the Affinion Identity Theft Protection product. This crime was committed on XX/XX/XXXX, and only recently, in XX/XX/XXXX, was I made aware that I was enrolled in such a product. 

What is it going to take for Wells Fargo to STOP committing banking crimes against consumers? A federally regulated institution enrolled me into a product without my consent ; this is fraud to the highest degree! If it were I who enrolled the CEO of this institution into anything without their approval I would be thrown in prison and required to pay compensatory and punitive damages. 

The burden of proof doesnt rest upon me, proofing that Wells has engaged in a criminal conspiracy as the Consumer Financial Protection Bureau already determined they have per their XX/XX/XXXX findings. 

The compensation I have received thus far, totaling {$3300.00}, is absolutely inadequate and arbitrary. 

I am requesting additional compensation as I am rightly owed. 

A prompt response to this matter is due.
Consumer complaint received 2021-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

Navient calls my phone multiple times a day every day. If I block the number they then begin to call from another number calling everyday. I have been notified by my sister, mother and a guy I dated that they too have been contacted by Navient in regards to student loans. NONE of these ppl had anything to do with these loans. I am filing a complaint with EVERY agency I can find because these ppl WERE NOT authorized to illegally get phone numbers and call ppl associated with me violating my privacy. This business should be shut down due to its illegal tactics.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (FL)

I settled this account with XXXX XXXX XXXX XXXX. They said theyre going to repost account settled in full, remove balance, and delete the account from my report. Can someone correct this issue. The account has been settled
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a victim of Identity theft because XXXX XXXX data breach. It happened at XX/XX/2022, My cell phone number was swapped out by criminals to their device, they used my info. and phone number to withdraw money from my bank accounts and applied credit cards. 
I noticed those abnormal activities on XX/XX/2022 and called all financial institutes to block all the frauds. And also the criminals called USPS to forward my mails to their address which I found out weeks later. I had the police reports/ FITC reports/credit bureaus reports ready around XX/XX/2022. I called Capital one customer services at least XXXX time between XXXX about this fraud and all their agents assured me the fraud card has been cancelled and I should be no worries. After a month, my credit bureaus notify me that I am in debt with Capital one credit card. I started the long nightmares with Capital one disputes. They insist I should be responsible for the credit card fraud and reported to credit bureaus, my credit score went from XXXX to XXXX in XXXX months. And After over 100 hours calling and dealing with their customer service, they said I should be responsible for this fraud since the credit card opened under my home address and cell phone number. COME ON! It is an identity stolen, they forwarded my mail address and swapped my cell phone number out, how is that the evidence I should pay for? I need Capital one start investigation with me together, I have all the proves that the mailing address was forwarded and cell number swapped out. And withdraw the false credit reports right away.
Consumer complaint received 2017-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A. (NY)

Effective   XXXX    , my  Citibank Assist stu dent loan was transferred to  XXXX   XXXX . When I received my   XXXX   statement, my standard monthly payment had increased from {$17.00} with  Citibank to  {$50.00} with  XXXX . on  XX/XX/XXXX   , I inquired with  XXXX  as to why I was seeing such a significant increase in payment. On  X/XX/17   , I finally received an email response from  XXXX  at  XXXX  Customer Service advising me tha t Citibank has a {$ 50.00} payment minimum. At my prior servicer, they allowed payment to be decreased if I had other loans.  Citibank has  instructed  XXXX  to reimplement the {$50.00} minimum payment.     I do not recall receiving any notification regarding this change in business practice. In the past I had  two Citibank student loans, one of  which was sold to  XXXX  some years ago for servicing. I have always maintained payments under {$50.00} on both of these accounts. The  XXXX  loan is the higher payment loan and was not included in this change of servicer so I continue to maintain a {$33.00} payment with them. I feel this change is payment is forcing me to pay off my loa n 4-5x fa ster than the period of time I am allowed to make payment. I understand this practice will pay down principal and in the end I will pay less in interest, however this is a significant change to my payment that I now must budget for along with my federal student loans.     Can you advise if setting a minimum payment requirement such as this is allowed even if my calculated standard monthly payment was significantly less for the past 9 years?
Consumer complaint received 2023-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

I received a letter from Phoenix Financial Services about XXXX XXXX XXXX XXXX. They are asking for {$850.00} for " XXXX XXXX XXXX. '' I have responsibility paid all of my medical bills through XXXX or related labs by my physician and this " XXXX XXXX XXXX '' is fraudulent and incorrect. I've never used any sort of " XXXX XXXX XXXX '' I believe my identity was taken or that my information was sold.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

MY CHILD SUPPORT CASE SHOULD NOT BE ON MY CBR AS THERE IS NO PERMISSION FROM THE COURT TO PUBLISH THIS INFO ITS ALSO INACCURATE I WAS NEVER LATE IN XXXX AS I AHD FULL CUSTODY AND HAVE HAD IT SINCE XXXX AND ALL THOSE LATES SHOULD BE REMOVED IMMEDIATELY
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My wife received a credit card from Capital One without requesting it. She went through the steps to get the account closed. However, shortly thereafter, my credit report showed a " Hard Inquiry '' by Capital One Bank, XXXX dated XX/XX/2024. ( we did not discover this until well after that date ). A credit card arrived, which I immediately cut up. Due to our conflicting work schedules, it was difficult to make a call to Capital One to report the fraud and request that the account be closed as I never authorized it. This morning, XX/XX/XXXX, upon placing a call, Capital One 's automated system informed me that there is a {$19.00} charge for a " XXXX  XXXX XXXX account '' that the representative claimed was authorized using a special code by phone. This is something that I never would have done. I was very intentional about NOT activating the credit card when it arrived at our address. We have been very careful to keep our credit clean and opening accounts only for car payments and the like. Capital One recommended that we file a complaint through this entity and agreed to send my report to their fraud department. The greater concern at this time is that both my wife and I have had accounts opened without our knowledge, so there is a potential for identity theft. We take great pains to protect our personal identifying information, so this is our primary fear.