davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 ; SEC 602 states that I have the right to privacy. 15 USC 1681 SEC 604A SEC 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 as late for any purpose. 

This statement is in regards to the account below - Capital One Reported dates of XXXX, XXXX, XXXX & XXXX XXXX XXXX 
Status of the account shows " current, was past due 60 days. ''
Consumer complaint received 2022-02-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Complaint RE : Experian & XXXX 30 Day Investigation Period Expired Dear CFPB, I sent a letter to Experian & XXXX disputing two ( 2 ) accounts as erroneous on XX/XX/2022 and mailed them certified, return receipt requested. I received notice in the mail that Experian & XXXX received the dispute letter on XX/XX/2022. It is now XX/XX/2022 and I have not received a response from Experian nor XXXX. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), Experian & XXXX have 30 days ( about XXXX and a half weeks ) to investigate disputes. If Experian & XXXX can not verify the information within the 30-day time period, Experian & XXXX must delete all the disputed accounts from my report. 
Enclosed find a copy of the receipt showing when Experian & XXXX received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

Thanks in advance for your timely response to this complaint. 

Sincerely, XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continue its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of these documents herein and of its notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

- I submitted a request on XX/XX/14 for myself and for my wife. 
- My wife 's record was deleted that same week - During the week of XX/XX/14, the Creditor said they have deleted/ closed the account on their end and send weekly updates to the credit bureaus. 
- I have called TransUnion several times since XX/XX/14 to understand the specific state in-which my dispute is in ; so that I can better understand if it is in queue, being reviewed, etc. 
- TransUnion has repeatedly said only that is in-progress and shared the usual time it takes to resolve a case ( 30 days ).
Consumer complaint received 2022-02-28
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 (NY)

Capital One fraud department called today that someone applied for a Capital One credit card using my personal information, including my social security number. 
Application # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I was sent a XXXX payment yesterday ( XX/XX/27 ) in the amount of {$1000.00}. The sender 's checking account was debited and my receiving XXXX email address was entered correctly. I have still not received the funds in my Truist checking account or received any notification that the funds were received. 

It is impossible to reach anyone at Truist by phone, messaging app or email due to the botched merger that have left many customers in the lurch. A review of recent XXXX activity shows multiple customers not receiving XXXX payments starting one week ago.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

On XXXX, our home was struck by a large falling tree, significantly damaging our roof. Our insurance company assessed the damage and since the claim payout was in excess of {$10000.00}, it was required that the payment device be a 2-party check between us and the mortgage company. To those ends, in XXXX I preemptively called Freedom Mortgage ( Freedom Mortgage Corporation. XXXX ID # XXXX XXXX XXXX XXXX # XXXX, Broker License # XXXX ) to make sure I could provide all the required information to attempt to expedite the process so we can fix our home. I was told that their claims check process took up to 7 to 10 days. 
On XXXX, I endorsed and XXXX shipped the check at my own expense to Freedom Mortgage. Knowing that we were around the time I was given by the phone agent when I made that preemptive call, I called today XXXX, at approximately XXXX, to check the status of the endorsement. I was informed that while my documents were received on XXXX and uploaded on XXXX, no one had responded and/or started the endorsement process. I was then informed there was a review process that could take up to 5 additional days, only then could the check go to their endorsement process that would take an additional 7-10 days.

In summary, I was informed that just to receive an endorsement on the claims payout check from our independent insurance provider ( XXXX ) that Freedom Mortgage has no fiduciary stake in the payout, it could take a total of 24 days. This is 24 additional days from the insurance adjusting process, meaning that work can not begin ( as we can not front the money for these serious repairs ) from XXXX until potentially XXXX. Meanwhile, there is active leaking through the unrepaired roof and into the ceiling, causing further damage. 
To these ends, I am filing this complaint under 12 U.S. Code 5531, Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulation.
Consumer complaint received 2022-02-28
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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (FL)

I tried to resolve an issue with Hyundai XXXX about the incorrect late payments posted on 3 credit agencies I had a loan and I always paid on time - 0 late payment during Covid I called and applied for a forberance and I was told that my payment - during XXXX where not going to be reported as late. 
instead XXXX reported me late for 3 times I m now pulling a loan for a mortgage and those XXXX late payments are affecting my ability to get a good deal with the Lender XX/XX/2022 I received a letter from Hyundai with the verbiage '' the disputed information is accurate as reported " XX/XX/2022 after i re-disputed I have got the same letter XXXX XXXX after a 3rd dispute I have got the same letter they are not doing what they said- they are harming my credit after I was promised three times from them - i called 3 times for the forberance - that i could stay assured NO Late payment were going to be reported as late. 

In 6 year of the life of the loan not 1 late payment- this is on all the 3 agencies credit report what they are doing is wrong and unfair- they need to correct and keep up to their promise!! 

Thank you for reading so far. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (WA)

A credit card I owed on was charged off. 
Navy federal credit union waited for my tax refund to deposit and then took {$5000.00} dollars from my checking account ( all I had left to spend on a home for my children and I ). I did not consent to this. They offered me a settlement of half of my money back and told me this was the only option. Both representatives were rude and fully unprofessional. I was yelled at belittled and they further more looked into my recent transactions to determine whether or not they would reverse the money or let me set up a payment plan. Their names were XXXX and XXXX. Call was on a recorded line and can be looked up and reviewed/listened to. I was treated inhumanly.
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

On XXXX/XXXX/17 I spoke with several reps within the company in told me several different stories, I was desperate to get the report off my credit & ERC advised me in XXXX that I would have to pay to have it removed. I sent a letter requesting if I paid the debt I was n't admitting I owned the debt but that I wanted it removed quickly. When I called today I was advised the fraudulent charges would not be removed and that even if I made payment they would still report on my credit profile. I was then referred to the Office of Presidency and was told to request for my letter of deletion. I spoke with, XXXX XXXX - supervisor and Rep XXXX XXXX. When I called this department I was sent to a voicemail. I then called ERC back and spoke with XXXX washington - he advised me that the account was in fraud status and that they were not going to delete the account. When I asked him what the department of presidency did he placed me on hold without any notification and XXXX XXXX - supervisor said the account when into dispute in XXXX of 2017 and as of XXXX/XXXX/2017 the account was placed in fraud status and the department of presidency would be able to advise me when the account would be deleted. This company is reporting inaccurate information on my credit profile with out any real proof of me ever owing the debt.
Below I attached information sent, they do n't even have the correct information providing proof the debt is mine and accurate.
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Sigue Corp. (TN)

I used this company to send money to XXXX but when I sent the info to my relative so they could take the money out there wasnt any money. And now they said they were out of business but they would send me a check its been 2 months and i havent received the check yet. So now theyre are not returning my {$400.00} back. Nor did my relative receive the money. The company name is Sigue Corporation
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (TX)

During the first time applying for a mortgage with XXXX XXXX back in XXXX of 2022 a credit run was authorized by me to check my credit report. XXXX XXXX was the broker at the time that was processing the loan from XXXX XXXX. I was told by running the first inquiry will be affected but not afterwards, since it was applying for a home loan ( same company ). And, any inquiries there afterwards from XXXX XXXX  would not affect my credit report, ( it should only be soft pulls until loan approved and to close on the house ). How many times should a loan company pull your credit report as a hard inquiriy while in the midst of purchasing a home? I have over 8 hard inquiries on all 3 Credit Bureau from XXXX XXXX. I can understand 2 hard inquiries if was needed, which could be from first applying for the loan and when closing. This broker felt the need to continue to run a credit inquiry on me ( same company ). XXXX XXXX states because of previous dispute I had on my credit report, the disputes needed to be removed. But does getting your disputes removed is required by hard inquiries or to run hard inquiries? This has really affected me greatly with getting approved for credit. I have been denied for credit and credit line increased ( I wasn't before purchasinga home ) because of too many hard inquiries. And, this was right after I purchased a home in XXXX XXXXn which I started having difficulty with thr broker XXXX XXXX then ( excuses ). Also, my loan has been already been sold to another lender XXXX before my first house payment in XX/XX/2022. I asked for help from the broker himself, XXXX XXXX about the hard inquiries, but XXXX XXXX stated this is what needed to be done by him/company due to the disputes I had on my credit report ( to get removed ). I need this to be resolved. Also, I have called and reached out to all XXXX of the Credit Bureau asking for assistance with the hard inquiries and the reporting agencies states they are not able to remove thr hard inquiries and they will stay on my credit report for 2 years, which is harming me, my livelihood, especially after purchasing a newly built home.
Consumer complaint received 2023-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

XXXX XXXX credit card {$860.00} According to my credit report the account was opened XXXX of 2022. 
The collection company is MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Which seems like scammers because when I called to get more information about the card and charges they were trying to get more money and a monthly subscription of {$100.00}. They claimed they would resolve all my issues an boost by credit within 90 days. I declined and declined to call XXXX XXXX and filed a dispute and the advised me to file a report with your site. 
XXXX XXXX Thank you
Consumer complaint received 2022-02-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have been paying " XXXX XXXX XXXX  '' {$9.00} per month since 2019 under the assumption my loans were being serviced by Navient and ignoring XXXX as advised who I come to find is my actual servicer. I was told this was a forgiveness program when in actuality i was under a forbearance with nelnet and due to the pandemic did not actually have any payments thankfully. I want to assure I receive what I am entitled to through the Navient settlement and report the fraud. My account states XXXX XXXX XXXX  XXXX on my members 1st account. They do not respond. Thank you
Consumer complaint received 2023-02-22
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. (IL)

I filed several disputes notifying them that this debt is not mine and I have asked several times for the credit bureaus ( Experian ) to retrieve proof. All they come back to me with is a typed statement saying I owe the debt. They dont get proper validation.
Consumer complaint received 2022-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (TN)

I called to receive information about a debt. This debt is apparently from XXXX XXXX XXXX. XXXX account number XXXX. I never received a bill prior to receiving a collection notice. This bill/debt is not listed as an insurance claim. I do not know if this is a legitimate bill and why it doesn't show on my insurance. When I tried to call about this, the agent wasn't helpful. She indicated she couldn't tell me where the bill originated or provide me with a copy of the bill and/or any contact information. This is not right. I need to see this reflected on my insurance claims and a proper bill to feel comfortable paying this.
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I am hereby complaining about Zelle. Zelle is unprotected and slowly reacted to my case. On XX/XX/XXXX, I was a victim of a XXXX scam. In response to a XXXX XXXX ticket posting, I contacted XXXX XXXX at XXXX. He told me he represented XXXX XXXX and could get a good deal. He wanted me to send him my driver 's license and deposit {$180.00} for XXXX tickets. I sent him my driver 's license and Zelle 's {$180.00} to XXXX. Many hours went by, and no tickets ; I contacted XXXX and Zelle on XX/XX/XXXX. They acted too slowly, and the transaction went through on XX/XX/XXXX. No one seems to care. Scammers knew nothing would happen, and Zelle and XXXX were unprotective of their customers. 
I am asking CFPB to investigate my case and force Zelle to be more responsive and protect the consumers.
Consumer complaint received 2022-04-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation (VA)

I have complained about the amount of calls from Bridgecrest on a daily basis. They have called me 7 times a day for the past 2 weeks. It seems that my only choices with Bridgecrest are no contact or 7 calls in a day. This is EXCESSIVE. I do not understand how they are allowed to harass customers daily and multiple times a day. I agreed to allow communication with them but did NOT AGREE to harassment! I know I am late on my payment but that does NOT give them the right to call 7 times a day. Thankfully I have a spam blocker on my phone but I want the CFPB to stop them from harassing me. If they do it to me, they are doing this to others. Professional companies do not harass their customers, I dont care how late my payments are. They have no right to do this. I approve them calling me ONCE A DAY NOT 7 TIMES A DAY. Please hold Bridgecrest accountable for this harass of customers. Please look into who else they do this to. IT IS NOT ACCEPTABLE!!!
Consumer complaint received 2022-09-29
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. (GA)

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00}
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted all three credit bureaus ( transunion, XXXX, and XXXX ) to have my personal information corrected on numerous occasions. Yet this problem has not been solved. My name, address, date of birth, and employment history are all inaccurate. I also requested that the fraud alerts on all credit bureaus be removed serval times and it hasnt. This is a major issue being as though it has an old phone number on it which jeopardizes my credit profile.
Consumer complaint received 2023-02-22
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. (GA)

CFPB I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number XXXX and XXXX  Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

On XXXX XXXX, XXXX I sent a check by mail to pay for a service I received. On XXXX XXXX, XXXX the payee said he did not receive the check. By the next bank statement the check had been cleared by a bank and the check had been altered. It was signed on the back by an unknown person who also added his/her name to the front of the check. I then made a claim to Chase bank regarding the stolen check, and they promised to resolve the problem within 120 days at the most. It is now 7 months later and Chase has still not reimbursed by account. I have filed a police report number XXXX. I have reached out to Chase multiple times and I still have yet to hear a positive response.