davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

In their effort to collect a credit card debt Capitol One has in my opinion made several violations of the FDCPA ( Fair Debt Collections Practices Act ) They, ( Capitol One ) has violated FDCPA, 15 UFC 1692 g & e specifically with regard to subsection ( 2 ) regarding communication about a debt. " communicating with a consumer generally subsection, '' without prior consent of the consumer given directly '' to the debt collector or express permission by the court of competent jurisdiction communication with a consumer in connection of ANY date unless the attorney consents to direct communication ( as Capitol One had previously done in a letter dated XX/XX/2021 is barred is barred pursuant to FDCPA. 

They have engaged in " The false representation and implication that '' ( I ) " a consumer committed a crime or other conduct in order to disgrace the consumer '' in that a summons previously received on or about XXXX.They subsequently had hand delivered delivered via Sheriff 's department on XX/XX/2021. Misrepresenting or falsely implying that a that a crime or other conduct had been committed.This vioklates FDCPA 15 USC 1692e Sec,807. 

Actual damages include humiliation and XXXX XXXX.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

I made another attempt at paying my XXXX XXXX XXXX bill over the weekend bill last weekend, using 2 additional phone numbers ( my previous he land line no. ( XXXX ) and a new line from XXXX voice ( XXXX ). 
In addition to my current number of XXXX. 
TB Bank no. which was given to XXXX in their letter, does not RECOGNIZE any of these numbers. Once again, I was not able to make a payment.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

THESE ACCOUNTS IS NOT MINEEEEE. 

XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-24
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX I sent a letter to Citi Bank ( XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Citi Bank to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX as of XX/XX/XXXX.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CO)

account continues to become compromised beginning in 2015 after attempted wire transfer from this credit card to a NY address. Bank transferred my account to Barclay. have had several problems of not being able to use card, have been told by customer service I am not making payments on my statements. While I have paid all accounts owned for credit cards in full every month. When asked to speak with fraud dept they stated there is no one to speak with, I just need to make more payments. Have had charges of $ XXXX {$3.00} charged to card, that I did not make, reported to card company, and reissued new card. When I logged on to account, it will state I have new cards to activate, yet I had not requested any and have the card in my possession. To date account problems unresolved and no investigations initiated.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-02
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Goal Structured Solutions, LLC (FL)

I have been having difficulty in paying these private loans since XXXX XXXX XXXX XXXX XXXX withheld my XXXX XXXX because I was completely tapped out of both federal aid and private loan money. My federal loans are now in forbearance because of this scam for-profit school and now these scheming private loan lenders do not understand that I can not pay - because those loans were based on predatory lending practices.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (MD)

So Workmens Comp. case they will settle in XXXX and the debt hit my account in XXXX {$410.00} which was settle in my settlement the all medical collector bill was pay by XXXX XXXX   from their doctor that they referred me to. XXXX   XXXX is refused to pay the debt collection and claiming that they sent the check in but its been over a year now Im in fighting  with XXXX XXXX  of sending information about the collection
Consumer complaint received 2022-05-20
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. (NY)

In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX/XXXX  ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Disputed 'late payment ' reported to credit bureaus by Kohls Credit . Kohls Credit removed the 'late payment ' entries for XXXX and XXXX XXXX However, they refuse to remove the incorrect information from XXXX. I have attempted twice to get this resolved through Kohls Credit providing documentation and copies of my credit reports from XXXX and XXXX showing Kohls Credit 's corrections. Their only response was a denial in a standard form letter and they refuse to answer a pointed question put to them : 'Why did they remove the incorrect entries from only two out of the three credit bureaus and not all of them? '
Consumer complaint received 2021-11-15
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. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I was very unhappy with how the CFPB handeled my last complaint. 
XXXX I dont feel anyone did anythingXXXX XXXX XXXX XXXX XXXX. 
FEd loans is taking this COVID Public service waiver and playing XXXX again , just as they did for the past XXXX  years torturing borroweres. 
I just got their assessment of my eligibility. 
They stiil creat GAPS in my XXXX XXXXXXXX XXXX XXXX XXXX, since I changed jobs in middle after getting a promotion. I sent them ALL the XXXX XXXX  forms for XXXX yerars, and they still want to crush me. 
In addtion they just keep nitpicking. 
I cant wait to see them bankrupted. 
I am attaching my latest email that came last nihgt. 
My biggest fear is XXXX will come, and the window will close, they take XXXX  months to return a call or email same as they have done for XXXX years. 
I sent them all my XXXX XXXX forms as they asked, to show no gap in service, as you cna see they creat gaps, they just do this for fun I think. 
Pleas help this time, not like last time. 
XXXX
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC (GA)

{$1500.00} was pulled from my account on XXXX early in the morning and transferred through several platforms. XXXX XXXX  has allowed the transaction when it was done without my authorization on a XXXX that is not connected to my legal name. BankMobile has denied my request which I know is incorrect.
Consumer complaint received 2019-11-22
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Social Finance, Inc. (NE)

On approximately XX/XX/XXXX my wife and myself pre-qualified for student loan refinancing through Sofi. After entering in all of the qualifying questions and criteria we were presented a rate of approximately 2 percent and told that this rate would be held for 30 days, pending a complete application. On XX/XX/2019, I logged on to finish the application by uploading various co-signer documents. Once these documents were uploaded, we were then offered a rate of 4.19 percent, over doubling the amount offered during pre-qualification. On XX/XX/2019, I called the Sofi student loan department to see what the cause of this large increase was and I was told that it was due to " income verification '' ; however, the income stated during qualification did not change when I uploaded the verifying documents. In addition, we did not have any additional debt that would cause our DTI ratio to increase. This practice seems deceptive as they make you go through the whole process before describing your actual rate, which is significantly higher than the rate they initially disclose. In addition, the representative made it seem like our age played a factor in the decision to increase the wage.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I do not consent to e-oscar verification. I am writing today because I have tried to contacted the agencies that " assumed '' a vital role in accurately reporting consumer information multiple times over the last sixty days and have received no response. BK of AMERICA is in violation of XXXX XXXX XXXX as they have failed to validate the account they and XXXX, XXXX and XXXX are reporting while defaming my character. FDCPA XXXX misleading false reporting. Reporting these false things is very misleading.18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. FDCPA 8012 furnishing deceptive forms : you furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also you reported that I owe a debt, but nowhere on my credit report do I see a negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By telling me I owe a debt, but reporting positive balance to my credit report is very deceptive.
Consumer complaint received 2022-05-20
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. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (PA)

Complaint : The collection company failed to communicate this debt to me either by mail or phone call. I have NOT RECEIVED any documentation from this collection company regarding this debt. The company went forward with placing this debt on all 3 credit reports. I have disputed this information because I've been a victim of identity theft and have placed fraud alerts on my credit reports. 

Collection company information as it appears on XXXX credit report : CONSUMER ADJ CO Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX Account : XXXX Amount Owed : {$920.00} Date Opened?? : XX/XX/2021 ( I'm assuming this is the date it appeared on the credit report ) I have filed disputes with all 3 credit reports. XXXX responded first stating the debt remains on my report. However, I do not owe Consumer ADJ Co. this debt because I have not received any communication from this collection company about this debt. 

File # from XXXXXXXX XXXX investigation : Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by XXXX Consumer Relations
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (IL)

I HAVE APPLIED FOR A MODIFICATION AND SUBMITTED ALL DOCUMENTS THAT WERE BEING REQUESTED BY MY SERVICER PNC BANK. I WAS INFORMED BY PNC BANK THAT MY FILE WAS DEEMED COMPLETE WITH ALL REQUIRED DOCUMENTS ON XXXX/XXXX/17 WHICH IT WENT TO THE UNDERWRITING DEPARTMENT ON THAT DAY WHICH THEN I WAS TOLD THAT THE UNDERWRITING DEPARTMENT TAKES UP TO 30 DAYS FOR A DECISION. I HAVE BEEN CALLING ON A WEEKLY BASIS TO SEE IF THEN NEED ANY UPDATED DOCUMENTS DURING THAT TIME AND TO SEE IF A DECISION HAS BEEN RENDERED, ALL I GET TOLD WHEN I ASK WHY IT IS TAKING SO LONG IS ATTITUDE FROM ALL REPRESENTATIVES AS IF I AM BOTHER THEM AND THAT THEY ARE WAITING ON MY INVESTOR TO RESPOND IN REGARDS TO THE MODIFICATION REQUEST. MY LAST CALL TO THEM ON XXXX/XXXX/17 I WAS INFORMED THAT MY REVIEW HAS BEEN CLOSED OUT ON XXXX/XXXX/17 DUE TO THE INVESTOR OF MY LOAN DID NOT RESPOND TO PNC BANK REQUEST AND IT WAS TAKING TO LONG SO THEY ARE JUST GOING TO CLOSE OUT THE FILE. THIS IS ABSURD!!! HOW IS IT MY FAULT THAT THE SERVICER AND MY INVESTOR DOESNT KNOW HOW TO COMMUNICATE? 

I NEED HELP TO SAVE MY HOME AND IT CANT BE LEGAL FOR ME TO BE HELD RESPONSIBLE FOR THE INVESTOR AND SERVICER NOT COMMUNICATING!!
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I noticed that you all are reporting this bankruptcy on my credit report that XXXX not aware of and it is inaccurate. Please notify me what is federal court and what is us bankruptcy court. I researched on XXXX and couldnt find either with my name attached. Please delete this erroneous bankruptcy off my credit report. 


I sent letter to XXXX and XXXX and received a stall letter stating that the letter came from someone I was working with.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have tried to get my credit report from all of the credit reporting agencies. None will accept the information I am giving. I did contact Transunion, who said they had me as deceased, this was supposed to hve been corrected 2 months ago. Yet I still can not log in and get my free credit report on line, it said to call for my free credit report, I did and after answering the questions they sent me an e-mail asking for a credit card? why if its free?
Consumer complaint received 2021-11-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This has been an ongoing dispute with Capital One bank since XX/XX/XXXX. 
After noticing a {$3500.00} withdrawal from my account and notifying Capital One of this fraudulent transaction, I received a letter dated XX/XX/XXXX stating that this was a valid transaction and that my claim was being denied. ( I closed the account on XX/XX/XXXX. ) The letter also gave a number to call to " request any documentation we used to make this decision ''. After numerous attempts to get through on this number and 45 minutes on hold finally got to speak to a person. My request at this time was to be sent all documents used to determine their decision which " denied the claim of fraud ''. 
After 23 minutes on the phone and supplying all requested information i.e. account number, personal info and claim number was told this information would be mailed to my home address. After one month had passed and I still had not received requested documents I enlisted the help of my niece who was able to find an e-mail address for complaints and sent another request for documents through this Capital One complaints email address. Finally received by mail another " denial of claim '' letter dated XXXX XXXX which included a list of transactions from someone's bank account showing how my money was moved into their account. However, it did not include the most important information which should be the only reason to deny my claim and that is the " signed authorization '' indicating that I gave permission for someone else to use my account. This obviously does not exist. 
After numerous other calls, emails and faxed correspondence I was sent an affidavit to sign stating that I never gave anyone permission to access my account. Signed and faxed this form the same day and called to confirm and was told that it was in fact received. It has been three weeks since I sent this document and I still have not had a response. 
All information, including account statements, previously sent and received correspondence, etc can be provided on request. Please note that I am a XXXX XXXX XXXX man in poor health and do not need this ongoing stress. I am hoping you can assist in getting my money back from Capital One bank. Also of note I made many personal visits to numerous Capital One branches over these past few months and was unable to get help from anyone. Thank you in advance for your assistance.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I noticed that you all are reporting this bankruptcy on my credit report that Im not aware of and it is inaccurate. Please notify me what is federal court and what is us bankruptcy court. I researched on XXXX and couldnt find either with my name attached. Please delete this erroneous bankruptcy off my credit report. 


I sent letter to XXXX and Equifax and received a stall letter stating that the letter came from someone I was working with.
Consumer complaint received 2015-07-23
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: PNC Bank N.A. (NC)

PNC Mortgage was notified of representation of the borrower on XXXX XXXX. Communication was sent to the Negotiator, XXXX XXXX, of the short sale to cease all communication with everyone except for the attorney. Negotiator continued to send communication to the borrowers and to the borrowers ' realtor. I called in XXXX and was told we would not have a counter until XXXX. A fax was purposely sent only to the realtor as to avoid communicating with the attorney.
Consumer complaint received 2022-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

On XX/XX/22, I was defrauded of {$500.00} in a phone scam through Zelle transfers from two bank accounts. One was XXXX checking, the other was XXXX XXXX. The caller pretended to be my utility and demanded emergency payment in order to avoid electric shutoff. Since I authorized the Zelle transfer, it was not covered by insurance. XXXX investigated, and told me that the receiving bank account was at XXXX XXXX XXXX. XXXX XXXX refused to investigate at all, which is habitually poor customer service, but not the subject of this complaint. 

Zelle and XXXX  XXXX XXXX provided the platform for a phone scam that cost my family {$500.00} -- that's one week 's salary -- and there is no way to recover the funds.The scam relies on Zelle 's speed of transfer, and XXXX  XXXX XXXX 's lack of responsibility for how its accounts are used. Both Zelle and XXXX  XXXX XXXX are aware that this scam is rampant and costing their customers dearly. 

Zelle and any banks receiving Zelle funds must be accountable for the fraud committed using their services : they must be required to reimburse funds stolen using their services.