davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Apply for Capital One quicksilver one for rebuilding credit. I was approved. Then waited to get card and all.Even a nice guy help threw the application thing. Then waited for card and never came. I wrote them and called them telling i was approved ands waiting on card.For $ XXXXlimit. Yet they said it was mistake.Person was rude
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Purchased a XXXX product online through a Capital One Visa card for XXXX, was charged XXXX and XXXX. ( for some reason, these charges show up on different days - XX/XX/XXXX and XXXX ) I called to dispute the XXXX as never being authorized, credit card issued refund then 2 months later charged it back again claiming they'd sent forms ( they did not send forms ) and that XXXX says the charges are legit so end of story. XXXX has shut down the software i purchased on top of this, so now i've been charged XXXX and XXXX, the XXXX was never authorized and i have no product for any of these payments. I have an XXXX credit score, i make {$200000.00} a year, i pay off this credit card balance every month in the range of $ 2000- {$5000.00} a month, i'm hardly likely to try to steal software from XXXX in the first place, and in the second they've both kept money they never should have taken on top of the {$69.00} that was authorized AND shut off the product.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

I noticed American Honda was reporting my wife and I 30 days late in XXXX. I verified with my bank that the car payment was made on time. I sent proof of the payments to American Honda but they ignored me and continue to report me 30-days late. I then notified the 3 credit bureaus of the error and also provided them the same proof. They also ignored my dispute.
Consumer complaint received 2019-09-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Santander Consumer USA Holdings Inc. (VA)

I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, North Carolina in about XXXX. It was financed through Santander Corporation. At the time of the loan and currently I live in XXXX, Virginia. I paid off the loan as agreed, maybe a few months early about XX/XX/XXXX. Santander sent me a letter stating that my lien was satisfied. When I carried this letter to the Virginia DMV in XXXX to get my title, I was informed that the car had a lien in Tennessee held by XXXX XXXX so Virginia could not issue a title. XXXX XXXX is now XXXX XXXX and an office employee there says they don't have XXXX XXXX XXXX. I now have a car that I paid for last XXXX and I have no title for it. I have written letters to Santander, Virginia DMV, XXXX XXXX and XXXX XXXX with no luck in getting my title. I have been on the phone for hours with Santander, Virginia DMV and XXXX XXXX also with no success in getting a title. 

Title # XXXX VIN # XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It has come to my attention that XXXX XXXX  are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Accurately I am ask the credit bureaus to report and correct the problem however they have not been able to number one send me a fresh reported the method of verification on how they investigated the accounts these accounts are reporting accuratelyBasicallyThe date of last activity in the amounts don't match my records need these accounts investigated or deleted from my credit report I am asking that you XXXX proof that these accounts were not investigated properly thank you.
Consumer complaint received 2019-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

Recently my mortgage was transferred from XXXX to Carrington Mortgage Services. Carrington did a escrow analysis dated XX/XX/19 which showed a shortage of {$710.00}. My property taxed and homeowners insurance did not change. My property taxed are paid in XXXX and XXXX. Before the loan was transferred XXXX paid the XXXX property taxes. The escrow analysis by Carrington shows them paying the taxes in XXXX and XXXX. I do not understand how they can pay the taxes in XXXX when the tax bill does not come out until XXXX. I believe that by showing an additional tax payment being made in XXXX that is causing my shortage. My monthly payment is going up $ {$59.00}. I do not understand why it is going up so much if nothing changed. After spending hours on the phone with Carrington they did agree to redo my analysis. I have little faith in them. I confirmed with the county treasurer when the tax bills are due. Carrington told me they send the payment in XXXX so it gets there on time. I find it hard to believe that in this electronic age it takes 2 months to get the payment sent. They do not seem very competent. They also told me that the county would refund me if there was an overpayment, which the treasurer said is not standard procedure
Consumer complaint received 2019-05-06
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. (NC)

On XX/XX/XXXX, I submitted an online payment to Navient to pay off in full the remainder of my student loans. The same day, I also cancelled auto-pay because I was afraid that Navient would continue to process the auto-pay, even though the loan was paid off. 

On XX/XX/XXXX, the payment in full was removed from my bank account AND the auto-pay was also removed. The in-full payment was on the Navient site listed as " processing '' but the auto-pay was not listed at all. I called and spoke with Navient and they told me that the auto-pay would *probably* post in a couple of days, but that a refund would be 3-4 weeks. They further said that auto-pay often takes 5 days to cancel, but no where on the website did it give me any such warning at all. 

I paid it off in full, INTENTIONALLY cancelled auto-pay, and they STILL charged me and won't return my money for 3-4 weeks. Money that they STOLE.
Consumer complaint received 2023-04-06
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. (MS)

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 XXXX XXXX XXXX Amount {$3300.00} This account is incorrectly reporting a running balance which is negatively affecting my credit usage. This account is wrong and needs to be deleted off my report. 
XXXX XXXX XXXX This account was paid for and never charged off but is reporting as charge off. This is false. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX credit card accounts reporting false and incorrect late payments XXXX XXXX XXXX XXXXXXXX Incorrect Charge off this was a paid account and i even reopened a new account with them. This is all reporting falsely. 
XXXX XXXX XXXX No account numbers listed, this account is negatively reporting incorrect information and has been removed by all other reporting agencies but this one. 
XXXX XXXX False information and false reporting XXXX XXXX XXXX False reporting. This is reporting repossessions and late payments on this vehicle. This vehicle is 100 % paid off and in my possession. 
XXXX XXXX XXXX Incorrectly and falsely reporting late payments creating negative marks on my report. 
XXXX XXXX XXXX negatively and falsely reporting twice on my credit report. this is a against the law XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate XXXX XXXX XXXX Reporting False Late Payments Peoples Bank XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate Also they are incorrectly reporting my name. My only known name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (CO)

I was first contacted by this Company Aldous & Associates about a debt to XXXX XXXX XXXX which has already been disputed and found fraudulent by my bank as the membership had been cancelled, they confirmed, and they had continued to withdraw fund from my bank, XXXX XXXX XXXX XXXX. The collection agency contacted me repeatedly, I told them to only contact me via writing, and not to phone again. I sent them all the back up documentation and disputed the debt on XX/XX/XXXXby Certified Mail. Today, XX/XX/XXXX, they contacted me repeatedly calling over and over again, six times in less than XXXX XXXX. They sent me a letter with the contract ( which was never disputed ), and I had provided evidence of cancellation and communication with XXXX, showing i did not owe the debt. I also sent them a 2nd dispute letter, and again attached all backup documentation. They continue to call, and repeatedly each time. I have informed them that they can not call over and over and that they are harassing me, and they couldn't care less.
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cascade Capital, LLC (TN)

Truthfully, I wasnt sure which box to check because this company has stooped to almost every single one of them.

1 ) They have communicated after my asking them to stop via verified letter.

2 ) They have made false statements and misrepresented themselves 3 ) They sent a letter to my parents address thus improperly sharing my information 4 ) They have attempted to collect a debt not owed as I have no record of this bill and they said that they had closed the account due to an inability to verify it I submitted a complaint against XXXX for the same matter earlier this week. While their response was satisfactory, it is clear that it was not true as I continue to be contacted by XXXX Collections for the same alleged debt that XXXX attempted to collect and then subsequently discharged according to their response to CFPB complaint number XXXX. 

XXXX initially mailed a statement to my parent 's address in XX/XX/XXXX. When asked, the representative at XXXX said that they mailed a letter on the same date as XXXX despite me having no record of a second separate letter. Upon hearing this, I realized that XXXX and XXXX must be part of the same group and that he was talking about the same letter, but your representative assured me that that is not the case and that he has never heard of XXXX. When pressed further, your representative said that the debt no longer belonged to the original medical group he had initially said that it did and that Cascade Capital Funding LLC was the new owner of the debt. On XX/XX/XXXX, I called Cascade myself and asked the representative what their relationship to XXXX and XXXX was. She candidly said " Oh- that's us! We're all the same! '' Knowing this, it is clear that Cascade Capital, XXXX, and XXXX are all engaging in deceitful and fraudulent collections practices. XXXX assured me that the debt had been written off as of XX/XX/XXXX and that they would no longer contact me in large part because they could not produce sufficient proof to verify the debt, but it is clear that XXXXCascade CapitalXXXX have resumed their contact albeit under a different name and that they have escalated to lying about their practices. Should these deceitful tactics continue, I will have no choice but to escalate the issue further.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Global lending services is reporting to my TransUnion report that is inaccurate. This is not reporting to my XXXX, which would be in violation of my rights as a consumer to have an accurate credit report.
Consumer complaint received 2022-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Disputed the inquires Capital One made as i never applied for any auto loan with them. I filed a FTC report and faxed it to them and they haven't remove the inquiries like they said in my last complaint. 

Previous Case Reference Number : XXXX CFPB File Number : XXXX
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

This started at the end of XX/XX/XXXX when a supplemental tax bill was due and separately, when I spoke with one of their representatives regarding a refinance loan. First, I was under the impression that the mortgage company would pay that, but was not sure, so I sent a message through their website asking for clarification on whether that was the case or if I had to pay it. I sent this on XX/XX/XXXX hoping for a reply in the next couple of days since the bill was due on XX/XX/XXXX but I did not get a reply until XXXX. Since I did not hear from them by XX/XX/XXXX, I went ahead and paid the bill, only to find out on XXXX that they had supposedly sent a payment. Additionally, they informed me that because they paid this supplemental bill, the escrow portion of our monthly payment would have to go up to make up the deficit ( since there is a minimum amount of money required to be kept in the escrow account ). However, to this date, the county tax office still does not have any record of any payment sent by the mortgage company and as such I have requested that our payment go back to what it was previously. They have failed to respond to multiple messages I have sent with this request or asking what is going on with the payment at the county tax office has not received anything. Until yesterday, they had done nothing but simply said they would start looking into it. Then today I discovered that they sent another tax payment for a portion of the supplemental bills ( XXXX installments ), but not sure why that was sent prior to resolving the issue with the XX/XX/XXXX payment, which already included this. 
Secondly, we were considering refinancing our mortgage and made a call to them in XXXX to see what they could offer. The representative on the phone went through a series of questions and gave me some preliminary numbers. He asked if he could proceed with all of the info I had provided and do a soft inquiry on our credit report, and I said that as long as it was a soft inquiry, that would be ok. A few days later, we received a new loan document package for a loan application that was open on our behalf and noticed that a hard inquiry had been placed. I never authorized this, but they pointed the finger at the credit bureaus and the bureaus pointed the finger back at the mortgage company with no resolution.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (VA)

Someone created an online banking account in my name with my information .The Bank they used was Wells Fargo they have taken my whole identiy and used an number that is not mines and a email address that is not connected with me. I have contacted the bank Wells Fargo and no results they are unwilling to close the account because they say " I have to verify the email address and phone number. '' I went to a local branch and requested to speak with a branch manager and no results either this happened in the beginging of XXXX as much as I can recall I recieved bank statements with the person who is pretending to be me where they do online bank transfers. I am a victim of identity theft please help.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (TX)

Equifax, XXXX and XXXX is showing Negative accounts that not listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and XXXX, Equifax has violated my rights. 
15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I am filing this complaint because Transunion is reporting an incorrect status, the account that appears in my credit must be deleted immediately, since this information is not correct. It is an account that according to XXXX XXXX  agreement would be removed from my credit. I attached evidence and according to the law it must be removed in a period of no more than 30 days. Thank you very much and I hope that the company fixes this serious error as soon as possible.
Consumer complaint received 2022-03-31
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. (OH)

In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX 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 2019-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MA)

In late XXXX, I received multiple phone calls from XXXX XXXX XXXX regarding overdue debt. On multiple occasions, I told XXXX that the person they are trying to reach is not me. I filed a complaint with CFPB ( XXXX ) due to the repeated phone calls I received. In XX/XX/XXXX, I received a letter at my home address from XXXX XXXX XXXX regarding overdue debt. This company continues to harass me despite being told multiple times and a formal complain CFPB complaint being filed.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I sent Experian a dispute through the mail and they have failed to investigate/reinvestigate my dispute. I have attached the documents to be corrected/investigated. In addition to the attached documents I have also noticed that the payment history for XXXX XXXX is being reported differently across the 3 bureaus. According to XXXX I understand that their reporting the same information to all 3 bureaus so what Experian is reporting can not be accurate and free from error. In addition Experian is not providing the number or name of contact at XXXX and is in violation of FCRA.
Consumer complaint received 2019-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

In late XXXX, I received multiple phone calls from Midland Credit Management regarding overdue debt. On multiple occasions, I told Midland that the person they are trying to reach is not me. I filed a complaint with CFPB ( XXXX ) due to the repeated phone calls I received. In XX/XX/XXXX, I received a letter at my home address from Midland Credit Management regarding overdue debt. This company continues to harass me despite being told multiple times and a formal complain CFPB complaint being filed.
Consumer complaint received 2019-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I XXXX  and do XXXX XXXX and XXXX for an XXXX XXXX XXXX for a startup founders they arranged to pay me by XXXX transfers from all of partners, after 20 days one of the members just got claim for unauthorized transaction and claim my money back without make arrangements with their former partners
Consumer complaint received 2019-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

Paypal has been holding a total of {$110.00} in my account on reserve since XXXX of 2017. 

They will not release my money. 

They made unreasonable requests for me to submit " business documents '' to them to get my money released. I explained that I am not operating a business. 

At one point they indicated that they had set a minimum reserve on my account for over {>= $1,000,000} USD which is absurd and unreasonable. 

I attempted to close my account and they declined my request. 

There is no reason at all for my money to be held XXXX by this company for nearly 24 months without any valid explanation whatsoever.