davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (NC)

I went to do a withdrawal at local branch of BB & T on XXXX XXXX in XXXX, NC on Friday afternoon XX/XX/2018 XXXX for {$2400.00} and asked XXXX XXXX ( XXXX ) her to round up to XXXX. She then gave me a slip for XXXX which I signed and told her it was not correct, round up to XXXX so she did another withdrawal slip for me to sign. I asked for 2 separate envelopes, place XXXX in one and the balance in the other. I did not count the money as I left due to having a bad headache and went directly home where I live with my 2 sons and went to bed with my purse on the chair in my bedroom. Upon awakening, I called the boys into my room to talk and reminded them a person was coming for $ that I owed and removed the envelopes from my purse. I gave each XXXX of them an envelope to count. The first envelope of XXXX consisted of XXXX {$100.00} dollar bills. The other envelope had all XXXX, a XXXX and a XXXX and the amount was only XXXX. The bank shorted me {$1000.00}. I got dressed and took my XXXX year old son to the bank at XXXX. I explained what happened to the manager, XXXX XXXX, who eventually reconciled the draw and I was told nothing was amiss. I expressed my concern and need for further answers as the money never left my purse or envelope and I had gone directly home. She told me I would unfortunately not get an answer as the hurricane was coming to NC and compliance officer was unavailable until the next Monday and gave me her card. I called Monday by XXXX and left her a VM. I then went into the branch shortly after XXXX the same day to inquire and was told someone was likely coming the next day after XXXX to audit. I received a VM from the manager Tuesday stating she was calling but no further info. I called back and left another VM at XXXX. she called Wednesday around XXXX telling me her drawer was counted 3 times, no discrepancy and was given a phone number to call that was the XXXX complaint line. I called and it said the number was not valid. I called the manager again and was given a different number which I proceeded to call at XXXX and was on hold ~18 minutes from my cell phone. I called the manager after 16 minutes from a land line with my cell phone on speaker. While she was listening, the call went from recordings to a busy signal and the call was disconnected. The manager assured me she had spoken to someone and that she would try to send an email and call them back for me. To date at XXXX on XX/XX/18, I have not received any correspondence from BB & T regarding this matter.
Consumer complaint received 2024-03-26
Product: Credit 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: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX I purchased a treadmill from XXXX XXXX XXXX. I did not receive any shipping information and never received the item. Ireached out to the vendor to inquire on the status of the item and received no response. I fi led a fraudulent charge claim with ChaseBank. On XX/XX/XXXX I received notice that Chase Bank declined the claim. I called Chase to inquire as to why. They state theyreceived information from the vendor saying the product was shipped- they have no proof of shipment or delivery. I faxed additionalproof to Chase Bank on XX/XX/XXXX showing the vendor provided no shipping information, and was not responding to my claim. ChaseBank failed to reopen the claim until XX/XX/XXXX, despite me calling to check on it several times a week. They state what I sent over didnot prove anything, and declined the claim again. They are refusing to provide me with the documentation of what the vendorprovided, and the contact they've had with the vendor.
Consumer complaint received 2023-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

This company is trying to collect for the insurance company USAA. I sold a vehicle and 6 months later the new owner was involved in a XXXX XXXX XXXX XXXX XXXX shows the date of sale with the new owner 's name and address. Apparently he was uninsured so they are trying to get {$10000.00} from me. I previously settled this matter with USAA and they called off the previous collection agency because I proved I no longer owned the vehicle at the time of the incident. Nor was I the driver of the vehicle. How do I stop this endless cycle of USAA trying to collect a debt I don't have anything to do with? The current collection agency is XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC. (MD)

I originally had my own apartment at XXXX XXXX in XXXX, FLXXXX, and I was required to put a Security Deposit for my first year there in XXXX. I then upgraded to a three bedroom in XXXX, and got a roommate. My Security Deposit was moved to the new apartment account, and no additional funds were required. I found myself and my son in harms way about 9 months into the shared apartment. I notified the Office about my concerns, and I let them know that I was not going to renew my lease with them. I was forced to move out early, because the Office was not going to step up to help my son and I in the unsafe roommate situation. The Office had my parents address for any correspondence that was related to my not renewing my lease and Deposit return. It wasnt until 4 months later that I found out that the Office had placed my account in collections and kept all of my Deposit money. I never received anything by mail in reference to how much and why my Security Deposit was retained in full. This is not a debt I owe, and I deserve my Security Deposit back. It needs to be removed from my Credit Reports as well. Thank you in advance for your assistance with my request!
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC (FL)

I received a letter in the mail on XX/XX/18 from Maury Cobb Attorney at Law LLC attempting to collect a debt for XXXX. When I checked Florida Office of Financial Regulation ; I discovered that the company does not a license to act as collection agency in the state of Florida ; which is my state if residence.
Consumer complaint received 2019-10-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have filed and been discharged from a chapter XXXX bankruptcy. I was also a victim of identity theft a couple years back, I submitted all information to ALL 3 BUREAUS TO HAVE MY information fixed. No one has fixed the information. I now have 85 INQUIRIES on my credit report which were unauthorized. Please help.
Consumer complaint received 2019-10-03
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. (CA)

Victim of identity theft U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC (VA)

Miramed Revenue Group indicated that it was suspending collection activity, however, I am attaching the information for their review as it pertains to their client and how many other claims are to be processed with the insurance and their client ( s )  have already been informed that all is due is a copayment and that copayment may have already been paid. In addition to these expenses, there are corresponding laboratory expenses that have not been billed properly through insurance. XXXX   XXXX 's XXXX has also been paid the full balance of {$540.00} or is pending receipt. I have attached the most recent receipt with all prior money order ( s ) numbers. All medical expenses were covered by insurance and none were elective treatment ( s ) but were medically necessary. XXXX will also be notified.
Consumer complaint received 2019-10-03
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (TX)

This complaint is filed to express my disappointment in the way Comenity Capital Bank handled a good will attempt from me as the customer to resolve a missed / late payment that occurred in XX/XX/2019. I had the unfortunate experience of having my wallet stolen in XX/XX/2019 there within my identification, bank cards, credit cards and my bank account numbers were stored. As a result, I had to freeze my bank accounts and cancel the credit cards in preventative steps to avoid further incident. My monthly reoccurring Zales XXXX account payment was tied to my bank account and was automatically withdrawn on due date every month. During this distressful period of trying to monitor my accounts against fraudulent activity after the theft, closing credit cards and having them reissued I also had to switch the bank account I had on file setup for automatic withdrawal with respect to the Zales credit account. Therefore, a couple of payments to creditors were late that which included Comentity Capital Bank. Once the oversight was detected I immediately corrected the deficiency and made the payments that were unintentionally missed to the creditor. Regardless, Comenity Capital Bank has reported a 30-day late payment to the bureaus that I discovered later and my credit scores have been significantly impacted as a result. My credit history with Comenity Capital Bank was in excellent standing prior to this incident. I explained details of my situation in good will and faith to Comenity Capital Bank and to my astonishment no help was extended by Comenity Capital Bank even as a one-time courtesy, given the extenuating circumstances, to reverse the adverse reporting made to the bureaus. I was extremely disappointed at their refusal to reconsider my request given the circumstances.
Consumer complaint received 2019-04-10
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: National Credit Systems,Inc. (TX)

National Credit Systems Inc, has filed ( 2 ) unverified and inaccurate collections on my credit report. NCS DOES NOT have the LEGAL authority to collect on any debt in my name or social security number. They are not following the CFPB statutes.
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One bank made a judgment to garnish my wages! I had this dept back in XX/XX/XXXX and not only that the judgement is saying that I am making {$600.00} a week which is false I make not even half that a week. It has been over 7 years so that statute of limitations has passed. I should not have to pay this. I have not made one payment to satisfy this dept for almost 10 years. This judgement was first made XX/XX/XXXX and it is XX/XX/XXXX. The lawyers for Capitol one are XXXX and XXXX XXXX and their number is XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (MD)

I took out a loan for a vehicle in XX/XX/XXXX, never missing a payment. PNC has strange rules about online account access, requiring a fee based checking account - so i set up automatic payments. InXX/XX/XXXX i received a 'final statement ' and was told i would have one more payment and would be done. That final payment was not for the notified amount. Instead they took less, and immediately sent me a late notice and began calling me 3x per day. Then collection calls started. To end this, i paid the remaining amount. A few weeks later, i received a check, and was told i had overpaid. Then i received a closed account letter and my title. OnXX/XX/XXXX,  PNC took yet another payment. I have been unable to find a human to help me. my case was 'elevated ' to 'executive level ' but the person i'm to call is never at work.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I opened my account with Capital One in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my Capital One account had been closed. I immediately called Capital One attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but Capital One is denying to accept the payment even before the actual billing cycle ends.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Per the FCRA as a federally protected consumer. I am now opting out any and all authorization. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802 I have recently received a copy of my consumer reports and noticed that your company has disclosed nonpublic personal information to multiple nonaffiliated third parties such as the CRA 's. You have furnished my personal account information Account name CITIZENS ONE Account number XXXX to the consumer reporting agencies without considering disclosing to me first whether I wanted to have my account information shared or not. According to the Gramm Leach Bailey Act, Financial institutions are permitted to disclose to a consumer in writing or electronic form, that such information ( MY PRIVACY ) may be disclosed to such third parties ( CRA 'S ). After carefully reviewing our contract agreement I notice I have not received or signed any disclosure stating that I give your company permission to furnish my nonpublic personal information. See 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2019-04-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC (CA)

Loan Me offered a business loan to my company XXXX XXXX XXXX and never told me that they were adding this loan to my personal credit, putting me as a co-signer. They lied to me, they also lied saying that I only needed to make 4 payments and then they were going to give me better terms, they were going to restructure the loan, I just needed to establish a " relationship '' with the company. It has been more than 4 payments and they have not readjusted the terms which are outrageous and predatory. With a 94 % interest rate, to pay over 10 years at a $ XXXX monthly payment. From a {$9000.00} loan, I will end up paying {$84000.00}. They lied and scammed me into this loan.
Consumer complaint received 2019-05-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

As a result of my previous complaint with CFPB, case # XXXX, I've received a letter dated XXXX from XXXX XXXX XXXX, HSBC Vice President, Head of Customer Relations, guaranteeing that {$750.00} Promotional Bonus will be deposited into my current saving account within 8 weeks from XX/XX/XXXX as long as {$100000.00} minimum requirement has been maintained since XX/XX/XXXX to XX/XX/XXXX. 
Although I have met the requirement and 8 weeks from XX/XX/XXXX ended on XX/XX/XXXX, the {$750.00} has not been deposited into my account
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization given to report my information to a third party. I the consumer may have given you written/unwritten verbal and non verbal Per 15 & USC 6802.
Consumer complaint received 2019-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to get a loan for school from my bank and I was not approved. I got a copy of my credit report finally and there are still things on there that are not mine. Ive contacted FTC and the police. Im doing this myself. XXXX, XXXX XXXX. Please remove these accounts from my credit.
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (FL)

on XX/XX/19 i paid a settlement to Navy Federal Credit Union and i was informed that it would be updated and the negative information about it would be removed. Since then the company has updated the information for the balance owed but instead of changing the status to closed it was changed to charge off which is incorrect since i paid them to settle the account and close it. This has dropped my score 70 points and has severely hurt me as i am trying to purchase my first home and this has made me ineligible due to the credit score decreasing significantly.
Consumer complaint received 2023-06-13
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. (IL)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit.
Consumer complaint received 2020-09-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-05-09
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: Cordoba & Associates (NJ)

A person named : XXXX XXXX Called me at work telling me that I own money to XXXX XXXX, This account was already discharged on Bankruptcy and she is telling me is another account. 
When I asked to send me all the paper work to my address the person was very rude an told me ill see in court. 
The number was XXXX-XXXX-XXXX.

The male that was rude call me back from a XXXX-XXXX-XXXX-XXXX I also sent the bankruptcy papers to a Fax XXXX-XXXX-XXXX-XXXX