davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Response to Capital One Bank Credit Card XXXX XXXX XXXX XXXX SS XXXX - XX/XX/XXXX Card ending in XXXX- 2 charges - Case Number XXXX Dated XX/XX/XXXX - and XXXX dated XX/XX/XXXX - The attachments enclosed are copies of numbers - NO signatures - or any proof I extended my stay at the stated hotel- After staying there from XX/XX/XXXX to XX/XX/XXXX The Manager that I dealt with was XXXX XXXX . She was the original manager that made the rate of XXXX XXXX per day. When this hotel sold in XXXX to the XXXX -The manager was changed to a man named XXXX - No one will give me his last name - Thus I have contacted the XXXX XXXX XXXX and filed Credit Card Abuse/Fraud - Police report number XXXX - The copies of the bills are not signed or initialed and what was provided were blank copies and NOT my signature - See my driver 's License signature. 
I have given XXXX XXXX, XXXX Tx Attorney permission to sue all parties involved in this fraud - Capital One advertises 100 % FRAUD PROTECTION- I have 5 accounts with Capital One and surprised I am having to take the steps to protect me from financial fraud.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC (NJ)

Financial Freedom Mortgage of XXXX XXXX NJ will continue call and solicited me over a year after I asked them to stop calling me. I ask on each phone call to for them to stop calling and they say they will but a few weeks later I get a call again from them. They got my information from XXXX in XXXX of 2019 and I seriously regret completing that application. I was harassed by over a dozen lenders and all stopped calling me when I asked them to stop except Financial Freedom Mortgage NMLS # XXXX. They are an abusive company that doesn't care about me or what is best for me, all they want to do it make a quick buck from their consumers. The are the reason many lenders have a bad sigma.
Consumer complaint received 2020-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

*NOTE : XXXX did send TWO checks due to the breach of my social security number. XXXX is in process. 

XXXX - CMRR USPS XXXX XXXX - Disputes - Never verified any of my disputes based off of the XXXX AND XXXX breach. 

XXXX - CMRR USPS XXXX XXXX - Disputes on Inquiries - Not fixed, verified, or answered by Transunion . 

XXXX - CMRR USPS # XXXX - Disputes on Inquiries # 2 -  Not fixed, verified, or answered by Transunion XXXX 

XXXX - CMRR USPS XXXX XXXX - XXXX did not fix, verify, or answer any of the disputes EVEN THOUGH I was in the XXXX AND XXXX breach.  XXXX knows they did send two checks to me due to their breach. 

XXXX - CMRR USPS XXXX XXXX - Second attempt to XXXX.   Did not fix, verify, or answer these inquiries.
Consumer complaint received 2018-04-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IN)

Upon attending XXXX XXXX I was promised job placement, lucrative salaries and the ability to provide for my family. None of these things happened. I went for a certificate program that lasted 15 months. When I completed the program in XX/XX/XXXX I was able to test for my XXXX. I was told I should have no problem finding out job. That is where the lies with XXXX XXXX and Navient/ Sallie Mae began. My signature loan started out at {$6000.00}. The calls started coming in XX/XX/XXXX. I still didn't have a job after numerous applications put in. I was told I was eligible for a hardship forbearance. The loan capitalization and the repercussions was not explained. I had both federal and private loans. I was not offered a IDR. Nothing was explained. I finally got a job in XX/XX/XXXX. I have tried desperately to make and maintain my payments. In XX/XX/XXXX I was laid off. The beginning of XX/XX/XXXX I started back to school for my XXXX so I could be a registered XXXX. My school filed for a in school deferment. During that time all the interest capitalized again as I later found out. I thought the interest stopped until I was done with school. I graduated in XX/XX/XXXX. In XX/XX/XXXX I was involved in that car accident. I have not worked since. I filed with Navient because at one point my signature loan balance reached over {$13000.00}. I have tried to get them to reduce the balance since more than half is interest and fees. I have been unable to work since my car accident.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MN)

I opened my citi bank account XX/XX/2023 while I live in Minnesota the closest branches to me are in Illinois so on a family trip I deposited my close out check from my previous XXXX  XXXX bank which I switched to citi from and my account was blocked and frozen I was told to wait 24-48 hours and give a call back when asked why the account was under review I was told no information could be provided. I proceeded back into the branch that I had processed the deposit to ensure that it was me and they reached out to customer service and was also told that I had to wait 24-48 hours. After the 48 hours was up I called and was told I had to wait another 24-48 hours because nothing was updated. I waited 24 hours and gave a call back I was told that they were unable to verify my phone number which was the exact same phone number on file I asked to speak to a supervisor and was denied I was told they were unable to verify me and was hung up on. I called back verified all of my information to customer service and was again transferred to their security department I provided my phone number which is on my account and again was told I couldnt use my number because it is not in public record which prompted me to check with the credit bureaus and my phone number is in fact on file with all three bureaus. I called back again and was told I had to wait on a letter with a reference code and all of my verification options have been exhausted which they only tried my phone number and told me it was unsuccessful even though I went into the branch and also verified my entire account plus my code word. I am still waiting on the letter which I have not received and all of my funds are in this account I have 2 children and I cant pay my rent or any bills and the bills that were set to auto deduct has bounced back. Citi bank has to be one of the worse banks I have ever encountered
Consumer complaint received 2021-09-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (MD)

Our rental home is 45 days from going into foreclosure. Weve been battling a company called SLS. Llc ( specialized loan servicing ) for years, since XXXX. At the beginning they pretended to be a legitimate company ( after XXXX XXXX XXXXXXXX sold to them ), with a special program designed to modify our mortgage interest from variable X % percent we were paying to a more reasonable rate, ( in our case a fixed rate at X % ), which we agreed to, and signed papers ). The whole process was part of a scam to string along the homeowners, as long as possible, so as to be able to mount up tremendous charges to the underlying mortgage holder, that sls was supposed to be servicing the loan for. They did this by telling us the exact amount of the new payments and interest, and then they would send more paper work as if the payment wee were sending was never enough and we should refi again! Meanwhile we had the payments on auto pay so as not to. miss a payment. The result is that the our credit is damaged by the predatory lending of SLS, who BTW stopped accepting our $ XXXX/month payments and made us loo like we were delinquent. At first, we thought it was just us, but we went on line and found that this was part of a system wide scam as we read what other people had to say it was the exact same story as ours. Even though we have letters documenting these events ive come to believe theres nothing we can do to change the outcome and we are really getting tired of fighting these people. We have a savings account with the $ XXXX  month payment which equals what SLS CLAIMS we are PAST DUE for sitting and waiting to be paid. These people need to be out of business and should be made to remove ALL derogatory reports on our credit.
Consumer complaint received 2021-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

In XXXX I found a rental ad in the XXXX XXXX XXXX  XXXX rental section and began emailing the " property manager '', XXXX XXXX. I filled out a rental application, signed a lease to start XX/XX/XXXX, and on XX/XX/2021, sent {$2900.00} via XXXX transfer to the " landlord '' XXXX XXXX for first month 's rent and security deposit. I had a meeting XX/XX/XXXX with XXXX to view the property since I was moving to XXXX XXXX XXXX  from XXXX and could not view it beforehand. She never showed up, and a day later emailed back saying she was out of town and we could reschedule. There were no further emails from her after this point, no lease started XX/XX/XXXX, and I had to scramble to find a new place to live. I am now scammed out of {$2900.00} and can't pay rent. This is an authorized push payment fraud and I called and did a claim with Bank of America, my bank. They took down basic details of the situation and said they would contact me so I could submit further documents for the claim. I had a XXXX XXXX XXXX crimes police report, a XXXX XXXXXXXX Attorney 's report, a XXXX complaint filed, AND a federal trade commission report at this time to back up my claim. However, just this past week an entire MONTH later I receive a letter in the mail saying " research complete '' and the claim is denied. They never even got my documents to support my claim, how can research be complete?? I reached out to Bank of America again to appeal but they said all they could do was have someone from claims or social support call me. I gave them my information a few days ago and as of XX/XX/2021 haven't heard back. It's been a month and a half, I was scammed, my bank was supposed to protect me, and now I can't pay rent. This claims process is a joke.
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

On XX/XX/2022 at around XXXX XXXX I tried about XXXX TIMES to access my accounts with a CORRECT username and password and I kept getting errors. Messages received are " We are making improvements to the site... .etc etc etc ''. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX!
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (FL)

XXXX XXXX, They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Some time on or about XX/XX/XXXX. I request a copy of my report from XXXX XXXX XXXX XXXX And they issue a report from a bank capital one 360 this account was open in XX/XX/XXXX cause to there report. bank rounding # XXXX account # XXXX. they need to verified this information and validation this. if not they need to remove, this account has a XXXX balance for over 12 year,. in XXXX iWars in XXXX in XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX   XXXX. al. and was release XXXX XXXX. capital one need to send me notice of the remove from my file. second met the XXXX XXXX XXXX account XXXX they got account overdrawn seven in year with a XXXX balance paid in full the fact incorrect bbt as of XX/XX/XXXX paid close as my request XXXX need to correct the incorrect. there is no miss used of this account. XXXX & XXXX  XXXX   XXXX. This information inaccuracy report on my report XXXX XXXX XXXX XXXX ( XXXX ) they need to validation this neg. information by submit proof. if not need to rquest that XXXX XXXX XXXX XXXX remove it ASP.
Consumer complaint received 2020-01-31
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: Atlanticus Services Corporation (MI)

I reached out to Fortiva credit card contacted them about a account that was opened in my name which I never gave permission to or authorized it in any way. I called them filed a dispute and they told me it would be take in care of and removed off my credit report within 90 days. They lied to me and constantly call me threatening to ruin my credit that my life is ruined they constantly do this to me. Date was in XX/XX/2019. Amount for {$1000.00}. 

Also selling my information to thrid party creditors is illegal and a criminal act and I want all my information whipped away that is on my 3 credit reports that are lies from the card companies that placed derogatory remarks. I've contacted the 3 credit bureaus and filed complaints on the mistakes that they placed no response no change.
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (AZ)

XXXX  by way of TD Bank is acting unacceptably and unfairly against me. I've been a Credit card company since XX/XX/2016, and I have never had any issues. I live with XXXX XXXX and had a prior incident that left me with XXXX XXXX, so I have to write my pin number on my card. I lost my card and or never got the card, can not remember due to my XXXX XXXX and someone stole it and began using it. I filed a claim with XXXX, they sent me another card with the same pin to the same address, and that particular card I know factually that I did not get. At this point, XXXX is charging me over XXXX in credit charges with NO proof it was me who made the purchases. This is not only upsetting but spiking and triggering to my anxiety. This is now causing me my health. I also got a letter in regards to the 1st of the 2 claims and I was told that the card was activated at some number with an Arizona area code. I have a XXXX XXXX, Ca area code phone number. I do not have a phone number that is from Arizona. So they denied and closed my claim prematurely because it was activated on a number? That number could belong to anyone, even a family member of mine. At the end of the day If the card was activated justly, but I forgot, that happens- but it was lost and or stolen and someone used it without MY permission. I feel targeted and I am now a victim a third time because this company decided to give my claim one look over and rush to resolve with their best interest at heart. This is unethical and also, discrimination in regards to blaming me for the lost and stolen usage because of the PIN on my card. I know lawfully you can not discriminate against a consumer/customer because of that need- many elderly people have to do the same. The agents on the phone are rude and do not try and help- they leave me on hold for 20 mins at a time. It is truly unacceptable. 

There were charges in XXXX in another state- in XXXX XXXX XXXX . I, unfortunately, have never been to XXXX XXXX XXXX. So this is really upsetting that XXXX  is getting away with treating customers this way. Discriminating against me and my mental state and my XXXX XXXX issues. This is really upsetting. 

I am being denied without thorough evaluation! I filed two claims, they combined the two into one and denied them both at the same time, which is unacceptable. Especially in a financial institution.

It is illegal to discriminate based on race, mental health, economic standing or anything else. PERIOD! Also, the bank is supposed to be working for and with me, not against me. This is what's happening here. 1. Being lazy and not researching in great detail.

XXXX is making a bias and unethical decision based on miscommunication. They are using my lack of XXXX on whether or not I activated the card on whether or not I used it. The card was lost and or stolen and used without my permission!
Consumer complaint received 2022-04-12
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. (TX)

I XXXX XXXX XXXX proper documentation to transunion on XXXX XXXX & also on XXXX XXXX. To remove fraudulent credit inquiries they are stating the documents sent XX/XX/XXXX was to blurry to so I resubmit the document on XX/XX/XXXX which I can provide proof that I sent it and they stalling saying the havent received to resubmit it
Consumer complaint received 2021-09-15
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: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

A RBFCU MasterCard Credit card was opened in my name fraudulently by an RBFCU employee. I applied for a vehicle loan through RBFCU, was approved, only to find out a couple days later that an RBFCU employee in the consumer lending department fraudulently opened a credit card in my name without my approval or authorization using the same credit inquiry for my vehicle loan. After trying to work it out with RBFCU, I was met with a lot of hostility, specifically from a supervisor named XXXX. After listening and confirming that I did not approve the credit card on the call, she then began to foolishly ascertain that it was not fraud and that she was not going to report it. She left it in my court to resolve this serious illegal act perpetrated by RBFCU 's own employee. Once I knew she wasn't taking this seriously, I reminded her that I had to report this incident to the FTC/CFPB, she then backtracked. I had to read her a definition of fraud/identity theft and explain to her that he has my personal information, including my SSN, and this may not be the end to the fraud. Rather than protect an RBFCU member ( me ) who was a victim of fraud by their own employee, she had clear intentions to protect the employee rather than me by not disclosing his name for me to file a proper fraud report. Overall terrible experience. I didn't expect to be met with such disregard towards a long-standing member who simply wanted a valid resolve.
Consumer complaint received 2022-05-03
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. (TX)

TRANSUNION has been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

Yes, I have historical notes on this one with the company and on here but NAVIENT took an additional payment of {$300.00} from me in XXXX  and it was never recovered or applied to my account correctly. They have never recovered my money and continues to harass myself my cosigner ( XXXX ) for payments most times after I have already made a payment. I would like to see a ledger in case I am in fact wrong and recently asked for one and I hav n't seen it in the mail yet. I have continued to pay since XXXX  regardless. That payment has not been recovered and the balance has not decreased. I have even asked for a full account ledger. My cosigner also said that you took money from him for a consolidation program .... ummmm what? What are you talking about consolidation program? Those loans should all be paid at one time via one payment that's the only consolidation I know of. Please explain my payment history and the credits to my account from XXXX. We don't want to talk you guys either but I would personally like to go over my ledger and apply credits or adjustments to my account and our credit reports as needed. Thanks.