davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My accounts at Capital One were closed. I tried to get it reopened and have escalated it to the office of the CEO, and I also tried other departments I was sent to, but they responded that they can't get it reopened. I still had other things that I needed to get done on my account and I was not given proper assistance. I again reached out to the corporate office with no response. Suddenly, I got a harassing letter that I have no right to contact the bank 's corporate office, anything I need should be through customer service. However, when I contact customer service they refuse to assist me. They blocked my calls, totally discriminating against me. 

This is the letter I emailed to the CEO : Dear XXXX, it's been some time since Capital one has made their senseless decision to close my accounts and to part from a long time relationship. However, immediately upon complaining to your office, for some reason the company started to discriminate against me in a very nasty improper way. Capital one is refusing to assist me through the regular customer service and when I try getting the att. of the leaders in the company, they fail to respond at all. They are also trying to harass me not to complain. This is in total violation of Visa policy and federal regulations. I have proof that there is a double standard. While others with closed accounts are being fairly treated, I'm not. I hope u realize the severity of this matter, I look fwd. that u will take serious action to rectify the situation in due course, to prevent ur org. from serious legal jeopardy, possibly seeking class-action status. I appreciate the opportunity to make u aware of my concerns. Respectfully, Mr. XXXX
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent certified letters requesting the removal of a US Bankruptcy from my Credit Report. I am protected by the FCRA laws and guidelines which protects consumers from misinformation being used against me. The credit bureau is not in compliance. I have asked for them to send me a copy with my signature giving my permission to report this on my report, or documents from The US Bankruptcy Court. In reply they have sent me letters stating my account has been updated which there has not been any change whatsoever nor have I received any proof of documentation from anyone.
Consumer complaint received 2019-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TRANS UNION started my disputes with trans-union on XX/XX/XXXX and since then have sent more letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) disputing various items on my account. Some have been deleted upon not being able to verify but others till remain and have not shown proper verification under the FCRA rules and regulations namely : XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as they have not been able to verify with supporting documentation the validity of the debt. 

XXXX  As with Transunion, I sent request for validation of the debt on my credit report and no proper documentation under FCRA rules and regulations have been submitted to me justifying the debt. Namely : XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX AS with both transunion and XXXX, items on my credit report were disputed and supporting documentation requested was not submitted. namely : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX XXXX : These Company which allegedly hold a capital one debt in my name hasnt been able to supple subsequent documentation to validate the debt under the fair credit reporting act and has reported to the credit collection bureau without proper validation. And thus needs to be deleted from my credit file.

In Closing all these companies have been given ample time to validate the debt on my file with supporting documentation and have failed to do so. 
Im hoping to resolve this matter with a deletion from my credit file as these items have caused me some distress. 
Thank you
Consumer complaint received 2018-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I have repeatedly asked for validation of this debt, and all they send is a statement with a balance owed and no details. The collection notice has been sent in XXXX. Their debt collectors have threatened me with going to court and showing up at my work. I have tried on many occasions to resolve this issue with the company, and when I ask for proof of the debt, I am either hung up on threatened. This is not my debt, I never received this card. They are enabling my ability to receive private student loans. I have been a victim of identity theft on more than one occasion and have provided FTC Complaint numbers to them and the credit bureaus. I have also filed numerous reports with postal service about not getting my mail. These people can not threaten me or continue to falsely accuse me of this debt. It needs to be removed from my credit file immediately. My XXXX account was hacked on more than one instance and my personal information was exposed. Please see attached documentation.
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

My complaint is with Truist bank. During COVID I was in a forebearance. When the time came to decide what to do at the end of forebearance, the customer service representatives I spoke with were completely unable to verify any of the financial details I was asking for including what my options were - how much interest I would be paying over the life of the loan in each case. At the same time, they would get frustrated that I was asking questions that they clearly did not have the financial prowess to respond to. It was a very frustrating experience. I continue to call up and ask questions that they do not know how to answer. I find that I now have no outlet to get questions answered about my loan and I am extremely dissatisfied with the customer service.
Consumer complaint received 2019-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

My initial identity theft report and was filed on XX/XX/2019. Report number XXXX. XXXX XXXX reported those items but, has yet to remove the inquires that came with those fraudulent accounts. Experian has removed everything. XXXX  has yet to address the matter. The only update was a generic response, that they were investigating the matter and needed more time. 

Now after I filed the initial complaint and the items were removed by transunion and experian. I have 3 new accounts that weren't showing on my credit report and wasn't included in the initial report, because of that fact. On XX/XX/2019 I had 3 accounts, that I have no knowledge of and they are as follows : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I am at a lost for words, I have a Fraud Alert on my credit file and yet and still the bureaus are reporting these fraudulent accounts to my credit file. Without as much as a phone call or email to ask me, the consumer if in fact these are my accounts or a part of the identity theft.
Consumer complaint received 2019-03-20
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: EQUIFAX, INC. (LA)

My initial identity theft report and was filed on XX/XX/2019. Report number XXXX. XXXX XXXX reported those items but, has yet to remove the inquires that came with those fraudulent accounts. XXXX has removed everything. Equifax has yet to address the matter. The only update was a generic response, that they were investigating the matter and needed more time. 

Now after I filed the initial complaint and the items were removed by XXXX and XXXX. I have 3 new accounts that weren't showing on my credit report and wasn't included in the initial report, because of that fact. On XXXX of 2019 I had 3 accounts, that I have no knowledge of and they are as follows : XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX. I am at a lost for words, I have a Fraud Alert on my credit file and yet and still the bureaus are reporting these  fraudulent accounts to my credit file. Without as much as a phone call or email to ask me, the consumer if in fact these are my accounts or a part of the identity theft.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

- XX/XX/2019, New credit card approved. 
- online banking started to occur around 2nd week of XX/XX/2019. Unable to view CC account information but the card was working. Advised to use the card normally. Capital one rep suggested there was some problem with the account information and they would get it fixed within 72 hours. 
- XX/XX/2019 : Called to check on the problem. Was thrown around to many reps. Final results showed that they found 2 names on my account with the same SSN, causing the system to crash. Suggested to call back and tried again. Was unable to access account statement but able to request the statement manually sent to my account, but Capital one was unable to help with payment. 
- XX/XX/2019 : Called again for payment, Cap1 unable to pull out payment screen so unable to pay. Suggested to send paperwork for name update in their system, with ref case no # XXXX. Files uploaded and was told someone would call back to confirm and it would take about 72 hours. 
- XX/XX/2019 : Called again to try to pay, system was not working again. Payment was due but Cap1 unable to process. They claim " could not find the CC account in their system '' - XX/XX/2019 : Called again to check on file submission progress. Talked to supervisor with ID # XXXX she mentioned the case # received earlier was not valid and still need documents uploaded. New case # issued as XXXX. She said will check back with me next day to confirm. 
- XX/XX/2019 : File uploaded at around XXXX. No follow up calls so far. Bill still can not be paid and will be overdue by now. I just want to pay the full amount and close the account.!!
Consumer complaint received 2022-05-04
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX, 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 instruction
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (SC)

A company has gone into my checking account XX/XX/XXXX and again in XX/XX/XXXX and stolen {$5300.00} both times. 
Both times Suntrust has not returned my money. 
Both times, Suntrust has some excuse because the company ripping people off will not return the funds. They will not return my money because they are not recouping it from this scam company. Suntrust never called me to verify these {$5300.00} charges but they said that they did. They NEVER called me. They let a company take {$10000.00} out in 2 payments almost 2 years apart from each other. This company didn't have my home address correct, they never had a copy of my license or any sort of utility bill. They never talked to me on the phone. I asked Suntrust to do a XXXX way call but they will not. Plus the merchant will not ever email me, call me or text me. Suntrust needs to return my funds. When I call Suntrust their team was extremely rude to me. XXXX XXXX, XXXX XXXX and XXXX XXXX were all completely rude and blamed me and refused to help. XXXX made threats to me because I emailed an employee on XXXX and he said that I should not have reached out to her outside of her work. I said well nobody would give me her work email, so I reached out on XXXX. He made some awful threats and nothing has happened to him. He still works there. XXXX XXXX got on the phone after I complained to the President of the bank. He said he was going to help me but he didn't even know anyone in the fraud dept. He was a complete XXXX to us and I have all of these people on speaker phone with some of my employees listening. Terrible people. Please return my money ASAP. They know my son has medical needs and I also have 5 financial products with Suntrust and deposit over 500k a year in these accounts and they are treating me like I am the thief. They are wrong and have no proof. They just do not want to refund me because the merchant will not refund them but they should have NEVER given my money away. Terrible.
Consumer complaint received 2022-06-12
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. (FL)

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.
Consumer complaint received 2022-05-04
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX, 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 instruction
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CT)

Charges appeared on my XXXX XXXX account Charges XX/XX/XXXX & and charges XX/XX/2018 & XX/XX/2018 do not belong to me. I filed a dispute on XX/XX/2018 and as of today this has not been removed from my account. 

In addition, my credit history has now been reporting derogatory as a result of the error on XXXX billing. I has spoken to XXXX on numerous occasions and they will not remove this error. I have suggested that they back tract the delivery address these items were sent. They can see that my address on this account was not the ultimate destination. 

XXXX has also engaged in fraudulent banking practices since I'm being charged for items including interest added to this account unauthorized.
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

Dear CFPB, There are four Collections accounts on my three credit reporting agency reports that are either not mine or are reporting seriously incorrect information.

For example, on my XXXX Report there are CAVALRY PORTFOLIO SERV with an open date of XX/XX/XXXX ; XXXX XXXX XXXX with an open date ofXX/XX/XXXX ; XXXX XXXX with an open date ofXX/XX/XXXXand a XXXX XXXX with a open date of XX/XX/XXXX. XXXX   and XXXX have similar Collections reported.

Last year, I contacted the three Credit Reporting Agencies about these four collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agencies did not respond to my request for validation.

I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time and so I know for sure these are not my debt as currently reported.

I am extremely worried that these collections are either not my debt or have been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency After contacting the collection agencies and the three credit reporting agencies, I do not know what else to do. Can you please assist in me in getting these four erroneous collection reports removed from my three credit reports?

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Chexsystems has failed to properly investigate an account listed on my report from XXXX XXXX. I've sent Chexsystems a copy of the police report to indicate I've been a victim of ID Theft. They originally told me that they would block the fraud account from my record but failed to do so. 

I feel very discriminated from chexsystems and felt like I've been unfairly scrutinized and mistreated from chexsystems.
Consumer complaint received 2018-04-16
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: Exeter Finance, LLC. (NV)

OnXX/XX/XXXX AND THEXX/XX/XXXX XXXX XXXX XXXX, and, EXETER FINANCE CORP, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX  and XXXX  credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX  which is located at XXXX XXXX XXXX XXXX XXXX XXXX NV I called and spoke to the manager no help there.
Consumer complaint received 2019-03-20
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: Assured Financial Partners (FL)

Good afternoon, I have been contacted by this company called XXXX XXXX XXXX Phone Number XXXX. XXXX the representative it telling me about a debt for a overdraft fee I had with XXXX XXXX 9 years ego. She started by telling I am being sued for the amount of {$1400.00} plus {$2500.00} of lawyer fees. After I asked what is this about, she tells me its a overdraft debt. I have not received any statements or proof of this debt. I don't even remember having a debt with them. I called the bank now XXXX XXXX and they are not showing anything. She is treating me with a civil lawsuit, and I am not given any proof of the debt. Also I will like to highlight, they are calling me during working hours to disturb me with treats.
Consumer complaint received 2019-03-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I have been on an Income Based Repayment plan. I sent in the renewal, and they MORE THAN DOUBLED MY PAYMENTS! I can't afford such a large increase in payments, even more strange it doesn't pass their own criteria for setting the payments. I think one problem with their IBR calculations might be that they only look at the income tax return and in my case ( probably many other 's as well ) I had the opportunity to work overtime last year and it would make it look like my income is higher than it really is. They should look at the paycheck instead, and base the payment only on the guaranteed income without the overtime, which comes and goes and is voluntary. So for example last year my guaranteed income was {$76000.00} but my tax return shows an income of around {$120000.00} so that is quite a difference. It doesn't look like there will be much overtime this year, so I really can't afford these new much higher payments.