davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SinglePoint GI (IA)

On XX/XX/XXXX and XX/XX/XXXX I received correspondence in the mail from GENERAL REVENUE CORPORATION that violates several of my federal rights. On XX/XX/XXXX I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachments labeled as Exhibit A and Exhibit B that GENERAL REVENUE CORPORATION is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery for committing identity theft. I have never given Portfolio Recovery any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt if the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention are both requested and required.
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collections Enterprise, Inc. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER COL ENT ( Original Creditor : UNIV OF XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I sent a debt validation letter to all three credit bureaus. Both XXXX and XXXX said the debt was validated, but I asked for method of verification and original contracts that were signed and haven't received that from either of them. XXXX removed the account because they were unable to verify it then weeks later added the account back to my credit profile. I reached out to ProCollect on XX/XX/21 stating that I'm not acknowledging the debt, but would like this matter to be taken care of and offered to settle for the amount of {$350.00} and for this account to be removed within 10 calendar days of payment. The agent rudely said there is no settlement and my balance needs to be paid in full by XX/XX/21. I don't owe ProCollect this amount of {$1200.00} and XXXX collection fee.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (IN)

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. 

Account name : XXXX Consumer # XXXX Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-02-25
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. (CA)

I HAVE CONTACTED EQUIFAX MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING EQUIFAX KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! EQUIFAX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). EQUIFAX HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Credit card paid full balance more than minimum asking for I had no balance XXXX then I received a interest rate with no charge I would like to close out my account with this credit card company as soon as possible Capital one credit card I had no balance after XXXX I paid on XX/XX/2021 no balance left until I received a interest charge just recently I paid my balance in full on time no late payment ever with this credit card company.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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. 

has violated my rights. Or a list of inquiries : 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 2022-02-25
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. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/21 chase offered 20 % off on XXXX for gas on chase sapphire preferred card which l enrolled my card ending in XXXX into and filled up tank for {$35.00} on very same day, XX/XX/21. I called today XX/XX/21 to inquire about the credit l should have been given as it usually takes 2-3 days to appear on account online based on my previous experiences with all chase cards and other merchants credit cards. The agent l spoke to was super rude and said that if it doesnt appear within 5 days then there is nothing that they will do as its their policy not to make adjustments for promotional offers. Its not just ethically wrong but also falls under false advertisement and deception if they tempted their customers to use a merchant of their choice for their financial gains by offering rewards but later deny it. My reward comes out to be only {$7.00} based on {$35.00} purchase and my time is more valuable than {$7.00}, however, its a matter of principle and holding these big companies accountable for their actions. I also wanted to lodge this complaint so if its a constant issue and enough people report it then it should be investigated. 

Thank you XXXX XXXX
Consumer complaint received 2018-08-23
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: BBVA FINANCIAL CORPORATION (TX)

XXXX has totally XXXX my credit up putting on stuff that is not mine ruined my credit this has taken 120 days and still not fixed after ftc and fcra sent over with police report
Consumer complaint received 2022-02-25
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. (CA)

XXXX card was opened fraudulently. i have been a vitctim of several data breaches, including the recent XXXX breach. My ssn is on the darkweb and is always used.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

Beginning on or about XX/XX/2020 XXXX XXXX began a relationship with XXXX XXXX XXXX. It would soon be discovered this was a relationship entered into for the sole purpose of stealing almost {>= $1,000,000} from XXXX XXXX. As you are aware, the elite XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department is currently investigating this matter in particular and investigating the larger fraud enterprise. We have included a preliminary police report for your review. Additionally, the matter has been referred to the Department of Justice given there are two corporations which were used to further the fraud scheme. And Lastly, the matter has been reported to the Internal Revenue Service for investigation of tax evasion by XXXX XXXX. 
A check for {$420000.00} was made out to OUR MUSIC FOR YOU. This check was also written as a loan to be paid back with money held in XXXX. Despite XXXX XXXX wanting to make the check out to XXXX personally, he had her make the check to OUR MUSIC FOR YOU. We can provide a copy of the check, front and back. Review of the corporate documents shows similar addresses and names to the above referenced corporation. As noted, this check was made out to OUR MUSIC FOR YOU which is a domestic nonprofit corporation organized under the laws of California. But despite the check clearly identifying the payee as a California corporation, a nonprofit, tax exempt entity which must operate under strict state and federal statutes and banking regulations, the check was improperly and illegally endorsed by an individual without indication of whether the endorsement was on behalf of the tax-exempt corporation and endorsed by someone with authority to endorse the rather large check. In point of fact, the check was endorsed with a mere illegible scribble which could have been made by anyone. 
Notwithstanding the check was obtained through fraudulent means, the check as written was endorsed by someone not connected and/or authorized by the corporation and as such, is forged and fraudulent. As a result, the monies are to be returned to the payor as the individual endorsing the check misappropriated the funds for his own personal benefit. 
Also to add XXXX XXXX XXXX altered the cashier check by writing DONATION on the front of the check. 

Chase Bank acknowledge that the cashier check for {$420000.00} was fraudulent cashed, also chase accepted my claim and that XXXX XXXX Bank was responsible for repayment, however six moths passed by and the back rejected my claim with not letter of explanation, and close my main account that I need to provide copies of the statements to the police and also need my bank account history information for many purposes regarding my finances
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

After, receiving a letter from Bank of America to apply for a business checking account, and being eligible too. On XX/XX/2022 I walked into a Bank of America branch located on XXXX XXXX XXXX, XXXX XXXX. I initiated a consumer credit transaction with my SSN/ XXXX also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a business account on Bank of America. I did not receive the treatment I expected. Instead, I was yelled at by the branch business account manager. In his words ''he 's not able to open an account for me, and it's not his job to find out as to why a business account can not be open for me ''. Credit worthiness is not a factor in their decisions. I provided every document required and was denied a new business checking, due to invalid reasoning 's, after I was informed, I may obtain any account at any branch. I'm highly disappointed in Bank of America as they have negative people representing them as a company. It is with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response, nor the correct communication.
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (DE)

I had an automatic debit come into my account that overdrafted it. I immediately transferred money from my savings account to my checking account to cover the amount. I was charged with a {$35.00} overdraft fee to my checking account and {$9.00} fee to my savings account. I asked the money grubbing, profit swilling XXXX at TD Bank to refund the charges and was told no. 

TD Bank made XXXX billion dollars in profit for the XXXX quarter of XXXX. In its announcement, it also cites benefits from the XXXX tax bill signed by XXXX. I got an extra {$20.00} a month from the tax bill. And this year, I had to pay more in federal income tax. But XXXX forbid TD Bank XXXX XXXX XXXX XXXX, who makes {$15.00} XXXX a year, gives back my {$44.00}.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

It is XXXX. XXXX has tried to add an old account to my report that was closed in XXXX. XXXX XXXX and XXXX noticed it was fraudulent and removed the account but experian refuses to. How can they get away with this? How can they add an account 8 years later to my report? They are crooks and scammed me from day one with multiple loans with sky high interest rates. Please help me fix this issue
Consumer complaint received 2021-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I currently have a used vehicle loan with Pentagon Federal Credit Union ( PFCU ). My family and I PCSed to XXXX XXXX, XXXX on XX/XX/XXXX with the US State Department and shipped the vehicle on XX/XX/XXXX. Prior to shipping the vehicle I requested permission from PFCU to ship the vehicle, which was granted. At no time did PFCU specify that additional insurance was required while the vehicle was in shipping or subsequent secure storage.

I returned to the US in early XXXX for the delivery of our daughter and remained stateside until XX/XX/XXXX. While I was stateside PFCU sent notice via US mail to my PCS address that the vehicle did not have the proper insurance and that I would be charged if the issue was not resolved. I did not receive these notices as I was not at my permanent address. I also note that I did not receive any telephone or email communication from PFCU. I purchased an XXXX insurance policy on XXXX XXXX, XXXX. This was my first opportunity to do so as my family and I were in quarantine for 14 days upon our return from the US.

After going through several months of mail I noticed Penfeds demand for updated insurance information. On XX/XX/XXXX I submitted my policy information to XXXX third-party verification company MyInsuranceInfo.com and was told the issue should be resolved within 3 days. However, in early XXXX I noticed an additional {$2000.00} charge added to my loan for supplemental insurance. I reached out to PFCU in an attempt to resolve the issue by resubmitting the insurance policy and informing them that the vehicle was in shipment and storage. Their first reply was to deny my insurance on technicalities associated with XXXX insurance policies. After much back and forth, they eventually accepted the policy as valid. 

The next reply was that the vehicle was uninsured from XXXX until XXXX while it was in shipping and secure storage which also is false as it was covered under the shippers insurance policy and was subsequently in secure storage on the US Embassy XXXX XXXX compound until I was able to have it registered and finally drive it home in around XX/XX/XXXX. 

I have submitted proof of insurance and proof of shipping. There appears to be no disagreement that the XXXX insurance police I have is valid, yet the vehicle still has a supplemental insurance policy through XX/XX/XXXX attached to it that PFCU so far refuses to withdraw. At this point it appears to be purely predatory and I have received no substantial information from PFCU as to why there is still an insurance policy or a definite answer on how to have the policy removed, just vague requests for additional information. I request additional assistance to have this issue resolved as PFCU has been less than helpful and I should not be responsible for a {$2000.00} supplemental policy on top of the policy I already carry.
Consumer complaint received 2022-02-04
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. (MD)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

XXXX XXXX  is my loan servicing company. I have had my home for just over 15 months and put down/paid off about 10 % of my principal mortgage amount. 

In my area in XXXX Florida, the housing market is on fire. Homes around me with similar Sq ft. are selling for well over what I paid for my home. 

This fact sparked asking my loan servicer if I could pay for a new home appraisal so that if the new loan to value surpasses the 20 %, I could get rid of my XXXX XXXX  XXXX ( XXXX $ XXXX ). 

I asked for a supervisor to ensure I was given correct information once I received a letter of my options. The Option that best serve me stated that is I had made substantial improvements to my home and paid for an appraisal of my home and it came back more than the shown amount on the letter, my PMI would be retired. 

Since my call and point of view is the housing market itself has increased the value of my home substantially in the last 15 months, I wanted to check if this fact was sufficient enough for XXXX XXXX  to allow me to pay for the appraisal Without listing Substantial improvements. To my delight, the supervisor representative from XXXX XXXX  agreed and reassured me that if I sent a check for the appraisal performed by XXXX XXXX  and resulted in the new home value over the amount listed in the letter, my PMI would be retired! 

Now here is my complaint. Weeks later, I hear nothing from XXXX XXXX  until I call and ask again to speak to a supervisor ( most normal agents they have are novices in mortgage and simply read scripts and a computer screen ), and ask what may be the holdup on my appraisal??

The supervisor stated that because my property HAS NOT made any substantial improvements, they would be sending my check back to me and not performing an Appraisal!!

I pleaded the only reason why I sent a check in the first place was because of one of their supervisors assuring me of the appraisal being done without needing to provide home improvements! 
This conversation lead to other supervisors and all of them are reading a script. Denying my chance to an appraisal that would clear my loan to value well under 80 % and cancel my PMI. 

I believe this is incredibly Unfair, unethical and unjust! I should be allowed to PAY for an Appraisal of My Home at anytime if I feel the results would PROVE my homes value can cancel my PMI! 
I hope this email finds the correct path to a better mortgage experience holding loan servicers responsible to unfair, unethical and unjust practices. 

Thank you!.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a backround check for a job. The consumer report dated XX/XX/2021 shows an alias that is not mine. The incorrect Alias is XXXX XXXX XXXX. The only Alias 's that I should have is XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I would appreciate it if an investigation can be made to remove that name or any other names that I do not belong to me from my consumer report. I feel that there is some kind of fraud going on. I feel that my youngest son 's father who I only knew for a year may be the one using my information fraudulently. He has a history of fraud.