davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made an in full credit card payment of {$4300.00} on XX/XX/21. This paid off the entire balance owed. I logged into the account on XX/XX/21 and found I was charged an additional {$45.00} interest on XX/XX/21. How can they charge interest after I have paid the account in full? This is unacceptable! I called Capital One for the reason. I could barely understand the agent, but basically he said that is remaining interest from some type of cycle end date. No, I paid what I owed in full and should not be required to pay more! Luckily I even checked my account, or I would never have known and probably been hit with more unnecessary fees. I'm never using my capital one again ... I've had issues before where they charged unnecessary interest on cash advances. Charing interest every single month on it and there is no way to pay the advances unless the entire card balance is paid in full. This company just gouges you for interest fees.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NC)

simple bank closed and transitioned to BBVA on Saturday. I followed the steps to get access to my account but got locked out. I have tried to call every day but have been unable to get in touch with them. I have also reached out on twitter with no response. I have had no way to access my checking, savings, or joint checking and savings account since Friday XX/XX/XXXX. How am I supposed to know my balance? I need access to my money! There are no branches here.
Consumer complaint received 2021-05-12
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2020-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 I sent a letter to Transunion, XXXX, and XXXX about the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like I am being ignored and taken advantage of regarding my disputes. This has really caused me a lot of stress as I have been unable to move on with my life.Please help me. Thank you.
Consumer complaint received 2022-01-21
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My capital one account is restricted because I am out of town for an extended period of time, and I therefore am sometimes using one of my 2 phones, or my computer here or my computer back home in Pennsylvania via a Remote Desktop connection client. This means that my IP address has me in different locations at once. I understand when capital one first restricted my account, but I called them and cleared it upI sent them photos of my Drivers license ( twice ) and provided them with all the information that they had asked of me. Although the restriction was lifted, I was never able to use my account again. No matter what, there was no moving money in or out of my account. The restriction was placed back on my account again, and this time, they have informed me that they will be closing my account, which I think is complete XXXX. Why should I have to wait weeks or longer to see the money in my account again? Because I use a Remote connection client? Really? Something does not seem right about it and I am very tired of the abuse that banks have taken the liberty to inflict on innocent bystanders such as myself, restricting access to everything I have on a whim. It is not ok. Capital one has all of the information that they had asked of me, why is my account still blocked and why is it being closed? I beg to differ.
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I called and paid the debt over the phone. It was paid In Full. Please follow up with ARS. This debt was not validated in XXXX as the results say. Please contact me if you have any questions. XXXX
Consumer complaint received 2021-05-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I XXXX XXXX on XX/XX/XXXX submitted documentation to COAF for a validation of debt. In response to my complaint a copy of the alleged contract was sent to me which did not state any of the requested information that was asked for. I also demanded a Cease and Desist for collection of this alleged debt and in response COAF stated that a Cease and Desist would be placed to ensure no further communications from COAF, but then it was stated that I will still receive correspondences regarding this account and that I am still responsible for payments on this account. Looking over the contract from XX/XX/XXXX, a finance charge was involved. 15USC 1605 defines a finance charge as the sum of all charges. So to what debt do I actually owe? Also pursuant to 15USC 1635, I the obligor, have a Right to Rescind following this consumer credit transaction in which these documents where not presented to me at the time of this consumer credit transaction which violates 15USC 1601. In addition pursuant to 15USC 1681a ( 2 ) ( A ) ( i ) reports containing info solely as to transactions or experiences between the consumer and the person making the report is excluded from a consumer report in which COAF is in violation of.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: South East Collection Specialist (GA)

This company called my mother and told them they were looking for me concerning a debt. I called the company back and left my number. The next day the company calls and tells me they are a law firm bringing litigation against me for a debt I supposedly owe. I asked the representative to mail me a copy of the original debt that I supposedly owed to verify its authenticity, at this point the representative became very irrational and confrontational. I stated to never call me again. This phone call has been proceeded by several calls over the past few days.
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VEROS CREDIT, LLC. (CO)

On XX/XX/XXXX I, XXXX XXXX XXXX signed a buyers order for a vehicle of a XXXX XXXX XXXX from the dealership, XXXX XXXX XXXX while a loan is being processed, in financing with VEROS CREDIT. 

As of Tuesday, XX/XX/XXXX, I was given a text from VEROS CREDIT, number XXXX, that my loan was pending, and that I needed to send proof of residence, pay stub. And was given a similar text, Wednesday, & Thursday. 

As of Friday, XX/XX/XXXX, I received an email from XXXX XXXX XXXX stating, " Well, XXXX unfortunately since the vehicle still belongs to us and you have hone dark with communication we have no choice but to report the vehicle stolen your temporary registration has been cancelled. ~XXXX XXXX '' I am confused on the matter ; can a car dealership do such practice in such a short period, without even giving me a warning or something. I'm reporting this, because I feel I am being treated unfairly, even I talked to VEROS CREDIT on Monday, and scheduled Friday, XX/XX/XXXX to talk on starting loan payments.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (ME)

I deposited a personal check in my TD Bank account for {$320.00} on Saturday XX/XX/2020. I then initiated a ach transfer to an outside bank to be completed on Wednesday XX/XX/2020. Both the deposit and transfer were pending on Monday XX/XX/2020. I received a overdraft charge fee of {$35.00} on Tuesday XX/XX/XXXX but according to the overdraft statement the check was cleared on XX/XX/XXXX. 
TD Bank then sent an email about an unsuccesful transaction at XXXX on Wednesday XX/XX/XXXX and proceeded to put the transfer through again, with no option for me to cancel, minus the overdraft fee of {$35.00} which caused my bank account to go negative and receive another overdraft fee of {$35.00}. So in two days TD Bank charged {$72.00} in fees.
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC (CA)

In XXXX of XXXX my loan was with the company XXXX. During that time I was approved for a Forbearance program that would allow me to not make any payments for 180 days ( Document enclosed ). In XXXX of XXXX I started making my payments again ( Document enclosed ). I continued making my regular payments with the understanding from XXXX XXXX that forbearance balance would be added to the end of my loan. Since that time my loan was sold to Gregory Funding. They insisted they picked up my loan in XX/XX/XXXX it was delinquent and due for all subsequent installments even though I was in the forbearance program. For the past 5 months I have been trying to get re-fiance with XXXX XXXX. This process has been held because besides the amount of the loan of {$310000.00}, Gregory Funding is demanding an additional {$11000.00} for the forbearance balance and additional fees. XXXX XXXX specifically stated I would be charged any fees while i was in the forbearance program. Now Gregory Funding sent me a letter stating this " Mystery '' fee is due to when my loan was owned by XXXX in XXXX. My loan has been sold 4 times since than and this " mystery '' has never been mentioned by any of the other companies that owed the loan. I have researched Gregory Funding and there has been numerous complaints to the XXXX XXXX XXXX with customers complaining about this same situation once Gregory Funding got a hold of their loan.
Consumer complaint received 2021-05-12
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: CNG FINANCIAL CORPORATION (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-01-21
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. (AL)

This complaint is to get assistance with the credit reporting agencies that are not resolving the issues of my credit file. I mailed out letters to show claim of my identity theft or claim of accounts listed on my file without my knowledge. They have yet to respond with a valid response per consumer law 15 USC 1692 ( g ) Validation Debts. I am requesting since the CFPB is the government and the credit reporting agencies are not just a company to please require them to follow the law. I will not validate the accounts I have requested to be removed or corrected because they are not mine or are closed and the inaccuracy needs to be corrected.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, My complaint is with Capital One Bank. I am a sole proprietor of an online retail store that started in XX/XX/XXXX. I applied for the SBA PPP loan in XX/XX/XXXX to help continue business operations. I was approved and had my funds deposited into my person checking account because I do not have a business checking account. The funds were deposited on XX/XX/XXXX to my XXXX Capital One Checking Account. As I began to use the funds to make payments my account was placed on hold. I was not able to withdraw money or use my debit card. The bank stated they have to verify that my business was legitimate. Though this was already verified through the SBA, I complied and sent over my XXXX Tax Return, which included my Schedule-C for my business, my loan agreement, my EIN letter, and link to my website. Each time I call they state they are still investigating but I believe this is untrue. There is nothing further to investigate if the question is of legitimacy of my business. I have provided more than enough evidence to validate its existence and operations. 

It is unfair because I am in need of accessing my funds to continue running my business and have a legal right to the funds as well as a financial obligation to pay it back. I also have funds still being deposited aside from the loan that they are also holding from my usage.
Consumer complaint received 2022-01-21
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. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-21
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. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

I was charged a {$110.00} fee for transferring a payment on XX/XX/2022 mistakenly as a transaction to my landlord as rent for the month. I had call PayPal to reverse or cancel the payment but they said they could not but instead asked me to call my landlord to return my payment but he would still be charged {$110.00} as fees. Since I didnt receive anything and this wasnt a transaction for good received I dont see how either I or my landlord should pay this fee. There was no where within the transaction journey that states that there was going to be a fee assessed when I receiving payment, if there was I would never have randomly clicked on transaction. Fees should be clearly stated, PayPal is knowingly being deceptive when theyre not providing an option to understand how fees are collected. This is a clear UDAAP violation. Id like the fee reversed. Ive attached the transaction ID below as reference.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION (OK)

I filled a complaint with the XXXX  after I mailed a certified letter to Credit Acceptance regarding Deleting a old account for a car my brother use to own, and received information about the Repossession that shows that the payments remained in default and it should of been deleted off my credit report as of XX/XX/XXXX. On the letter I received from Credit Acceptance it showed that they added a repossession cost dated XX/XX/XXXX for {$390.00}. The account was listed current on XX/XX/XXXX, and starting XX/XX/XXXX it was a balance of XXXX and remained in default. When the car was repossessed in XXXX it was a balance of XXXX before the added repossession fee. So going off the Fair Credit Act it was suppose to be deleted 7 years from the default date which would of been XX/XX/XXXX, and they're still reporting negative remarks on my credit report. I just want this to be handled and deleted like it suppose to be.
Consumer complaint received 2021-08-28
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: Mortgage Research Center, LLC (WI)

I have been fighting with XXXX/VETERANS UNITED HO for the last X amount of months trying to get them to remove this off my credit report immediately this is maybe the 3rd or 4th report I have submitted against this company and I had spoken with a man named XXXX. They mailed me a letter which I received yesterday stating that they made a error and it should not be reporting to my credit score.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I login my credit I find some items on my credit report thats not mine CREDENCE RESOURCE MANAGE Last reported XX/XX/2022 {$10000.00} Open balance XXXX XXXX XXXX  Original creditor
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX, I sent a method of verification dispute Experian for the following accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It's been over 45 days since I sent dispute and Experian have not answer as they are required by the FCRA.
Consumer complaint received 2019-08-07
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. (GA)

The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX  XXXX  and XXXX
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

XX/XX/2023 I deposited XXXX in my account and after I deposited the check my account was placed on hold.. I reach out to Truist Bank and tried to fix the problem and the bank place a 10 day hold to make sure funds would be available. My fund became available XX/XX/2023 and they put another hold on my funds and will not give me a date to get my funds.
Consumer complaint received 2022-01-21
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2019-08-07
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)

The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

LexisNexis is releasing my report to entities without my consent even after I have submitted a credit lock/freeze on my account. They have done this now at least two times. The companies they are releasing to are not government entities so they shouldn't be releasing the information unless I provide consent to do so.