davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is a new complaint and new subject. Has nothing to do with the prior complaint. 
Capital One received a cease and desist. Capital One continues to send statements in the mail to me after receiving a cease and desist from me. Capital One also has not reported the alleged debt as disputed to any of the 3 major credit reporting agencies. Capital One is in clear violation of Federal Law.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I am trying to place a freeze on my credit reports. This was easily done with XXXX, I flubbed the verification question with XXXX  so they are sending me a verification code via the USPS, but Experian simply refused to let me submit the freeze online. 

On XX/XX/XXXX, I made multiple attempts to freeze my credit report with Experian. After entering basic data ( name, SSN, DOB, address ), Experian sent me to a page that said I had to mail in the information, along with a copy of my driver 's license and a utility bill or bank account statement. I was never asked verification questions, so it was not that I failed a part of the process, Experian is simply making it more difficult for me to get my credit report freeze. This certainly goes against the intent of the law, and may be illegal. This action is even more egregious given Experian 's historical failure at protecting credit data and continued access to my credit information. 

I request that Experian not be allowed to access my data going forward, and they should be fined for their malfeasance in blocking my attempt to freeze my credit report.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion File Number XXXX XX/XX/XXXX XXXX THE XXXX XXXX IS STILL ON MY CREDIT FILE XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Monarch Recovery Holdings, Inc. (AZ)

This company has called me many times before XXXX XXXX. I recently called them on XXXX and they were rubbing in my face that I owe XXXX $ and saying at least I dont owe any debt, making me feel bad about myself and my financial situation. I was calling to make a settlement on this even though they have attempted to collect debt illegally many times. Im really sick of this company. They have sent so many letters to my old house even though I have told them to STOP. When I called them they also had a a voice changer on and it sounded like a COMPLETE robot and they refused to transfer me to someone so I could actually understand them. I have this on recording.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (MI)

I spoke to a XXXX XXXX this morning in regards to a phone call I had received. 

XXXX XXXX was very pushy, persistent.and unprofessional. She spoke over me when I had questions and spoke very quickly discussing the account XXXX XXXX told me the reason for the call was for a balance I owe from a prior residence I was renting from. 
I explained I never received a final bill from the property manager, I never received a representation letter from this collection agency. XXXX XXXX demanded balance in full today to stop collection efforts. 
I told XXXX XXXX Im not paying on an out standing balance without a bill or letter of representation. XXXX XXXX stated thats fine, its on your credit report anyway. 
She gave me one other opinion to pay and that was 3 monthly payments that I can not obligate to at this time. 

Id like to know how this account can be reflected on my credit report without having a chance to dispute or receiving a bill on this matter. 

Instead, XXXX XXXX tried bulling me into paying on this account. 
I finally gave XXXX XXXX my attorneys contact information
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

Hi, I am writing the CFPB to report an incident with USAA in regards to unfair and deceptive acts and practices ( UDAAP ) & the Electronic Funds Transfer Act ( EFTA ).  The problem is that USAA misrepresented the available funds in my checking account thus deceiving me into making a payment that was later reordered to appear overdrawn on the account. I am providing a summary of events as follows. I logged in to my USAA checking account at approximately XXXX XXXX CT on XX/XX/2018. I observed an available balance of {$200.00}. I used this information to make a payment of {$200.00} from my USAA checking account to my USAA credit card at XXXX XXXX. I also tested out transferring funds from an external account. Upon review of my checking account, USAA changed the order of deposits and placed the credit card payment ahead of the reported account balance, resulting in an overdrawn balance. I contacted USAA chat to confirm that this must have been an error on USAA 's part. The chat representative ( chat rep )  claimed initially that my balance was never {$200.00}, then later claimed that the deposit arrived after I made the payment & a transfer. I continued to share details & times of the transactions. The chat rep continued to deny. I explained that I would have to escalate the issue to a regulatory complaint. The chat rep continued thinking I was doing this because of " feelings. '' I reminded the chat rep that the chat provided evidence that USAA appeared to using UDAAP to create the appearance of an overdrawn account & refused to correct the problem. The chat rep claimed they would file a complaint on my behalf. I explained to the chat rep again that USAA 's actions would be different from the regulatory complaint I planned to file. Please let me know when USAA can correct reordering payments and deposits. Thank you for your time, XXXX XXXX
Consumer complaint received 2021-06-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My landlord is in violation of the CDC order by trying to evict me and my XXXX husband who had a XXXX and can not handle this XXXX. He could possibly have another XXXX that could possible be fatal this time. We are going through the courts and I have sent a signed CDC declaration to the court and my landlords. My landlords and their attorney have tried using self-help eviction tactics of harassment which is illegal. I want them to the max in damages in small claims court. I would also like to file a complaint against the landlords lawyer if who is also trying to collect money from this court battle. We are constantly being harassed and threatened by the owners coming by and stalking us, sending the wife 's sister by who broke the front door glass window in which I called the police and they couldn't do anything about it because it was already in a civil court. This incident sent my husband to the hospital with a XXXX XXXX of XXXX which could have caused another XXXX or XXXX We have been sending the rent per to the order of the court and the owners and their lawyer is making it difficult for us to pay requesting a huge amount of money that they know we can not afford. The courts are not honoring the Moratorium therefore, we shouldnt have had to pay at all and the courts should have known this. My attorneys quit on me because they kept charging me more and more during the Moratorium and now I am dealing with the courts via Pro Se and the courts know I have tried my best to keep up with rent while also seeking government rental assistance with the Texas Rent Release Program which is all included on the declaration that I signed. I would like to take them to a higher court verses an eviction court that I'm acting as Pro Se. We are scheduled to receive a " Emergency Writ of Possession '' sometime this week or the next week. 
I would also request a jury trial if I lose in the first court. If need be I have all the necessary documents including a doctors statement to submit to prove my case. This has been ongoing since XX/XX/2020 to date.
Consumer complaint received 2018-04-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I called Santander XX/XX/XXXX/to advised that there was an error made to credit agency where my balance increased by {$410.00} and my 1st payment was due XX/XX/XXXX which was made on time, information about the balance increased was reported around XX/XX/XXXX & XX/XX/XXXX loan amount now XXXX with a 73month installment when my contract balance XXXX for 72 months when I mention to the agent this information and told him my source was XXXX XXXX he advised me that they are a 3rd party source and that I will need to contact credit agency and dispute.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (PA)

Simple banking transferred to BBVA USA on XX/XX/XXXX. Since the transition, I have not been able to access my money. The enrollment for online banking and mobile banking is not working. I can not get through to BBVA customer service - it disconnects the call every time. I can not even access my money in order to remove it and bank somewhere else. This is my only source of money so to be without access is awful.
Consumer complaint received 2018-05-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX and Bank of America with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Consumer complaint received 2018-05-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Credit Control (CA)

On XX/XX/XXXX I contacted Continental Credit CTRL to resolve a medical bill that was placed on my Credit Report. I had called them before I believe in XX/XX/XXXX asking why I was getting collection notices from them in regards to Radiology bills that were due to a violent crime. I gave them the Victim 's Assistant contact information as well as the Assistant D.A. as well as opposing counsel. They disregarded the information and placed the bills on my credit report. The person I spoke with XXXX XXXX at ( XXXX ) XXXX said on XX/XX/XXXX mentioned that she went over the notes and saw the previous info. I asked her then why was it on my credit report if they knew that I was a victim of a violent crime and that it was going to be paid via either restitution or by the Victim 's Assistant Program ( VAP ). I told her that I would check the correct fax number and mailing address for the account and call her back which I did and gave it to here within 10 minutes. She said after I have given her all the numbers and addresses for the VAP, that there was nothing that she could do. I asked her what that meant. She didn't have an answer. I told her that made no sense and why would they be so difficult to a person that was doing everything to get them paid and their credit clear. I asked to speak to her manager and he was unavailable. This company is very ill-informed about the VAP and their ability to pay medical bills if a person is approved. I attempted to explain that to her but she wouldn't listen. I guess their phone calls are limited by time therefore they talk extremely fast and don't have time to listen. Regardless, I spoke with them at least 4 times today to rectify this situation. As well as at least twice before on XX/XX/XXXX I called them twice XXXX XXXX & XXXX after being hung up on by a male.. I don't understand why a company representative from Continental Credit CTRL would be so difficult to a person who is doing everything in their power to get them paid. They are unprofessional and uninformed. They need more training on how to resolve medical billings on the proper XXXX   forms to insure payment. I also asked them if this could be resolved if I contacted the XXXX XXXX practice directly and for that she had no answer. Why are victims of violent crimes made to be punished by not only the assailant but by the credit agencies whom the survivor is trying to pay? This has caused a mountain of stress that is very destructive.
Consumer complaint received 2018-05-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

On XX/XX/XXXX, I scheduled a one-time payment for XX/XX/XXXX via XXXX for my FHA mortgage. Later that same day, I deleted that schedule payment ( see attached payment deletion confirmation email received from XXXX on XX/XX/XXXX ).

On XX/XX/XXXX, XXXX withdrew the mortgage payment from my account ( despite confirming they deleted the payment authorization! ), putting me at risk of other payments being rejected ( copy of withdrawal screenshot also attached ).
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX currently reports on my TransUnion credit report inaccurately. A violation of FCRA rules. 

Currently XXXX XXXX XXXX reports inaccurate name and address that does not belong to me. This is a violation of FCRA rules section 1681. 

Currently XXXX XXXX XXXX  reports inaccurat outstanding balance on this account a violation of FCRA rules section 1681 Currently XXXX XXXXXXXX XXXX inaccurate payment history and last date of payment. A violation of FCRA rules section 1681
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have contacted this credit reporting agency and collection agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Collection agency and credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit XXXX If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.
Consumer complaint received 2018-05-09
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: Experian Information Solutions Inc. (CA)

I have tried several times to dispute issue with experian. 

Experian is reporting a deliquent or deragatory account with XXXX XXXX auto finance on my report. This account is way past the reporting time allowed ( 7 years ).
Consumer complaint received 2022-07-23
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 noticed these accounts reported on my Credit File which are completely unknown to me. Upon further research, I came to a conclusion that these accounts were the result of an Identity Theft. I don't know how the theft took place neither did I received any benefits resulting from the theft of my Identity. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an Id Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (TX)

This Debt Collection Company Central Portfolio Control has been sending automated calls repeatedly every day. I told them that the debt was not mine but they do not listen nor give me any response. The balance is ony {$440.00} why would I such money to someting I do not owe.
Consumer complaint received 2018-05-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On or about XX/XX/XXXX I deposited a check from XXXX XXXX XXXX XXXX in to a Capital One Savings Account at a local branch, an account that transitioned into an online 360 retail bank account without my knowledge. The check required a signature from myself and an attorney who I fired before being mailed the check. My then attorney ceased communication with me and after multiple attempts of trying to reach the other party on the check I signed it in good faith to pay the attorney for reasonable services and opened a savings account at Capital One local branch Bank to protect the other parties assets. 

Without effective investigation, Capital One terminated our relationship after I willing stated the other party refused to communicate with me. About one month after the deposit was made, the other party communicated with me and agreed to go into a branch and sign the check signed, so funds could be released and everyone can move forward with terminating the relationship. 

On or about XX/XX/XXXX the bank froze all of my assets in my checking and savings account due to the signature issue, then deleted the original check and attempted to charge me for {$2300.00} for a withdrawl that was accepted from the institution around XX/XX/XXXX. On or about XX/XX/XXXX the bank listed I made a customer withdrawl in the amount of {$2300.00} when the account was closed. For almost 2 months I have been reaching out to Capital One Bank to find a resolve to retrieve the funds and complete what is required to terminate the relationship. 

Representatives have stated several times they are not releasing the funds and have repeatedly misled me to believe the bank listed on the check can provide a hold harmless agreement form that can be sent to their security department via fax or mailed. 

On XX/XX/XXXX I visited a local XXXX XXXX to obtain the form and the banker informed me after detailed research the form was non-existent. Capital One refuses to communicate with the bank to reverse funds and they refuse to communicate with me on settling the issue regarding this savings account. 

To this date, XX/XX/XXXX I have not heard from Capital One regarding a resolution on this matter, by phone or mail and at this time they are withholding my funds after termination of the relationship.
Consumer complaint received 2023-04-01
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. (MD)

XXXX is in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX may not disclose nonpublic personal information to a nonaffiliated third parties. XXXX has provided XXXX, XXXX, and Experian with information without providing me the consumer with disclosure in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title. XXXX has not given me the consumer time that such information is initially disclosed, to direct that such information is not disclosed to such a third party. XXXX has also failed to give me the consumer an explanation on how I can exercise that nondisclosure option.