davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Im in the process of refinancing my home and Im scheduled to close on XXXX. I was just notified by my mortgage lender that theres an Abstract Judgement ( attached ) in the amount of {$4100.00} for a credit card debt that was placed by an attorney representing Capital One. This to me would be a violation of Section 1006.22 ( e ) ( 3 ) of FDCPA because Texas state law ( section 52.003 Property Code ) prohibits liens for credit card debt to be placed on a homestead. When I called the courthouse where the case was presented on XX/XX/2020 to inquire about the lien being placed on my homestead for a credit card debt, I was informed that the judge signed a Default Judgment ( attached ), not the Abstract Judgment that the attorney had recorded with the County Clerk. In addition to possible fraud, this could potentially be a violation of UDAAP for deceptive and abusive practices.
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was contacted by a firm called XXXX XXXX XXXX who told me I owe money on a credit card account from 2009. They said that including court costs and filing fees, I was responsible for {$6600.00}, but that if I paid them {$2000.00} today they would stop court proceedings. They did have a lot of personal information about me and even threatened wage garnishment at my current place of work, which they knew. I got increasingly suspicious and hung up to call the credit card company the debt is supposedly with ( I am still on the phone with them to try to confirm whether this is a legitimate debt ). After I hung up on XXXX XXXX XXXX, they called me four times in succession, which made me even more suspicious. I did not answer because I was on the phone with the credit card company at the time.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (DE)

On XX/XX/2018 my husband passed away. I had a problems with your bank that refused to give me any information on my husbands accounts. This bank told me that a XXXX XXXX called your bank and announced that me XXXX XXXX gave him my husbands law business. I informed the the bank that was a lie. XXXX XXXX Was listed only if he chose to purchase the law practice. But he refused. In the event if my husband died. This XXXX XXXX called the PNC bank before I chose to act on the Will, which I have not read the Will nor did I act on any executive matters because XXXX XXXX had the Will in my husbands office. I was totally breaking down and ask to speak to the manager. The manager but me out of the bank without giving me any information. This bank allowed the man XXXX XXXX into my husbands bank account and gave this man as well as XXXX XXXX the paralegal in the law practice all the information on my husbands accounts. I was very ill for days alone with the grief. I begged this bank to help me, t needed information on this account and accounts from clients. I had court probate papers. XXXX XXXX only made a phone call and your bank helped XXXX XXXX To steal my husbands law practice.
Consumer complaint received 2019-08-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO. (FL)

I went into to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX on XX/XX/XXXX I went in desperate to buy a truck to start working as a XXXX  XXXX. I had not been able to work and maintain my XXXX XXXX since I had a XXXX in XXXX and have been unable to work since then but because I am broke and was sick I was unable to reason properly against the XXXX of being able to work at at age XXXX. 

I Just had an emergency XXXX XXXX due to XXXX XXXX or XXXX XXXX XXXX which XXXX XXXX to the XXXX this XXXX was on or about XX/XX/XXXX and I was in no way physically, mentally and financially capable to take on a 72 month commitment. This XXXX took place early this year but the symptoms of XXXX   XXXX  such as XXXX and XXXX was plaguing me during this purchase It was obvious that I was not competent to enter into this contract and here is the evidence My credit is very bad, so bad that I was denied credit from every place else I went to obtain credit and I just had another truck repossession about a year earlier. 

My total income is only XXXX XXXX dollars a month and that is what the payment turned out to be. I was told that the payment was about XXXX XXXX XXXX dollars a month but it turned out to be about double. 

These clues to the dealership should have prevented me from being able to put my self at risk but I put XXXX XXXX down and that was a for them temptation to take advantage of me. 

XXXX XXXX dollars was not even ten percent of the purchase prices so it was a high risk loan and should have never been granted to a man in my condition. 


This was unfair lending practice.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AK)

I have sent multiple payments to XXXX but they have not been properly posted to my account. My account has MORE LATE FEES and INTEREST than actual charges. I was NEVER receiving statements for the account and was only able to recently access my online portal. It is not right because I made the payments knowing what charges I made to my account, then there were late fees on top of that, and it has just become unbelievable and caused me so much pain and suffering.
Consumer complaint received 2021-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

XX/XX/2021 {$77.00} XX/XX/2021 {$27.00} paypal needs another class action lawsuit filed against them they knowingly and intentionally demanded money from my credit card compaines even after i informed them of the fraud sellers i have the usps involved in this becasue paypal supplied a fake tracking number my credit card compaines have agreed to back me up on this as well paypal chose to have arbitration take the case only to h ave their attorney manipulate the situation, i have all the emails which includes paypal makin a mockery of this apparently its funny to them because they continute to get by with doin what they do. after this i am filing a complaint with attorney general as well this needs to stop paypal needs to be held accountable for their actions as well as forcign people to open an account with them otherwise they sat you cant file dispute for their fraud sellers why would anyone wan na open an account with an unsafe website as that one they also offered to allow this to go to court but they dont wan na pay the fees for me to file a civil suit case for the amoutn of {$5000.00} i also believe they pay off arbitration or they have some kind of agreement with them so that paypal wins the case was closed per some rule 9 then it wen tpot fairshake again then backl to XXXX again and now its been nothing goin on in some time now,, please CFPB help in this matter id like to show the courts that ived done all i could but i am searching for more consumers to get a class action filed so any help there would be great and apprecaiated
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2021, I send a letter to Experian, XXXX XXXX and XXXX XXXX from US Bankruptcy Cout saying they did not report to the following companies.
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC. (NY)

Constant daily telephone calls to my house for months asking for XXXX XXXX when they have no idea whether she lives here or not. They are fishing for that answer. She does not live here but they don't care. They will call and call regardless
Consumer complaint received 2021-12-15
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. (NC)

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 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was in XXXX using my credit card through Bank of America/Merrill Lynch. The restaurant we went to charged my card and said the transaction never went through and was cancelled. My wife then used her credit card to pay for the charge. I later found the charge went through while we were still in XXXX. I went to the merchant, but they refused to refund the charge. When I submitted a dispute with Bank of America, I informed them of the contact with the merchant and their response. I then provided Bank of America with a receipt reflecting the charge was paid for using my wife 's credit card and her name was on the receipt. I also provided them with a detailed report of the incident with specifics. Bank of America refused to refund without my wife 's full credit card statement reflecting the charged amount and her full account number. My wife and I keep separate accounts and wish to preserve privacy, so she has been reluctant to provide the information. Bank of America then re-charged me for the amount. The charge was on XX/XX/2019 in the amount of {$20.00} and I have evidence the charge was never paid for using my card.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

Currently, I'm going through a home refinance. Upon review of my credit information, I was advised by my lender that my XXXX 's account serviced through Wells Fargo was reporting negatively. On XX/XX/XXXX, I reached out to XXXX XXXX customer service and was advised that my account had been charged off on/or around XX/XX/XXXX. Based on the information I was advised during that call, it was due to me failing to make a payment on/before XX/XX/XXXX. 
I purchased a pair of shoes and unfortunately did not receive them in time for a trip I had planned so I returned them on XX/XX/XXXX. This was and had been the only transaction on my account in a year. During the conversation with the representative on XX/XX/XXXX, I was advised that I would have still needed to make a payment by the due date even though the item was returned and then any excess amount would have been later credited back. I attempted to return the shoes on XX/XX/XXXX, however this is one of the stores busiest times of the year for their XXXX XXXX sale and I was unable to get in to return them. 
Throughout the this timeframe, XX/XX/XXXX through XX/XX/XXXX I had not received any correspondence ( Statements ) or phone calls ( Collection attempts ) advising of an amount owed. During the conversation, the representative confirmed that records displayed the last outbound phone call to me was in XXXX of the 2020 year and that she did not know why no calls had not been attempted to collect on the balance owed. Per the representative, the only transaction amount that was due once the return was processed was the late fee for not paying by XX/XX/XXXX and the associated interest. 
It is not until just this past weekend, XXXX XXXX XXXX or shortly prior that I have received a statement stating I have an amount owed of XXXX due on XX/XX/XXXX and another letter ( dated XX/XX/XXXX ) stating my XXXX XXXX account has been closed due to terms violation. 
Had I received statements or even a phone call to notify me of the amount due, I could have made a payment to cover the amount, preventing from the account reporting negatively to the credit bureau and ultimately being charged off over a late payment fee and interest.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of 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 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ANI International, Inc (FL)

This letter is a formal complaint against ANI International Inc. in regards to excessive and abusive phone calls. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite me telling the representative named XXXX XXXX who claims to be an attorney that this is a private number he insists that he will keep calling me. 

REASONS FOR COMPLAINT : I have never done business with ANI International Inc. 
I never gave out my personal phone number to be contacted by ANI International Inc. 
That being said, I feel as though I am being viciously attacked by this company and my consumer rights are being violated left and right. I'm well aware of other previous complaints against this company. So my question is, where does it stop? And does your commission have any plans to prevent unlawful business practices such as this from happening in the future? 


If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter.
Consumer complaint received 2021-12-15
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. (TX)

HELLO. MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN A XXXX LOAN, THEY ALSO MADE PAYMENTS ON THIS ACCOUNT TO COVER IT UP. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX. XXXX XXXX XXXX  OPENED : XX/XX/2009 XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

I had fraudulent charges on my card on XX/XX/XXXX for {$1000.00} and {$200.00}. I called Citi on XX/XX/XXXX to dispute the charges. I was told the card would be reissued and the charges credited. However, the charges were not credited. I called again today to follow up, and I was told that the investigation reported that I needed to contact another department in Citibank called " Citi One ''. However, despite calling multiple phone numbers and being transferred multiple times, I have been unable to locate someone who is able to remove these unauthorized and fraudulent charges from my account.
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Transaction issue — 
Company: TD BANK US HOLDING COMPANY (FL)

I used my Target M/C red card which is supposed to get me a 5 % discount on target purchases. I made a {$23.00} purchase on XX/XX/2015 and they only gave me a {$0.00} credit and said it is 5 %. I also noticed that they are not collecting the correct amount of tax which is 6 % in Florida as they only taxed {$18.00} of my cat food purchase of {$23.00}. I suspect this has happened on all of my target red card purchases for the past 5- years.
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BCB Investments LLC (IL)

Alliance collection agency has repeatedly responded to my previous complaints saying that I owe a debt that they have not verified. This is against the FDCP and the FCRA and needs to be removed immediately. I have attached to this complaint the full court document showing different amount being collected as well as evidence showing that it has been dismissed with prejudice. This will also be forwarded to the Credit Bureau for removal as well.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2021 I received a letter from XXXX XXXX XXXX XXXX in regards to my unemployment funds that were not deposited into my bank account. That letter stated that the funds were deposited into an account that belongs to Wells Fargo Bank NA, and that the NYS DOL is unable to retrieve payments once they have been received by a bank. I was to present this letter to the bank as confirmation that those payments were meant for me. The total amount of funds that were deposited into the fraudulent account are {$2400.00}. That same day I went to the only local Wells Fargo Bank and met with the branch manager, XXXX XXXX. I presented him with the letter and documents to prove my identity. I also have an auto loan through Wells Fargo which he also used to help identify me. Upon review of my information and the account listed in the letter from NYS DOL, he felt comfortable enough to write me a letter stating that the account listed in the NYS DOL letter does not belong to me. I also went to my local police department and filed a police report in regards to the funds that were deposited into a fraudulent account. 

After over a year of going back and forth with Wells Fargo and them opening complaint after complaint ( at least XXXX by now ) and them closing each complaint stating that I did not submit enough or failure to provide new information proving that the funds are mine I've decided to stop paying my car loan which I owe around {$6600.00} on. Wells Fargo is extremely uncooperating and unwilling to help me retrieve my funds.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

This involves a debt buying company called National Credit Adjusters. They purchased a closed credit card account from XXXX XXXX XXXX. XXXX closed the account and took it off of my credit report as it was identity theft. I provided ALL of the necessary documentation to have it removed back in XXXX. It was also blocked based on the FCRA section 605B. As soon as I saw this reappear on the credit report through National Credit Adjusters, I immediately disputed it. That was in XXXX. I have sent the information to all three credit reporting agencies AGAIN AND AGAIN AND AGAIN. National Credit Adjusters will not remove this account. I have written them numerous letters over and over again and the only response received is that the credit report adds a statement saying I dispute the account and National Credit Adjusters states VERIFIED AS ACCURATE. They have NEVER shown me the information received from XXXX XXXX to VALIDATE NOT VERIFY the debt. THIS IS NOT A VALID DEBT. XXXX XXXX knew it so why cant this debt buyer follow the same laws and block this from reporting. I have informed them over and over again they are violating FDCPA, FCRA and FACT. They just dont seem to care.
Consumer complaint received 2022-10-15
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. (GA)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX US DEP ED : XXXX, USDOE/XXXX : XXXX, US DEP ED : XXXX XXXX US DEP ED : 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 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.