davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX  XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX  XXXX XXXX Balance XXXX : XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX 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 2020-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

On or around XXXX I started paying additional on my mortgage each month this continued into XXXX. Although it was written as one check ; I fully expected that the additional would appropriated accordingly. Instead it was placed and held in a " suspense account '' to the tune of almost {$10000.00} over the years, of which I knew nothing about. Some was credited to my escrow account ; Which created large surpluses that WERE NOT REFUNDED back to me, but again placed into a suspense account. examples below : XXXX XXXX - {$1200.00} Surplus Placed into a suspense account XXXX XXXX - {$1700.00} Surplus Placed into a suspense account XXXX XXXX - {$960.00} Surplus Placed into a suspense account XXXX XXXX - {$900.00} Surplus Placed into a suspense account In addition to the above I paid roughly {$5000.00} more that was credited to the suspense account. The statements that I was given by PNC Mortgage after demanding an audit of my account show no disbursements from this mysterious " suspense account '' that I knew nothing about, and never received so much as a statement for. I have in-fact contacted PNC on numerous occasions. Most recently I was referred to their executive client relations team. In the 18 months since I was put into contact with t Executive Client Relations they have offered nothing but excuses, and outright misinformation at all levels of their firm as to a solution to the problem. This issue is stll yet to be resolved. It is my hope that working together we can reach a solution, and prevent this from happening to consumers in the future, and help those that may have similar experiences.
Consumer complaint received 2021-11-16
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. (MS)

I declare that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to file this dispute. The items found within my credit report that I listed on the following pages are not related lo any transaction that I made, I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the Federal Trade Commission which I have attached to this letter. In addition, I have also corresponded with the agencies and creditors listed. The respective agencies have been very cooperative with me and have guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you do so for. I want to make it clear that I am not making this request in error I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Opened a credit card with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Account went negative and was charged off in XX/XX/XXXX, however, current report shows account as " revolving '' and " failure to pay '' month after month, despite being charged off by XXXX. 
Further, attempts to reconcile this debt have gone unanswered.
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (IL)

On XX/XX/2020, a representative from ERC spoke at legnth with my spouse regarding the alleged debt they claim is owed. This is in violation of 15 U.S. Code 1692b.regarding the disclosure of a debt to a third party. I have since mailed a cease and desist letter to the company and asked for validation of the debt.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This account was paid in full to XXXX XXXX on XX/XX/20 in the amount of XXXX. It was paid directly to XXXX XXXX XXXX and not a collection agency. The account is paid in full and has a XXXX balance. I have verified this several times with Equifax and they refuse to correct the information. XXXX XXXX has also refused to verify the correct information with Equifax as well.
Consumer complaint received 2017-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I have funds in my paypal account, and they will not release my money until 180 days. MY account #  XXXX  XXXX  XXXX . I have {$440.00} in there.They were suppose to release funds after tracking and proof of delivery. I have provided them with all and they still holding my funds till 180 days
Consumer complaint received 2022-10-08
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. (IL)

I have inquires on my credit that I do not recognize and they need to be removed now. they are all included below and on my ftc report, that are from ( XXXX XXXXard services ), ( XXXX bank, ) ( XXXX XXXX XXXX ), ( XXXX XXXX ) ( XXXX )
Consumer complaint received 2017-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA is practicing unfair   auto loans, interest is added to your loan daily which is NOT on your loan contract. Santander als o cons their customers into making their payment turn out to be late despite being made on time by taking extra long during their processing. All  XXXX  of my car payment have all been applied towards interest only. My auto loan has decreased a total of {$50.00} in 3 years! Please help do something about this company! I am begging! I have paid almost {$14000.00} on this loan and I am currently {$12000. 00} upside  down! I am unable to trade in the car to get a new car now that my credit is great. Please help me get this rectified so that my principal balance is lowered and I am able to get out of this horrible situation!
Consumer complaint received 2017-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

An account was opened in my name and countless transactions were made between  XXXX   XXXX  and  XXXX   XXXX . The charges were over {$30000.00}. I have been unsuccessful in attempts to ge t Capital One to resolve this issue. Capital One  was sucking money directly out of my  XXXX  account. I am trying to recover as much money as possible. A police report has been filed.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Hi To whom it may concern : On XX/XX/2022 I received my SOCIAL SECURITY INCOME DIRECT DEPOSIT In the amount of {$1000.00} I had some funds available so total {$1200.00} then I transfer {$600.00} to my savings account so left the balance of {$680.00} so i made a payment to my QUICK SILVER CREDIT CARD That i have with Capital One in the amount of {$250.00} wish the claim that when they tried to withdraw the funds from my checking account is was insuficient funds in the amount of {$190.00} but still the available was not showing in my account money dissapear mistyriously. Also I made a payment on my Electricity in the amount of {$79.00} and the claim it was insuficient funds as well. My brother alert me that it may be hackers who transfer the funds. And the bank should be responsible for the money and replaced it to me. Capital One closed both credit card but did not replace the funds back to me eventhough I call to file a claim with the claim department on XX/XX/2022 and another payment in the other credit card also with Capital One in the amount of {$150.00} wish they received This is all for now. until this day I did not received my funds back to my checking account so I call the Social Security Administration Office and alert them to change my direct deposit. I don't trust any of these banks expecially if they are not responsible for fraude or hackers teft. 

XXXX XXXX
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had to close down my Capital One checking account in XXXX due to ID hacking. While I was closing down my checking account someone had already charged {$6000.00} on my Capital one credit card so I paid it in full and destroyed it. 

Today is the second offer sent to me in the name of XXXX XXXX. XXXX and I was told I owe {$1900.00}. I have told all credit card companies multiple times that they need to block my accounts ; I put freezes on all the credit bureaus. Consequently, someone else named XXXX XXXX. XXXX is getting multiple offers for pre approved credit cards using my address ; this needs to stop. 

XXXX XXXX
Consumer complaint received 2018-03-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One Auto Finance was compensated for the loan on account number XXXX. 

Capital One Auto Finance is still reporting at the State of Michigan Secretary of State that it has outstanding lien on the vehicle.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (NV)

I was visiting a friend who was visiting from out of town and I got out my car walking to the hotel and 2/3 people walked up and punched me beat me and pulled a XXXX on me and demanded my purse which had my id in my purse with my address on it my cell phone with the passcode number on it and PIN numbers to debit card and was told if I didnt give them my PIN numbers they would kill me right now and go to my house and kill my family I have children at home so I did what they asked because who want to lose they life over miscellaneous meaningless stuff and they ran off somewhere. After they left I got up and immediately drove home to my family and then went to the hospital. I was told to file another report because they couldnt find my original report when i called for another copy of the report because i misplaced the first report as well! 


I contacted Navy Federal on XX/XX/2021 and they denied my claim the XX/XX/2021, following day, claiming they saw no error on their end when it takes more than 4 hours to complete a claim. They denied me a provisional credit because they denied it. I sent over my police report now no one can give me any information everyone is rude and that was my savings because I escaped an abusing relationship in XXXX XXXX Mo so I came to XXXX XXXX Nv to get away from him and now I got mugged and now Im without money to take care of my children of XXXX which one is XXXX my lights is currently shut off due to none payment because the money that was stolen was for bills rent and to take care of my children I reopened a secondary review and they wont provide me with a provisional credit now because they denied the first fraud claim Im in a financial bind and cant provide for my children and have an eviction notice because I cant pay rent.
Consumer complaint received 2021-04-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (FL)

I entered into a consumer credit transaction with Regional Acceptance Corporation. I received a response from my CFPB complaint from that this account has been placed in cease and desist and it had my auto contract and monthly payments attached. After investigating my auto contract, I noticed there is a finance charge. Pursuant to 15 USC 1605, a finance charge shall be determined as the sum of all charges. Also, pursuant to 15 USC 1605 ( b ), my auto insurance should be included in the finance charge, I was also never informed of my right to rescission as well pursuant to 15 USC 1635. According to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ), I am owed double the finance charge. According 15 USC 1611 ( 3 ), I am owed {$5000.00}. According to 15 USC 1635, I am also owed any earnest money or down payment I used during this consumer credit transaction.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent reports to all three credit bureaus three times and explained to them that my name is reported incorrectly. Here 's the list of inquiries : Item 1 : My name is not correct on my credit file. The correct name is XXXX XXXX XXXX Please remove 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. Please correct the information that is on my report because it is incorrect. 

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 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 not authorize or open any new account with this vendor. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help in this matter.
Consumer complaint received 2019-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (WI)

I was making automatic payments of {$200.00} toward a balance transfer offer. When the offer expired I transfered the remaining balance to another company. I called Discover and they said the auto payments would stop since the balance on the card would be XXXX. Little did I realize the payments continued from XX/XX/XXXX through XX/XX/XXXX. Once I realized what was going on, they said the auto payments were for XXXX XXXX because of a balance on the card. When I told them Ive conferred with my bank and they said the payments never stopped, Discover them said they wanted the statements. I dont feel I should have to send them my confidential information. I want a cash refund of the amount they should have not taken ( {$1400.00} ) from my account, including interest.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my capita l one payment for the month it was declined because of the erroneous purchases. I paid capital one immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted Capital One and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Capital One is acting UNREASONABLY, as i have had the account si nce  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On or around XX/XX/2021 I took out a loan with XXXX in the amount of {$1800.00}. I was making regular payments until XX/XX/2021 when I made a payment in the amount of {$1700.00}. I had two " fixed finance charges '' still left to pay at this time. On or about XX/XX/2021 I got an alert from XXXX XXXX that my credit score had gone down due to a 30 Day delinquent payment from XXXX. On XXXX XXXX I received an email from Mobiloans informing me that I am not 30 days late, I am only 24 days late ( attached hereto ) at the time of the reporting I would have only been 12 days past due, yet they still reported to both Transunion and XXXX that I was 30 Days or more delinquent. It should be noted that you can not make ANY payments on their website if you are more than 1 day late, calling them gets you put on hold for an indefinite amount of time, and emailing them gets you an automated response telling you they believe they have resolved the issue. I have been calling and emailing since Early XXXX trying to get my account figured out and they refuse to communicate and do things like report you to the CB 's. When you do get someone on the phone or by email, they tell you they " can't help you because it's only been x amount of days '' the second time I reached out I was only 9 days past due and they refused to assist me. I can't attach the emails I sent because they are all done through their website and you don't get copies of those. This is not the first time they have screwed up with my account.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NV)

We refinanced our home in XX/XX/XXXX. BSI Financial was assigned to service the loan. The first property tax they were responsible for paying was due XX/XX/XXXX, in the amount of. They failed to pay the tax and I had to call them twice. The bill was finally paid on XX/XX/XXXX. BSI did cover the delinquent penalty of {$56.00}. XXXX did pay the next quarterly installment of {$1400.00} due on XX/XX/XXXX, posted by the County on XX/XX/XXXX. The next quarterly installment, {$1300.00}, was due XX/XX/XXXX, and deducted from our escrow account on XX/XX/XXXX. The County never received the payment. I called BSI on XX/XX/XXXX, was told they mailed the check on XX/XX/XXXX and they would look into it. I checked the County website again on XX/XX/XXXX, the taxes had still not been received. I called BSI again after I checked the County website and spoke to XXXX, who put me on hold to go talk with someone in the Escrow Div. She told me they were aware the County did not receive the payment and that a check would be expedited. I kept checking the County website, no payment received. Waited two weeks, called BSI, XXXX on XX/XX/XXXX. She put me on hold and pretty much lied to me that they just became aware of the problem. Today XX/XX/XXXX, no payment.
Consumer complaint received 2019-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: INTERIM CAPITAL GROUP, INC. (IN)

This debt was originally filed in XXXX. Upon trying to refinance our home, this judgement that is past the Indiana statute appears. Who ever the original creditor is I am almost positive was included in my bankruptcy. Also, looking at the docket, in XXXX and XXXX, they filed employment discoveries. I have no idea who this company is but they need to stop attempting to collect on an old debt.
Consumer complaint received 2017-05-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (GA)

I received a letter from CFPB on  XXXX   XXXX ,    2015 because I may h ave been eligible to receive a payment of at least {$300.00} from a legal settlement with Ally Financial Inc .     On  XXXX   XXXX ,    2015  I submitted the required signed Ally customer participation form and emailed a copy to  XXXX  XXXX  XXXX  and mailed the original form to  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX .     However I never received any follow-up letter nor payment from Ally Financial Inc .