davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

CAPITAL ONE BANK IS REFUSING TO INCREASE MY CREDIT LIMIT AND HAS ALLOW A FRAUDULENT TRANSACTION WITH XXXX TO PROCESS OF MY CREDIT LIMIT AFTER MULTIPLE DECLINE NOTICED REGARDING THE CREDIT LIMIT.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I have now received 2 collection letters from a law firm in XXXX XXXX, TX regarding 2 unpaid parking tickets. Offense dates were XX/XX/XXXX and XX/XX/XXXX and reference a vehicle I did not own. After the first collection letter in early XX/XX/XXXX, I was told by the agency that I must contact the city of XXXX XXXX to get myself taken off the list. I did contact the city and after reviewing my documentation the city agreed I did not own the car and that I would be removed from the complaint. The city sent me an email on XX/XX/XXXX releasing me from liability. The second collection letter was received XX/XX/XXXX threatening to boot or tow my car if I did not pay the fine plus penalties
Consumer complaint received 2021-03-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is not my loan. I have the title to the vehicle they claim is being financed. I have spoke to the XXXX there is NO lien on my title. I did not create this loan. Capital one Auto finance has refused to take this off my credit.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

Approximately XXXX years ago, my landlord ( XXXXXXXX XXXX ) and its management company ( XXXX ) attempted to increase retroactively the rent on my apartment by {$500.00} per month, in contravention of the amount set forth in, and the terms of, my lease. I immediately disputed their attempt and pointed out the provision in the lease documents that expressly stated my monthly rent amount. XXXX ignored the documents and, when I moved out of the apartment 6 months later, they continued to attempt to force me to pay the aggregate {$3000.00} that they created out of thin air. 

Earlier this year, after multiple emails and phone calls over the past XXXX years in which I repeatedly provided XXXX employees with the lease documents proving I did not owe the amount they alleged, XXXX XXXX hired a debt collection agency named Columbia Debt Recovery dba Genesis to attempt to collect the alleged debt. Genesis filed a collections account with XXXX ( and presumably the other credit bureaus ) asserting that the alleged amount was owed and in collections. 6 weeks ago, when I checked my credit report and first saw the so-called collections account, I immediately called Genesis to inform them that the amount was not owed, per the terms of my lease. At that time, I emailed to Genesis copies of the lease documents and the ledger that I received from XXXX showing their fraudulent attempt to increase my rent. I have had numerous emails and phone calls with Genesis in the past several weeks, during which, among other things, an employee of Genesis confirmed that the lease documents prove that I never owed the amount asserted.

I have repeatedly asked Genesis to contact the credit bureaus to remove the collections account. As of this afternoon, they have yet to do so, notwithstanding their knowledge that the alleged debt is false and my informing them that they were violating, among other things, the Fair Debt Collection Practices Act by continuing to attempt to collect a fraudulent alleged debt. I have also repeatedly asked to speak to XXXX and/or Genesis legal counsel, as the lease documents are clear on their face ( and I happen to be a licensed attorney ), to no avail.

I have attached the lease renewal form which shows the legal amount of my rent, as well as the ledger XXXX provided me that evidences their fraudulent attempt to increase my rent. The lease itself is too large to upload, but I am willing and able to provide you with that document, as well. Upon request, I will also provide all email correspondence with XXXX and Genesis over the last XXXX years. 

Thank you.
Consumer complaint received 2023-07-23
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NM)

PNC took control of XXXX accounts on XXXX. Since the takeover, I have not been able to access my money in multiple personal and commercial accounts. I have {$3.00} XXXX in accounts in multiple states that are inaccessible to me. I have gone to the local branch they couldn't access my accounts and could not offer assistance. I have waited for 2 hours on the hotline only to be redirected to Managers that could not be of assistance. We have followed every protocol provided by PNC and still can not access our accounts. We have spoke directly with a VP of customer relations, XXXX XXXX, at PNC who said that there is no resolve in sight. We understand that this is affected thousands of other PNC customers. I need access to my money for my businesses.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. The following inquiries must be removed from my credit report : XXXX XXXX  || Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX  || Date of inquiry : XX/XX/year>
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield & Associates is attempting to collect a debt from XXXX & XXXX XXXX. The debt is not valid. I've repeatedly requested a XXXX XXXX XXXX from Wakefield & Associates. They refuse. Additionally, I have already responded to XXXX via letter disputing the alleged debt. 

I hired XXXX & XXXX XXXX to collect my trash. They didn't show up 3 weeks in a row, so XXXX investigated & returned my stolen money to me. XXXX & XXXX then rebilled me for the exact same amount I was just found not responsible for.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BERKSHIRE HILLS BANCORP, INC (MA)

I paid my mortgage payment on XX/XX/01 in the amount of {$2000.00}, the payment was received and Berkshire Bank held the payment and did not post because of an increase in escrow. The bank made no contact with me to make me aware of the {$23.00} shortage due to the increase until XX/XX/01. I paid the {$23.00} to make the payment whole immediately electronically, Berkshire Bank had initially reported the entire payment 30 days late, theyve since reduced it it the {$23.00} delinquent and I do not agree with it to be late. Had they contacted me sooner, I would have paid it sooner and as it stands payment being made on XX/XX/XXXX with a XX/XX/XXXX due date is not over 30 days delinquent. I have had my mortgage with them for over 15 years and I think that I was late one time over ten years ago. It is a shame to have to be put through this but the negative impact to my credit is worth protecting. Ive enclosed my loan statement showing the transaction history as stated above. Thank you in advance.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

According to 15 USC 1666b, timing of late payment, They did not have the verbal or written consent to furnish late payments on my credit report. 
Account name : XXXX XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXXXXXX XXXX  Account # : XXXX.
Consumer complaint received 2019-08-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I have been paying XXXX XXXX every month and I am so called current after paying them for a year. I took out the title loan in XX/XX/2018. What's insane is that I have tried to settle and they tell me after paying over 3000 that I would need to pay atleast an additional XXXX. Which is the total price of the loan. I am a XXXX vet and a single father of a XXXX year old. I'm on a fixed income and took out the loan because of an emergency. However. They threaten to repossess my car after being 2 weeks late. Also they ask me the reason I am late and I tell them my issues and they don't try to work anything out. I'm stressed and this situation isn't getting any better. I'm current but I'm being charged $ XXXX/day if I'm late but am told that I have a 10 grace period. It's not a grace period and different people tell me different things when I call. The agents told me that they are not supposed to send me my bill and what is exactly owed. I was finally provided that document II can't keep paying {$310.00} a month for years to come. I have already paid the loan with over {$400.00} interest which seems to go up every month. 
I was also told my interest rate would be at 7 % but apparently its over 140 % plus late fees!!!. I still owe the amount I started with because of the interest and late fees.
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (KY)

On XX/XX/2021 I received a letter from XXXX XXXX XXXXXXXX XXXX XXXX about a collection that they claim I owe them .. To the best of my knowledge I am unaware of this debt and I asked in my letter that I mailed to them certified XX/XX/2021 and i asked repeatedly in my letter for a request for validation and instead of honoring my request this company reported this unknown and unverified debt to the credit bureaus ( XXXX ).
Consumer complaint received 2018-04-25
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. (CA)

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXX and on XX/XX/XXXX are still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2021-10-20
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. (GA)

Experian continues to verify an account that is reporting inaccurately by using public records data. Ive pointed out to Experian several times the information is incorrect and every dispute comes back as verified and updated but has no change in the account information whatsoever. XXXX has honored the discrepancy and removed the account. Experian needs to do the same because this account is fraudulent and various inaccuracies.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

A fraudulent report was issued to Chase Bank against XXXX XXXX, brother of Joint Account holder XXXX XXXX, who has a joint account with XXXX XXXX. XXXX XXXX discovered that XXXX XXXX was fraudulently transferring money from his mother 's joint account to his personal account, for his personal use. 

XXXX XXXX filed a Power of Attorney and a medical disclosure letter from a XXXX stating that XXXX XXXX has XXXX XXXX. Accounts were locked down from ATM usage, check writing and transfers. Three tier passwords were set to prevent XXXX XXXX from taking money from the joint account of XXXX XXXX and XXXX XXXX. XXXX XXXX took his elderly mother into the branch and closed the joint account of XXXX XXXX and XXXX XXXX and redirected all of XXXX XXXX 's direct deposits to the single account of XXXX XXXX. The XXXX XXXX of Chase Bank allowed this to happen without clearing the passwords on the account, Assumingly due to XXXX XXXX presenting a new Power of Attorney that XXXX XXXX could not have executed in sound mind or judgement. 

When Chase was contacted regarding the fraudulent activity, they said there was nothing they could do. Chase was contacted at the very least 15 times via phone and visits to physical branches to prevent this fraudulent activity. 

XXXX XXXX informed Chase that this is a direct violation of Regulation E and considered this activity to be Elder Abuse. Nothing was done to protect XXXX XXXX 's money. XXXX XXXX currently has full control of XXXX XXXX 's funds to abuse as he sees fit.
Consumer complaint received 2018-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have subimitted several disputes of information in regards to XXXX XXXX credit card accounts showing incorrect payment information ... the credit report refuses to let me dispute again stating they have investigated and the information is valid ... my problem is I received a letter from XXXX XXXX that confirms that didnt provide any information to the credit bureau in regards to the dispute ... thus the credit bureau is luring it hasnt perform a valid investigation
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (NY)

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2014 Balance : {$13000.00}
Consumer complaint received 2021-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AK)

This collection was reported to my file in error of someone with a similar name but different address. I contacted LVNV in attempt to correct and the representative was only willing to mail an affidavit which I never received. The representative was not willing to verify my identity as incorrect even after my SSN was not on file with an account they hold. Credit bureaus are working to remove this error. This is a time sensitive matter as I am in the process of closing on a home when this error appeared and is affecting my loan terms. Companies should be held accountable for misreporting consumers information and all verifications of identity should be thoroughly checked as many people share similar names.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX Date- XX/XX/XXXX XXXX  XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX| Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX Date- XX/XX/XXXX XXXX XXXX XXXX || Date- XX/XX/XXXX
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

TO : XXXX XXXX XXXX & Planet Home Lending LLCCC : ConsumerFinancial Protection Board RE : XXXX # XXXX / Planet Home Loan # XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXBorrowerName : XXXX XXXX XXXX I refinanced my Chase mortgage with XXXX XXXX.At the time of signing my loan docs, I set up auto pay with XXXX from my Chasechecking account.As my first payment ( XX/XX/XXXX ) got near I contacted XXXX to find out if the Auto Pay was set up so I would not have to mail in a check.After many attempts, I was assured it would be fine but come XX/XX/XXXX the payment was not withdrawn.I immediately contacted XXXX and they said it was fine. It would just take a few days to show up in my bankaccount.I again contacted XXXX who said not to worry, just be patient, it will clear.Finally, on XX/XX/XXXX the auto pay hit my XXXX account for {$2900.00} ( ID # XXXX ) and I figured- ok, they finally got it right - problem solved. 
WRONG - problem just begun. 
On XX/XX/XXXX I got a letter from XXXX XXXX : NOTICE OF SERVICING TRANSFER - The letter was dated XX/XX/XXXX! and informed me to send all payments due on XX/XX/XXXX and after to Planet Home Lending - this is some 2 weeks AFTER my payment was due and obviously after it was PAID.The letter also stated XXXX will stop accepting payments after XX/XX/XXXX ( a lie, XXXX XXXX did an ACH debit on XX/XX/XXXX as noted above ) .The letter went on to say " if your payments are automaticallydeducted from your checking account, XXXX  will discontinue this service as of XX/XX/XXXX '' - again a LIE, they did charge me and again this letter was written a week+ after this deadline. 
As for the folks at Planet Home Lending, they are no better, perhap worse.They sent me a letter ( to the wrong address ) dated XX/XX/XXXX ( from CT!! ) " IMPORTANTLEGAL NOTICE '' that as of XX/XX/XXXX XXXX be transferred to Planet Home lending - Again the transfer was WEEKS ago! 
I called XXXX on XX/XX/XXXX and first corrected their mistaken mailing address. Then I asked about the status of the XXXX payment- they showed no payment made and that I would have to contact XXXX. They could not help, had no records etc. The rep I spoke to struggled to speak English and could see nothing in my file. 
I did send in the auto payform to Planet yesterday but I have little faith they will receiveand process it in time for my XXXX payment AND since they are unaware of my XXXX payment having been made- they will likely incorrectly apply it to my XXXX balance and try to charge me a late fee. 
I am filing this complaint with the CFPB as I have zero faith that either of these entities, XXXX or Planet, will correct all of theircompounding failings. 
Please respond ASAP, before we reach XXXX and it gets even more screwed up. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe.