davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

My cell phone was taken, my password was compromised, a finger print was added to my device to access my saved passwords and then used those passwords to log into my bank account and transfer funds in the amount of XXXX $ USD to someone using Zelle. I reported the fraudulent charges to my bank who then forced me to close my checking account and open a new one only to deny my fraud claims. I am unsure as to why it was required to secure my account but then deny my fraud claims.
Consumer complaint received 2018-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They have identity on all 3 of my credit report XXXX, trans union, XXXX credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX   XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (MD)

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I checked my credit report on XX/XX/2019 and noticed that a fraud alert had been placed on my file without my knowledge nor authorization. I sent a letter via certified mail along with my driver 's license on XX/XX/2019 requesting for the fraud alert to be removed. I received a letter from Equifax dated XX/XX/19 basically stating that they reviewed my current address and added it to my profile. They did not state that the fraud alert had been removed as I requested.
Consumer complaint received 2021-10-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have a XXXX XXXXXXXX XXXX with {$120000.00} in it. When I log into my Capital One online portal, the label on this account says : " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I have called this number many times. Starting Friday XX/XX/, I spent 45 minutes on hold before I finally hung up after being transferred 3 times. On Saturday XX/XX/, I called 2 times. I was on hold for 35 minutes the first time ( after being transferred a bunch of times ), then I was on hold for 55 minutes the second time, after being promised that my call would be taken even though they stopped taking calls at XXXX and I had called at XXXX. 

Then I called on Sunday XX/XX/XXXX and got a general customer service person who told me the department I needed to talk to was closed because it was Sunday. 

I called on Monday XX/XX/XXXX and asked to speak to the fraud department. They said they couldn't find any information about why my account was " not available for withdraw '' and that they needed to transfer me to a different department ( which they refuse to tell me what this department is ) and that department is not in the office today because it's a federal holiday. I asked for them to mail me via US postal mail an explanation of why they have essentially stolen my money. They said that's not possible. The only way for me to get any more information is to continue calling and getting placed on hold for hours and getting hung up on and transferred all over the place. 

I'm starting to get the feeling that they are just giving me the run-around and have no intention of telling me why my account is " not available for withdraw ''.
Consumer complaint received 2021-12-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I, XXXX XXXX XXXX, I am the consumer, natural person, original creditor. 

It has become a great concern of mine with how I am being handled and ignored by the alleged debt collector, Carrington Mortgage Services. They refuse to abide by federal consumer laws. They blatantly ignore the laws presented to them as if they are beyond the laws. The Fair Debt Collection Protection Act was created by Congress to protect consumers from abusive debt collection practices. Carrington Mortgage Services have invaded my privacy on many occasions. They have ignored the Debt validation letter I sent them on XX/XX/XXXX. They are still sending me communications via the mails. I sent an Affidavit on XXXX XXXX, 2021. It was received on XXXX XXXX, 2021. They have yet to respond to my affidavit. They sent a letter requesting a copy of my driver 's license. They have been communicating with me without that information. It hasnt stop them from sending mail before. But when I asked for the name and address of the original creditor, now they need a copy of my drivers license. I do not trust this company. I think they will go to great lengths to hide their fraud, not to mention Its a delay tactic. 

Carrington Mortgage Services continue to ignore the federal laws as it pertains to debt, I received ( 6 ) envelopes on the same day with " A notice to Occupant of Pending Acquisition ''. That is blatant harassment and abusing the debt collection practices. They are nothing more than the servicing agent and have no authority to foreclose. This loan was sold several times and it was also placed in XXXX which means the alleged loan was converted to a stock along with being bundled up with thousands of other loans. It is a huge deception to receive payment from the homeowner, and the loan was satisfied 30 days after the closing. Again, it is no longer a loan but it has been converted to a stock. 

I have repeatedly asked for the name and address of the original creditor. They refuse to provide this information. This information will solve the issue. 

I am requesting your assistance in getting this matter resolved. I have attached the Debt Validation letter and the Affidavit for your review. 

Please let me know if you desire more information. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

When opening my checking account with Chase Bank I chose to opt out of any overdraft protection. Back on XX/XX/XXXX I had an available balance of {$9.00} and a debit card charge for {$310.00} came thru on my account which. A used me to be over - {$300.00} overdrawn, but they should have never allowed the transaction to go thru. They allowed 3 more Separate transactions to go thru on XX/XX/XXXX & XX/XX/XXXX while my account was already overdrawn- {$300.00} and then charged me a {$34.00} NSF fee for what they called a " recurring debit charge '' from XXXX which in fact isn't a reoccurring charge at all. Any XXXX charges are random different amounts and not on any set schedule. I then made a deposit into my account which covered any negative balance. I also sent an email message to them at this point expressing my dismay and reminding them my account was opted out of overdraft protection. Then again on XX/XX/XXXX they allowed transactions to go thru on my account causing it to be become overdrawn again. They allowed 4 separate debit card transactions thru, and then access 2 {$34.00} NSF fees on the account as well creating it to go even further negative. Again stating it was for " reoccurring debit card purchase '' for an XXXX transaction that's clearly not a reoccurring purchase. They continued to do this for 8 more debit card transactions on XXXX, XXXX, XXXX, and XX/XX/XXXX. So I again messaged them expressing my concerns for the way they were handling my account as I had chosen to be opted out of any sort of overdraft protection. 
So because they realized they messed up they credited my account on XX/XX/XXXX for {$34.00} for one NSF fee they took out previously and also credited {$10.00} for reversal of some ATM fees as a courtesy for their mistake. This still left my account over - {$400.00} overdrawn. They're still continuing to allow transactions to go thru on XXXX, XXXX, XX/XX/XXXX. So as of today XX/XX/XXXX my account is overdrawn over - {$750.00}. from continually disregarding my choice to have my account opted out of overdraft protection and multiple NSF fees assessed. None of these transactions should have ever been allowed thru/paid. There is no way I can cover this large of an amount to bring my ( only ) checking account to a positive amount. And the fact remains I shouldn't even have to cover this as these transactions should have never been allowed thru/paid. Now because of their wrong actions I'm going to be a sad statistic included in the 22 % of Americans who are unbanked, when I shouldn't be.
Consumer complaint received 2022-08-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MS)

There is a collection that is re-aging on my credit report in the amount of {$500.00}. I knew nothing of this until it surfaced on my report. The original creditor is XXXX XXXX, but since then I assume it was sold to NCA. I've tried calling, leaving messages, disputing etc. No action.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Please reference case complaint number XXXX Capital One is again sending mail to a previous tenant who has not lived here since at least before 2020, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX even though Capital One knows from my previous interactions with Capital One that this guy doesn't LIVE HERE FOR OVER THREE YEARS. AND CAPITAL ONE SAID ONLY THINGS ADDRESSED TO ME WOULD BE SENT AND THEY WOULD REMOVE ME FROM MAILING LIST SO NOTHING FROM CAPITAL ONE SHOULD EVER BE SENT TO ME LIKE THIS CAPTIAL ONE IS HARRASING ME and violating the privacy and PII of XXXX. Yet again. Which I have informed them of for SEVERAL YEARS.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Equity Auto Finance, Inc. (FL)

Equity auto finance Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$0.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2020-12-14
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

I am writing to appeal the permanent limitation on my PayPal account, which I believe was placed in error. My account email address is XXXX. 

Firstly, I would like to express my deep concern regarding this limitation as I have not violated any PayPal policy. I have always complied with the terms and conditions of PayPal and have never been involved in any fraudulent activities or violated any policies. 

I am confident that this limitation has been placed on my account as a mistake. I strongly believe that my account has been mistakenly flagged for a violation, and I would like to request PayPal to re-investigate my case. I am willing to provide any necessary information and documentation to support my appeal. 

I would appreciate it if PayPal could restore my account as soon as possible, as this has caused me significant inconvenience and financial hardship. I understand that PayPal has a responsibility to protect its users and prevent any fraudulent activities, but I assure you that my account has always been used for legitimate transactions. 

In conclusion, I respectfully request that PayPal review my case and consider reinstating my account. Thank you for your time and attention to this matter.
Consumer complaint received 2022-02-05
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. (NY)

XXXX XXXX XXXX Is reporting XXXX XXXX on time and closed. This XXXX  account, ( s ) is old and should not be on any credit profiles XXXX Experian and XXXX. XXXX is being reported muliple times.
Consumer complaint received 2019-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have student loans that were previously serviced by XXXX XXXX from XXXX-XXXX. The servicer changed from XXXX XXXX to FedLoan. Fed loans only documented my payments with them but not XXXX XXXX, leading 2 years worth of qualifying payments for PublicServiceLoanForgiveness program, being lost to the record. 

I have contacted XXXX XXXX, which did not provide me with those records after several months of effort. 
I have also contacted FedLoans (XX/XX/XXXX ), who says they will do a manual count of the documents, but it has been 5 months now. I have tried to follow up several times, with automated replies. 

I have complained about XXXX XXXX before, in an attempt to obtain my record but have not been successful. If this attempt is unsuccessful, I will start writing to my representatives and senators and complained about the ineffectiveness of the Consumer Financial Protection Bureau to confront these companies and obtain accurate records of my payment history. I am approaching 9 years of service in the XXXX and I would like that to reflect in the PSLF qualifying payments.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports. 

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ]. 

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX Collections under challenge : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, I entered my bank 's application and I realized that there was less money than I should have, so I began to review all the charges, because it is a business account ; and I realized that there were many charges which I did not recognize in total there were 11 charges which are the following : {$12.00} XXXX XXXX {$150.00} XXXX XXXX  {$170.00} XXXX XXXX XXXX {$270.00} XXXX XXXX {$110.00} XXXX XXXX {$250.00} XXXX XXXX {$170.00} XXXX XXXX {$560.00} XXXX XXXX {$160.00} XXXX XXXX {$1700.00} XXXX XXXX {$300.00} XXXX XXXX TOTAL : {$3900.00} On the same XX/XX/2021, I called the BANK OF AMERICA call center to report the charges that I did not recognize and they told me that they would give me a provisional credit in the next 48 hours, while the investigation concluded. 

On XX/XX/, I received a letter from BANK OF AMERICA saying that they could not return the money to me because I had authorized all the charges and that the documents that proved it were attached to the letter, in which there was no attached document ; The amount of the letter was the amount of {$3000.00} and not the actual amount, which I said previously. That same day, I called back to the BANK OF AMERICA customer service center and they told me that in order for the investigation to be reopened, I had to send a fax explaining everything, which I did immediately. 
On XX/XX/ I again spoke to the BANK OF AMERICA call center to find out the resolution of the problem and they told me that it had again refused because I had made those charges and that in the message box of the BANK OF AMERICA application it would find all the evidence that proved the resolution of the investigation and that all I could do was go to the police. It is worth mentioning that I entered the mailbox and it was empty On XX/XX/ I went to the BANK OF AMERICA branch, I told the executive the whole situation and again called the BANK OF AMERICA call center and on the call they told her that in each purchase I sent a copy of my passport to confirm each purchase, which is not true. I have already requested several times that they send me the evidence where I send my passport and they have not sent me anything. 
I have been with the BANK OF AMERICA business account for about two years and nothing has ever happened. I have moved a lot of money in that account and it is not possible that when I need support they turn their back on me.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

Navient pulled my student loans out of deferrment. Sent me a letter stating i was 90 days late and they had reported it to the credit bureau. I contacted navient and told them my loans were fedral loans and that per the President of the United States i shouldn't be making payments. I was told the loan was a commercial loan and didnt qualify for that. I have never had a commercial loan EVER with a student loan because i didnt have the credit or capacity to do anything other than federal grants and aids. I explained that my loans went into default and i went through the process of making payments a few years ago to get them back in good standing, and that recently i started trying to pay interest only payments while in deferrment but nothing else happened on the loans. No one would tell me why my loans were switched to a commercial loan only that they were. I paid my loans all " current '' XX/XX/2021 with a {$410.00} payment and {$140.00} XX/XX/2021 and when i pulled my credit today XX/XX/2021 navient is reporting i am 2 months 90 days past due. They are lying and moving loans around to put me in default, please please help me.