davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have a Credit Card with Capital One for over to years and have NEVER made a late payment. A few months about i decided to open up a 360 Checking account with Capital One on line. They sent me a Debit card and i began using the product. On or about XX/XX/2018, I received a text message from Capital one stating that my funds are not available for withdraw and to please contact Capital one. They stated that they are conducting an investigation on my account and for me to call them back the next day. Capital One ' illegal failure to properly investigate an alleged fraud and Capital One 's illegal behavior in WRONGFULLY CLOSING MY ACCOUNT, UNDER THE pretext of a " business decision to close '' This behavior violated various regulations and laws, including the Consumer Financial Protection Act, the Dodd-Frank Act, and 15 U.S.C. 45 which prohibits " unfair or deceptive acts or  practices in or affecting commerce. As of today, they are stiling holding my funds ( {$2200.00} ) and gave me no reason for closing my acount. This illegal act caused my XXXX XXXX XXXX to be late, droping my credit score from XXXX XXXX. Why are they stiling HOLDING MY FUNDS. WHY DID THEY CLOSE MY ACCOUNT WITHOUT ANY NOTICE.
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NY)

Good day. In XXXX i paid an collection from XXXX XXXX dated XX/XX/2021, original balance was XXXX, it was paid in full & now the balance is listed as " XXXX '' paid in collections as negative status the amount & this was paid though aldous and associates. Hear me out, I am a young man trying to solidify my pursuit of happiness through stabilizing my credit because i understand the importance of it now. This XXXX XXXX account that should be closed and removed from my credit profile is stagnating my opportunities for me & my company, it has also interfered with my ability to obtain housing ( Because the collections is having a negative impact on my profile. Ive put in multiple disputes, The XXXX XXXX representatives were hardly any use, they basically in context told me that they couldn't do anything for me that i needed to contact the creditor. i contacted the creditor & they redirected me back to XXXX. At this point im begging for your help, I have a XXXX here with me in XXXX, New York. im working on my credit profile so i can take out a loan to assist with moving out of New York. Most of my friends were killed within the last 5 years, please this is vital to me. 

You can also check my XXXX and XXXX reports. this same collections was removed from both reports, but for some reason its sticking on transunion it doesn't make sense ( once again i paid the full balance i didn't settle all the evidence is there on all reports )
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (GA)

First let me say that this dispute is still currently in process as an investigation. I have an account with American Express Serve. I have been with them for over 3 years. On XX/XX/2019 around XXXX, my account was hacked by a person named XXXX XXXX twice in the middle of the night for {$500.00} and {$370.00} totaling {$870.00}. I was only able to pay one of my bills, XXXX, on this day due to my funds being cyphered as I was looking at my account on my phone.I actually receive an email at this hour stating that I sent this person the money as I am on the phone with the customer service representative. They gave me an invalid number to what was supposed to be the dispute department, which turned out to be a cruise line sweepstakes number ( XXXX ). In order to get back into my account, I had to call the CSR around XXXX as I was on my way to work because my account was locked due to numerous attempts to get back into my account after I had changed all my security measures after I got off the phone with CSR last the morning before. My account was opened only to be locked again later on that morning. My account had already been depleted to {$0.00}, but the person was still trying to access my account. Therefore, as I was on the phone with a supervisor, he changed my username so that my account would not be locked again. I still do not have any of my money because they insist on investigating the case more. I told them I would call back everyday until I have my money back. My account should have been FDIC insured, which means my money should have been returned to my account that day. I also filed a police report on XX/XX/XXXX19 and had to report that to them. I pulled up the unauthorized debit form and fax everything you see to them. By the way, I had to look up the dispute department number as well as the form and send it to them. They really did not help me through this entire process. I feel that this was done internally because of how this situation was pushed only by me. I am highly upset and hurt by this company. Every call is recorded supposedly, someone should listen to how well their customer service reps and supervisors ensure the happiness of their customers when it comes to people loosing their money.
Consumer complaint received 2019-03-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HOPE BANCORP, INC. (CA)

XXXX XXXX  has furnished a lien on our property and is aggressively attempting to collect on the debt that was included and discharged in BK chapter XXXX back in 2011 ... When trying to resolve this I called XXXX XXXX with NO luck nobody ever answers the phone line, I written to the address on file 4 letters since XXXX of last year with NO response from them. Now my wife and I are getting calls at work and at my parents house from them demanding a payment in full for this Loan #  XXXX. I can never get ahold of an individual to speak to. We only get threatening messages left on our phones with calls at XXXX or close to XXXX as well as left with my assistant at work. this is ridiculous I should be protected under bankruptcy code. Attached please see proof of bankruptcy and a proof of this account being included in the bankruptcy. I seek release of this judgement immediately or I will go to attorney general 's office to see further remedy on this
Consumer complaint received 2019-03-11
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. (GA)

This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I have identified a fraudulent account and the report violates my consumer protection rights. Please block the account listed below : XXXX BANK : XXXX - {$10000.00} I request to have this account removed permanently from credit report ( s ). Please block this account. This account is fraudulent and unverifiable.
Consumer complaint received 2022-01-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to furnish any hard inquirys on my consumer report. 


This has caused me defamation of character, severe hardships, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I cant apply for credit, my ability to apply for credit is tainted.
Consumer complaint received 2021-08-14
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: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I filed a complaint to CFPB on the credit bureaus not accurately investing an account that has been reporting on my credit for the last 3 years incorrectly with the incorrect amount. On XX/XX/XXXX I received a email from Experian stating that yet again based on there investigation that it was verified and accurate. I sent a certified letter originally dated XX/XX/XXXX to let them know of the inconsistencies between all the bureaus to get this account resolved, where no one seem to care. With all of the different amounts I have been unable to verify who is honest so that the account could be resolved. Recently on XX/XX/XXXX I was contacted back by the lawyer in regards to the account in question. I questioned the amount and he guaranteed that his amount was accurate even after I told him that it was reporting an opposite amount on my credit. He then sent me the dated judgment filled and dated XX/XX/XXXX that showed the amount it should be {$4600.00} with lawyer fees added {$5300.00}. My credit report from Experian shows {$4500.00} charged off with a balance of {$5200.00}. Of course his amount is different from what is being reported like I have been saying for the last 3 years of my disputes. How was this account investigated? It seems no proof was provided for this account to be reported or investigated. If this account was verified by the creditor and the bureaus multiple times, why is the balance off, who is correct? I had faith that based off the FCRA laws that it would have been took more seriously. If this information was verified and correct then why do I have proof otherwise? Is the lawyer reporting it one amount and telling me a different amount for more? How is this ok? Better yet how are you allowing this and not protecting the consumer?
Consumer complaint received 2019-03-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: F&M Capital LLC (NE)

On XX/XX/XXXX I was contacted by a company called F & M Capital who said I owed money to a payday loan company from XX/XX/XXXX. The name of the Payday Loan Company was  through an XXXX XXXX named XXXX XXXX XXXX. I was going through a divorce in XX/XX/XXXX, and needed money to pay for my attorney to keep the custody of my children. I thought I had paid all of my debts, and transferred them when I moved, but I somehow missed this one. I was threatened by someone named XXXX with legal repercussions to include my not being allowed to open bank accounts in the future and said I committed fraud. I did not know the amount I borrowed, and he said I had made payments at first, but stopped. I explained that I moved, and did not know all of the debts did not move with me. I asked how much I owed and he said {$1500.00} was the original loan amount. I asked if I could pay that amount, and he said no- that I now had to pay {$7800.00}. I asked him to mail me paperwork showing me this loan, and he said he couldn't. I told him I was willing to pay them the entire amount in full, as I was unaware of the debt, but needed to see how much I borrowed. He said he couldn't but he would settle with me for {$3100.00}, as he " understood my situation ''. Again I asked for paperwork. I received an email in which they told me I needed to call the loan company directly to get the paperwork through a " chain of title ''. I don't have a record of this loan. It doesn't show up on my credit report, and I feel like they are illegally threatening me. I also don't know how they could possibly charge me now so much more money even after I offered to pay the amount of the original loan. Can you please help me? He calls a few times a week and has reached out to my family members as well.
Consumer complaint received 2019-03-11
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. (MI)

Last year when i requested my report from Equifax they had incorrect information on me and they were confusing me with someone else with the same name. I just tried to order my yearly report and the questions they asked to confirm my identity had nothing to do with me at all and now i have to be extremely inconvenienced and make copies of documents, gather information and use a stamp because i have to order it by mail. Why is Equifax the only agency that does this to me? I thought i had this problem resolved but they obviously are doing the same XXXX thing. They are not careful with information and that affects peoples lives in a negative way. There should be huge fines for each instance they are careless with peoples information and the people affected by their carelessness should be paid too. On my teport last uear they had a XXXX address for me and were associating me with another person of the same name and it looks like theyre still doing it.
Consumer complaint received 2018-03-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Contacted the credit department at Bank of America. The representative preformed a search for the referenced account using my social security number which I provided. No information was found. They then transferred me to another department, both departments then concluded I am not a customer. 

My credit report shows two opened, revolving accounts with BOA which I did not open.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2018-03-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

on XX/XX/XXXX I called in to Wells Fargo to let them know that I was going to be a little late ( not 30 days ) due to 16 people that I had in my house effected by the hurricane and the expense that it took to take care of the situation. 

I was then told, " oh.XXXX XXXX  we have a program to help those effected by the hurricane. A 3 month relief that will wave three months payments, late fees, and will not harm your credit.

I said : I do not want to do that if they were not able to defer the payment. 

she said, '' no. no. no. that the program was set up so we did not have to worry about the payment, so we can concentrate on getting passed the hurricane situation. the program was not in full but that there would be options at the end of the program that we would be able to go over. 

I said again that I did not want to do it if they were not able to defer the payment. 

she said that was one of the options but that the investors had to review my situation to make sure that I qualified for that. 

During the time of doing this program I have been constantly harassed about collecting a debt? that in the middle of the program the investors took away the deferment and instead were doing a modification. constant times I told them that was not said at the beginning and if I knew this was the situation I would of just took the XXXX fee and told my family I couldn't help. I have since gone threw three different case managers, all that do not know what is going on but specialize in deflecting the situation at hand.

I have had my credit hit 80 points twice effecting me getting into a vehicle. Have letters put on my door and mailed to me about foreclose and collecting the debt. I then get the statement from wells Fargo that I elected for the program but have to remind them that I didn't call and ask for assistance, initially turned down the program and was pitched a second time. I have told them that what was told to me from the beginning and that if I knew it was not a possibility then I would not of taken them up on the offer. I have told them that all conversations are recorded and for them to go back and listen. I feel that Wells Fargo is taking advantage of a situation for profit purposes. This is not right. I have never missed a payment, no bad remarks on my credit for it and here and being forced to do something almost since I do not have the money to get the three payments to them. 

They then call me and say that I was approved for a modification? I was alike approved I never applied. They then began to tell me that the interest rate was being rasied and they were going to stretch my loan back out to 360 months but the payment was only going to decrease XXXX dollars. so much doesn't add up and with getting three different reps nothing is the same when they call.
Consumer complaint received 2019-03-11
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. (GA)

I had a vehicle loan with XXXX XXXX Dealer Services XX/XX/XXXX. I traded the vehicle in. Apparently the dealership and XXXX XXXX got their wires crossed but the payment for the payoff did not post at a decent time. This caused XXXX XXXX Dealer services to mark my account as 30days late. When I handed over the keys and signed for a new vehicle at the dealership, the XXXX XXXX then became that dealerships property. My credit report should not reflect a 30day late payment. I did not miss a single payment before then. Ive disputed this account many times with no success. I called XXXX XX/XX/XXXX in hopes to resolve the issues still no success. I disputed with Transunion and they have not provided ANY verification. I have no proof they have even tried to fix this issue.
Consumer complaint received 2019-03-11
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: Experian Information Solutions Inc. (FL)

As a consumer, I feel like I'm being pushed down the road. I have tried over the past 2 yrs to have the 3 major CRA 's correct items on my credit reports through dispute letters. I decided now to take things further because I am not happy with the results. I recently sent my dispute letter to Experian on XX/XX/2019, today I received my dispute results. I was so disappointed. In fact, my formal written request, I specifically asked if they would investigate these " Unverified '' accounts listed. I also asked Experian to do so through " physical verification '' of the original signed contract, all accounts posted on my report to assure accuracy, according to FCRA statue in which they are required to do. 

Well, they never sent me what I specifically asked for, like the original contract that they are supposed to have on file according to the FCRA 611 ( a ) ( 1 ) ( a ). The following accounts I listed for them to verify or remove immediately. 
1. XXXX XXXX XXXX  - XXXX ... 
2. XXXX XXXX XXXX - XXXX 3. XXXX XXXX XXXX - XXXX Here is Experian 's response : ( " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail. '' ) Why are they conferring with a creditor? The law specifically states they ( CRA 's ) should have this information in their own file.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (DC)

Hello. 

I've been a customer of Wells Fargo for about five years in DC. 

Recently when I called the automated line they asked me to say my name in order to record it and use it for identification/security purposes. I don't feel comfortable with that because I don't think it's respectful of privacy and I didn't. They put me through to a customer service agent on that call. 

About a month later I called again and this time their automated system would not put me through without me saying my name. This was never asked of me in the past five years. I managed to get through anyway by pressing zero about ten times and made a complaint to them about requiring my name to be said and about trying to get and use my bio-identity without my permission. 

I called them again recently to return the call of their rep who had left me a voicemail. I had deleted the vm by mistake and forgot the caller 's name and this time they required me to say my name before they would look at my account or before they would speak with me. I refused and asked to speak with a supervisor and the supervisor also refused to speak with me without me saying my name. 

She then tried to get me to say my name in a sneaky way, by saying she needs me to say it in order to continue speaking with me and when I asked her if it was for bio-identity purposes she denied it but she would not settle for me spelling my name. She also engaged in other mildly sneaky or disengenous behavior I feel. 

I am going to close my account because this is a dealbreaker at this point but I find it hard to believe that this kind of behavior is legal. 

I would hope that you will prosecute them if it's not legal behavior. Would you please inform me whether what they are doing is legal or not? 

Thankyou very much, XXXX XXXX
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (PA)

This company is attempting to collect a debt on a rental agreement I originally had with XXXX XXXX. The debt was already discharged in Philadelphia Municipal Court, and by the original creditor, in an attempt to avoid being sued for mold exposure. I forwarded the legal judgment for XXXX dollars to the debtor when they first contacted me. They reported this debt to XXXX  anyway.
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Glass Mountain Capital, LLC (IN)

XX/XX/XXXX-XX/XX/XXXX, they call at least 4 times a week using a spoofed number and I've confirmed from them multiple times that they have 1 office in upper Illinois and they keep calling me from a Southern Indiana # - they spoof all their calls to me. I've told them 2 times about how spoofing their # is illegal and they just get rude and defensive and hang up on me.