davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (NC)

Cain and Weiner are reporting inaccurate information on my credit report. I cancelled my policy with XXXX XXXX on XX/XX/2017. I received my final bill notice on XX/XX/2017 that I had a final balance of {$100.00}. I paid XXXX directly on XX/XX/2017 and have a receipt. I never had a debt with Caine and Weiner therefore I am asking for the immediate removal of this reporting.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (VA)

Credit karma repeatedly gave me approvals and had me apply for cards then affecting my credit score. They would say I was approved for loans then transfer me to Al these different sites followed by continuing harassment from multiple loan companies connected to their sight.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (TX)

Vance and Huffman LLC, a company that I have had no contract or contact with has incorrectly reported a " seriously delinquent '' collection account as a " factoring company '' monthly since XX/XX/2020, noting the original creditor as " The XXXX XXXX '', opened XX/XX/2020. I did not open an account with The XXXX XXXX in XXXX of XXXX, and have never been in contact with Vance and Huffman LLC. The XXXX XXXX account, which included two paid on time and in full loans, is not now or was ever reported anywhere else on my credit reports. I have tried disputing this account with XXXX and through XXXX XXXX previously with no success or clarification provided. I do not agree that an incorrectly reported account which I did not open with negative history, and in collections from Vance and Huffman LLC, whom I have conducted no business with, but are based on an inaccurate and incomplete history from The XXXX XXXX, which does not require a credit score or history at qualification, nor does it report loan payment history and account status, per their website : XXXX XXXX XXXX, should be allowed to remain on my credit report and has unfairly damaged my credit score. 

I have tried for a countless number of hours to research this on my own, in addition to filing the dispute, and I am asking the CFPB for assistance contacting the company and hopefully removing this inaccurate account, or for information regarding the laws that allow these practices by collection agencies that were never reported by the original creditor, inaccurate, and incomplete. 

Thank you for your time and assistance.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is inaccurately reporting my old Capital One account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Hello my dear, sir and madam. In XXXX of XXXX. There was a huge amount of fraudulent transactions on my checking account. Before the fraudulent case my checking account had {$820.00}. I had a overdraft account with them that I only used for emergency purposes and a few credit cards that was all in good standing. I was calling Santander bank multiple times and they did nothing. I even sent them emails but got no response. I was so busy with work that I couldnt go to the branch but I finally when on XXXX of XXXX. When I went there they made a fraud case investigation. The bank also transferred money from my overdraft account to my checking account to support the fraudulent transaction and never gave me a reason why they did it. They transfer {$1400.00} without my permission. They told me that my checking account was no good and they had to close the account and I had to pay {$690.00} then they would finalize the case investigations. Then I made a new checking account and I was still working. All the money I made was being direct deposited into my new checking account. After 2 months of the case investigation, I got a mail from Santander bank saying that they couldnt accept the case investigation claims because the fraudulent transactions happened more then 60 days. They took so long to resolve the case that they denied it and blamed it on me. On my new checking account I was saving money so I can pay back my creditors. Due to the fraudulent transactions that happened on my checking account, I couldnt pay to the creditors. After a few months of working I saved up {$1100.00} and starting to pay back my creditors. The bank didnt give that money to the creditors. They took that money that I paid, they didnt return it back to me and charged me {$35.00} for every payment I made to my creditors. While I was saving up money I was also paying off the overdraft and I paid {$800.00} to the overdraft account. Then they closed my second account and took all my money. They gave me no explanation as to why they closed my account. Ive trust this bank for so many years and they ruined my trust, credit, and my life. I really need help with this bank. Please do as much as you can to help. Thank you and have a great day.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On The early morning of XX/XX/2022 I was kicked out of an XXXX abruptly because my friend was throwing up. The driver drove away stealing my XXXX XXXXXXXX XXXX XXXX valued at over XXXX. This individual then used my XXXX wallet ( which had my debit card / chase checking account ending in XXXX linked ) to send UNAUTHORIZED transactions of {$2000.00}, {$800.00}, {$100.00}, and {$100.00}. A total amount of {$3000.00}. I was able to obtain information from XXXX that they then used this money to send peer to peer transfers in increments of 27 ( 27different transfers! ) of {$10.00}, {$100.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$200.00}, {$200.00}, {$200.00}, {$200.00}, {$200.00}, and {$90.00}. For a total of {$2900.00}. 

XXXX XXXX operated by XXXXXXXX XXXX XXXX did their investigation and sided with me in the dispute agreeing that it was indeed fraud. I am attaching all documentation to support this as well as a police report and identitytheft.gov report. 

Chase REFUSES to honor my claim and continues to LIE and state that these were authorized transactions even after XXXX XXXX XXXX and XXXX have agreed with me that they were NOT. When we disputing the XXXX XXXX transactions my XXXX XXXX account went to a XXXX balance. After winning the dispute with XXXX XXXX they ( XXXX XXXX ) sent back {$3000.00} into my XXXX XXXX wallet which put the balance at XXXX which means I did NOT get my money back, it simply brought the account back to a XXXX balance since it was negative from the dispute. However Chase continues with their decision to not give me my {$3000.00} back, even with all of this information being provided to them. They have put my wife and I through unbelievable hardship on top of being victims of grand theft and robbery. Part of this {$3000.00} was my wifes FIRST PAYCHECK as a teacher for the state of Florida at XXXX XXXX XXXX XXXX XXXX. To do this to a public servant is cruel and disgusting and if this is not resolved we WILL take JP MORGAN to court. They are a filthy company that has no regard for their customers or human beings. There is absolutely no reason to deny our claim with XXXX siding with us other than pure GREED AND CRUELTY. 

There is a detective working on the case from the XXXX XXXX Police Department - Detective XXXX. XXXX has also suspended the driver WHO WAS OPERATING UNDER ANOTHER INDIVIDUALS NAME. IT WAS A FEMALE DRIVING UNDER THE REGISTERED NAME XXXX license plate XXXX.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

On XX/XX/2018 I contacted XXXX XXXX about a collection account that was on my credit report. XXXX XXXX stated the original creditor was XXXX there was multiple account with the XXXX placed for collection one account was XXXX  and the other was XXXX.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (IL)

I puchased a Money order to buy a car. The owner decided he wanted cash so ended up not needing the money order. I bought it at XXXX through Western Union. XXXX would not cash it so I went home to go to XXXX to cash. By the time I got hit was ripped and wet. XXXX or my own personal bank wouldn't cash it. I called XXXX and they sent me a form to fill out and requested the Money Order from me as well. I sent that in and after a few weeks I followed up. They stated they never received anything from me. I have resent the picture I tool of the Money Order to them multiple times and everytime I call they claim they have not received it. I have no idea what is going on but it has been over 3 months now. They are no help at all and whoever answers will not transfer me to a Superviosr. I don't know what else to do.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (FL)

at XXXX XXXX EST XX/XX/20 I called them at ( XXXX ) XXXX from my secondary line ( XXXX ). I spoke with a male who tried to advised me about the debt details over the phone. I requested Validation of the debt as i have never received written notice nor a phone call. The agent/representative began to become irate when i requested " Full validation '' saying that an " itemized bill '' is the same thing. I said if its the " same thing then i don't know what the big deal is when i request full validation from you since i never received written notice ''. The agent then stated " you know what? we're not doing this today '' and disconnected the call. Never obtaining my new address nor assisted me with my concerns/Validation request.
Consumer complaint received 2020-08-26
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: Experian Information Solutions Inc. (FL)

I Did not request for my credit to be pull by this company. I need this remove from my credit report. This inquiry is effecting my credit score.  Which I never requested.
Consumer complaint received 2018-07-05
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. (WA)

I have repeatedly disputed this account on my credit report as it has bad information all over it being reported. The account is for XXXX XXXX. 
Experian does not let me dispute it any longer unless XXXX upload documentation, which I have. The last dispute I made with the information was on XX/XX/XXXX, they did NOTHING accurate on it, Im not sure they even looked into as it came back UPDATED XX/XX/XXXX ( less than 1 day ). 
They changed the original balance from XXXX to a XXXX original balance. That's not what I was disputing, nor is that ACCURATE at all. Where did they even come up with that information to feel that it should be changed? Did this really get investigated, or did they just move an amount and call it good? 
they took off 1 late payment, when I disputed all late payments as there was 0 late payments to this account. It is now paid off and closed, but I still want MY CREDIT report to reflect ACCURATELY and Experian is not taking that serious. Lousy investigation.
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: GRANDVIEW FINANCIAL SERVICES INC. (CA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) 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. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 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 this account. I demand you to delete fraudulent account now.
Consumer complaint received 2021-09-14
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: WELLS FARGO & COMPANY (TX)

In reviewing accounts online XX/XX/XXXX, saw a fraudulent cash advance from my visa credit card to my checking account for XXXX and a cash advance fee of XXXX additionally unauthorized changes were made with signing my account up for bill pay and then sending XXXX bill pay checks, adding up to the XXXX ; all unauthorized transactions were on date XX/XX/XXXX. 
Called Wells Fargo on XX/XX/XXXX and filed claim on the phone, the rep had closed the checking account, issued stop payments on the bill pay checks but only froze the visa CC. Received Affidavit of Online Fraud form in the mail requested by Wells Fargo and was completed and faxed on XX/XX/XXXX. 
Received denial letter dated XX/XX/XXXX, informing me of the denial reason being the claim was filed past the 60 day window, using date XX/XX/XXXX as the start date. 
Called WF on XX/XX/XXXX regarding the denial letter and was informed of 2 authorized cash advance transactions, in the amounts of {$250.00}, posted on XX/XX/XXXX date and {$5.00}, posted on XX/XX/XXXX date. I explained I was not disputing those 2 transactions and being unknown as to why they were added since they are not related. WF rep confirmed receiving form that was faxed and stated to write a letter to WF explaining i was not disputing those 2 charges. 
Submitted clarification/dispute letter along with copy of Federal Trade Commission Identity theft report by fax on XX/XX/XXXX. 
Follow up letter dated XX/XX/XXXX informing me the case was still closed and that they were sticking to the original decision of my claim being denied.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCB Management Services Inc. (CA)

On XX/XX/XXXX I sent NCB Management Services a Cease and Desist letter that was delivered and signed on XX/XX/XXXX.

On XX/XX/XXXX I sent NCB Management Services a copy of a complaint letter that I sent the Bureau of Financial Protection. The letter was delivered on XX/XX/XXXX.

NCB Management Services has not been in compliance and are in violation of the FCRA and FDCPA. Please see enclosed documentation
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I demanded verifiable proof be submitted to the consumer in writing. In the form of testimony ( via affidavit ) given by trained personnel described in Section 610 ( a ) ( 1 ) [ U.S. Code 1681h ], pursuant to Section 609 ( a ) ( 1 ) [ U.S. Code 1681g ]. These claims have NOT been substantiated by the alleged creditors. 

Failure to positively verify these accounts now constitutes malice and willful intent to cause injury and suffering to the consumer and causes damage to my ability to obtain credit. 

Under the FCRA, as these accounts have failed to be substantiated, they now must be removed. 

I demand the following accounts be removed immediately. 


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
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (FL)

I called as I had XXXX  recently. I needed this month and next month due to a reduction in income put on pause and resume in XXXX. They advised me they offer nothing in regards to XXXX and that my credit will take a hit. They would not help me in anyway and I've been current on my payments for years.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL (NC)

Twice Synchrony Bank has made a mistake of a " duplicate '' payment and sending me refund checks. Even after I requested that the " duplicate '' payment or refund check be voided, I was sent another check. These continual " mistakes '' has resulted in a balance that I am asking to be credited.
Consumer complaint received 2021-09-02
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. (NY)

Experian Deleted disputed information on my credit report after investigation and re applied inaccurate and false information back on my credit report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Consumer complaint received 2022-09-14
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. (GA)

All the accounts and inquiries listed below are all fraudulent and were opened without my conscent. And it is against the law to report fraudulent account. 

Equifax Fraudulent Accounts XXXX XXXX XXXX Account Number # XXXX Account open date XX/XX/XXXX Balance {$1200.00} Equifax Fraudulent Inquiries XXXX XX/XX/XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (GA)

Delete Collections from AFNI from XX/XX/2022. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
15 USC 1692b Not state that such consumer owes any debt ; XXXX XXXX debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX
Consumer complaint received 2022-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I was ill, I lost my income, I tried to negotiate with the bank to try to do a modification, recently I tried to do a short sale in order to preserve my credit and maintain hopes that in the near future if my financial situation turn around I will be able to purchase a home for me and my family. The lender has stalled my request for mortgage assistance as they have denied a 3rd party authorization to speak on my behalf although I have granted them permission. The mortgage has several violations 1st the lender does not have the original mortgage note and has not presented the original mortgage note 2nd the lender has not acted in good faith to resolve this matter with me 3rd the lender although I had covid and my family was ill the mortgager did not acknowledge or offered me any COVID relief during the period thaXXXX XXXX XXXX XXXX 
4th the mortgagor failed to comply with RPAPL 1304, 1306 & 1307 Finally I would like a full copy of my mortgage records to be forwarded to me from the lender which is to include all payments, mortgage notes & assignments, default notices, and all proof of compliance with the NYS and Federal Mortgage laws.
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

After paying my balance in full, my XXXX XXXX Account showed a {$2.00} fee for minimum interest! I couldn't believe it so I called the company to complain and close my account. The telephone customer service line asked why I was calling, then asked for the last four digits of my SSN, which I provided, and then asked me to hold. After 5 minutes of no response I hung up and went through the same process a second time. 

This account was reactivated when I was on vacation in Colorado several months ago. The XXXX 's clerk who " reactivated '' my account rather than have me use XXXX XXXX or XXXX, never explained these fees. While I enjoy my purchases, I feel tricked, and this isn't even XXXX XXXX!