davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XXXX XXXX 2017, my checking account was electronically debited for {$110.00} by Capital One. SInce I was not aware of having specifically done business with Capital One, I called ( several days later, but as soon as I noticed the charge on my statement ) my Financial Institution, XXXX XXXX XXXX, in order to ascertain the origin of the charge. My XXXX representative then placed ( and recorded ) a three-way call to the Customer Service phone number we found on the Capital One website. Initially, the call was answered by a Capital One representative in XXXX who was unable to trace the source of the charge. We ( the XXXX Rep and I ) were then transferred to a call center in XXXX XXXX ( I do not recall the Nation, but made note of the Continent ) where the Capital One representative was also unable to provide the answer to my question and was moreover unable to forward us to somebody who Could do so. At this point, I felt my only choice was to issue a " stop payment '' order to XXXX, a process for which there is normally a FEE. My XXXX  Rep was cooperative and helpful in taking this action. I signed and returned the paperwork on XX/XX/XXXX, and XXXX promptly executed my order. Within 48 hours of the " stop payment, '' action I was notified of my failure to pay a Legitimate Bill by the Menards Credit Card Division, the ACTUAL source of the bill, and that I could be subject to " late fees '' or other penalties. When I initially obtained my Menards Card, XXXX was the entity administering the account. When Menards subsequently changed their service provider to Capital One, I was duly and properly notified, but, being a mere mortal Human, I FORGOT. Because the " fault '' was mostly my own, I DO NOT complain of any illegal financial dealing. I complain of Capital One 's Inability or Unwillingness to answer what I considered a simple and straightforward question ( i.e., " what am I paying for here? '' ) to which a satisfactory answer would have PREVENTED my taking the " stop payment '' action which in turn subjected me to possible fees and/or penalties. For my part, I was Perfectly Willing to provide detailed information ( name, address, even, if necessary, Social Security number ) to locate " my account. ''
Consumer complaint received 2022-03-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (CT)

On XX/XX/XXXX I reached out to Bridgecrest to notify them of payment arrangement I would like to make as I would be overseas for three months due to health issues. I was not in arrears at all at this time but foresaw the possibility of an issue as it was the height of Covid and XXXX was beginning to shut down. It was suggested I pay through the portal which I did. During my time overseas I contracted XXXX and was unable to return back to the states during which time I had to fund my own stay after a month of quarantine. On arrival back to the states Bridgecrest had called and refused to accept payment after two late months through their website and my bank registered through their payment portal. I portions of my balance several times and the amounts were returned. I was then penalized for non payment and told I could only pay with a debit card. My payments totaling {$2000.00} were in limbo between my bank and the Bridgecrest payment system and I was told to wait 10 days in order for my funds to return back to my bank account at which time I can only pay with card. During this time Bridgecrest repossesed the vehicle and rejected another payment I made through their portal and order to retrieve it. I believe Bridgecrest is acting in a harmful way in order to sell the property which is under contract with me and that I have been trying to make payments in good faith on in order to sell the vehicle at auction for a profit. I am employed and have been calling the recovery department since I have returned on XX/XX/2022. I want to be given a fair chance to repair my relationship with Bridgecrest, be given a chance retrieve my vehicle, and go about balancing out the loan. I do not want to be the victim of these aggressive practices that have put me under great financial strain, mental anguish, and confusion in attempts to communicate with them.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (WA)

On XX/XX/XXXX I received a letter from Cain & Weiner for an outstanding debt with XXXX   insurance company stating I owed XXXX. I sent a certified ( tracking number XXXX ) letter back on XX/XX/XXXX to demand validation of the debt and to instruct them not to call me and to only communicate via US Mail. The letter was received and signed for by a XXXX XXXX on XX/XX/XXXX. I did no receive a response back until XX/XX/XXXX well past the 30 days they had to respond to the validation of debt letter. On XX/XX/XXXX i received a call from Cain and Weiner on my work supplied cell phone even though they had received the letter instructing them to not call over 60 days ago.
Consumer complaint received 2022-09-07
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. (MS)

I disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name XXXX and XXXX XXXX, I have never borrow money from them or applied to them.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (GA)

I have a bluebird American Express prepaid card. 
Someone stole the card number from me and used it to spend over XXXX of my money. 
I disputed this 2 times both times they said they was not going to give me a refund. Then without warning closed the account. 
Now my simulios check. My taxes and my XXXX has no account to go into. This happened a 2 months ago. I just now found you guys and I hope u can help me
Consumer complaint received 2015-05-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Check Resolution Inc. (CT)

I have an outstanding payday loan XXXX XXXX store and had issues with payment due to identity theft. I received a call from a collector threatening to come to my house and job. He left a number but no name. I called the number given and it is National Check Resolution who was helpful but stating that it is an outside agency is the one that contacts debtors and that " they should not threaten but they do what it takes to get deadbeats to call - it worked right. '' I acknowledge that I owe the debt but being belittled, embarrassed and harassed is not right. This gentleman from the outside agency called me today XXXX XXXX every XXXX minutes to my cell as a private number and left the message about XXXX XXXX
Consumer complaint received 2019-05-10
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: BMW Financial Services NA, LLC (MO)

I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with BMW.

I contacted BMW, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX. 2022 my check # XXXX of {$4700.00} was withdrawn from our business account from XXXX XXXX XXXX  XXXX XXXX. On XXXX XXXX the same amount with the same check # XXXX of {$4700.00} was withdrawn again. I called right away the Truist Bank to find out why they took twice the same amount with the same check # XXXX. Instead to fix the problem the bank wants me to file a Fraud Claim which I denied. After I spoke to XXXX from the Fraud Department, I called the XXXX XXXX XXXX XXXX XXXX. They told me that the company have a new electronic system to deposit their checks. I told them that's ok, but I need my money the {$4700.00} right away. On XX/XX/XXXX. 2022 I called XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and they told me there check from XXXX XXXX XXXX cleared on XX/XX/XXXX. 2022 so I called again Truist Bank and spoke to XXXX. She said the {$4700.00} arrived and she will take care of it. Nothing happened so I called on XX/XX/XXXX. 2022 again Truist Bank and spoke first to XXXX. She had no information about my issue so I ask for the XXXX and XXXX ( from XXXX ) told me also she will take care of this problem. On the XXXX of this month my wife and I spoke to the branch leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she told us also she will take care of it. A day later she called me and insist that I have to come into the Bank and sign a Fraud claim. I told her there is no fraud, but she still insisted that would be the only way to get my money, so I signed and, on the way out she said it can take a month until I see my money.
Consumer complaint received 2019-05-10
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. (MO)

I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. 
I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
The second inquiry was made by XXXX XXXX on XXXXXX/XX/XXXX and should not be showing on my report either. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Chase closed all accounts, checking, savings, and retirement and will not give me my money back. They closed they accounts on XX/XX/2022 and will not give me the funds. {$24000.00} in checking, {$40000.00} in savings, approximately {$45000.00} in retirement. 

Because they have arbitration in their contracts, there is virtually nothing I can do. 

Many people would not have been able to pay rent if this had happened to them and could evicted.
Consumer complaint received 2015-09-13
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Forthright Funding Corporation (CA)

In XXXX of 2015 I was offered a streamline reference opportunity by XXXX XXXX and XXXX XXXX from Forthright Founding on the first conversation and multiple conversations during this process I was reassured multiple times on a recorded phone line that there would be no out of pocket expenses to myself. On XXXX/XXXX/15 I was contacted by XXXX XXXX to go to my bank and wire {$830.00} to XXXX XXXX XXXX XXXX witch was the cost to close and if I did n't get to the bank and do it immediately the streamline would not close that month. After filling a compliant against Forthright Founding I was contacted by XXXX XXXX who has confirmed the {$830.00} was cash to close and I was simply given a better deal for paying the cash to close, however this was a bait and switch by Fourthright Founding. I was baited by being told there would be absolutely no out of cost expenses then called and rushed at the last minute to wire {$830.00} to XXXX XXXX XXXX immediately.
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (GA)

Hello my name is XXXX XXXX, I am writing because Equifax credit bureau, refusing to delete fraudulent items from my credit file. I have written them several times via certified letters, however I dont get a response in the allotted time, or Equifax would tell me they cant verify my identity though I attached my state Drivers license and a copy of my social security card. Or Equifax will send a response accusing of me using a credit repair company, which is certainly not true.
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I am currently paying a Parent Loan to Navient. The original consolidated loan was {$44000.00} and I started repayment on XX/XX/XXXX. In XXXX of this year I will have paid {$41000.00} ( 120 months ). I originally started with XXXX with a standard loan. Then I had a second servicer. I remember at that point that my last payment would be made sometime in XXXX. Navient is now my new servicer and when I went to look at the terms of the loan on their website, It shows that my last payment is in XXXX. If I pay XXXX a month til XXXX I will have paid over {$90000.00}. for this loan. That does not sound right. I have tried to reach out to Navient twice but they keep telling me this is correct. Please let me know if this is right. I have never missed a payment in the ten years. I thought I was paying a standard ten year loan. Now the loan term has more than doubled. Thank you for your help XXXX
Consumer complaint received 2021-10-07
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. (IL)

Throughout the WHOLE year of 2021 I have been in contact with Experian to advise them that the bankruptcies reported were incorrect I have MAILED, did online disputes with proof from the source XXXX XXXX that these bankruptcies are incorrect and have been deleted. However the only response is that this information has been verified with no proof. Proof has been requested and still no results.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

IDENTITY THEFT VICTIM. FTC REPORT NUMBER XXXX. Bank of America was told via a phone call on XX/XX/19 i received from their rep XXXX to verify if i had opened 2 online bank accounts. I told them no! I have sent all documents, police reports, demanded over 9 times written, verbal, phone calls from them to CLOSE immediately these fraudulent accounts that were opened with my STOLEN INFORMATION! Not only have they not closed these fraudulent accounts but they are now Charging FEES TO THESE FRAUDULENT ACCOUNTS! I have filed numerous complaints with you the CFPB, federal reserve, FTC, office of the comptroller and still bank of America continues to operate illegally! CLOSE THESE FRAUDULENT ACCOUNTS NOW. All other fraudulent accounts concerning this identity theft have been closed and cleared. Bank of America apparently is the only one who cant seem to follow the law!
Consumer complaint received 2017-06-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

O n XX/XX/XXXX  , I mailed Transunion a verification request to verify inaccurate information on my credit report. The two inaccuracies was  State Tax lie n and Bankruptcy. I asked Transunion to give me the furnisher of information on these  two  derogatory item. I asked specifically to give me the name and phone number of person that they verified with. According to FCRA laws, I am entitled to this information. Transunion completely ignored this request as they have with previous request and sent me a generic letter back stating the item are accurate. They also stated that the furnisher of information is  US Bankruptcy Court Northern   District of  XXXX . This is completely false information from Transunion. The US Bankruptcy c ourt stated that they do not give any information whatever to the Credit Bureaus and that the credit bureaus use 3rd party database  collectors  to get information. I feel that Transunion has violated the FCRA act by giving incorrect information about how they verified my request. They should remove my derogatory information completely because they did not provide accurate data for my legal request and a penalty should be imposed on them.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom this may concern ; My name is XXXX XXXX I am a Federally protected consumer. And I have notice several FCRA/FDCPA Violations on my consumer report by a few credit reporting agencies. Violation that were done 15 usc 1681, 15 usc 6802. Just to name a couple. I would greatly appreciate if these Inaccurate/ Fraudulent accounts be removed from my consumer report immediately.

This is not a 3rd party filing this report. This is me a Natural person. Thank you.
Consumer complaint received 2022-09-07
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. (CA)

File for dispute with both Experian and XXXX against XXXX XXXXXXXX XXXX for an existing account with outstanding amount due for over 3 months ( $ XXXX ), under my name. My credit score has since then dropped from XXXX to now XXXX XXXX was able to investigagte and closed the account, however, Experian can not. I have also reached out to XXXX XXXXXXXX XXXX multiple, multiple times regarding such account under my name that does not exist. They have informed me that it has been forwarded to their credit card operations department. This has drastically affected my home buying expereince with pre-approvals with home loans.
Consumer complaint received 2020-10-07
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. (VA)

I have sent correspondence over 60 days ago on XX/XX/2020 identifying inaccurate information requesting it be deleted and/or updated. To date I haven't received a response regarding this matter. I feel like Im being taking advantage of, I was also apart of the XXXX  data breach. This has been a stressful experience for me
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (IN)

On or around XX/XX/2021 someone impersonated me and hacked my phone, email and transferred money online to my Bitcoin investments and then withdrawn it all!!!! They somehow done a SIM card swap and then used my Coinbase wallet to transfer all my money out of my business account to bitcoins then withdrawn all my bitcoins or transferred them somewhere else with no trace??? 
I contacted XXXX XXXX XXXX XXXX and Coinbase.com and nobody knows anything or how to recover my stolen money
Consumer complaint received 2016-10-13
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (SC)

My husband and I went to XXXX XXXX XXXX, in XXXX XXXX, South Carolina on XX/XX/XXXX. At the time, we discussed the price with the representative who said that he had to discuss the cost with his finance representative and with his manager. We held on to all paperwork that had our personal information as we asked not to have our credit run, until we agreed on costs. He said he made some notes on the back about what we desired for a trade in cost and what we were paying for the vehicle and that he just needed to take a photo of that. He took the photo. Unbeknown to us, that photo also included our personal information. When he returned, he came in with multiple finance offers using me as the applicant and my husband as the co-applicant vice-versa. Once, he brought back the paperwork, we shared our frustrations and asked that he not run our credit and we left taking the form with us. Little did we know, the finance manager had copied our information and began running our credit more than 10 times. I have taken this issue up the dealership to no avail.