davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello Dear CFPB Please assist me to reopen my Capital One Business and Personal Cards that was closed for no reason. 

I used card and made large payment and account at first was restricted then after couple days i called to get information why my account is in restricted status. I was informed that the reason is they want to verify my payment and asked to send my XXXX business checking account statement and ID, which i did sent all information. After couple days i called to follow up and spoke with supervisor and was asked to send also my XXXX checking account statement and sent me link to upload which i did submitted and requested information while i was on the phone and she removed restriction and told me everything is ok. 

Next day i received email notification that my accounts has been closed. 


the reason i received letters are, We are closing this accounts because of activity on this or another account is not consistent with out expectations for account usage and violations of the Capital One Customer Agreement. 


I have done nothing wrong. 

Please assist me to reopen my accounts especially this crisis sitatuion that we need to operate. 


Thank you
Consumer complaint received 2020-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

This is the second time our account with XXXX XXXX XXXX has been placed with CMRE erroneously. The first time was because of them using an incorrect billing address that caused us to not receive the bill. 

This time we are receiving a debt collection notice dated XX/XX/2020 for an account that is on an active automatic payment plan in the XXXX XXXX XXXX system. In fact a {$40.00} payment for this payment plan was charged to our credit card on XX/XX/2020, and a good faith payment of {$5.00} to start the payment plan was charged to our credit card on XX/XX/2020.
Consumer complaint received 2024-04-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA (ND)

I got this loan In XXXX. Have been paying on it since XXXX. The org principle was XXXX. I have paid over XXXX towards this loan and still have XXXX principle. Something is not right. It was discharged in bankruptcy, they have received the notice and they never respond to it. It's like it never happened. I have paid way over what is owed. This is a predatory loan if I ever saw one.
Consumer complaint received 2020-04-27
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. (GA)

THESE INQUIRIES WERE DONE WITHOUT MY PERMISSION I HAVE NO KNOWLEDGE OF THEM 


XXXX XXXX XXXX
Other Collection Agencies
Inquiry date:XX/XX/XXXX
XXXX XXXX Auto Financing  Companies
Inquiry date: XX/XX/XXXXRemoval date:XX/XX/XXXX
XXXX XXXX XXXX XXXX  Auto Financing Companies
Inquiry date:XX/XX/XXXX
XXXX  XXXX  XXXX Automobile Dealers, Used
Inquiry date: XX/XX/XXXX

XXXX XXXX XXXX
All Banks - non specific
Inquiry date:XX/XX/XXXX
XXXX XXXX  XXXX Automobile Dealers, Used
Inquiry date: XX/XX/XXXX

XXXX XXXX
Auto Financing Companies
Inquiry date:XX/XX/XXXX XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Consumer complaint received 2020-10-12
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. (FL)

Hello, I have lots of inaccuracies reporting on my credit report which I have tried to solve with Experian. I have sent in two letters but they have not corrected anything. 

Firstly, my personal information is totally wrong even a different social security was showing which I did not recognize. I have also pointed out the addresses and variations of my name to be corrected but it stayed simply unchanged. 

I also have sent in a letter for the items showing that are erroneous but there was no investigation done because everything stayed unchanged from the initial way of reporting.
Consumer complaint received 2023-02-07
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. (DC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ASSOCIATED BANC-CORP (WI)

On XX/XX/2019, I got scammed {$1200.00} from the person called XXXX XXXX in my Associated Bank account. 

After reporting and disputing with associated bank for this scam and fraudulent activity, they refused to either reverse the transaction or refund the money back to my banking account.
Consumer complaint received 2024-01-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

In mid-XXXX  XXXX, Lowe's/Synchrony withdrew {$13000.00} my checking account which my bank rightfully rejected. This led me to discover that my Lowe 's card had been compromised and used to purchase over {$21000.00} worth of good. I immediately notified Lowe's/Synchrony about the breach. Upon further investigation, I discovered that not only my Lowe 's card, but my Mattress Firm, and Guitar Center cards had also been breached and used to purchase items. Note that all three of these cards are issued/serviced by Synchrony Bank who denied having any security issues with my account information, despite all three Synchrony cards being used at the same time. After several hours of phone calls with customer service and fraud investigation depts. over the course of 9 months, I was finally able to get the issues resolved. Or so I thought. I continued to be charged fees on the Guitar Center card for the purchases that were already deemed fraudulent and not my responsibility and it took 4-5 months before those fees were removed. I am still waiting to verify this as I was told this once before and the fees were still being accrued. I also thought that my Lowe 's card issue was resolved in mid-XXXX  XXXX but on XX/XX/XXXX, I received a reminder that I have an autopay due to be taken on XX/XX/XXXX for the amount of {$13000.00}. The amount taken from my checking account in XX/XX/XXXX which started the whole fraud investigation in the first place. I tried talking to Synchrony and was passed from person to person to person over the course of 2 hours on the phone, being hung up on and never being passed to someone who could actually do anything ( see my attached notes ). I was told that the amount referred to a " Charge back '' but no one would tell me what a " charge back '' was. I was told that I received a check for that amount that I needed to pay back I guess. I don't know, they won't tell me. I never received a check nor did I expect one as I did not pay on the fraudulent purchases. I tried to explain this but no one would listen and insisted that I received a check. There was no reason for them to send a check and if they did, it did not come to me. If Synchrony would take the time to check, they would see that I have not endorsed/cashed/deposited any checks from Synchrony. Since my last series of calls, I have not received any status updates or any indication that anything is actually being done. I have been battling with these people for nearly a year and have had to deal with their incompetence costing me time off work, lost business, countless hours on the phone, and negative marks on my credit report lowering my credit score and giving me undesirable interest rates. I have secured an attorney and if Synchrony does not resolve these issues after this, I will file a suit for a substantial cash settlement and involve the media to make this a high-profile case.
Consumer complaint received 2020-04-27
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: ID Analytics, Inc. (OH)

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Consumer complaint received 2020-04-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

The auto loan financial company is unwilling to refund payment I have sent to get back my vehicle. The company also known about gap insurance. The amount was {$2000.00} but no title or vehicle was returned. I never got my title for the vehicle or never received any refund towards the payment I have sent which was settlement to get my car repossessed.
Consumer complaint received 2020-04-27
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. (OH)

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The following accounts has caused me financial ruin. Iam  disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have written to XXXX XXXX SEVERAL times asking for VALIDATION of my debt and to get the original paperwork/contract. They continue to send letters that say that they have resolved my dispute. I did get a letter in XX/XX/2018 that says the account is closed, HOWEVER I feel that this account should be REMOVED from my credit file.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (TX)

After attempting to obtain credit on an auto purchase, I received a letter in the mail stating the application had been declined in part due to my XXXX score. I have a 700+ FICO score with the major three reporting bureaus, but have never even heard of this company. Per their website a freeze/copy of the report can be obtained over the phone or by faxing or mailing my sensitive personal information ( SSN/DOB/Copy of ID etc. ) to them. After attempting contact at the number provided per their website, I was notified this can only be completed by sending the below. I am not comfortable with this, additionally their website is misleading as it states, " If you would like to request a security freeze, you may ( 1 ) call us at ( XXXX ) XXXX, or ( 2 )  submit a signed, written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. '' Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year )
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MN)

Hello, On XXXX, I received a collection notice from XXXX trying to collect a debt for XXXX. I wrote back to the company on XXXX and advise that I did not owe the debt and desist from further collection. On XXXX, I received the exact same notice and wrote again advising the agency that I would like them to valid the debt. On XXXX, I pulled a copy of my credit report and they have place the collection notice for this debt on my credit file, eventhoug I repeated wrote back disputing the debt and the amount. 

I would personally like to start a class action suit against this company and would like your recommendation. 

Please find the attached documents as proof of my numerous attempt to resolve this problem. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and experian have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel experian has violated by consumer rights.
Consumer complaint received 2023-02-07
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. (NJ)

I called the TransUnion after I purchased a credit report with XXXX on XX/XX/XXXXXXXX XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the TransUnion last XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX XXXX Balance : {$0.00} will be investigated and updated on my credit file
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

Was charged late Fee of {$100.00} Unfairly, Under COVID 19, where the government advice that we may hold the mortgage. also i was refinancing the loan with the Bank. 
with all the issues going on Penny Mac insisted to charge late Fee they Got paid twice but 3 days late and they holding my money for 20 days as per the bank rule. customer service is not willing to help giving COVID19 hardship where some tenants couldn't make full payments.
Consumer complaint received 2021-09-13
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I paid for a certified letter to be mailed out with return receipt for dispute on credit report. It have been over 30 days and no response. Please remove!
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. LVNV FUNDING LLC {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX
Consumer complaint received 2020-04-27
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. (TX)

ftc violations attached The FTC says that University XXXX XXXX used a multi-media ad ... of one of my XXXX XXXX for my XXXX, which is a violation to say the least. ... I don't owe money directly to the school though I owe it to XXXX  as I'm sure ...
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (FL)

I have US Bank XXXX personal and business credit cards. XXXX have the annual fee and it is advertized that this annual fee pays for cards benefits. XXXX of the benefits is Bonus Award Night. However they decided to remove this benefit from XXXX cards starting XXXX/XXXX/15. Based on that I believe I am not getting all benefits that I paid forwith my annual fees. And this benefit is still advertized on the application page for new customers. 
I expect the bank to refund my annual fees on XXXX card this year only because they made this change in the middle of my membership year, but I paid annual fees for the full year of membership benefits.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (PA)

Someone used my identity and a fake email address to approve a credit line for {$3000.00} with ACIMA Bank which was used to purchase jewelry. The credit card company ACIMA requested that I submit a report.
Consumer complaint received 2020-04-27
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. (TX)

ftc violations attached The FTC says that University XXXX XXXX used a multi-media ad ... of one of my final  classes  for my XXXX, which is a violation to say the least. ... I don't owe money directly to the school though I owe it to XXXX  as I'm sure ...
Consumer complaint received 2018-02-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

My loans went into repayment in 2013. I was contacted by Navient in XXXX of that year and advised that my loan was due. At the time I was in graduate school and was informed by the representative thats my in school deferement had ran out. After further investigation I learned that Navient had my loan in a in school deferment when I was not in school as well as I was going thru a bankruptcys. I noticed them of the error and was told nothing could be done. I called and request help with making my monthly payment and was advise the only thing I could do was pay interest but there were no other options
Consumer complaint received 2018-02-21
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. (GA)

I have several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting them.
Consumer complaint received 2021-09-13
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)

On XX/XX/XXXX XXXX XXXX claims that I authorized a credit pull on my account, which I didn't. Furthermore, this unauthorized credit pull happened two years ago and should be removed from my account on XX/XX/XXXX. Please ensure that the unauthorized XXXX XXXX credit pull that occurred on XX/XX/XXXX is removed before or on XX/XX/XXXX as required by law. I feel that I have dealt with this illegal credit pull for long enough.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I attended XXXX University 's XXXX program from XX/XX/2018 to XX/XX/2018. On the last day of the semester, I withdrew per XXXX 's published guidelines. My account at this time was paid in full. After withdrawal, XXXX attempted to charge me {$2400.00} for a session in which I never attended a single second. They then reported this balance falsely on my credit reports by either mail or wire, unbeknownst to me. This fraudulent reporting has adversely affected my credit score every month since approximately XX/XX/2018.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...  DATES ARE XX/XX/20 XX/XX/20 XX/XX/20