davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-08
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Consumer complaint received 2023-04-02
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: Fidelity National Information Services, Inc. (FNIS) (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX  Acct XXXX. : XXXX Date XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show XXXX XXXX XXXX XXXXXXXX, and ChexSystems are all in direct violation. As Ive yet to be contacted via phone by any of these entities regarding the deletions or blocks that they detail in their previous responses. These blocks XXXX XXXX XXXX places on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.
Consumer complaint received 2018-09-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendUp Loans LLC (WY)

A full payment was made but I only wanted the regular monthly payment! I called and said I could not afford that! They refused to reverse the debit payment! So I called my bank and opened a dispute then they credited the money and only took the monthly payment out to them! Then I just received a letter I lost the dispute and it will be pulled back out on XX/XX/XXXX!
Consumer complaint received 2021-04-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (NJ)

XXXX XXXX Account ( ( a.k.a. XXXX XXXX XXXX, XXXX ). has filed a false and damaging credit status on my credit files for almost two years through a collection company called 'AmeriCollect '. The amount of the false collection billing is {$110.00}. 

On XX/XX/XXXX and XX/XX/XXXX two officers of AmeriCollect contacted me about the same false medical bill of {$110.00}. They requested proof of payment from me at the time of my medical service on XX/XX/XXXX. 

I provided the proof of payments to the collection company, 'AmeriCollect and asked them to remove the derogatory charge of {$110.00} against my consumer credit files as discussed. 

This false credit charge was due to a mishandling of my medical billing/processing by XXXX XXXX. 

Prior to service rendered to me on the reported date of XX/XX/XXXX, XXXX XXXX had to reschedule my medical appointment for the purpose of engaging my Medical Insurance carrier at that time, XXXX and determined the amount due from me as a patient. There was no previous balance remaining on my medical account at XXXX XXXX. 

Few days later, an official of XXXX XXXX called me and informed me that they have contacted my Medical Insurance carrier. I was informed the amount due from me was {$300.00}. 
On the day of the XXXX WITH CONTRAST service, I made two payments of : {$150.00} and {$150.00} to XXXX XXXX. ( Please see attached payment records ). 

Even after providing the proof of payments, AmeriCollect Collection officials persisted to keep the false derogatory charge of {$110.00}. 37 against my credit files. AmeriCollect officials were stonewalling my complaint and surprisingly led me to a non-working contact a billing contact # XXXX for additional help. 

On Monday, XX/XX/XXXX, I contacted XXXX XXXX directly. I discussed the billing issue with a lady called XXXX. She was very cooperative and directed me to contact the correct medical billing office for XXXX at XXXX. The lady at the correct billing office clearly stated that If I have submitted proof of payments, the collection company must remove the derogatory remarks from my credit files. 

AmeriCollect officials continued to resist and stonewall the removal of the false billing charge of {$110.00} from my credit files. I therefore had no other option than to report this incident to the Federal Consumer Financial Protection Bureau. 

Your assistance in this matter will be much appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

My son 's address appears on my report. 
ie : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX. XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX   PA, The above addresss do not belong to me. Please remove from my report. 
Hopefully my son 's credit score is not mixed with mine. Please investigate and make sure my SS is not confused with his.
Consumer complaint received 2018-09-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: GreenSky, LLC (OK)

I am engaging the CFPB to report that Greensky, XXXX XXXX XXXX, XXXX Ga XXXX is facilitating lines of credit to XXXX dba XXXX in XXXX XXXX, OK. In XX/XX/2018, I secured financing via Greensky for the installation of a new driveway. Unfortunately, the quality of work was not satisfactory. I financed {$12000.00}. 
I filed a dispute with Greensky on XX/XX/2018. The representative disclosed that they would be limited on the request for quality of work. However, XXXX at XXXX dba XXXX did have an individual complete some additional work. Unfortunately, this was not to standard as of to date the drive is chipping and the series of other problems can not be resolved unless the drive is torn up and new concrete is poured an properly finished. 
Greensky did follow up on XX/XX/18. However, there has been no additional efforts by XXXX for resolution. I am asking Greensky to evaluate their support to extend credit to a business who is taking advantage of individuals with sub-par work.
Consumer complaint received 2020-12-08
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: WELLS FARGO & COMPANY (NC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, WF CRD SVC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-09-28
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)

I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following account that are reporting is : XXXX/XXXX account XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (MO)

I have a XXXX  XXXX  that buys and sells fresh produce through out the country. I am licensed by the USDA so I have prompt payment requirements. On XXXX XX/XX/2021 at XXXX I attempted to deposit a check for {$22000.00} in the lobby atm at the us bank branch at XXXX XXXX XXXX XXXX XXXX MO XXXX. I have been making these deposits every Friday morning in this same machine for several months.I entered my pin and followed the prompts then inserted my endorsed check. Then the word error came across the screen and a slip of paper came out stating an error has occured and I would have to call an 800 # then an investigation would be done. So I called the 800 # and the person told me that the bank would investigate and notify me by mail in 10 business days. I asked the people in the branch for guidance and they told me to call the 800 # because there was nothing they could do. I need this money to promptly pay for XXXX XXXX XXXX  from a California XXXX. I have to have a XXXX XXXX to do this kind of business and in having that license I agree to pay for fresh fruits and vegetables and the interstate transfer of said product in 10 days. The US Bank policy to remedy this machine error puts my lXXXX XXXX XXXX in jeopardy.
Consumer complaint received 2020-07-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: EZCORP, INC. (TX)

The debt collector stated i owed money for a company i never heard of, they were rude and threatened to send authories to my work site. I asked can they send me a writted verification letter of debt and they told me they were not going to and does not have to. I have the phone number attached XXXX. When asked to speak to supervisor about the previous worker spoken to the supervisor threatend and cussed me out
Consumer complaint received 2020-11-25
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. (MN)

The following inquiries appearing on my credit report are false/fraud. I have tried to call Transunion repeatedly and was unsuccessful due to language barriers between agents and myself. No credit was obtain due to these inquiries. I am requesting Transunion remove them IMMEDIATELY. I am also a COVID-19 victime. 

( TRANSUNION FIle ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020, XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX via XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX via XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/2020 )
Consumer complaint received 2015-12-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management tried to collect a debt I did not owe. They only contacted me by phone, never in writing. 

Now, they have began to harass my wife for the debt. They have told her that the original debt was to XXXX. In their attempts to collect the debt from me, the never mentioned the original creditor. 

Their tactics seem to be working, as this situation has put a great deal of stress on our marriage. 

Even if I ever owed this debt, I believe that Midland may not contact a family member to discuss it.
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CO)

XXXX XXXX ( case # XXXX that was the first claim against Ocwen. Now they offer a loan Modification & haven't heard from them their letter dated XX/XX/2018 is attached when I'll be faxing this to you.I 'm demanding some answers from them but they play the same game as the last time asking for more Documents I've sent them in three times no reply. I'm asking can you put some fire at them I've already had a lawsuit at them but it seems the judges went against me. I've represented my self in this matter with all other cases that were filed against Owcen. Their are son many cases against them in other states but it seems NY has good well scripted Attys that they overlook the truth. The mortgage is XXXX the house is only worth XXXX thank you I'll be faxing the papers to you.
Consumer complaint received 2018-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NM)

My name is XXXX XXXX, this is concerning my private student loans with Navient corporation. 

The amount on the original loan is {$5400.00}. They are saying that i owe a very high amount, which keeps changing, first it's, {$35000.00}, then {$70000.00}. I'm getting harassing phone calls and people coming to my house and threatening me. The amount and the harassment is causing me high stress and mental distress. I'm going to have file a lawsuit if this complaint isn't resolved through CFPB. I would really appreciate CFPB 's help on this matter. I did the math on the original loan at an effective rate of 5.13 % in 12 years compounded monthly only comes out to {$10000.00}. I feel there is a bit of corruption on their part. I believe students are being taken advantage of by Navient and any other big student loan corporations. I believe Navient is taking advantage of students, like me, who have no idea what compounded interest is. They are billing me on new balances without my approval.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2018 I went into agreement with XXXX XXXX XXXX who's Merchant name is " XXXX XXXX XXXX XXXX '' to rent a vacation rental property in XXXX. The agreed amount was {$1500.00} ( {$210.00} per night ) I paid with Capital One Credit card.

I paid to Merchant {$1800.00} including {$300.00} refundable security deposit ( paid in cash ).

The Merchant was dishonest, the property was poorly maintained, dirty, was infested by cockroaches and there was an intense sewage smell coming from one of the bathrooms. We contacted Merchant and asked to correct the problems. They failed to correct the problems. We moved out after one night and we purchased a separate hotel for the rest of our vacation.

Merchant refused to issue ANY refund. They kept {$1800.00}, which is more than agreement. They never refunded me security deposit against their own policies.

I contacted Capital One Visa card. They initially issued a refund. They requested additional information. I sent them pictures, video, a letter describing in details what has happened. I sent the requested documentation by certified mail with returned receipt. Couple days later I called and I spoke with Capital One representative who confirmed that all the documentation was received, the documentation is complete and that I have proven my case.

Two weeks later I've received a letter from Capital One.

Capital One has closed my case, reapplied the charges to my account because " lack of previously requested information ''.

How is it possible that two weeks earlier Capital One confirmed receiving all necessary documentation, confirmed validity and then two weeks later reapplied charges back, claiming they didn't?

Capital One Visa failed to protect me as a customer from dishonest Merchant. They claim they do and that there is {$0.00} responsibility on fraudulent activities. It didn't work in my case.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

In XXXX I took out a loan on a used vehicle and made my payments i also paid for credit protection on my loan incase i should become XXXX or something should prevent me from making my payment. In XXXX I suffered a XXXX XXXXXXXX and spent time in the XXXX and fell behind on my payments. The credit protection I paid for was not honored and I was harassed for my payments. I paid up what I was behind so that there was no past due balance owed the financial institution I acquired the loan from XXXX accepted my payments then sent a towing operation out to repossess my vehicle. The tow operator trespassed on private property to take my vehicle which constituted a breach of peace. He tore the whole front end off my car in the process of him removing it from my property. XXXX sold my vehicle at an auction for less than it's value due to the damage inflicted by the incompetent tow company XXXXXXXX XXXX. Since XXXX XXXX has been trying to recoup their loss of value from that damage from me after I had already paid over XXXX dollars of the XXXX that the original loan was for. At that time I had a XXXX credit rating which they have trashed. I now have a XXXX credit rating due to their incompetence.
Consumer complaint received 2018-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

The company XXXX XXXX XXXX is saying I own them {$3100.00} from an account they have from XXXX XXXX credit card from XX/XX/2001 and is currently now taking {$300.00} out of pay check. I've called the company multiple times letting them know they are wrongfully taking money out of my paycheck, and that they have the wrong person
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NY)

Dear CFPB Officers, At XX/XX/2018, I received an official email from PNC bank, stating if I make two bill pays, I will receive a {$15.00} bonus afterward. I made the two bill pays at XX/XX/2018, but I still didn't receive the {$15.00} bonus until today. I have contact PNC bank multiple times, but the representatives only told me that I would receive the bonus soon, but they refused to investigate this issue from their end for me. So I sincerely request you to contact PNC bank to send me the {$15.00} bonus as I have completed the bonus requirement. I have attached the original email for your review.

Thank you very much, XXXX XXXX
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I noticed 2 {$15.00} maintenance fees for falling below the minimum balance of {$100.00} on XX/XX/XXXX & XX/XX/XXXX when the statements shows I had the required amount to offset the fee.I spoke to XXXX who insisted they were correct.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (AZ)

I loan # XXXX I started this refinance in XX/XX/XXXX on XX/XX/XXXX they sent me an E Mail to singe docs an it was for {$220000.00} {$190000.00} pay off my current mortgage and a bill for {$26000.00}. I was told by an E Mail there trying to close on XX/XX/XXXX E Mail dated XXXX XX/XX/XXXX I tryed to get a hold of the loan processor XXXX XXXX and loan officer XXXX XXXX NMLS ID XXXX and XXXX nhls XXXX. 
Then I just got anther E Mail saying that my loan went up to {$230000.00} I sent out E Mails and phone calls .these was from XXXX XXXX I ask him if thy were trying to embezzlement me or scam me, he came back answered cam back real fast. I usually don't get answer. and he wanted to stop the refinanceing I have been working with this company NewRez sent XX/XX/XXXX and they stop it XX/XX/XXXX and then they started it back an said it would in XX/XX/XXXX and they were giving me the run around agine, the thy told me it was in underwriter an should should by the end of XX/XX/XXXXand then this happened .I am getting my attorney involved in this in my opinion it seme like discrimination! I ask them on 4 or 5 time if thy were going to do this refinance, NO ANSWER! XXXX XXXX said this is normal to change it! 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX