davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Arivo Acceptance, LLC (AZ)

Arivo Acceptance has repeatedly contacted my significant other ( unmarried ) leaving details of the status of my loan on his voice-mail ( voice-mail have been saved as proof of third party disclosure ) which also does not identify him personally but is an automated message that only states his phone number. They have done this with my relatives as well and constantly disclose my sensitive information to third parties. They have also drafted a payment from my account that I did not authorize and constantly harass me by calling several times every day, sending emails, and then calling my family members. I have asked for assistance as I have been struggling with a loss of income due to the pandemic and they are not willing to help but instead just continue to use what, in my opinion, is abusive/harassing practices, causing extreme stress to the point I am becoming physically ill. They also have sent me information regarding another person 's account which concerned me and they include my account number in the emails which I feel is risky if like in the case where they sent me info, what if it gets sent to someone else as which is another violation.
Consumer complaint received 2021-09-17
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. (TX)

I have mailed numerous of letters to the bureaus asking them to remove incorrect information from my credit report with proof attached and the items are still being reported.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2020-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have been a checking and savings customer of Capital One ( ING direct before that ) since XX/XX/2002. recently i notices savings rates have increased. I found out that my savings account is a '' grandfathered '' savings account that used to earn a great interest that fluctuated with market. apparently i was moved into a low interest product without my knowledge. I don't know when this happened but my current savings interest rate is 0.6 % and the high yield savings earns 1.7 %. i have since had to open new account and transfer my money into that account to get the new rate. My issue is that the account my money was in isn't even offered. their off the street savings account is the 1.7 % high yeild account regardless of balance. I feel like i missed out on a lot of interest over the last few years. i take some responsibility for not realizing it, but i would hope that cap one wouldn't put someone in a product that isn't the " off the street '' offer.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( Equifax, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MD)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-07-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CO)

My mortgage Company is Cardinal Financial. 
I submitted Evidence of Lower Property Taxes due to my Veteran XXXX Rating on XX/XX/XXXX, that would result in a lower payment. 
On XX/XX/XXXX, I contacted Cardinal and requested an update on the Escrow analysis. They had not reviewed, or created a work order for the escrow analysis, and requested that I submit the documents again. This is costing me in monthly payment amount currently, and is an unfair padding of the escrow account, as Cardinal was made aware by the XXXX County Treasurer by letter dated XX/XX/XXXX, that my Taxes were lowered due to Veteran XXXX. Cardinal was even more aware that the amount was lowered, as they Paid half of the lower amount {$1900.00} in XX/XX/XXXX for Tax Year XXXX XXXX half Taxes. 
I was told via letter in XX/XX/XXXX payment effective date XX/XX/XXXX from Cardinal that my Escrow analysis was increased to a new tax of {$5600.00} for XXXX taxes, when the County Treasurer submitted a letter to Cardinal on my behalf dated XX/XX/XXXX, that informed them of a " Senior/Veteran Exemption Tax Estimation '' for me, with a XXXX tax year owed in the amount of {$3800.00}.
Consumer complaint received 2020-11-27
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: AMERICAN EXPRESS COMPANY (NY)

I called AMEX prior to making a larger purchase to confirm my spending power and the over time pay limit on my card. 
I was informed that later was {$31000.00} I subsequently made a purchase of c. {$44000.00} My bill now requests back the full amount without applying the overpay limit of {$31000.00} I am being told that next time I should split the transaction into 2, as when the amount is over the {$31000.00} the over time pay limit would not apply This was deliberately omitted from the explanation when I called the first time round I would have used a different card/other means to pay if I had know that!
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (ND)

Bureaus Investment Group Portfolio, NO. 15, LLC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX https : //www.thebueaus.cpm/ Trying to collect {$650.00} that is not valid. Provided information on XX/XX/2020 via email that the XXXX XXXX  was returned and a refund was issued but never applied to clear balance. XXXX XXXX  XXXX made a report to credit bureaus which has had a negative effect on my credit. This was from a XXXX account which was issued by and owned by XXXX XXXX XXXX.
Consumer complaint received 2019-11-06
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. (NC)

I have contacted Equifax multiple times requesting an investigation to verify the debt and asked who opened and signed for this account. I also ask them to remove this fraudulent account reporting in my consumer file that does not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below was opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The account is noted as XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc. (IL)

I have an XXXX with Illinois Highway. My XXXX is connected to my bank. When my account gets low they draft. This is a collection from a debt collector for {$220.00} for Illinois State Toll Highway Authority. I want them stopped because this is NOT a debt I owe and I am reaching out for the number of people who fall for this scam. The collection comany is Professional Account Management , LLC, XXXX XXXX XXXX, XXXX, WI XXXX. The number to call is XXXX. The web address is XXXX
Consumer complaint received 2017-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.
Consumer complaint received 2018-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My mother passed away and I have been trying to freeze her credit. I have called Transunion multiple times and every time they disconnect me. I can not even get to a service representative!!!
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX I got a response from XXXX for my complaint with CFPB XXXX about my total loss claim on my XXXX XXXX XXXX XXXX in the complaint XXXX agreed to omit the days pass do because of my Insurance company had not sent them the last XXXX but, XXXX did get pretty much 99 % of the payment. This was not my fault, as that last payment was supposed to go to me for registration that I paid on the car, but instead, it was somehow added to the payment to the lien holder. I thought after the complaint XXXX and, I came to a resolution they would omit the days pass due to 0 30 days late 0 60 days late 0 90 late. They even sent me a letter while the CFPB complaint was still open saying that is what they were going to do, and they also responded to CFPB complaint and, the complaint with XXXX stating that is what they were going to do upon both complaints being closed they waited to tell XX/XX/XXXX and, sent me another letter stating they where changing it to 91 days late. even though they got payments in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX. This is insane how this company can lie to both me CFPB AND, XXXX  and get away with this. I also sent a certified letter out requesting proof of contract, and all payments, and checks that were made because I never got reimbursed for my warranty, no response other then the letter stating they were changing the late dates from 0 to 91 days although the account was never 91 days past due.
Consumer complaint received 2020-11-27
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, SYNCB/TJX CO add a hard inquiry on my credit report per XXXX. 
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 2020-11-27
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: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
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 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (TX)

XX/XX/2024 over payment of credit, XXXX, PNC bank,, XX/XX/2024, XXXX overpayment of credit card, XXXX XXXX overpayment of credit card, XX/XX/2024, XXXX overpayment of credit card, XX/XX/2024 XXXX overpayment of credit card, claim and reference confirmation numbers, # XXXX, # XXXX # XXXX, # XXXX, # XXXX #, XXXX
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (TN)

On XX/XX/XXXX, we received in the mail a solicitation for a " No-Cost Direct Deposit '' prepaid Mastercard, with a card in the  name of our minor daughter. She has never worked nor applied for credit so I'm not sure how they got her info. The company is NetSpend & the financial institution is XXXX. The first number I found to call them was to opt out of future mail offers. XXXX I had no option or opportunity to speak to a person to complain that they were soliciting a minor, who can't enter into a contract. ( Therefore, soliciting a minor to enter a contract should be illegal as well!!!!!! ) The second number I found was a privacy insert for XXXX. XXXX This number was listed as " to limit our sharing '' or " questions? '' which I didn't feel as though was applicable. The third number I found was on the insert to upgrade to Netspend Premier.  XXXXNETSPEND When I called, I was promoted to enter the card number then told that since it wasn't active, I couldn't upgrade & was redirected to activate my card. Still NO option of speaking to an actual person, just all automated. The last number I tried was the number listed to activate the card, which I didn't intend to do but was looking for a person to complain to about them soliciting a minor. XXXX The first time I called, the auto answer told me I'd been selected to receive a special offer, then asked a bunch of questions about my vacation preferences. Finally, it told me I'd won a XXXX cruise at the low cost of {$55.00} per person. I declined. Then, it started a pitch on some kind of auto program. Honestly, I kind of tuned out to the details. All I wanted was to speak to a person! I also knew i would decline any offers. I was also looking through the 20 page Terms & Conditions for another number, as I had very little faith I would ever reach that actual person. When asked to accept or decline, I declined & the call disconnected. I immediately called back & the auto response was that " this call wasn't active '' in my area. I called a third time & the auto response was to ask me hit the # key for a directory. I hung up & called a fourth time & received the same auto response.
Consumer complaint received 2019-02-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WINN LAW GROUP, APC (CA)

Hello on XX/XX/XXXX I was served with a retainer letter on the attempt to collect {$5200.00} from the original Creditor XXXX XXXX by XXXX XXXX XXXX contacted XXXX XXXX XXXX to help me correct the issue according to my recollection everything went fine 2 weeks ago I came across this other letter on XX/XX/XXXX with the same XXXX XXXX XXXX with a different Law Firm WiNN LAW GROUP I have been searching all over the internet called all sorts of law offices to no avail today I came across this site Consumer Finance.gov because during the research I spoke to this fine lady she mention this site I'm ever so thankful now I find myself in a situation with no help in sight I'm so worried thta they might start to garnish my XXXX XXXX I have a very small hours part time work and that sums it all please help me in any way for guidance to solve this humongous problem for me that is ..in one of my interviews with a attorney last night he mention that XXXX XXXX XXXX failed to filed a petition about the case to the court ... thank you ... ..
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (TX)

nationwide credit is very fraudulent they call my phone numerous amount of time, including the am and afternoon as soon as I say I do not owe the debt they report to XXXX. I had to dispute this issue multiple times. XXXX resolved this issue however they still allow them to report it numerous amount of time. The balance nation wide Credit company claim I owe is XXXX dollars. They are located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX. They are so rude and well mess up your credit score from XXXX to XXXX with sending disinformation to XXXX.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MO)

XX/XX/XXXX I realize I was the victim of identity thief. 
Later I found a charge on one of my credit cards from XXXX and I can not find that charge on my account I had called and they said also they couldnt see that charge and I gave them the card number and it turned out to be it was off of my ex fiancs I found that Had been using my credit cards without my authorization I did make FTC Report I also made a police report multiple times Ive called synchrony they asked for me to send in the reports I sent FTC, police report a. Exparte and or US postal change your residence her name to my address for fax dates I sent XXXX XXXX XXXX XXXX XXXX .XX/XX/XXXX Ive callMultiple times I get hung up on I get transferred I get left on hold Basically they said that because packages were coming to the house that wasnt fraudulent thats why I showed them the change of address I work late dont come home till about XXXX or XXXX XXXX XXXXXXXX had to livered packages between the hours of XXXX to XXXX XXXX I get emails from them letters my XXXX XXXX had set them off on my account but Im still getting bills for it. XXXX XXXX
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Today I woke up and had a XXXX dollar overdraft fee, but my account has never once been over drafted This is a ongoing issue with citizens bank Where they charge you an overdraft fee by putting you direct deposits that come the same day as transactions on your account after they overdraft it, even though it says its there Then they argue with you to try defending it because according to them they can see things I cant, which Im sorry no matter how many XXXX transactions are on hold its for sure not more than whats in my savings at the same bank that keeps doing this to me, and that I always ask if they needed it why didnt they take it outta my savings instead of giving me a fee? Theres not any record of my account actually over drafting, and they wont remove it I took pictures, theres not a single time it was red Theyre trying to say it was because of the charges that cleared on the day the direct deposit was made But realistically both payments made to city taxes completely vanished till today and showed back up, which Im also tired of them making things vanish for days so you cant account for them then magically putting the transaction back I manage my account very tediously and they are using deceptive means to gain overdraft fees from people who didnt earn them
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

On XX/XX/2019 at approximately XXXX XXXX, I called the consumer advocate number for a PHH representative at XXXX and talked with Mr. XXXX ( ID number XXXX ). The purpose of my call was to request a letter from PHH ( Ocwen ) stating the reason my sister, XXXX XXXX name was removed from our account. # XXXX. I was told that I would receive a hard copy ( letter ) within 15 days. As of today, XX/XX/2019 I have not received said letter. My sister passed away last year but she has an estate in place.
Consumer complaint received 2019-11-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC. (FL)

Why is the CFPB telling companies not to let me make International Wire Transfers? 
Suntrust says that the CFPB advised Suntrust Bank not to process an International Wire Transfer to my girlfriend in XXXX. I want to know why the CFPB is refusing to allow me to make International Wire Transfers?