davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXX, XXXX, CAPITOL ONE BANK, XXXX BANK/XXXX  XXXX  XXXX  XXXX XXXX XXXX, XXXX XXXX INC/XXXX  BANK, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXWALMART XXXX XXXX and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on XXXX occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Consumer complaint received 2021-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (VA)

They've violated my FDCPA Rights by ruining my credit, defaming my character, fraudulently sharing my personal information, contacting my family members trying to get in touch with me, harassing me after advising them several times this isn't my debt, and going after the correct person who owes this money instead of wasting my time and resources having me back and forth in court as of XX/XX/XXXX, and again on XX/XX/XXXX. The amount they're trying to collect is {$2900.00}. Apparently, this loan was originated on XX/XX/XXXX.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mercedes Benz Financial Services (NY)

1. CXXXX XXXX is reporting XXXX an inaccurate amount balance of over XXXX dollars and its inaccurate and fraudulent. I have attempted to call and made great effort to keep the account in good stating and credit karma and XXXX XXXX keeps reporting negative status on balance which keeps my scote from moving up. This practice is on a consistent basis both blaming each othe. 2 XXXX XXXX is reporting an inaccurate account on my XXXX for account mercedez benz balance that's has not been updated because the balance is wrong. The reporting of old status must stop thus keeping my score from bring accurately reported
Consumer complaint received 2021-10-21
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: Experian Information Solutions Inc. (TN)

There are two bankruptcy that are being reported on all three of my credit reports. This is an invasion of privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The court gave the information to a 3rd party or XXXX took the information and sold it to the consumer reporting agencies.
Consumer complaint received 2018-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/2018, I had an issue with my tire and needed to obtain proof of additional products purchased ( Road Hazard ) to get assistance in the current city I live in ( XXXX, FL ). Due to me not having the documents needed, I tried to contact XXXX FL XXXX and my calls was never returned and when I got through to Sales I was denied assistance. 

I then reached out to corporate and made a complaint ( XXXX # XXXX ) and requested to cancel my XXXX XXXX extended warranty and additional products purchased through the dealership ( GAP and Road Hazard ). XXXX XXXX promptly processed my request to cancel my extended warranty ( Case # XXXX ) but I am still having issues cancelling my GAP and Road Hazard because the XXXX FL dealership is giving me the " run around '' to process the request. 

Due to the numerous issues I am having with XXXX and being tied to a vehicle loan, I only wish to pay my car loan and obtain other business needed with another company ( GAP/ Road Hazard ). 

On XX/XX/2018, I spoke with a specialist at XXXX  named " XXXX '' and left a voicemail explaining the issues with this dealership but I do not know what else to do. I will not and find it ridiculous that I drive or complete the process through mail with the dealership. I have done ever other request via phone/ electronic and I wish to proceed that way.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a loyal capital one customer going on 6 years I have two credit cards with them I applied for an increase on XXXX rewards card in XXXX on 2022 and I got denied citing reasons of low credit utilization and that I had a recent returned payment on that card but it was due to mistake ordering online so I shouldnt be punished for that if I got approved for an increase I would spend more money at XXXX on a monthly bases Im asking that my XXXX rewards card ending in XXXX gets reconsidered for an increase to {$3000.00} also today I applied for a credit limit increase and got denied again for my capital one quick silver card because my credit utilization is too low the only reason its low is because once again my credit limit isnt high enough to spend what I would like to spend on a monthly basis if I got approved for more I would spend more thats why Im requesting an increase and I also dont know why Im being punished for paying card balances on time I thought capital one would reward me by increasing my limits so I can spend more I wish to have my quick silver ending in XXXX to be increased to {$5000.00}
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX there was a hard credit inquiry made by Citi Bank NA, Best Buy. I did not apply for a new credit card. I called Best buy and it was confirmed that someone tried to open a credit card in my name for Best Buy, They cancelled the application and reported it to the credit bureau.
Consumer complaint received 2024-02-26
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. (MD)

" I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard.

Please ensure your reporting is truthful and fair, or remove it permanently. Furthermore, as you investigate the legitimacy of injurious accusations against me, note the suspected reporting shortcomings below so that you can align with federally mandated fair reporting practices in your final decision.
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit report is showing an error with the acoount XXXX XXXX XXXX of XXXX XXXX XXXX They are showing this account as a closed account. This is an active account with payments made and up to date. If possible, confirm with the financial institution or do whatever is necessary, but eliminate the chargeoff status, because it is not correct and it is affecting my credit. Federal law protects me and I have the right to have correct information on my credit report.
Consumer complaint received 2021-10-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C. (PA)

Disputed with the company. The company received my disputes, and the latest one mailed and it was sent certified mail and signed for. It has now been over 45 days and Ive yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response.
Consumer complaint received 2021-05-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp (AZ)

On XX/XX/XXXX, my wife and I began the process of applying for a mortgage through Home American Mortgage Company for the purchase of our new home. We were pre-approved on XX/XX/XXXX for the purchase amount of our home being constructed by XXXX XXXX XXXX. We were then given a closing date of XX/XX/XXXX by the builder, saying they had a sales quota to fill by the end of the month. However, due to the increase in home sales, Home American Mortgage Company has been unable to meet demands, overpromising and underdelivering. My brother is purchasing a home in the same neighborhood and on XX/XX/XXXX, he was told that HAMC could no longer process his mortgage due to the high quantity of mortgages to close. I called HAMC and our sales agent to confirm they could still handle our case in time. They both assured us there was nothing to worry about. On XX/XX/XXXX the underwriter began processing our loan and asking for documents - most of which they already had in their system. On XX/XX/XXXX, the day we were supposed to receive keys, the underwriter was still asking for documents. Tomorrow is XXXX XXXX and they have only increased the demand for documents, with no signs of closing or an estimate of a closing date.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Hello, I have tried reaching out to this company several times with no resolution this company is reporting incorrect information to my report and refused to remove the account and they are in violation of the FCRA which in return I will have to continue to pursue further action. I hope this company is aware of the many fines they can receive and cost of this false reporting. If you take a look at the last statement on their website and what they are reporting the information is not correct. Also, I have never received anything in regards the sale of this vehicle which is in my right to do so and was never notified in writing of when it would be sold which is also my right. This company needs to provide proof of this information.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello ive been a victim of fraud and having problems with bank of america i have filed claims on that account on XX/XX/XXXX. Bank of america told me to not touch that account and i didnt untill all claims are resolved. They denied my claim and their not refunding me for the claim XXXX transfer fraud and on top of being a victim of fraud they closed my account and sent me to XXXX XXXX and early warning services without resolving my problem
Consumer complaint received 2021-05-27
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

Summary of Complaint with Capital One Credit Card Company : On XX/XX/2021, my wifes Capital One credit card number was stolen and used to purchase something from XXXX XXXX  XXXX XXXX XXXX  for the amount of {$95.00}. On XXXX XXXX my wife was still in the XXXX  after XXXX XXXXs and too physically and XXXX XXXX  to go online and make such a purchase. She XXXX XXXX XXXX days later on XX/XX/XXXX. At that time, my wifes credit card had a credit of {$610.00}. Capital One charged the account for the {$95.00} leaving a balance of {$520.00}. I attempted to dispute the charge since it was done illegally with a stolen credit card number. Capital One refused to accept a dispute from me because my name was not on the card. They informed me they would only accept a dispute from the card holder who at this time is deceased. I called Capital One three times to discuss this matter but they kept repeating that only my wife could file a dispute. I informed Capital One that I have a legal document from the State of Delaware when my wifes will was probated that states : That I understand that I will be submitting this affidavit to enable any person owing any money, having custody of any property or acting as a register or transfer agent of any evidence of interest, indebtedness, property or right of the decedent to transfer said money, property or right, or have such evidence transferred to me for the purpose of making distribution in accordance with the decedents will. Capital One would not accept this document. It is noteworthy to mention that other banks did accept this document where my wife had accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, in addition to the Internal Revenue Service. 
Capital One paid {$95.00} to XXXX which collects money for other companies. XXXX then would send the order and payment to XXXX XXXX XXXX XXXX XXXX. I contacted XXXX by email and they would not provide me with any information but led me to believe they followed their procedure and paid XXXX XXXX XXXX  XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXX and spoke to the owner, XXXX XXXX, who insisted she never received the order and was never paid anything by XXXX. This is further proof that the purchase was done with a stolen credit card number. 
I believe I have a legal right to the original credit amount in my wifes Capital One card account of {$610.00}. The dispute of {$95.00} is an illegal purchase that Capital One needs to accept and deal with as they do with other illegal charges.
Consumer complaint received 2021-05-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Mountain Run Solutions, LLC (IN)

I have told this company repeatedly for years to stop calling me. They have even called my mother and told her I would be prosecuted if I didnt pay. They have told me the same thing. The debt is not even valid, and they will not leave me alone. 
Most recently I was contacted via text on XX/XX/21. I asked them to have no future contact and they replied again. I also made it clear that I do not wish to be contacted by any means. They crossed the line when they called my mother a few years ago, and continued to call me after I asked them to stop, while always threatening criminal action.
Consumer complaint received 2021-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Reviewing the online payment history, I found that the company has, again, misapplied a payment. On XX/XX/XXXX, per my telephone conversation with XXXX, {$1200.00} was paid to be applied {$1100.00} to pay the XX/XX/XXXX payment and {$84.00}, plus the amount of {$1000.00}, which for absolutely no known reason has been kept in a suspense account, to make the {$1100.00} payment for XX/XX/XXXX ( confirmation # XXXX ). However, the payment history online reflects the full {$1200.00} being applied to the escrow account on XX/XX/XXXX. This presents one major problem, as the company has been reporting my account as late this whole time, which if the XX/XX/XXXX payment was properly applied, is not the case. Also, had the XX/XX/XXXX payment been properly credited I would not have had to increase the XX/XX/XXXX payment to again add the extra to the amount held in suspense so it would be credited as a full payment. LoanCareXXXX XXXX owes me {$84.00}. 

The company was contacted on XX/XX/XXXX to catch up on payments amidst the COVID impact on our financial situation by arranging to have a payment of {$1200.00} deducted from a specific account on XX/XX/XXXX ( confirm # XXXX ) and again on XX/XX/XXXX ( confirm # XXXX ). For a reason that no one can explain to me, {$2000.00} was deducted from a different account on XX/XX/XXXX, which over drafted that account. A stop payment had to be placed on that ACH with my bank to restore the account. Because the payment was reversed the company continued to report my account as past due, however, had they properly processed the XX/XX/XXXX and then XX/XX/XXXX payments, the account would not have been past due. In addition, the company then charged me for the stop payment! It was your company who processed an ACH for an unapproved amount from an unauthorized account! This {$40.00} fee must also be refunded to me. 

Prior to this, I thought the company was helping me by allowing a payment forbearance. However, at the end of the term of the forbearance, on XX/XX/XXXX, I received a letter requesting payment, in a lump sum, of {$11000.00} was due by XX/XX/XXXX or face foreclosure. This was not explained to me when I accepted the forbearance. It was by the grace of XXXX that I was able to quickly put together enough money to avoid further negative action on my mortgage. Further, it is my understanding that for XXXX XXXX backed loans, which my mortgage is, a bank can not require that the missed payments, or portion thereof, can be demanded to be paid in a lump sum payment after the forbearance period. 

Prior to this was no picnic for me with your company either. Attached is a copy of my email of XX/XX/XXXX.
Consumer complaint received 2020-08-24
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)

I am a victim of identity theft and did not make the charges. I ask that the item be blocked to correct my credit report. I've been fighting these accounts for several months with the credit bureaus and i'm getting no help at all.
Consumer complaint received 2021-05-30
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2018-07-28
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

On XX/XX/2018 CFPB complaint # XXXX was filed. The complaint requested that USAA report account # XXXX as " paid '' and " closed ''. USAA responded to the complaint on XX/XX/2018 stating information that the loan ending in XXXX was " included in a ChapterXXXX/Discharge status '', yet a balance of {$160.00} was due. This can not be true as you can not Discharge a Chapter XXXX and still have an account balance. Something is wrong here. It appears that USAA is 1 ). Calling into question the competency of the Trustee and Bankruptcy Judge, and, 2 ). Wants payment of {$160.00}. I request further clarification from USAA to what it will take for them to report account # XXXX as " paid '' and " closed ''. In the response to the previous complaint USAA only obfuscates, going over the Chapter XXXX information, ( although their numbers and the numbers on the Chapter XXXX Disbursement Schedule do not match ), and blaming the CRAs for not reporting information correctly - even though the merchant tells the CRAs what to report. Ultimately, USAA does not address why they will not report the account as paid and closed. I have included as attachments the initial complaint, credit report, my Chapter XXXX Disbursement Schedule, and Chapter XXXX Discharge Letter.
Consumer complaint received 2023-02-06
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not make the listed changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

Every time I try to log into my PayPal account online, I am met with a Security Challenge that does not work correctly.

The Security Challenge is a captcha that continuously tells you that you failed it, no matter what you do. 
The website does not seem to remember my computer as they keep sending me Emails saying a new login was detected. There is no way to get in touch with them at all, besides an automated message service on their website, or through XXXX / XXXX, both of which they ignore, and do not reply to. If you try to call, you get an automated response system, which directs you to use the message service on the website, and then hangs up the call.