davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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: Southwest Recovery Services, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for.6 purpose.
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

have been trying to get a home and was denied a loan because of a serious delinquency I have never been late on a payment and always payed everything on time after checking my credit report I was shocked to see a balance to PRA for {$980.00}! After further investigation this was connected to a XXXX credit card I got and was stolen and charged without my knowledge. I disputed these charges with XXXXXXXX XXXX and they assured me it was taken care of this was obviously not the case so I disputed these with the XXXX XXXX and XXXX deleted it but XXXX and XXXX came back as verified I am asking to please delete these from my credit report as I am paying the price for someone else 's mistake so if you could please delete these I would really appreciate it.
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I made the final payment on my XXXX XXXX XXXX to JPMCB Auto Finance, for {$180.00}. On XX/XX/XXXX the electronic check cleared my bank. Since then they have admitted they received payment but they can't track it down in their system. I have made several attempts to clear this up with them and spoken to several senior account managers with no results. I have a copy of the electronic check. they also keep changing the date for the completion of their investigation. This has now shown up on my credit report as over 30 days late.
Consumer complaint received 2021-09-19
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I HAVE HAD FIFTH THIRD FOR YEARS WITH NO MISSED PAYMENTS OR ISSUES UP UNTIL THE PANDEMIC. AFTER MY CREDIT LIMIT WAS LOWERED WITHOUT ANY CORRESPONDENCE OR NOTIFICATION, I AGREED TO UTILIZE THE HARDSHIP OPTION FOR MY ACCOUNT. IN XX/XX/2021 I WAS MARKED LATE & I CONTACTED FIFTH THIRD IMMEDIATELY. I MADE THE REPRESENTATIVE AWARE THAT I HAD BEEN SICK & ALSO LAID OFF WORK DUE TO COVID. I ALSO WENT ON TO CONVEY THAT I WAS UNDER THE IMPRESSION THAT MY ACCOUNT WAS STILL UNDER A HARDSHIP AGREEMENT. EACH OF THE REPRESENTATIVES I SPOKE TO SAID THAT THERE WAS NOTHING THEY COULD DO. I HAVE A BUSINESS ACCOUNT, CREDIT CARD ACCOUNT & PERSONAL ACCOUNTS WITH FIFTH THIRD & THE LACK OF EMPATHY & CONSIDERATION FOR CUSTOMERS DURING THESE UNPRECEDENTED TIMES IS NO LESS THAN A HEINOUS ACT. I AM TRUSTING THAT THIS MATTER BE ADDRESSED & CORRECTED. IF NOT I WILL BE FORCED TO CLOSE ALL OF MY ACCOUNTS ( BUSINESS & PERSONAL ) AS I REFUSE TO CONTINUE TO DO BUSINESS WITH A COMPANY THAT IS UNETHICAL
Consumer complaint received 2018-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

My current loan balance has ballooned over the years. It has ballooned to an estimate 200 % since its early balance. I believe the balance has been illegally reconstructed each time it has been transferred to a new loan servicer. I also believe the balance has been fraudulently consumed with unethical interest rates used by all loan servicers over the life of my school loans. My loan has been owned by a total of 4 loan servicing companies with 3 being mandated by the US Dept of Education. 

My current loan servicer is XXXX XXXX XXXX ( XXXX ) : account # XXXX. This loan was transferred and acquired on XX/XX/XXXX. This particular loan servicing organization did not transfer the history of payments from Navient ( account # XXXX ). I was making satisfactory Income Based payments with XXXX when the transfer took place therefore increasing the monthly income based payment amounts dramatically to an entirely different amount, which was larger. The new introduced amount lets me know the interest rate was changed and the recent payments were not applied from XXXX history. 

The same situation involving my XXXX also occurred during the transfer of my XXXX account from XXXX XXXX. This transfer took place on XX/XX/XXXX. 

Also, when applying for any income based school loan I have found that the Loan Servicer does not apply all evidence on the tax forms that adjust the AGI nor do they take into account ( or inquire ) the cost of living and daily life events ie medical bills, medical premiums, rent, electrical bills, water bills, number of family members, constant increase in rent every 18 months, inflation changes based on the state of resident, etc.
Consumer complaint received 2023-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late on purpose.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX XXXX, XXXX, I identified the fraud and unauthorized Capital One credit card account under my name in my credit report. The next day, I reported it as Identify Theft to local law enforcement, then started to contact Capital One and report this account as a result of Identity Theft. 

This issues has not been solved after several rounds of phone conversation and mails, including one complaint filed in XX/XX/XXXX in CFPB. Fortunately, in response to my complaint to CFPB, on XX/XX/XXXX, Capital One provided two pieces of feedbacks ( please see the attached file ) to support their claim that there was no sign of fraud for this account : 1. The account has the correct address. 
2. There is a phone number associated with this account that was linked to me in public record. 

I believe Capital One should consider the following facts : 1. Although the account does have correct address, but my mailbox was standing on the roadside and has NO lock. Therefore, the correct address is not a barrier for a criminal, who purposely steal my identity for his/her own financial advantage, to get mails from Capital One sent by Capital One, such as the physical credit card, which I never got. 

2. The phone number associated with this account was also a result of Identify Theft. I never have that phone number, and never received any mail associated with this phone number. I reported this fraud phone number to Federal Trade Commission, in the form of an Identity Theft Report, in the section of personal information. 

In addition, after identified this fraud phone number ( with 2 other phone numbers and a wrong name that was not mine ) in my credit report with XXXX  in XXXX XXXX, I called the three credit agency, reported these incorrect information, and ask them to remove these false information from my credit report. 

After getting Capital One 's response on XX/XX/XXXX, I called the three credit agency, they confirmed me that the phone number mentioned in Capital One 's response is not associated with me. 

This fraud phone number, which is another result of Identity Theft, should not be considered as a piece of evidence against me. 

If Capital One identified other public record that link this phone number with me, please inform me so that I can report such fraud to the correspondent institute/company. 

As a victim of Identity Theft, and a consumer, I did what I could : I reported to FTC and local law enforcement, and reported the fraud account to Capital One, tried to solve the issue. Finding out who steal my identify is beyond my capability.
Consumer complaint received 2022-04-28
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. (NY)

I would like Experian to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX  they have caused me and my family.
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (TX)

A derogatory remark appeared on my credit report on XX/XX/XXXX and it was put by the CBE Group. I contacted the CBE Group on XX/XX/XXXX and I let them know that the debt is disputed and I also told them that they did not try to contact me to first before putting the debt on credit report was derogatory remark and thereby hurting my credit score which dropped by more than 25 pts by this action. When I contacted CBE group and disputed the payment, they said they will remove the debt remark immediately but it has been 14 days today and the this fraudulent debt has not been yet removed from my account.
Consumer complaint received 2021-05-03
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 ()

Money received last XX/XX/2020. My paypal account was put in limited account, can not withdraw and transfer money. Need to wait for 180 days. After 180 days, money can not transfer & withdraw to linked bank and put to 180 days limitation again for the 2nd time. I want to get my money from Paypal. I waited long time, still can not get my money.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (NY)

I, XXXX XXXX, a consumer and natural person, was denied credit by TD Bank, N.A, when I applied for a line of credit.

Taking adverse action against a consumer is absolutely AGAINST THE LAW according to the Equal Credit Opportunity Act codified in 15 U.S.C 1691c, which emphasizes that they can not discriminate against credit applicants when the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Pursuant to 15 U.S.C 1692k, TD Bank , N.A . is civilly liable. TD BANK, N.A, is also in violation of the following codes : 15 U.S.C. 1642 15 U.S.C. 1681m 12 CFR 1002 12 CFR 1026.1 20 ( iii ) I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this unauthorized use of my credit card and has caused my credit score to decrease and my business proceedings to suffer because TD Bank N.A. used my credit card and extended no benefit.

Pursuant to 12 U.S. Code 83 banks can not loan their own stock. It is clearly stated and also set in precedence with case law.

A national bank has no power to lend its credit to any person or corporation. 
... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

This means it is not their credit that is being extended but MY credit they are denying me access to. I am aware of double banking and how they pull this off and that I am in fact the original creditor. Their role is to provide a finance charge and service my request for credit. 

Pursuant to 15 USC 1602 ( j ) I have an open ended consumer credit plan. Since my credit plan is open ended and TD Bank can not lend its own stock, TD Bank , N.A . in fact has no right to deny my credit request.

Please take note that if TD Bank, N.A fails to make the reasonable procedures to issue the credit I personally guaranteed, meet my said demands below and compensate me for the use of my credit card, I will indeed make TD Bank, N.A criminally liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I have asked them to meet the following requests : 1. Issue the line of credit they used my credit card to access.

Please further in the matter.
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Godwin-Jones & Price, P.C. (VA)

Hello, You have an open complaint XXXX XXXX XXXX, which is currently being investigated. In looking at it, though, there doesn't seem to be a way to attach additional information. I'm finally starting to receive monthly statements, and, in addition to the legal fees they're trying to collect, they've added a " re-rent through '' amount of about {$1200.00}, which I don't believe I should pay since I haven't lived in the community since they evicted me in XX/XX/2020. The document is attached here. Thank you.
Consumer complaint received 2023-02-09
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. (IL)

I disputed this account with XXXX XXXX with the CFPB back in XXXX and they told me via the cfpb that they requested this account be removed in 60 days, but its XXXX and it is still reporting!
Consumer complaint received 2023-04-06
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. (SC)

I submitted documentation to all 3 credit bureaus on XXXX XXXX XXXX bureaus did not respond within the 30 days granted by law and all listed accounts are in direct violation of the law. 15 U.S.C. 1681 section 604 STATES THAT Consumer Reporting Agencies such as Experian, XXXX and XXXX can not furnish and account without my written permission. 15 U.S.C. 1681 section 602 States that I have the RIGHT TO PRIVACY. A consumer report means any written or oral communication bearing a consumers credit worthiness. A consumer report excludes or does not include transactions or experiences soley based on information between the consumer and the person making the report. The accounts listed below are fraudulent and should be removed immediately. The bureaus have not responded in the time allowed by law and they are blatantly breaking the laws set forth. 

XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Ref # XXXX all credit inquiries should be removed because I haven't applied for any new credit.
Consumer complaint received 2022-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (TX)

Caine and Weiner came in to the picture after providing them proof we ( a texas business ) did not owe the debt. We have proof and provided them with the signed contract of a past customer. This ex-customer signed the " no refund '' policy came on to our property damaged it. Ruined a prime weekend rental then contacted their XXXX XXXX Our XXXX XXXX refused the charge back ( rightfully so ). Then came the scammers and XXXX 

They attempted to collect a fraudulent debt. Then they harrassed us daily with calls, letter threating to ruin our credit. This is a federal violation of law. We submitted a certified letter warning them against this. They continue to this date with their XXXX inspired XXXX, collection attempts. XXXX then placed a collection account AFTER our letters and proof were provided. This is FEDERAL harasement and they continue to do this to others. Check with the XXXX  and XXXX office in TX and FL. They are investigating these scammers. Please review the attached docs. We need criminal prosecution. This company is operating as a criminal enterprise.
Consumer complaint received 2019-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Debt Reduction Services, LLC (KY)

I received a call on XX/XX/19 from a angry woman. This is HARASSMENT. 

I was never told orally or in writing I had the right to earn interest on my funds deposited. 

2 ) I had the right to withdraw any of my funds on deposit at anytime without penalty. 

3 ) The Nationwide Debt Reduction Administrator is not affiliated with them at all. 

This. Ocompany continues to call and harass me without providing me any of my requests for an account payment history and account audits.
Consumer complaint received 2018-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (TX)

In XX/XX/2018, I called a debt collection agency that I received a piece of mail from. The company is XXXX XXXX XXXX. I live in a documented disaster area, and after hurricane harvey hit, we had a different mail man and we were receiving other people 's mail, and some of our mail wasn't being delivered. I never got a previous letter from this debt collector so once I received their letter in XX/XX/XXXX, I called and talked with a lady and told her that I never recieved any previous correspondence and I gave her an offer to pay a portion of this debt they said I owed. The lady put me on hold and came back very rude, telling me that I DID receive their letters and giving me dates that I received them and yelling at me. I never got a letter to dispute and it's unfair to not settle with someone in a disaster relief area seeing as we were out of work, etc during that time.
Consumer complaint received 2021-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NJ)

I would like to make a complaint against XXXX XXXX XXXX & Remex Inc.for Opening a cllaim against me dated XX/XX/2015 that I owe {$150.00} for a service I did not use or never have I heard of this Company about any due bills.and now this issues have been given to Remex Inc . Collections to destroy my Credit without trying to contact me about the matter First.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am trying to obtain my XXXX  int documents. I have been trying to access my account information for CapitalOne 360 all day. When the website finally came back online there is no way to access my XXXX  int documents. The contact phone number states that they are unable to assist me.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX  ACCT NUMBER : XXXX  DATE : XX/XX/2017 XXXX
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: XOOM CORPORATION (NJ)

I received a collections letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Since it did not list my name correctly, I assumed it was spam. At the time I also reached out to the originator of the debt to see if it was a scam and XXXX never responded to me. 

XXXX sent another letter, again telling me I owed this dept. This time I replied and asked them to explain what the debt was. I received a letter in the mail that listed the debt but all of this information is new to me. 

The identification that is close to mine is : Most of my first name ; All of my last name ; Most of my address. The other identifying information in this letter lists email addresses and persons unknown to me. Other identifying information that is unknown to me includes bank account information and transaction dates. 

This is identity theft. I have reached out to the original debtor ( Xoom ) and told them as such.
Consumer complaint received 2022-01-10
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. (TX)

Unauthorized inquiry on consumer report I have informed XXXX, Experian and XXXX to remove hard inquiries off my consumer report due to not having my consent but they have willfully non-complied. Ive sent in multiple letters on the FCRA laws that govern them and they have still not responded by removing these hard inquiries. 

XXXX XXXX XXXX XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third-party with my private or personal information your offenses amount to Aggravated identity theft pursuant to 18 USC 1028 ( a ). You have knowingly transferred, possess, or use, without lawfully authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability.