davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE FINANCIAL CORPORATION is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. CAPITAL ONE FINANCIAL CORPORATION has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. At this point CAPITAL ONE FINANCIAL CORPORATION has sold for gain my location information to two different corporations. CAPITAL ONE FINANCIAL CORPORATION has disabled accesses to my account since 2018 but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Behavior like this is predatory, harassment, oppressive, abusive and harmful and will not be tolerated.

i now have 3 different corporations reporting on my credit report for the same credit line stating i owe them all
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CO)

From the first incident with them, they reduced my credit limit without communication at all. No mail, email, or XXXX XXXX drop off message ... Now they just closed my account without my knowledge ... That may cause an issue within my credit in midst of covid pandemic ...
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brennan & Clark, Ltd., LLC (WV)

XXXX XXXX contacted me on XX/XX/2018 reguarding a insurance debt. He impersonated being a attorney and said that things were going to escalate if I did not pay. I demanded a letter in the mail showing proof of the debt and was told no, and to either pay with my check information over the phone or be sued. When i told him that I would only pay via paper check, he started threat inf me and demanding my checking information. He has since called again today and told me if I do not pay that they will sue me. He is not an attorney and is very unprofessional.
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (GA)

From : Source XXXX XXXX Phone XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX I received a written notification on XX/XX/XXXX ( dated XX/XX/XXXX ) about an unpaid balance of {$93.00} related to the preparation of my XXXX tax return prepared and e-filed at H & R Block in XXXX. 

I contacted Source Receivables Management debt representatives at XXXX. The representative was unprofessional and disrespectful. As I attempted to explain that I was a victim of identity theft, he continually interrupted, called me a liar, and raised his voice. 

I tried to explain to the Source Receivable Employee, a criminal named ( let me know if you want his name ) committed tax fraud with my identity. This has been verified by the Department of Treasury.
Consumer complaint received 2018-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (TX)

I received an initial demand letter from State Collection Service dated XX/XX/2018. My husband contacted their agency the following week and spoke with a XXXX XXXX ( legal supervisor ). He asked if their agency was aware that the debt was disputed in the last 20 days with the previous agency she stated no and they were not made aware by either the previous collection agency or their client ( XXXX XXXX ). After discussing the account with XXXX XXXX for over 10 minutes my husband asked if she knew who she was speaking with and she stated XXXX. My husband explained to her that he was not XXXX and she continued to address my husband as XXXX four other instances. When asked if she was aware that she had violated third party disclosure laws by not verifying who she was speaking with, XXXX XXXX responded by saying she did and then stated that the agent who transferred the call told her that she had done it. My husband explained that no one asked who they were speaking with at any point and that she had released personal information relating to the debt and asked to be transferred to her manager. XXXX XXXX stated that would be XXXX XXXX but he would not take or return the call as we claimed there was an FDCPA violation. We requested that she go back to the call and review it for quality control to verify that she did violate third party laws but she stated their agency does not record any conversations. This is the second agency we have requested validation of debt from only to have no one return our calls or provide any documentation.
Consumer complaint received 2022-10-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have a letter from XXXX XXXX that states that they are reporting a specific name and address to my credit file in regards to an account on my credit file and Equifax verifies this account as accurate. I have disputed the accuracy of this information numerous times stating that this account does not belong to me and must be removed from my account. It has been removed from my XXXX and XXXX accounts because it does not belong to me upon checking and verifying my personal information with Equifax, the information that XXXX XXXX is reporting does not exist on my credit file. How is this account accurate if the information that the creditor is reporting does not belong to me? Equifax is either lying about this account or not conducting thorough investigations. According to Fair Credit Reporting Act 611 ( a ) ( 5 ) ( A ) ( i ) if during a reinvestigation there is information that is deemed to be inaccurate after prior investigations claim that it is inaccurate, this information must be promptly removed. Equifax has continuously verified this account as belonging to me yet the creditor is reporting information to my credit file that does not belong to me and does not exist. This is a clear violation of my federally protected rights as a consumer and this account must be deleted immediately.
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (WI)

Hello, I have been using Binance.US ( otherwise known as BAM Trading Services, Inc. within the US ) to purchase cryptocurrency and encountered an issue where on XX/XX/21 I attempted 2 USD transfers via ACH from my FDIC insured bank account to my account with Binance.US. After waiting for 5 minutes for the transfer to go through, Binance.US reported that the transfer/deposit failed ( both attempts ). I then attempted to use my debit card linked to the same bank account to transfer funds. This transaction was also reported as failed by binance.us. By the way, Binance.US says that funds held as USD with them are FDIC insured.

As expected with the failed transactions, no USD funds were deposited into my Binance.US account. Okbad productbut no harm, no foulor so I thought. I logged into my bank account on XX/XX/21 and saw that it was debited by Binance.US for {$500.00} despite the failed transfers. I logged into Binance.US to check for the {$500.00}. Nothing. 

So in short : I was told the transfers failed, my bank account was charged anyways, but I never received the funds in my Binance.us account. 

I submitted a ticket/service request with Binance.USs customer support on XX/XX/21. They said that it usually takes 30 business days for an initial response ( which in itself is unacceptable ). I waited and waited and waited. No response. 

I resubmitted a ticket/service request on XX/XX/21 and waited two more weeks. I then took to other methods of contacting them ( they dont list a phone number ). I noticed they have an active XXXX page with a support request section where you can request to have your ticket escalated. I submitted a message in that section and received a response that my ticket was escalated around a month ago. After waiting another week of no response, I submitted a request again on XXXX with the same message of escalated ticket. 

On XX/XX/21 I received my first email from XXXX at binance.us customer support saying that they received my request and submitted a request to their payment provider for additional research. That was the last that I have heard from XXXX. On XX/XX/21 and XX/XX/21 I reached out to support again via XXXX. Same response. Yesterday I also attempted to contact them on XXXX. Received a similar escalated ticket response. 

I have copies of all communications and screenshots of my accounts/account statements. 

At this point the issue has been outstanding for 3 months. I am running out of options. The amount of time and effort I have put into this is worth more than the money and Im considering filing a lawsuit as this is now, in my mind, bordering on theft. Contacting CFPB is my last effort to get this resolved before going the legal route. 

Thank you for your help.
Consumer complaint received 2022-01-08
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I applied for a mortgage through Citizens Bank and in the last week ( XX/XX/2022 ) before closing the an employee ( XXXX XXXX XXXX said there was a " hiccup '' with the loan. I lost my temper because this was the second time that an XXXX hour request for documents that threatened to jeopardize the deal had been made. I threatened to take legal action against Citizens if they cancelled the loan, as well as file a CFPB complaint. Communication between myself and the loan officer broke down at that point and a manger told me that the file had been referred to " customer care '' for " escalation. '' I was further informed that my communications triggered the transfer of the file and that there was nothing that could be done. It is also worth noting that I have been approved for a grant through the City of XXXX to cover closing costs. Documents have been submitted to the city of XXXX that establish that I had been approved for a mortgage through Citizens. Because Citizens did not transmit documents associated with the closing of the sale to the city two days before closing ( XX/XX/2022 ), so that the closing costs grant could be disbursed, my loan has not been properly processed. I can only guess about what has caused the " hiccup '', and my best guess is that a student loan appeared on my credit report during the final stages of the closing process. Nonetheless, I have relied on Citizens to enter into a contract to purchase XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and now that contract is now broken as a result of Citizens inaction. Citizens has demonstrated an unwillingness to even make me aware of what information they need to grant final approval for the loan. I have made repeated attempts to get them what they want to close on the loan. They have not responded to my requests.
Consumer complaint received 2020-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account
Consumer complaint received 2021-04-24
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. (AR)

A consumer finance account XXXX  is wrongfully being reported on my Experian report. I have no knowledge of such an account and have disputed it with Experian yet they have refused to remove it. This is a fraudulent account and I want it removed!
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (FL)

I underwent a routine test at a local clinic and the visit and all procedures were fully covered by XXXX, the health insurance company. XXXXXXXX XXXX  Explanation of Benefits indicates that the physician 's clinic, XXXX XXXX, was paid directly by XXXX. Despite receiving payment in full, XXXX XXXX, repeatedly tried to double bill me directly. I explained to them several times over the phone as well as in writing that this bill had already been paid by XXXX. They simply ignored my response and in partnership with their collection agency, Frost-Arnett, have repeatedly tried to fraudulently collect monies that were never owed by me.
Consumer complaint received 2018-07-09
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: Specialized Loan Servicing Holdings LLC (GA)

Dear CFPB, These two mortgage companies reported false information on my credit reports. 
XXXXXXXX XXXX and SPECIALIZED LOAN SERVICES. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed XXXX XXXX  from my report but not SPECIALIZED LOAN SERVICES. 

At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
Consumer complaint received 2022-10-06
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: SANTANDER HOLDINGS USA, INC. (NC)

On XX/XX/2021, I went to the Iconic Motors company on XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX to purchase a used car with cash. XXXX XXXX assisted me with this matter but he also tricked me into giving him my personal information by filling out an application and using that application without my consent to have my credit ran for financing a vehicle. There was two vehicles I was looking at that just came in because 2 people traded in those vehicles 2 days prior to me arriving. I wanted to know the prices on them. XXXX XXXX stated that he would have to speak to his manager first. He left and came back and told me that if he doesn't sell them to the public they will have to sell the vehicles to a whole seller. I really wanted the XXXX XXXX. He stated he will call me back with a price. I called XXXX XXXX constantly for 2 weeks until XXXX XXXX called me back with an answer stating that they sold the cars to the whole seller. On XXXX, I checked my credit reports and contacted each credit reporting agency, I found out that my credit was ran by 4 different companies so I sent XXXX XXXX a notarized, signed document demanding an investigation and remedy on XXXX to XXXX XXXX XXXX. I was simply ignored. I contacted XXXX XXXX XXXX the XXXX XXXX XXXX Chamber of Commerce and he ignored me. I was constantly trying to resolve this issue with XXXX XXXX but I was discarded.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

I applied and received a Credit card from " Best Buy '' store. The interest rate/APR, I agreed was 6 %. 
The Credit card issuing Bank, CBNA/Citi Bank, has began to charge the APR/interest rate 25.24 %, since XXXX. They did not informed me. I appealed and requested to reduce the interest rate. They did not consider. 
My Credit Card Balance, on XX/XX/XXXX, was {$570.00}. 
It has increased upto {$710.00}, as I stopped payments since XX/XX/XXXX. 
The Bank did not accept/consider my request to reduce the APR reasonably or as I initially, agreed rate of 6 %. 
Further, There was a Fraudulent transaction, which has not removed from my account., and the CBNA charge the interest for that amount. ( I did not recognise the continued APR )
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$590.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. 


Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was sent a letter of notice stating that I need to pay my past due payment of XX/XX/XXXX by XX/XX/XXXX to avoid negative reporting to the Credit Bureaus. I had a problem before with XX/XX/XXXX payment because I was unaware of Capital One reporting policy, so I didn't want to get another late on my credit report. 

I made the payment to capital one as always through my checking account on XX/XX/XXXX. It was marked as paid when I checked it the next day. 

( My XXXX, XXXX and XXXX, XXXX credit report didn't show a XXXX, XXXX late payment at all. It wasn't unit XXXX 's credit report update it had showed XXXX late payment, this is the only time I saw that my payment was marked as a late payment. this took 2 months for them to know this. 

I assure you I had done everything right on my end to make this payment on time. I didn't want this to hurt my credit report badly. ( just about everything is automated and very little human intervention is involved. )