davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX, XXXX, and XXXX XXXX ( XXXX ) stated they have sued me on BEHALF of Capital One Bank N.A. However, Capital One Bank has no authority of the account as they sold it to XXXX, XXXX, XXXX XXXX, who is a debt collector which therefore means that they can not sue me on Captial One Banks behalf. This is a very shady and unethical practice by this Debt Collector as they are trying to seem as if Capital One is suing me when they are in fact NOT! 

Secondly, I ask via CERTIFIED MAIL for XXXX to provide me with the following : 1. ORIGINAL agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my ORIGINAL signature stating that I have agreed to assume the debt 3. Valid ORIGINAL copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete and ORIGINAL payment history on this account along with an accounting of all additional charges being assessed 6. Proof that XXXX, XXXX, XXXX XXXX XXXX. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent Instead of sending the above, they sent me a packet of photocopied pages of statements that I have never once seen before. They also sent a photo copied letter with a hand written date on it which is not legal to do as well as told me I am not allowed to get the above information.
Consumer complaint received 2024-02-06
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC (NY)

I received three texts saying my number has been verified for them to send me debt collection texts. I do not owe national grid nor their XXXX  credit agency money, i checked & have the receipts to prove it. I did not give this company permission to purchase any debt in my name, nor sell it and any of my personal information. I do not want any form of communication with them, they should not be trying to contact me at all anymore ; this should be a complete Cease & Desist. 

I would also like Consumer financial protection bureau to contact XXXX XXXX because I absolutely do bot owe them money. I kept calling to make sure of it. Also i have Financial statements.
Consumer complaint received 2021-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted XXXX  regarding these unauthorized inquiries on my report to be removed and they refused. 

I have submitted in writing by certified mail with a return receipt that these were fraudulent inquiries and request for them to be removed.
Consumer complaint received 2024-03-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (OH)

The charge is fraudulent they keep denying my dispute without verifying with the merchant if the charge is fraudulent XXXX has no record of the transaction and cash app is denying the charge which brought my account negative
Consumer complaint received 2024-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

They sent me a message saying my mortgage loan was payed off. I have gave them over {$28000.00} XXXX. And was told over the phone it was payed off. They told me to make one payment in XXXX and that would be it. Now they say I owe {$4800.00}. They charged me all kinds of fees and to much interest and didn't apply the money I gave the. To the principal.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX Attachments Fri, XX/XX/2023, XXXX to claimcard Dear Sir/Madam, I am writing to you in regards to fraudulent charges that have appeared on my Wells Fargo account , which I strongly believe to be a result of identity theft. I would like to bring this matter to your attention and request a thorough investigation into the fraudulent activity associated with my account. 

On XX/XX/2023 I noticed several transactions on my account statement that I did not authorize or recognize. These charges amount It is important to note that I have always been vigilant in monitoring my account activity, and I can confidently confirm that these transactions were not made by me.

Furthermore, I have attached a conversation transcript [ or any supporting documentation ] between myself and XXXX, a credit bureau, which clearly demonstrates that my personal information was tampered with by an unknown individual. This incident not only highlights the severity of the fraudulent activity but also underscores the urgent need for a thorough investigation.

I understand the importance of maintaining the security of my account and the bank 's commitment to protecting its customers from fraudulent activities. Therefore, I kindly request that you take immediate action to rectify this matter. I would appreciate it if you could : 1. Initiate an investigation into the fraudulent charges and provide me with a detailed report of the findings.

2. Temporarily freeze the affected account to prevent any further unauthorized transactions from taking place.

3. Refund the fraudulent charges and restore my account balance to its correct amount.

4. Reinstate the necessary security measures on my account to prevent any future unauthorized access.

I assure you that I have taken all necessary steps to safeguard my personal information and have reported this incident to the appropriate authorities, such as [ local police department or relevant fraud reporting agencies ]. I am more than willing to provide any additional documentation or cooperate fully with your investigation to bring this matter to a swift resolution.

I kindly request that you provide a written confirmation of the receipt of this letter and an estimated timeline for the investigation and resolution process. Prompt action on your part is highly appreciated.

Please reach out to me at [ phone number ] or [ email address ] if you require any further information or clarification. I remain committed to cooperating with you to resolve this matter promptly.

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-03-02
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. (NC)

I recently received a copy of my credit report and found that XXXX XXXX   account ( XXXX XXXX ) showed a past due balance and 90 days past due this information is not true the account was paid in full with a XXXX  balance however after several disputes the information has not been updated
Consumer complaint received 2017-06-27
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. (TX)

Since XX/XX/XXXX, each and every month thereafter through XX/XX/XXXX, I have disputed the following via Certified Mail to both the Credit Bureaus AND XXXX XXXX requesting updates to the incorrect information on my Credit Files ; and to date, no response from either the two Credit Bureau and / or from XXXX XXXX XXXX : : XXXX : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX EXPERIAN : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX I request that the said Credit File Information be updated accordingly or t provide an account payment history ; and to explain why XXXX XXXX rejected over 80 payments from XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2017-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

I received a collection call a few months ago claiming I had a debt in collections. I immediately thought it was a scam because it sounded sketchy especially since I am responsible and married a CPA who manages finances. 

I received another call. I asked what they were talking about and they told me they acquired the debt from XXXX. I did cancel XXXX within the last few months but I had that account for 17 years and verified I did not have a contract before canceling due to service bad at my new home. 

I asked for the reason of the charge to which they could n't tell me. I asked to dispute it and was told to contact XXXX since they are the only ones who can see the reason. I called XXXX and they could not tell me anything since the account was purchased by collection company and I 'd have to contact them. I went back and forth several times. I put in a dispute with the collections company and was told it 'd be reviewed and I would be contacted. That was a couple of weeks ago. 

I am currently trying to purchase a larger car since my wife is XXXX in 6 weeks. I decided to check my credit and find that my XXXX score is XXXX and my XXXX is XXXX because they reported the false debt. To put it perspective it has n't been reported on XXXX and my score is an XXXX. This is going to significantly cripple me getting the interest I should get not having this. 

Thanks,
Consumer complaint received 2023-01-27
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX Credit Reporting error I have contacted XXXX XXXX XXXX and have received the letter confirming that the account was closed and there are no issues. Please remove this from my credit file. XXXX XXXX Opened XXXX Reported XXXX Hi. Credit {$200.00} Credit Limit {$200.00} Thanks XXXX XXXX XXXX
Consumer complaint received 2020-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Over the last year, I have paid my debts on time and off. Last month, I inquired for a mortgage and my XXXX  report was XXXX. Since that report, I have paid off a huge collection. After paying the collection, XXXX  took my score down to XXXX. I have called them twice to find out why they punished me for paying my debt but they say that my score is based on other issues. No other issue have occurred on my report other than I have paid the collection and an auto loan that has been paid in full and is not showing paid on any bureau reports. I do not understand how I am being punished with a lower credit score after paying the debt opposed to my score increasing as other reporting bureaus have done. Please help as I am currently homeless and at this rate and the credit score game, I will never be able to afford or qualify for a home. Thank you.
Consumer complaint received 2017-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (CO)

I was a cosigner for a tenant at XXXX XXXX XXXX in XXXX of XXXX. When the tenant moved out there was a balance owed beyond the security deposit but I was never notified of this debt. I was only informed of this when I was declined credit and discovered that XXXX XXXX XXXX had sent the account to a National Credit Systems. As soon as I discovered that there was a problem I immediately paid the debt in full. <P/>When I asked if XXXX XXXX XXXX had my information they informed me that they did. Because they took no steps to inform me of the debt nor give me any opportunity to resolve the charges before they sent the account to collections, I dont believe that this is fair. <P/>When I asked XXXX XXXX XXXX for help they responded, " Any disputes or discrepancies about this matter do need to be in the form of written communication. While I do understand that it is paid, unfortunately there is nothing I can do personally to get it removed from your credit. You can contact the collection agency and they will assist you or contact us and let us know if there are any steps we can take to help get this removed from your credit. However, from my experience, that is not a normal occurrence. ''
Consumer complaint received 2017-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (FL)

I opened an account with BMO Harris bank under a promotion to receive a {$200.00} bonus after a maximum of 120 days. Per BMO I was to use promo code " XXXX '' which would be automatically applied and " have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. '' Here is my timeline of events : XXXX/XXXX/XXXX - account opened with promo code XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - closed account I closed my account after 150 days and no promotion bonus was received. I contacted customer service via echat but they advised they were unable to assist.
Consumer complaint received 2019-10-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (IN)

BrightLending is not licensed in the State of Indiana. I requested to stop payments and refund the difference in what I was told I needed to pay and the actual amount. When I notified the company, they stated tribal laws do not apply to states. They are not located in Indiana nor licensed in Indiana but continue to harass and will not refund the difference that I was told I needed to pay and what I actually paid..
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

Between XX/XX/XXXX and XX/XX/XXXX, a period of over 3 months, a XXXX XXXX XXXX, mortgage originator, XXXX XXXX, handling a conventional cash out mortgage refinancing, undertook that refinancing at XXXX XXXX. During that time XXXX XXXX, NMLS Number XXXX, made repeated intimation that the mortgage application had been sent to processing, was processed, and all that was waiting was an appraisal. We waited over 2 months subject to such intimations for an appraiser to arrive. Thousands of dollars of cosmetic work was done to the property. Late XX/XX/XXXX, it was disclosed that XXXX. XXXX XXXX did not ever send the request for an appraisal. Then, it was subsequently disclosed by a party purporting to be XXXX. XXXX XXXX XXXX " supervisor, '' a XXXX. XXXX XXXX, NMLS Number XXXX, that XXXX. XXXX XXXX had n't included XXXX XXXX dollars to XXXX XXXX dollars of oil and gas properties owned by the applicant on the mortgage application, all documented assets owned per XXXX 's, leaving the debt to asset ratio affected, complicating the mortgage application. <P/>During the entire time, the DPOA for the applicant, a political person, one of the largest in the jurisdiction in question, XXXX XXXX, and XXXX XXXX XXXX XXXX, and the applicant 's son, was repeatedly questioned about his business activites, the XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX 's own XXXX  XXXX in Montana, or that of her family, along with his associations with the Donald John Trump Leadership Conference and XXXX XXXX XXXX XXXX, and the XXXX XXXX of the United States. When XXXX. XXXX XXXX 's conduct came to light and her supervisor 's contact information was requested, XXXX. XXXX XXXX texted from her private cell phone " She just really wanted to find a solution '' to bar involving her supervisor. <P/>Then, in XX/XX/XXXX, someone at the bank reversed a mortgage payment for reasons yet to be disclosed by the bank, seemingly aiming to damaging the applicant 's mortgage application from a malicious impulse rooted in political animosity along with general personal animosity. After the matter was brought to the bank 's attention -- That respective matter was reversed curing that immediate matter. <P/>At this time, the bank in the person of XXXX XXXX, is refusing to account for his colleague 's conduct, the bank 's politically motivated subversion of a standard mortgage application, and is refusing to account for millions of dollars of assets, real property oil and gas interest, which do not appear on the application as processed by XXXX XXXX to the bank 's mortgage processing division. <P/>The applicant 's DPOA has been threatened by XXXX XXXX, hung-up on, and suggested to go XXXX himself : XXXX. XXXX XXXX acting to serve the interests of his colleague as opposed to interests of the bank and the bank 's client subject to the legal rights and protections of the bank 's client.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (MD)

This complaint is in reference to case # XXXX against Square. Square requested that I open a new savings account and I did on XX/XX/XXXX. I contacted Square and let them know that I opened a new savings account. They sent a link for me to verify the amount that was put in the new account which was XXXX. The link continued to take me back to the sign in screen and would not allow me to verify. I waited one week and contacted Square again and spoke to XXXX who then verified my account and she assured me that the account was verified and my money would be transferred into my account in 1 to 2 business days. It has been another week and Square has not transferred my money into my account. My business is suffering because they are holding my money. I will be also contacting a lawyer if this isn't resolved soon.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MOUNTAIN WEST FINANCIAL, INC. (CA)

Around XX/XX/2020 applied for a home loan conventional financing and the Mountain West financial denied me and never gave me a conclusion explanation they cost me over {$1300.00} dollars in perdiem fees from the seller. I feel they should pay me back plus pain and suffering of another XXXX dollars.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.
Consumer complaint received 2019-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I reported lost debit card onXX/XX/XXXXdiscovering multiple atm unauthorized withdraws. My bank has still not refunded me. Wells Fargo bank has charged me more additional overdraft fees on both my accounts due to these transactions. I am not able to get any help.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Texas Guaranteed (SC)

Hello received a call a few months ago about a Consumer Debt reduction plan called XXXX XXXX XXXX to lower my dept by lowering the APR 's on my credit cards. I told the guy it really looked too expensive ( 5 payments of {$170.00} per month ). I asked if I could cancel at any time and the guy selling me the service I could at any time and texted me an ACH Payment Auth form that said if I wish to revoke this auth and cancel any scheduled debit to my account I can do so within 3 days of debit and to notify them at XXXX XXXX XXXX XXXX. They had me agree on the phone and they talk so fast and they said that should they not do their job I 'm entitled to a full refund. So I called in XX/XX/XXXX to cancel and the person said ok. On XX/XX/XXXX my account was debited. When I called this time. I could told I did a verbal commitment and could not cancel and they will continue to debit my account because ( I ) did not finish the business with them. They also told me they will report it to the credit bureau until the full amount was paid. Nothing is in righting and if I would have known that the contract was irrevocable I would have never agreed to such a thing. Please help me cancel with this company. All I have is a phone number and they are very rude and refuse to cancel. They make me feel like I 'm abusing them and I signed a mtg agreement. This is misleading and wrong. Please help me. They 've deducted two payments of {$170.00}. Now I may have to cancel my whole bank account and have so many auto debits it 's going to be a real hassle. Please help me.
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: Upgrade, Inc. (NV)

in accordance with the fair credit reporting act this creditor ( Upgrade Inc. ) Has violated my rights under 15usc1681 section602 states i have a right to privacy 15usc1681 section 604A section2 it also states A consumer reporting agency can not furnish an account with out my written instructions, under 15 usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.