davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

In XXXX I filed a claim through wells fargo for a dating website that I spent XXXX $ on. They credited my account as I told them the services were faulty and the app kept deleting my account after I've paid all of this money. As of two days ago, XX/XX/XXXX I recieved a letter from wells Fargo stating they were reversing the credit because they didnt have enough information when In fact i gave them every piece and detail of information. So i called and had to tell them again, to reopen the claim. The next day i checked my bank and it was XXXX, as it had sucked whatever remaining funds out. I am a XXXX XXXX year old, that receives government money and can not afford to pay this without losing my living situation etc. I am trying to get on my feet and save up for my own car and this makes it absolutely impossible to achieve my goals. Wells fargo is awful. Please do something about this.
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

I XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (VA)

Santander Bank, my mortgage company, has failed to apply a check for my mortgage. I have provided a copy of the cancelled check showing that they cashed it on XXXX with my mortgage number typed on it by them. I contacted them on XX/XX/XXXX when I was informed in the mail about the missed payment. I was told to email a copy of the cancelled check to a customer service email. They assured me they'd expedited it as their normal business practice is to take 5-7 days to research these issues. I emailed the cancelled check. I called back on XX/XX/XXXX because I received a new notice in the mail. I was told this was the first they had heard of it and was provided with a different customer service email address to send my cancelled check as proof that payment had been sent. Both times the customer service agents stated they would contact me to follow up. I did receive an auto-response from the customer service email letting me know they'd received my message so I know they have the copy of the check they cashed on XXXX. I called today XX/XX/XXXX and was told they had until XX/XX/XXXX to inform me about their resolution. During all of this, to add to the frustration, their customer service agents have left me on hold for more than 10 minutes and one even hung up on me after having me hold for that long and every time I call I have to go through the entire issue as if they have no record of it. I just spoke with a supervisor and once again was assured I will hear back from her. There has been no return call as of yet.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

After reviewing my consumer report I noticed that two new accounts were reporting negatively on my report. I have no knowledge regarding any of these accounts. This negative reporting is problematic because now I'm unable to apply for any type of credit and what adds insult to injury I did not open these accounts. I have made all reporting agencies aware of this identity theft issue and they irresponsibly reported this harmful information. I have tried address this matter but nothing was resolved. 

In accordance with the Fair Credit Reporting Act XX/XX/XXXX( Account # XXXX ), XX/XX/XXXX XXXX XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 SECTION 602 A states I have a right to privacy. 
15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish any account without my written instructions.
Consumer complaint received 2021-08-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Dear Capital One, I did receive the response youve sent attached to my complaint submitted to the CFPB dated XX/XX/XXXX and while I respect that you responded to my Affidavit of Truth, you still did not answer or respond to any of the information contained within the notarized Affidavit of Truth, which still stands. You also advised that XXXX XXXX XXXX XXXX made my first payment due to delays with funding. There was no new contract provided ; there was an additional processing of my consumer credit file ; and you have failed to provide me with full disclosure of the terms of the contract ; I am ordering you to show cause of debt, and show the effects of credit on the financial journal and ledger entries so i can verify and validate any alleged obligations. While you advised that you denied my request to rescind contract, retain possession and obtain refund of down payment, you failed to advise why you are refusing so, and why there isnt an adequate or thorough response to the affidavit that was sent over to you all certified mail and here, to the CFPB. When responding to a notarized affidavit, once you confirmed receipt of the affidavit, you are to rebut my entire affidavit, point by point, and have that rebuttal notarized and signed by 2 witnesses. An unrebutted affidavit stands as truth in commerce. The letter then goes on to state " If you question the results of our dispute process, you may also contact the furnisher of information directly. Please take notice that this is an investigation of the business practices of the above-named organization, its agents, officers, and employees to determine violations of the United States federal consumer protection laws.Further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of The Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. Further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title U.S.C. 1341 - Frauds and Swindles laws, and further sending mail with false and fictitious names, criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. I have attached a copy of the notarized affidavit that was signed and received by your company. I am looking forward to your point by point response to the information that was sent over in addition to reviewing the contents of this complaint. The company failed to provide the adequate paperwork for full disclosures including the right of the consumer to rescind a transaction ; this is one of the many violations documented and detailed in the affidavit of truth attached.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was impacted by Covid-19 and because of the impact a payment on a loan was reported late to the credit bureaus. I attempted to contact the creditor to inform them of my Covid-19 impact and was unsuccessful in doing so. The creditor is XXXX and is reported as XXXX XXXXXXXX XXXX. Other creditors were contacted and responded in time, however XXXX has refused to cooperate. I have attached a copy of a letter from another creditor who did respond to my Covid-19 impact statement and removed a late payment. A copy of my photo ID is also attached to this dispute.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ).

CAPITAL ONE is a creditor as defined by 15 USC 1692a ( 4 ). 

CAPITAL ONE alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

CAPITAL ONE is a corporation whose residence is in the state of UTAH. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to stop since XXXX of XXXX and XXXX of XXXX. 

CAPITAL ONE has failed to supply any contract signed by me validating these claims. 

CAPITAL ONE has no record of payments or signature form that this account belongs to me and has provided none to me on request and has no record of dated payments to any of the credit bureaus and data furnishers as of XXXX. 

CAPITAL ONE has not recognized my claim of fraud and unauthorized use as defined by 15 USC 1602 ( p ) protecting me as a consumer from any unauthorized use of the card as stated in 15 USC 1603a ( 1 ) limiting my damages to {$50.00}.

ALLEGATIONS/COMPLAINT : -CAPITAL ONE in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers and sold this alleged debt to another entity a junk debt buyer violating 15 USC 1692c ( 1 ) and 15 USC 1692c ( 2 ) without verifying its validity after I the consumer notified them in writing that this alleged debt was not mine and I was taking steps to investigate it personally.

-CAPITAL ONE in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- CAPITAL ONE have caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.

-CAPITAL ONE has ignored my cease and desist request and willfully caused me stress and emotional anguish as well along with the reprocussions of a damaged credit reputation.
Consumer complaint received 2021-08-18
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: Receivables Management Corporation (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-02-03
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 (GA)

On XX/XX/2022, I applied for an increase of credit limit with Capital One, for my Saks First Credit Card. On XX/XX/2022, my request was denied. I have had an account with Capital One for over 3 years, and have never received an credit limit increase, after request were made.
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

UDAAP This is the 2nd complaint I have had to make about Suntrust/Truist and their mortgage payment process. The other complaint # is XXXX. The front line associates ( initial call ) on today XX/XX/2021 cant answer basic questions in regards to mortgages that were excluded from BK. The calls continue to get transferred multiple times. Also I paid my past due amount as told to me by Suntrust Mortgage on XX/XX/2021 as {$1400.00} to bring current and I am still receiving pasture notices with late fees as of the statement dated XX/XX/2021 which I received in the mail today XXXX This is a violation of UDAAP. Additionally I made a {$480.00} on XX/XX/2021 and its still not reflected with more late fees.I was transferred to BK and XXXX ( XXXX ) advised me that she is in the BK area I was no longer in the Truist BK workstation so she cant see the account and she doesnt see any codes preventing others from being able to see account. I was transferred to client services ( 3rd ) XXXX who told me that the balance current shows as {$500.00} which is still incorrect since I made a payment almost 1week ago.
Consumer complaint received 2021-08-18
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)

On XX/XX/XXXX I submitted multiple disputes to Experian credit bureau in regard to several old credit files with several creditors that are closed. This is the second time I do so. I have previously done so and no changes to my credit scores are made. I am requesting the assistance of this entity to improve my credit scores to purchase a home and other matters etc.
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

I have been trying to contact and dispute this account for over 2 years now with no proper verification of this debt. I have sent letters and all valid documents starting in XXXX of XXXX. I finally received a response my second time asking for validation in XXXX of XXXX and was told the Convergent sent all information to sprint XXXX XXXX and is still awaiting a response. Sprint is not responding to the company and the company is not able to send me anything that proves i am responsible for the alleged debt after 2 years of negatively reporting to the credit bureau horribly affecting my credit report. 
I want to be explicitly clear with my request. I have not requested validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that they are being willfully negligent in rectifying my affairs. Over the past almost 3 years that I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Consumer complaint received 2021-08-18
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: Resurgent Capital Services L.P. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

- We bought a new home lateXX/XX/XXXX with a loan principal of {$390000.00} being serviced by Amerihome Mortgage Company. 
- We made a Principal Curtailment ( Principal Reduction ) payment of {$59000.00} in XX/XX/XXXX to bring the loan to value to below 80 %. We included the requested letter of intent that we were making this payment in order to remove the PMI ( Private Mortgage Insurance ) from our loan. 
- The PMI wasn't removed and the payments have been included each month. 
- When we became aware that the PMI payments hadn't ceased, I called into the mortgage company to have the monthly PMI payments cease and the erroneous payments be credited back to our account. 
- The agent gave inaccurate information and requested additional documentation that we had already provided.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

It has come to my attention that the financial department of Wells Fargo & Company, may not have the ability to loan its own money or money of its account holders. Notice the existing credit card agreement which am in question of the credit that was allegedly loaned. Please provide evidence of the money that was loaned to me for family and household purposes. Notice, repayment needs to be made only in equivalent kind. Notice, this be a matter of emergency. Notice, am demanding for the bill to be zeroed out each and every bill cycle upon lack of supportive documentary evidence.
Consumer complaint received 2022-01-19
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: EQUIFAX, INC. (SC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX XXXX and Transunion is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX XXXX Transunion still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am in the process of purchasing a home and in doing so I had to pull my credit reports and found there is an inaccurate item and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : ACCOUNT # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 30 days past due twice according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.