davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022, Capital One responded to my initial dispute of error to be able to open a Checking account for Account Ending in XXXX ; Capital One Case Number : XXXX CFPB Complaint ID : XXXX. 

ATTN : Capital One Financial Corporation Legal Department RE :XX/XX/XXXX Account # XXXX This letter is to serve *CAPITAL ONE AND XX/XX/XXXX XX/XX/XXXX* an official notice of a dispute for the amount of {$2100.00}. The owner of the above-referenced account, as defined by 12 CFR 1002.2, is a federally protected consumer. I am aware that there have been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. To resolve this dispute, I am demanding you provide me with FULL, ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to this account. 

Please be advised, pursuant to 12 CFR 1026.13, this constitutes as a billing error notice. 

** Current closed account as negative and closed when no thorough investigation or settlement was open upon. 

** A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority **A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
Consumer complaint received 2019-06-01
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: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/2014 IS A FRAUDULENT ACCOUNT AND DOES NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

There has been a global COVID 19 pandemic directly affecting those of us who live in XXXX especially after the date of XX/XX/XXXX. 
I was directly affected and it was not until the beginning of XX/XX/XXXX that things have calmed down a bit. I had a {$25.00} reward which I had earned from my own spending with the XXXX XXXX Credit Card issued by Comenity Bank. It had an expriration date of XX/XX/XXXX. 
I tried to redeem the reward with a large purchase on XX/XX/XXXX. I explained that given the global pandemic and all the stressors that I had not notched the reward was close to expire and quite frankly, shopping had not been a priority during this time of quarantine in XXXX. The representative indicated that there was nothing they could to extend the reward. The supervisor indicated that this was an issue to take up with Comenity Bank who issues the rewards. 
Called Comenity/potterybarn on XX/XX/XXXX. Again I indicated that given the pandemic circumstances this reward had not been redeemed and I was asking for an extension to redeem it. The representative indicated she could not do this and neither would her supervisor. I was transferred to a supervisor, who placed me on a long hold and indicated that her supervisors or " 'higher ups '' had not yet given instruction on how rewards would be handled if expired during the COVID 19 pandemic. 

I find it insulting that Comenity has not moved on making sure our rewards ( money earned from our spending ) are not extended as a human courtesy during this time. They are essentially pocketing our money. I understand there are parts of this country that are far less affected however I am a NY customer at the epicenter of this pandemic and all customers regardless should be given that acknowledgment. Insurance companies and other banks have moved swiftly to extend courtesies to their clients. I am requesting that the CFPB please intercede to have Comenity do  the right thing for their customers during this critical time and extended our earned rewards.
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (TX)

I noticed I have 9 inquiries on my credit report that I didnt authorized and I try to dispute them with Equifax and they are unable to verify me over the phone the overseas Dept gave me a hard time and told me I need to send in documents ... which I refused to do so due to the cornovirus I dont want get sick on my watch ... and I have important things to do ... the inquires that are showing on my Equifax reports are. 

XXXX XXXX XXXX XXXX XXXX.2020 XXXX XXXX XXXX,2020 XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XX/XX/ 2020 XXXX XXXX XXXX XXXX.2020 XXXX XXXX XXXX XXXX2020 XXXX XXXX   XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/ 2020 2020
Consumer complaint received 2022-07-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2022-07-05
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. (VA)

I spoke to XXXX  XXXX when the matter first occurred and I was sent a letter to send to the bureaus. I am still waiting for the info to update with the bureaus.
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates (KS)

I received this response from PPA regarding my previous complaint : Thank you for your correspondence. We have reviewed the information. PPA apologizes for any unprofessional behavior. The collection rep should have offered to file the dispute on the customers behalf or advised that the customers disputed information would be best to be put in writing and submitted to PPA via email or fax so we may file your dispute on your behalf with our client. Putting the dispute in writing allows you to specify why you feel the balance is not justified and to include any documentation you have to substantiate your claim. PPA has placed the account on hold at this time pending the receipt of Ms. XXXX 's disputed information. She will receive no further contact from PPA pending the receipt and resolution of the dispute. Please submit the dispute to XXXX or by fax at XXXX attention XXXX XXXX. We will submit the dispute to our client upon its arrival. Typical turnaround for disputed information is 30-90 days. 

However today at XXXX XXXX they called me again from phone number XXXX. I have still received no written notification or validation of this debt. They are harassaing me and I even told them on the prior phone call to no longer contact me and even after they stated they wouldn't they still called me again on my cellphone while I was at work.
Consumer complaint received 2022-07-05
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (IL)

Good afternoon, I have recently filed a dispute regarding 2 payments that were deemed late. The reason I could not make the payments on time was due to me losing my job during the covid pandemic. I called my banks and informed them of my situation and they informed me that I would get an extension for my payments. Now I have noticed that these late payments completely ruined my credit score. I have only ever made 2 late payments in my total credit history and it was due to the negative affects of Covid 19. I appreciate this help greatly.
Consumer complaint received 2022-07-05
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. (IL)

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A.States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, which I have identified on my recent credit report. 

The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the FCRA emphasizes the importance of accuracy and fairness in credit reporting. It acknowledges that the banking system relies on fair and accurate credit reporting, and it underscores the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy ( 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 ( b ) ).
Consumer complaint received 2022-07-04
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. (FL)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$4100.00}
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$4000.00} US DEPT ED XXXX {$8200.00} XXXX  XXXX {$390.00} U S DEPT OF EDXXXX XXXX {$560.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1800.00} XXXX  XXXX {$11000.00}
Consumer complaint received 2020-05-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I have an equity line of credit with a face amount of $ XXXX, which is presently in the repayment period with a current balance of {$100000.00}. 

On XX/XX/XXXX servicing was transferred from XXXX to Shellpoint Mortgage. 

Over the last 6 weeks I have called Shellpoin Mortgage customer service at least once a week, filed 2 complaints and sent a written request on XX/XX/20 to address the issue described below, and have not been able to resolve my concerns/issue. 

This ELOC is a variable rate loan priced at Prime + 2.5 %. The note specifies that the rate will be reset monthly ( in alignment with the billing cycle ) based on the WSJ prime rate in effect. 

The current effective rate reflected on-line and on monthly billing statements is 7.25 %. This would imply a current prime rate of 4.75 %. 

The WSJ Prime Rate is currently 3.25 % and has changed as follows : XXXX. 4.75 % XXXX. 4.25 % XXXX. 3.25 % Based on the above, the current effective rate on my loan should be 5.75 %. The effective rate should have changed in the XXXX billing cycle by at least .5 %, and possibly 1.5 % ( depending on the cutoff date for the billing cycle ) and should definitely have been reduced the full 1.5 % by this most recent cycle. Based on the current balance, this issue is resulting in an over accrual of approximately {$130.00} per month. 

I have lost confidence that Shellpoint Mortgage will resolve this issue without intervention by the CFPB.
Consumer complaint received 2020-05-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (AL)

Ally Financial provided the financing for my wifes car. I am in no way involved as it was purchased before we were married. During the pandemic, Ally has forgiven payments for two months, essentially added two months at the end of the loan term. Automatic payments made by my wife have been refused during the pandemic. However this has not prevented Ally calling multiple times a day about the debt. They call both of us but as someone not in debt to Ally I feel any contacting me is harassment. I have twice called the company and explained just that. Each time they agreed to remove me from the call list but have failed to do so. Over Memorial Day weekend I have received 12 calls from a company I dont owe money. Any help with this matter would be appreciated.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (PA)

Good Evening, I'm reaching out to submit a complaint in regards to several accounts on my credit report and profile that I did not sign for given written instructions to be furnished on my profile nor report that I've disputed several times via certified mail. The dates I've disputed are as follows : XXXX XXXX XXXX
No action was taken by the credit bureaus. 

In accordance with the FCRA ( Fair Credit Reporting Act ) U S DEPT OF EDXXXXL ACCT XXXX XXXX & XXXX, XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

we have been trying to re-finance a mortgage loan since XX/XX/2022. XXXX is the mortgage agency with the existing loan. we owed XXXX balance on the property, we entered the forberance program for delay payment for the covid 19 option for about 18 months, we still made payments on the account, we learned the Freedom Mortgage was the company we needed to go through to do a re-finance and a cash out. 1st time the Freedom underwriter person was not someone that i felt comfortable with, so we reached out to other lenders, but learned that Freedom was the company that represtented XXXX, so, we felt it would be easier to re-finance through Freedom due to they are the companies underwriter for XXXX, we had to do the whole loan again - so the refinance rate before was about 4.5, or 4.6 - now the rate is up to 5.5 or 5.6. however, I sent all the paperwork in as much as possible. last email i got was that the loan was denied do to incompleteness. i told the underwriter, we paid XXXX for the appraisal, and they are still charging us XXXX for the appraisal, XXXX XXXX XXXX has a 0 % interest rate, so we would loose money, and a few other accounts we had 0 % interest rates. i also informed them that i paid off XXXX XXXX [ XXXX ] sent them the bill, and told them that we signed documents to give them access to any accounts needed to complete the loan. this is the worse experience we have ever had concerning the loan, and the XXXX account shows paid off, and i dont see the mortgage on credit report, and i am beginning to think suspicous motives may be a factor. the loan has over XXXX worth of fees and closing costs, and no one will return my call. i am extremely worried about this, as i know they have a lot of fraud in the industry for mortgages. the property appraisal is XXXX we are only wanting XXXX mortage, I am XXXX XXXX XXXX and i informed them to speak to my son about any and everything concerning the loan. we have also been making payments throughout the covid 19 forbearance option for the time. the last few months, we have been making payments of about XXXX monthly. we also wanted to have the options that if i were to pass away, i wanted my son to be able to assume resposiblity of the loan. but they have not contacted him. i have included the documents of concern- credit history, emails between my son and freedom contact person. i was informed mortgage rate was locked in until XX/XX/2022 - my son tried to contact them over and over about the concerns, but no one will respond to the emails or phone calls. this is what makes me more concerned is that the info they were requesting was for credit card bills, to which i sent all they asked for with maybe exception of the updated pay off for XXXX XXXX which was XXXX and the XXXX XXXX bill that informed them that they would send me a paper statement in the mail.
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (PA)

Good Evening, I'm reaching out to submit a complaint in regards to several accounts on my credit report and profile that I did not sign for given written instructions to be furnished on my profile nor report that I've disputed several times via certified mail. 

The dates I've disputed are as follows : XXXX XXXX XXXX. No action was taken by the credit bureaus
. 

In accordance with the FCRA ( Fair Credit Reporting Act ) U S DEPT OF XXXX ACCT XXXX XXXX & XXXX, XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX/ XXXX account XXXX XXXX ...., TRANSUNION XXXX XXXX XXXXXXXX XXXX account XXXX XXXX ... XXXX account # XXXX XXXX., has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A fraudulent account was opened in XX/XX/2016with XXXX  ( XXXX XXXX XXXX  ) XXXX ( I don't know what these initials mean ). The account number on the bureau is XXXX. Around the same time an address from California ( I live in Georgia ) appeared on my file. I conferred with several experts in fraud and they confirmed that this account has all the red flags for such an account. The account was opened, immediately charged to the limit and no payment was ever made on it from the beginning. 

I disputed this account with XXXX and Trans Union and they not only left it on my file. They did not block it from display ( as provided for in the Fair Credit Reporting Act ). This is a violation of my federal rights. 

I have provided copies of a fraud affidavit ( FOR INFORMATION PURPOSES ONLY ) I do not expect the CFPB to file this affidavit..but I do expect for you to make XXXX and Trans Union adhere to the federal law.