davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Capital One started new policy which did not allow me to sign to account when overseas ( without any notification ). First time I was in XXXX and customer service had me change password which allowed me to sign on. Second time when in XXXX this did not work and I was frozen from using my account when overseas. Again I was never notified of this policy change on a " no foreign transaction credit card '. When in XXXX I made a 2nd purchase on XXXX and the merchant said he never received payment. I called credit card voice and no charge had been made. This forced me to pay by cash. I also then immediately canceled the credit card with over {$200.00} in points and sold {$100000.00} of Capital One XXXX XXXX that I owned at 4.2 % rateimb. When back in the states I saw that the merchant was paid late. PLEASE NOTE that the Company on the Bill was not XXXX but was XXXX and that the phone number provided was A NON WORKING NUMBER. I filed a complaint with an email from the merchant of how he could reimburse the credit. I told him to wait for the Capital One response. Move forward I have CANCELED the card and back overseas in XXXX and I get an email saying I have a Late Payment. At no time was I emailed saying I had an outstanding payment. What happened was I was mailed a letter saying that they did not have a cash receipt and credited my CANCELED Account the payment. PLEASE NOTE that I have a XXXX Credit Rating and pay my bills early. There was no way to sign on to A CANCELED ACCOUNT. I payed the bill with A LATE PAYMENT. Back in the state I called and wanted A WORKING Number for the merchant and wanted to know how they contacted them? They said they could not provide a Working Number only the one that was not in service or disconnected. I then said since I do not have an account and was not notified by email about a payment the should reimburse the late fee at a minimum. They said they could not send a check by mail but could credit my CANCELED Account. PLEASE NOTE Capital One is nothing but computer and a Call Center which are usually overseas. They preyed on this purchase and need to admit their mistakes on not notifying me about " Policy Changes '' which affected my foreign business. Also Please Note that I now get a statement that I have a {$2.00} credtit on my canceled account. This an AI Computer Service with NO INTELLIGENCE on the customer or the mistakes that are being made. I also want to know how the credit card company INVESTIGATED thev charge that I filed a complaint on? I am paying for a service and believe that did not investigate or contact XXXX via XXXX. This is all unacceptable and they need to start answeing immediately. Thank You CFPB
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX bank treated us unfairly they denied us a loan Modifications i XXXX XXXX was on the phone begging with XXXX for a Modifications every day or every other day everything they ask for i sent it to them or Fax it to them at frist i thought they was try to help us but man was i Fooled later it was very very hard to get in contact with XXXX even when i got a phone open to leave a voicemail messages know EVER call me back next i new few weeks later we was receiving Foreclosures Papers, I had a bad accident on the job XXXX and i had to XXXX this put me out of work on to workers Comp for 2 1/2 years them my did not call back so i had to find another job them my wife has a massive XXXX that put my wife out of work for good XX/XX/XXXX now she is fully XXXX  one i know big banks don't care about any 'HARDSHIP ' that you have they always only care about THE MONEY not or us the house located at XXXX XXXX XXXX, XXXX, NEW YORK XXXX
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (NY)

I have BBVA Visa Card one year and 2 month. and wife have individual card in her name from BBVA VISA card, Bad news, BBVA Visa replaced the card fourth time due to my wife card compromised three time within 14 month period .and my account its issued second time.

BBVA Visa someone inside leakage our information to third party and its charged. 
We live in XXXX XXXX XXXXXXXX and all these fraudulent charges come from southern states of USA where BBVA have more activity. I did filed separate complaint against this bank about that.

When BBVA issued the card last year they also offered 13 month 0 % APR on purchase and in their monthly statement in their second page they do provide information how much i owe on purchase and also showing 0.00 % due to offered and also say interest paid 0.00. They do not provide the information in their statement what date this 0 % APR going to expired date. Like other credit card do saying EXPIRED DATE of 0.00 % APR will expired, BBVA not provide complete information of 0.00 % interest of purchase expired. its make the consumer confusion and consumer think still o.oo % interest. When I received statement on line, I did paid all balance on the account and asked to refund the interest charges {$42.00}. On my phone call, BBVA representative Ms.XXXX did issued the ticket # XXXX on XX/XX/20. and she said it takes few days to see the credit in my account and also back office of BBVA have to approved it. yesterday when I was talking to other representative Mr., XXXX, Customer satisfaction dept, he did mentioned that still back office considered to refund the interest. Today, I received phone call from Ms.XXXX and she said she is higher officer and calling for my complaint on why BBVA blocked three card within 14 month and now i got fourth card. she still do not know why BBVA have this issue and compromised card several time. I want to bring all this information to CFPB to find why this bank BBVA have these issued and not provide complete information in their statement
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Coast to Coast Financial Solutions, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX COAST TO COAST FINANCIAL Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to  provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COAST TO COAST FINANCIAL I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX  Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent complaint letters directly to Transunion as well through this bureau about an inaccurate bankruptcy reporting on my account. XXXX and XXXX  has deleted the account and all other accounts that were fradulent opened after my information was hacked from the XXXX XXXX  breach and the XXXX XXXX breach, exposing millions of people personal information. I provided Transunion twice with copy of police report filed in XXXX as well as copy of report i made online. To no avail, they will not delete this fraudelent/inaccurate bankruptcy from my credit report. I am attempting to give this avenu one more chance before I file a lawsuit. I have provided them with plethora of documents and verification that I have never filed bankruptcy nor opened xzy accounts. They deleted the fraudelent accounts ( that has a different person last name on it, the same last name as the bankruptcy has on it ). They  delete bankruptcy every year and then two to three months  later it appears right back on my credit report. This has caused me extreme emotional distress dealing with Transunion for the last five yers.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

I was working on building my credit thru Lexington Law. They promised me that in 3 months I would see a drastic change in my credit report. It never happened. I pai the XXXX for nothing.
Consumer complaint received 2022-10-12
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. (NC)

I have sent out several disputes online and a letter through certified mail to Experian. Experian is stating that items are remaining but have yet to give me a copy of the evidence used in their investigation to determine the results, they have stated multiple times that items have been deleted or updated and nothing has changed. I have yet to receive a copy of an updated credit report. Also the date of account removals are incorrect. Medical bills are remaining with no reason as to why and no proof of debt owed.
Consumer complaint received 2022-12-31
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. ) 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any ot
her adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

I HAVE SENT THIS COMPANY A NOTICE OF EXEMPT INCOME FOR TWO CHARGE OFF DEBTS PDF ENCLOSED THEY HAD BROUGHT AND PAID FOR. I AM REQUESTING AN ANSWER TO MY NOTICES THEY HAVE NOT YET FORMED ME OF WHAT THERE INTENTIONS ON DOING WITH THESE TWO DEBTS ARE THEY CLOSING THE ACCOUNTS AND NO FURTHER COLLECTIONS ARE THEY GOING TO SELL THE ACCOUNTS BECAUSE THEY CAN NOT HAVE A COLLECTION ON MY FUNDS ARE EXEMPT THEY HAVE TO WRITE ME A LETTER STATING THEY CLOSED THE ACCOUNTS
Consumer complaint received 2024-11-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

I received the email from Best Buy stating I got something free for my order so I went on my account and it showed that there has been purchases as of XX/XX/XXXX that I did not purchase. it shows that there were in-store purchases in XXXX Michigan XXXX I have not been in the store since XXXX. I last purchased XXXXXXXX XXXX
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (RI)

I've own my single family home for over 8 Years. in the last couple of years i have has financial crisis but have been paying my mortgage. i had a conversation with the Mortgage company about 1 month ago in regards to mail they sent me stating that i been late on my mortgage. The representative told me that my account showed no Mortgage payment being made. I went to my Bank XXXX XXXX XXXX and asked for a print out of all my mortgage payments and boom there they were. I need my account with PHH to go under investigation. Im in a serious XXXX and this company are going to be the cause of my death. I just received a notice to foreclose my home. i need your help. please
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-31
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX KS XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  PA ) XXXX Balance : {$110.00} ; XXXX  XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (PA)

Complain between bank to bank communication : XXXX XXXX  tried ( with 3 attempts ) to recall the wire transfer per customer request and Chase Bank denied it. XXXX XXXX  close the case without any answer. 

Can the XXXX banks have a better communication for recall wire transfer or any other issue? Can someone track that communication? Why Chase denied the communication? 

Complain with Fraud business account : Chase bank opened an fraud business account : XXXX XXXX XXXX with Agent name : XXXX XXXX, XXXX, XXXX. and they closed after a few months later. Our detective placed an Search Warrant for the fraud business account more than a months ago with no answer yet.

Why the Police department has to wait for a months for an Search Warrant 's answer?

Please help me to resolve all the banking issue. Thank you,
Consumer complaint received 2019-10-24
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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (FL)

On XXXX XXXX I received a letter from Phoenix Financial Services LLC/ XXXX XXXX XXXX XXXX XXXX trying to collect a debt for two charges totaling {$2000.00} dollars from medical bills datedXX/XX/XXXX for the amount of {$1000.00} dollars and a second one from XX/XX/ for {$1000.00} dollars. They have called me regarding the debt and they also have reported the debt to the credit bureaus. 
I have sent them a letter that I actually downloaded from your website asking to provide information about this debt as stated in my letter, several requests and proof of the original creditor ( XXXX XXXX XXXX XXXX XXXX  ) I sent my letter via certified return receipt on XXXX XXXX and received a response from them on XXXX XXXX. 
Their response does not include any of the requested information, or documents to proof this is an original debt under my name. 
I called the company on XXXX XXXX and spoke to XXXX XXXX, asking why they had not provided any of my requested documentation and she answered that was all they had for this debt collection. I then stated I was going to open a claim regarding these collecting bills from their company.
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALEXANDER-ROSE ASSOC, INC. (WI)

Found a letter recently from Alexander and Rose Associates claiming that I owe and INSANE amount of money and along with the letter they sent a copy of a fraudulent lease they crossed out the end date of lease to XX/XX/XXXX. My lease states XX/XX/XXXX which I no longer lived there after XX/XX/XXXX. They crossed out the date and WROTE IN XX/XX/XXXX. I also believe they signed the property managers name.