davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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 (TX)

Dispute Case Number : XXXX. Merchant Name : XXXX XXXX. Date of Transaction : XXXXDisputed Amount : {$230.00}. 
I disputed that charge because I did not sign, authorize, or agree in any way to pay XXXX XXXX the Disputed charge for {$230.00}. 
Capital One did not resolve the dispute so I called the number provided in their letter on XX/XX/2022 trying to resolve the disputed charge on my account. XXXX was the employee that responded to my dispute that day. His behavior throughout the entire call was outright unprofessional, rude, and disrespectful. I asked XXXX several times if he could provide me with the documents that the merchant provided to check if they were right or falseXXXX refused to provide me with any type of documents or information. Throughout the entire conversation, XXXX kept cutting me off and refused to listen to my concerns or find a solution. Since Capital One records their calls, and due to the extreme rudeness, I began to also record the call for my own record and protection. When I told XXXX that I was recording the call, he began acting irrationally and told me that he would refuse to continue the call if I did so. I asked him to not hang up and to transfer me to another representative. XXXX instead, disconnected the call and hung up. I sent email to complain to XXXX I just received an auto-reply confirming that they receive the email then the next day XXXX left a message on my cell phone when I call her back to the number provided I got someone else on the phone. Unfortunately, it was XXXX again but this time his attitude was worse and his behavior was much more aggressive. Like last time, XXXX kept cutting me off and refused to transfer my call to XXXX. Since I already had a bad experience with XXXX I told him that I was not calling to talk to him but rather to talk to XXXX and that I was recording the call. When I told XXXX that, he acted irrationally and instead of transferring my call, XXXX disconnected the call and hung up. I sent three faxes so far to explain the situation but until now I did not receive any documents from the merchant or Capital one showing that I sign, authorize, or agree in any way to pay {$230.00} Capital One should honor its policy and its advertising regarding Zero liability for unauthorized charges and refund {$230.00} especially since I promptly reported the issue in writing and over the phone. 
I am shocked because of the bad customer service and lack of communication and understanding. 
One of the reasons I signed up for the Capital One Spark card and pay $ XXXX  yearly fees was due to the advertisement that there is zero liability for unauthorized charges, which is my case because I did not authorize, sign, or agree to pay that amount.
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (CA)

Received loan from Wells Fargo Auto finance loan back at XXXX loan was paid in full on XX/XX/XXXX, I called to Wells Fargo title department many times talked to manager supervisor ( I have name and recorded of all my many phone call ) its been three month and Wells Fargo Auto loan is not releasing the car title and my right to the title after the loan paid in full.
Consumer complaint received 2020-08-20
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

I have a loan with 5/3 BANK NA, XXXX XXXX ( Original Creditor : XXXX XXXX  ), and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, 5/3 BANK NA, XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (VA)

Back in XX/XX/XXXX I helped the brother of a co-worker for a XXXX work as a co-applicant and did not heard from CareCredit all these years. Later I found out I was late on the payments by checking my credit report on XX/XX/XXXX. I called the bank, filed a complain with the bank indicating that the account was opened only under my name and did not received any communication that the limits were increased from {$1600.00} to {$8600.00} without my permission. 
Since then I called Synchrony Bank on 3 different occasions and every time I was inform that the account was opened only under my name. I had also requested for the account to be closed and instead I received a credit card without any explanation of the reason why I was the only signer and why the limit was increase without my approval.Finally yesterday, I received a phone call from the fraud department and was told to get in touch with the Credit Bureau to resolve the issue of ownership and that I was still liable because I was a co-signer. 
As a retired XXXX  I kept a copy of the original application just in case and upon review of the application and the one provided by the bank, I found out that the income of the applicant was -ALTERED INTENTIONALLY to approve the credit contrary to banking procedures. Thank you, XXXX.
Consumer complaint received 2020-08-19
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. (OH)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX  XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this all on my own. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2022-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CT)

My Mom, XXXX XXXX, and I, XXXX XXXX, had a mortgage loan for a condo, which was initially with XXXX, XXXX XXXX XXXX XXXX  XXXX which we signed jointly with rights of survivorship in XX/XX/XXXX. 
The loan was later taken over by WELLS FARGO Bank and when it transferred, the bank made an error and left my name off the file. In XXXX, I went into the local branch of the Bank and spoke to one of the Bankers about my name not showing up on the account and requesting it to be corrected. She promised to look into it and I never heard back. 
My Mom passed away on XXXX XXXX, and the Bank was sent a death certificate along with all of her other lenders/creditors, by her estate attorneys, at the time. All along, I made the payments, always on time for XXXX yrs. 
In XXXX of XXXX, I opted to sell the property which, the lawyers had transferred into my name only. The closing attorney who handled the sale made the payoff. A few weeks later I received a check from WELLS FARGO for {$1000.00} from final escrow. It was made payable to my Mom only. I also received from them, a lien release form which has mine and my Mother 's names so I know the Bank had the correct information all along. I went to the branch again and explained that I need the check to be re-cut in my name. I spent time with XXXX XXXX at the XXXX, CT branch and he tried to send everything to the mortgage area, with no success. The responses I got from them made absolutely zero sense. They sent one letter stating that they were sorry to hear about the passing of XXXX, which they had been advised about in XXXX, XXXX yrs prior, and the next day, they sent a letter to XXXX stating that there had been an inquiry into the mortgage which was already paid off. Then, I got a phone message from someone named XXXX saying she was looking into the request I had made for an increase (? ) Because things became so confusing with these folks, I had asked to be contacted only by email and did not receive one email from them. I don't believe that they're serious and I need help in resolving this matter. It's bad enough that due to their error, I did not benefit for my credit history, for making the payments for XXXX yrs on time, but now I am treated like I don't exist. No one at the branch has reached out to me to help correct this matter and I am owed {$1000.00}.
Consumer complaint received 2020-08-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have repeatedly sent letters of evidence as per the companies request to support fraudulent reporting of identity theft accounts, inaccurate personal data information all if which have adversely affecting my life and credit score. Additionally, ploys of alleging that someone else other than me is involved, is outrageous and an attempt to slow down the investigation process which is impacting my life.

I have made NUMEROUS good will attempts to mitigate these claims with the credit reporting agency as well as each individual company. These disputes have been removed from several other credit reporting agencies, however, this agency is still reporting these accounts as of XX/XX/2020.
Consumer complaint received 2020-08-19
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: AMERICAN EXPRESS COMPANY (FL)

I have repeatedly sent letters of evidence as per the companies request to support fraudulent reporting of identity theft accounts, inaccurate personal data information all if which have adversely affecting my life and credit score. Additionally, ploys of alleging that someone else other than me is involved, is outrageous and an attempt to slow down the investigation process which is impacting my life.

I have made NUMEROUS good will attempts to mitigate these claims with the credit reporting agency as well as each individual company. These disputes have been removed from several other credit reporting agencies, however, this agency is still reporting these accounts as of XX/XX/2020.
Consumer complaint received 2021-06-11
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. (DC)

Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have never given any credit bureau or consumer reporting agency my written permission to report to them. 

I sent out letters back in XXXX to XXXX  XXXX, and Experian requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Consumer complaint received 2022-09-11
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. (MO)

XXXX XXXX XXXX on XXXX XXXX reported on my report with no permission from me, i am a living human being that did not give any permission!!! 
15 U.S, C section 602 A. States I have the right to privacy.

15 U.S.C. section 602 A section 2 is also states that a consumer reporting agency can not report my account with out my written instructions. 
15 U.S.C.1692Cwithout the prior connect of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of any debt
Consumer complaint received 2022-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I would like to make the complaint to XXXX  XXXX XXXX, XXXX XXXX-CA and National Credit System regarding my scam debt. 

I did not sign the lease agreement and moved it or took the room key, but they put me on collection. I did have a apartment tour, before they asked me to sign the tour papers. They did not explain or disclosed what in the papers, and I got their debts on my credit report as collection {$570.00}. 

They were scam. 

Please investigate
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NV)

Faye Servicing purchased our Mortgage XX/XX/XXXX I was told when they purchased our mortgage they were told we did not have property tax impounds which was not true. 
They ran an escrow analysis in XX/XX/XXXX and found we were going to be short our property taxes. 
They raised our payment {$560.00} per month and spread that payment over 24 months. 
Not one person at the company can tell us why I owe over XXXX over two years. My property taxes are XXXX per year. My hazard insurance is XXXX per month. none of that equals XXXX plus for two years. 
Each time I call in I wait 15 to 30 minutes, then get a live person Once i explain the whole story again they have to transfer me to someone that can help me and I get discontented Today I was suppose to get a call back from a Manager/Supervisor XXXX called me but she could not hear me so she gave me what she said was her direct line Well it was not!!!! 
I had to start all over again with someone else who could not help me then i got a manager and he pretended he could not hear me and hung up on me. 
I am very frustrated and just don't understand why this can't be explained to me. I am sending a letter to Faye today asking for them to stop my impounds for taxes and continue to pay in insurance. 
I am hoping they can handle that for us. 
I just do not understand how this happened in such a large dollar amount I do understand that taxes and insurance can go up yearly but not XXXX plus over 24 months. 
I have the original closing statement showing the impounds were correct when we received this loan. 
Please let me know what you would like me to up load. 
Thank you in advance for your help
Consumer complaint received 2020-08-19
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)

On XX/XX/XXXX I received a letter from XXXX/personal loans dated XXXX XXXX XXXX XXXX '' thankyou for applying for a XXXX personal loan on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXXMy call with XXXX ended at XXXX statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/personal loans.THIS IS FRAUD
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

I applied for XXXX XXXX card. I do not have a phone. can not access mobile app. could not access on internet site. Written request to fix access. NO response. Written request to identify the company of a transaction was met with fraud investigation and reissue of account. was not notified of fraud investigation suspension of account and reissue of account. I had also requested a waiver of the yearly fee and an increase in credit line. Was denied. Asked the account not to be renewed. Accepted loss of yearly fee already paid -account was in good standing. The account was closed with a credit on the account. However, the Account was closed for a fraud investigation. I was not aware/notified of closure and reissue of account. Reoccurring charges were denied. Did not activate subsequent credit card received in the mail. Received a bill in the mail about three months later statement was from reissued account with all kinds of fees and interest. Also received a letter stating the account was under investigation - this is in XX/XX/2022. However, the company is already reporting negatively, and I recall seeing something about a charge off. This is against the company 's own policy. I also recall something about alleged provisional credit after the fact. I was never billed or notified. I requested closure of the original account that was ignored- while in good standing with a credit balance. However, the company closed the account for a fraud investigation initiated on its own accord. The company is reporting to credit bureaus, I requested closure when I never activated the account it is reporting on. These correspondences are by physical mail and complaints to regulating agencies. XXXX removed the monthly credit inquiries- and continues a report for a credit account I never accepted or activated. Regardless of whatever laws the company claims to be following- I had already stated before the company XXXX XXXX XXXX investigation XXXX did not want to continue a relationship with the company. A new account was not warranted - accepted or activated. 

Credit reporting agencies are not providing the investigation information. the company has not proven that I accepted the account and/or activated the account. The reporting company has not provided the results of the latest fraud investigation- XX/XX/2022. The reporting of this alleged new account in accordance with federal law fraud investigation actions is premature, there is no interest, fees, collection and/or charge off warrented at this time.
Consumer complaint received 2020-08-19
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. (TN)

I received a call from a student loan company stating about a debt I needed to pay. I he.ve never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX XXXX CARD, XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. 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 2022-09-11
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: World Omni Financial Corp. (NC)

In accordance with the Fair Credit Reporting Act, SOUTH EAST TOYOTA FINANCIAL DBA OF WO, account number XXXX has violated my rights by reporting negative late payments from XX/XX/XXXX to XX/XX/XXXX. According to 15 U.S.C. 1681, Section 602 A, it states I have the right to privacy, as well as, 15 U.S.C. 1681, Section 604 A, Section 2, which states a consumer reporting agency can not furnish an account without my written instructions. Therefore, I am requesting this account be removed, and deleted. from my credit report with XXXX, XXXX and XXXX, as my rights have been violated.
Consumer complaint received 2022-03-15
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: JPMORGAN CHASE & CO. (TX)

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( XXXX XXXX ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well. Doesn't this go against the FCRA Laws?