davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I contacted my bank Capital One on around XXXX to talk w/them about some items on my account that I have not received yet ( I will insert a list as attachments ). Now the reason why it took me quite a while to bring this to their attention, to be honest, I was distracted by work and now I am finally at a time where I can access my finances. And I also waited for so long because I wanted to do a thorough investigation about whether I received these products or not. They stated that some of these items were made via chip ( meaning I guess I did this in person ) and some were not, I asked Capital One to provide me with the Ones that were involved via chip and they stated, " we don't know, our system says, [ chip inserted ] '', but we can not tell you which One was used by the chip, or not, which made me even more upset. So now I feel like I am out of money and product. 
I am wondering what Capital One 's " Fraud '' department doing if not trying to detect fraud. Any other time they will contact me and ask are you making this purchase when I am trying to make a big purchase and I have to let them know or text them back yes I made this purchase, but is it too much to ask that if their " Fraud '' department can actually do research on companies they may see shady and contact the customer, alerting - we have found this site on our SCAM list and is fraudulent transaction or something like that to REALLY keep the customers safe. 
I am extremely disappointed in capital One about the way they handle this situation in making me feel like I was the villain instead of the victim. I have enclosed some attachments showing that I have tried to contact these companies and trying to get my money back and I have not gotten a response. 
I can eliminate some of the items that I just received ; months later, but there are still a few items I have not received, that I know I have reached out or tried to reach out to the companies that still have my money and I still have not gotten any product. Also, Capital One said they show where I have received these items, PLEASE SO ME PROFF OF ANY OF THESE ITEMS THAT I HAVE RECEIVED! I need the receipts on what they are showing that was sent to me. 
I do not believe in getting things just for free depending on the person that is giving away said items, but I am telling the truth when I say there are still items I did not received and I have attached the ones that I did not get. And also, I there are still items of companies that I do not recognize on my bill but Capital One says that I did do this w/o proof. At the end of the day I just wanted to be made whole of what I am out of and to be compensated and not told that, I need to do it myself and its your fault, bottom line I know its my fault for believing that a company advertise on the internet would automatically be fraudulent but the point is you dont know until you make a purchase and never receive your item.
Consumer complaint received 2022-07-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

I have been working with a loan officer who choose Rocket Mortgage to obtain my FHA loan. I am on week 6 of this process. Rocket Mortgage accidentally canceled my first appraisal. Then they decided last minute that they wanted a second appraisal. And then on the day I was set to close they let my FHA case number expire. No one has any urgency in fixing any issues. I know I am just another number, but I am a day away from loosing my house and no one cares, even though all of these hold up could have been avoided. They just don't seem to care. I know absolutely nothing about what's going on and I am literally in tears everyday this is being dragged out. There is a life changing consequence and I am the only one who will suffer that.
Consumer complaint received 2020-08-28
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. (FL)

I have account on my credit report that has 3 duplicates in 2 bureaus and 4 duplicates in third. The name of account is XXXX XXXX XXXX It has the same account number but different amounts and dates. I'm trying to solve this problem over 3 months and all I get in response is that information verified and accurate. Bureaus updating dates and status on the accounts, But I know my rights and understand that this is VIOLATION of FCRA. Please help me fix this problem. My credit score is hurting by this tremendously. I'm attaching copy of my ID, bureau response and the way accounts appear on my report. Thank you
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have account on my credit report that has 3 duplicates in 2 bureaus and 4 duplicates in third. The name of account is XXXX XXXX XXXX. It has the same account number but different amounts and dates. I'm trying to solve this problem over 3 months and all I get in response is that information verified and accurate. Bureaus updating dates and status on the accounts, But I know my rights and understand that this is VIOLATION of FCRA. Please help me fix this problem. My credit score is hurting by this tremendously. I'm attaching copy of my ID, bureau response and the way accounts appear on my report. Thank you
Consumer complaint received 2020-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MO)

I have been billed {$50.00} late payments every month from Wells Fargo, from 2020 until my current statement. I have called several times about the {$50.00} late fee. I was late one time that was back in 2020 after covid. I have never been late since. I do not get a late fee according to them until after 15 days from the due date. Wells Fargo claims that is how there billing statements are setup. They are lying and Ive been charged every month on my statement {$50.00}. I have proof of the statement.
Consumer complaint received 2021-05-30
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. (NY)

I was recently checking my credit report and saw inquiries I did not initiate. I was informed sometime ago about an Equifax  data breach, but did not think anything would happen to me as a result. I now have inquiries reporting to my account that don't belong to me. The inquiries are from XXXX  - XXXX XXXX XXXX XXXX XX/XX/XXXX ; and for XXXX XXXX XXXX XX/XX/XXXX ; XXXX- XXXX XXXX NA XX/XX/XXXX ; and Equifax - XXXX XXXX XX/XX/XXXX. I have contacted creditors and have also file an FTC report # XXXX.
Consumer complaint received 2023-05-05
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (TN)

I have a revolving account with Synchrony Bank for some products that I received from XXXX XXXX products. I've purchased 3 items over the past few years. I've never had a problem with payments or charges until the last few months. I currently have a minimum payment of {$28.00} per month. Since the XX/XX/2020 payment I have been paying {$100.00} per month. Prior to that I was paying {$80.00} per month with the exception of a payment made in XX/XX/2020 of {$55.00} dollars. Twice within the past few months I received a notice that I owed {$84.00}. I tried talking to their customer service the first time it happened a few months ago with me getting nowhere. I called again today and their explanation was that I paid the XXXX payment too early therefore it made the XXXX payment late and said that it would generate a {$40.00} late fee. I'm paying over 3 times the minimum payment each month so there should never be a late fee. From what I gathered from the bills I've reviewed from them the payments are due on or before the due date ( it does not specify the length of time before the due date ). I only get Social Security and my payment from them is the XXXX XXXX  of each month. It's when I have to pay all of my bills. I don't know what changes have been made by them to cause this problem after having this account for several years.
Consumer complaint received 2022-12-14
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. (NC)

I, XXXX XXXX XXXX am writing this complaint today because my rights have been violated repeatedly by the company listed below. This company has violated my rights under XXXX5U.S. Code 1681and U.S. Code 1679 I have a right to an accurate report and this company is reporting an inaccurate balance. The balance being shown is not correct as well as reporting an inaccurate file. I was charged a repossession fee twice. I purchased GAP insurance when purchasing the car, the lender was paid out by GAP to cover the loss vehicle. The file should be a point of sale and was reported as a installment loan. Because of these violations mentioned, I'm it be removed immediately as the solution. 
account to be removed as followed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

The mortgage servicing company has been imposing fees or charges without a reasonable basis or explanation. The company began servicing the loan starting XXXX and the first payment was due XXXX. The company charged fees totaling {$2300.00} between XXXX and XXXX before the first payment was due without explanation or notice. 

Several instances after that, on XXXX and XXXX a XXXX XXXX balance fee of {$160.00} was charged and there was not an outstanding or past due amount.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XXXX XXXX, XXXX + {$5800.00} Closed XXXX/XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3100.00} Closed XXXX XXXX XXXX XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-04-21
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. (FL)

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. XXXX XXXX # inquiry date/ name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX inquiry date/name XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX  XXXX XXXX  XXXX XXXX inquiry date/name XXXX XXXX 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 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, I opened an account with SYNCB/CAR CARE DISC TIRE ( MySynchrony ). The account was closed on XX/XX/XXXX. I was never told the account would be closed unless spending was made on the account. I would like to fix this immediately. I don't even have the card anymore. If the account was reopened, I would order a replacement card immediately and use it for spending.
Consumer complaint received 2022-05-13
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until Jun 2022 700 XXXX  XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations XXXX addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} XXXX Closed. {$590.00} written off. 
XXXX XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} XXXX XXXX account. $
Consumer complaint received 2020-08-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX AUTO / {$0.00} / XX/XX/2019
Consumer complaint received 2022-05-23
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. (NJ)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Please remove it from my credit report. 
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The following account is not mine AXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXXDate of inquiry : XX/XX/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 Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OR)

On XX/XX/XXXX I was notified that my student loans were transferred to EdFinancial Services. 

At no point with EdFinancial was I provided information on how to ensure my payments would count towards the PSLF/TEPSLF. 

On XX/XX/XXXX I submitted my PSLF/TEPSLF and my students loans were transferred to XXXX XXXX. 

However, the records sent are missing numerous payments both to EdFinancial as well as my previous Direct Loan Servicer, XXXX.