davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Creditor Name CAPITAL ONE Account number XXXX Date opened XX/XX/2018 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-10-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MN)

US BANK will not subordinate a XXXX home equity credit so my wife in I can refinance our home. us bank payment is XXXX payment per month, our home payment is at XXXX month. our new home mortgage payment would be about XXXX month. i am a XXXX veteran with XXXX adult biological daughters at home who are XXXX XXXX with the oldest suffering life threatening issue at XXXX weeks of age with among other medical issues suffered a XXXX in layman 's terms. we need to have a lower home mortgage payment. the reason us bank will not subordinate is that we were late on 2 payments in 24 months due to COVID help is needed i have spoken with at dozen or so US BANK employees in the past 4 days who reportedly filed my complaint to the subordination team or have transferred me to another person or given me another phone number to call i have called the Attny General and filed a complaint with this office as well as the Office of Comptroller of Currency. the AG office gave me the information of the Dept of Commerce here in Minnesota who provided me with the CFPB
Consumer complaint received 2021-09-01
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2024-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (FL)

REFAXED 9 TIMES MODIFICATION XXXX SEE PROOF, SHELLPOINT ALWAYS SAYS NEVER RECEIVED OR INCORRECT ALL PAPERWORK DONE PER THERE INSTRUCTIONS! WAS SENT MULTIPLE TIMES PRIOR ALSO! ITS DISCRIMINATION! PERIOD. DUE TO BEING XXXX. ALWAYS AN EXCUSE, HAVE PAPERWORK READY TO FILE IN FEDERAL COURT, ALL I WANT IS AN APPROVAL OR DENIAL, IF APPROVED WILL START PAYING MODIFICATION THERE IS A RECOVERY MODIFICATION IF DENIED WILL SHORT SALE BUT NEVER GET PAPERWORK WHAT I NEED! AGAIN IT PURE DISCRIMINATION!!!!!!!!!!!!!!!!!
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-08
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: ECMC GROUP, INC. (TX)

ECMC/ XXXX XXXXXXXX XXXX XXXX XXXX has been previously notified to verify my account to be accurate and complete. I have noticed that ECMC has been violating my rights by reporting inaccurate and incomplete information on my credit report. ECMC is reporting different information to two different credit agencies for the same account.

ECMC has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that ECMC has NOT researched and verified these accounts in violation of my rights. Needless to say, their willful and continued disregard for the law has caused me damages.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX Account # XXXX XXXX Act. # XXXX XXXX XXXXXXXX XXXX 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 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

Received emails from Wells Fargo about opening a checking account. I never applied for a checking account with XXXX. 

All from XX/XX/2022 : XXXX PM " We have received your documents '' about " my '' application for a checking account XXXX PM " Access your Wells Fargo account documents '' with an access code XXXX PM " Next Steps for your Application '' with info about tracking " my '' application XXXX PM " Welcome to Wells Fargo '' stating that my application for a checking account was approved XXXX PM " Your Wells Fargo Contact Information has been updated '' stating that the email address on file was changed. The new email address was almost completely redacted. 

I'm upset that someone was able to use my personal information to apply for a bank account, and that account was approved in ONE MINUTE. It is incredible to see such a negligent lack of review/security/oversight. 

It took me over an hour of being on the phone with Wells Fargo and being transferred to 3 different departments before I could even report this fraud. This was by calling the phone number specifically provided for reporting checking account fraud, so you'd think it wouldn't take being put on hold multiple times before I could talk to someone about this. Maybe so much of my time wouldn't have been wasted if XXXX took more than 60 seconds to approve a new bank account. What an embarrassment of a bank.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

XX/XX/2023 XXXX XXXX XXXX inquiries deleted. But it never is removed. To boot Ive used all my free credit reports for 2023. They need to be given back to me too! This has been going on for 5 months. Ive disputed on line and they dont even investigate. Example included pulled report today after I got the letter stating deleted to verify. 

They have blocked me from talking to anyone too. When I call to get a manager it says they cant recognize me. I also filed fraud with the government for this inquiry I. XXXX ID Theaft
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I planned on leasing an apartment with a seller through paypal and when it came to complete the transaction the seller failed to provide their services. I contacted XXXX to get a refund and they refused. I also contacted my bank, Wells Fargo, and they were unable to help me get as well. In fact, Wells Fargo was belligerent and rude, but would not let me speak to a supervisor or reimburse me for the money spent. Decent banks don't fight you on an obvious case of fraud.
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (FL)

This notice is to inform Equifax and XXXX that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.Today my credit score dipped by XXXX points, and the reason for this is because Equifax added a late payment with the XXXX XXXX account which has been disputed several times. Further, Equifax and XXXX never put disputed comments on the accounts required by law, violation. I have sent Equifax and XXXX countless dispute letters and my FTC fraud report for months now advising them to please investigate several incorrectly reporting accounts on my credit report. They claim XXXX and XXXX XXXX accounts are verified and updated my report with no proof of verification ( Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized these accounts such as signed applications or contracts in wet ink signature. ) but they're still reporting incorrectly. For starters, I have been in contact with XXXX and XXXX XXXX and have pointed out all the wrong information reporting. I have contacted them via CFPB and mail. They state that the information reporting incorrectly is due to the fault of Equifax. 15 USC $ 1681b Permissible purpose of consumer reports. I demand that they are DELETED immediately, no later than 4 business days. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card, FTC identity theft Report
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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, 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 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

In XXXX I paid off or my {$6700.00} balance.I then proceeded to run it back up.The problem is I have a cash advance limit of XXXX which I reached by XXXX of XXXX.interst rate of about 25 % at that time on my cash advance balnce..I also ran it up with purchases which had a separate interest rate at the time around 16-18 % .I finally noticed even though I reached my {$1600.00} cash advance limit and have not had a cash advance since XXXX of XXXX my cash advance balance kept going up and it was being put on my higher interest rate cash advance balance. Fast forward almost 5yrs my cash advance balance is {$5600.00} my purchase balance is {$1.00} despite not having cash advance in almost 5yrs which all my statements can attest to..I also have seen my interest rates rise on both purchase n cash avance ..my purchase rate is now over 20 % my cash advance has gotten over 30 %. It is now over 29 % despite the fact my credit score has skyrocketed to an excellent XXXX from in the XXXX which from what I've heard affect your margin. And prime rate has gone up..I pay a rate of prime +margin..mine kept going up when it shouldve went down... but the real issue is ive been paying the higher 30 % cash advance rate over an above {$1600.00} since XXXX of XXXX.why is my purchase balance being transfered to my higher interest rate cash advance balance..upto XXXX now and havent had one cash advance since XXXX XXXX..which means ive been paying about 10 % more on anything over {$1600.00} for almost 5yrs and now my last statement is have a balance of {$1.00} at 20.40 % ..and cash advance balance of {$5600.00} at 29.65 % ... im being charged XXXX cents on purchase and XXXX on CA balance... why would CA balance ever get over XXXX
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Payments have never been late on my report it said late in XXXX and XXXX XXXX set up an auto payment to come out my account via a hardship relief program covid 19 and I have screen shot proven and they let my account slip the cracks and its unfair to me as a customer. I called XXXX and they assured me my account was ok and my credit report will not be affected. Now look!
Consumer complaint received 2022-08-21
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, 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 2024-05-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. ()

I was renting an XXXX XXXX XXXX on the XXXX floor of a house that was owned by an XXXXXXXX XXXX  that lived in XXXX. 
The wife, XXXXXXXX XXXX XXXX XXXX, rented it to me with no contract, for a low price. 
The husband, XXXX XXXX and their XXXX kids, XXXX XXXX ( from a previous marriage of XXXX 's ) and XXXX, XXXX, made up the family. I felt safe with them but should not have. 
XXXX and I knew each other because we were in the process of joining a co-housing community in XXXX XXXX XXXX. 
We were required to join a XXXX meeting every other week for 6 months with other cohousing members before being approved. 
Over time, for no reason other than XXXXXXXX XXXX ( he kept XXXX locked in the house and didn't want me, who demonstrated my fearless autonomy in the world, " educating her that women could be independent ) became more and more hostile and threatening to me. XXXX said, strangely, that I was trying to come between her and her children!!!! 
The undeserved hostility came to a head around XX/XX/XXXX when I became so afraid that I had to call the police. 
XX/XX/XXXX They told me to evacuate the apartment and house, which I did taking only my computerXXXX XXXX XXXX and the clothes I was wearing. 
This is how I lost my American phone and number which I used to verify my identity to Citizensbank in XXXX. I used my phone this way since leaving the XXXX XXXX XXXX XXXX 
I have not been able to verify my identity since XXXX so my Social Security and XXXX XXXX XXXX deposits have just been accruing with my not being able to withdraw my own money that I've worked my entire life for. 
I am XXXX. 
I have worked tirelessly to get another unlocked XXXX and try to attach another XXXX  phone number to it for verification. 
I have tried installing a verification app on the phone I use primarily. 
I am very good at technology, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but neither I, nor anyone, nor the people at XXXXXXXX XXXX XXXX XXXX  ) nor anyone at Citizensbank nor anyone at any app company have been able to provide a way for me to verify my identity to this " bank '' so that I can access MY OWN MONEY!!!! 
I spent MANY HOURS trying and trying and trying!!!!
Consumer complaint received 2021-08-09
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: Experian Information Solutions Inc. (NY)

I have filed a dispute in regards to incorrect information on my credit report from Experian regarding an account with XXXX XXXX XXXX  that is not my account. Its on my Experian credit report ONLY. It was removed from XXXX  and XXXX  Credit Report. It has been over 60 days and I haven't received any investigation results.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

My issue is that XXXX must report accurate information to my credit report consistent with the Fair Credit Reporting Act. There are three ( 3 ) inquiries on my report that are fraudulent : a ) XXXX XXXX XXXX b ) XXXX, and c ) XXXXXXXX XXXX XXXX XXXXXXXX continues reporting these inquiries to my credit file which has negatively affected my credit reports, even after my repeated requests to XXXX to remove them. XXXX should not be reporting these inquiries as I did not apply for credit with these companies nor do I have any knowledge of those companies.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

On XXXX XXXX XXXXXX/XX/year> it shows that XXXX XXXXXXXX XXXX XXXX made an Hard Inquiry on My Credit Reports without XXXX, XXXX, & Experian without my consent. I even have a Fraud Alert on all my Credit Bureaus, they still allowed them to pull it even with the notification listed stating that I had fraudulent activity and notified the Company & the Credit Bureaus that it was obtained Fraudulently without my consent and Requested that they Remove the Inquiry the same as Ive had to do regarding 3 other Hard Inquiries, along with accounts opened w/o my consent & they were Removed, but after nearly 2 months Ive still been unable to get the Credit Bureaus to remove the Hard Inquiry or get the Consumer to remove it. I have 5 Credit Cards with this Company which is the Max Allowed & I Never applied or requested my Credit be pulled again, but like the other companies, they pulled a Hard Inquiry dropping my Credit Score & preventing me from obtaining higher credit limit increases that I was about to receive & was denied because of this Hard Inquiry Ive disputed like the previous ones & nothing I do will get it removed & I NEVER REQUESTED FOR THEM TO OBTAIN MY CREDIT REPORT LIKE THEY DID ON ( XX/XX/year> )! Please Help Me Get This Inquiry Removed From My 3 Credit Bureaus, as its preventing me from obtaining credit limit increases on accounts Ive had from XXXX XXXX XXXX & Ive never been late on any of my Credit Cards I requested & this Inquiry has dropped my Credit Score nearly XXXX XXXX  & its destroying my Credit History having this Hard Inquiry that was OBTAINED FRAUDULENTLY & WITHOUT MY CONSENT!!! PLEASE HELP ME DO WHATEVER POSSIBLE TO GET THIS REMOVED FROM MY XXXX CREDIT BUREAUS!!! Im begging for your help because even with a Fraud Alert Added, a Notation about the Fraudulent Activity thats occurred, & a request noting not to pull my credit without my consent, all 3 Credit Bureaus allowed the Hard Inquiry XXXX XXXX XXXXXXXX XXXX XXXX  pulled this Hard Inquiry on XX/XX/year> as I stated w/o my consent & Done Fraudulently w/o ever obtaining my consent!!! AGAIN, PLEASE HELP ME GET THIS HARD INQUIRY REMOVED DUE TO IT BEING REQUESTED & OBTAINED FOR THE PURPOSE OF OBTAINING A CREDIT CARD FRAUDULENTLY WITHOUT MY CONSENT!!! Thank You So Much For Any & All The Help & Assistance You Can Offer In Getting It Remived From All 3 Of My Credit Bureaus!!! Have A Blessed Day!!!
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (LA)

I started a dispute with Equifax due to an error on my credit file XXXX XXXX XXXX XXXX XXXX I have disputed this account for over a year, and I have sent in certified Validation letters pursuant to the FDCPA 1692g Sec 809. requesting Validation of the debt and the method of VALIDATION and all correspondence provided to the creditor ] by Equifax and all documents the creditor has provided to Equifax Validating this debt but instead, all I consistently received was an E-Oscar electronic response stating Verified without any supporting document contrary to my Validation request, I would like this account to be updated as never late PAID AS AGREED or DELETED from my Equifax credit file within 15 days, I have attached my second dispute made online yesterday.