davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently contacted Capital One couple of months ago for a replacement card, thinking i'd lost my wallet. More recent conversations took place XXXX XXXX and XXXX.Which is when I learned about my account had been closed ( permanently ) except to make payments. After a few phone calls made to them going back and forth ( even writing them a letter regards to there must be a mistake ), but to no avail. I prompted an initiated an investigation. And it wasn't until then that they said they'd look into into.Said they would contact me back in ten days. So I marked my calendar including and excluding the weekends to assure my prompt attention. But no call came.So I contacted them back.And they implied they had called. Since they could not provide me with any more information other than claims of what was owed.I asked them could they provide me a copy of the transaction or transactions they were looking at because I didn't have a clue? He stated he could not.Because that was his information, however I could send them my information to prove myself.I told him I'd been with XXXX XXXX XXXX since 2003 and in good standing.Therefore I wouldn't do nothing like this.My only fault is not reading my statements.Because I just felt i just needed to pay my bills.He then put me on hold to see if he had the authority to provide me more information, then came back and asked me how many banks I did business with? I informed him only XXXX XXXX XXXX and my Capital One card.He gave me a name of a supposedly bank called XXXX or XXXX. There was a charge for over {$500.00} made to my credit card in this past XXXX, Capital One explained to me.And I'd just started working XXXX the XXXX.? Which I looked it up and then called them immediately.The number Capital one provided me was XXXX.The recording stated there were 989 people ahead of me! Thinking this was a glitch, again I called the next day and the same thing. Now I'm not sure what's going on. But I don't know anything about these charges and want them removed. Also I'm having problems getting other credit cards because of this.I don't do stuff like this, I just went to XXXX  school to attempt to make a better life for myself two years ago.And I don't fault Capital One for being in a position to have to do this, but I didn't do this.However i want this fixed.Investigate and give another chance because of my paying history, and I'm trying to get justice. I'm not a computer savvy person, I wouldn't know how to do nothing like this. ( not that I'd want to )
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I am having a problem getting anyone to talk to me, I have tried their live chat, XXXX and phone ... ..I sit on the phone forever, then it hangs up on me. No option to give my phone number for a call back. 

I have had automatic payments for years but just tried to change accounts it pulls from and something went wrong. It didnt pull from the new account and I wasnt notified until after the late payment was assessed. Once I got notified, I paid the payment immediately and deleted the new account and re-set it up because I couldnt figure out what was incorrect about it, I still havent been notified that the account was incorrectly set up, so I dont know that was even the issue ... ..again, no one will talk to me.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

On Wednesday XX/XX/2020, I used the IRS wheres my payment app to find out when I should expect my stimulus payment deposit to hit my checking account and at the time it showed me the payment was to hit my account that day. I then check my Chase bank app to see if it had, to which I saw nothing. So I want back to the IRS website and looked at the last 4 of the account that it was to be deposited in, the last 4 digits displayed were ( XXXX ), which I realized wasnt mine at ( XXXX ). 

I then called Chase Bank, and waited on hold for nearly 2 hours by I spoke with someone there, they told me I  needed to file a claim, I did that. They told me it would be rerouted into my account in 1 to 2 business which would have been that Friday. It never came, so I called back to find out the status. I was hung up on and given the run around many times. I called my local Chase branch, they took down my information and said theyd call me back that day or Saturday morning never happend. 

I then waiting till that following Monday, to which I waited hours to speak with someone again and they hung up on me. I called back and finally got thru to the claims department, they told me to expect a reroute that night, and still I got nothing. I called to day and was informed theres nothing that chase can do because the deposit was in that persons name and they spent the money and that I needed to take the matter up with the IRS, which is closed due to corona. So Ive received no help. 

I took a picture as proof of the irs website showing the deposit date which the account number my payment was sent to.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

Based on the Citi New checking account target promo details, deposit {$15000.00} and maintain 60 days will receive {$500.00} bonus in 60 days. I have completed the deposit on XX/XX/2019 and and maintained at least 70 days. So far still do not receive the bonus from Citi.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I submitted documents to correct the address that are on my credit report. I submitted documents that state my current address as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. 
I have included a copy of the results of the dispute with no address change at all. I have been residing in an apartment ( # XXXX XXXX complex for over 5 years now. 
Experian report is showing the following addresses : XXXX XXXX XXXX XXXX XXXX CA XXXX Address ID XXXX Similar address to my current address missing the apartment which makes it incorrect. 

XXXX SOUTHWEST EW XXXX XXXX XXXX XXXX XXXX CA XXXX Address ID XXXX Similar address to my current address except the EW is not accurate so again incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Address ID XXXX This isn't even my address ever and the claim its tied to an account that is closed because I didn't authorize the account to be open. 

I included a copy of my bank account with my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Also as a result of their investigation they claim the following name belongs to me : XXXX XXXX I also provided supporting documents which show my name as XXXX XXXX XXXX making the name XXXX XXXX incorrect.
Consumer complaint received 2020-04-21
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. (IL)

Trans Union LLC XXXX XXXX XXXX XXXX. Box # 2000 XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX  XXXX XXXX Provide Physical Verification UNVERIFIED ACCOUNT * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Booked a trip using my miles+cash on XX/XX/2020, from XXXX to XXXX to XXXX. Trip ID XXXX. Ref. No. XXXX. Agency Ref. No XXXX. Since the trip has been canceled. I used 110K miles plus {$230.00} on my Capitalone credit card. It is impossible to speak someone from their travel agency. I was on hold more than 2 hours. Impossible. All I want is my miles and cash back. I am a XXXX  years old senior. Finally, this morning talked to someone, she told me they can only give me a credit for this trip, a supervisor was going to call me in 5 days. I want my miles and money back. Appreciate your help. Thank you very much.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX see attatched Reported by USAA account XXXX XXXX ) WAS account ( XXXX ) ** SOLD TRANSFER/SOLD see attatched XXXX  USAA XXXX OF DEBT ** DEBT DISCHARGED {$XXXX}, XXXX XX/XX/XXXX USAA XXXX TO XXXX  FOR FINANCIAL GAIN THEN SELLS ACCOUNT?? I HAD TO PAY THE {$XXXX} IN TAXES. see number on form call more information XXXX XXXX XXXX it is a usaa number that says ANYONE COLLECTING ON THIS DEBT IS ILLEGAL.?? USAA CONFIRMS THIS ACCOUNT IS NOT OWED TO IRS IS DELIQUENT TO CREDIT XXXX & XXXX THIS DEBT CARDHOLDER NOT LIABLE? USAA HAS DESTROYED MY CREDIT. AND SOLD FRADULENT GOODS.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc. (IL)

XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

ILLINOIS XXXX COLLEGE/TEK-COLLECT XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You
Consumer complaint received 2020-04-21
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. (MI)

Equifax refuses to investigate XXXX XXXX after been serve by certified mail for documentation associated with the account bearing my signature. maturity date of XX/XX/2020 has elapse which thirty days
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I submitted a disputed with Experian credit Bureau, informing them that several items on my credit report was incorrect please review attached document. Mind you, I had to mail the letter twice on XX/XX/XXXX, XX/XX/XXXX and submit a request online on XX/XX/XXXX, before anything was updated. But, it still reflects incorrect information. 

For the following Telephone Number still appear : XXXX, XXXX and XXXX, I do not recognize any of these number and neither of these numbers belong to me. I have asked that no number appear on my credit report, for security reason. They continue to report the wrong information in this section. 

Spouse or Co-Applicant : They continue to report XXXX. 
I have no spouse nor any co-applicant, I am a single female and ask that the following name be removed from my credit report. This is an unknown individual, with no last name on my credit report just XXXX. 


Thank you
Consumer complaint received 2020-04-19
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. (GA)

My Ex Husband stole my information ... .he filed for these things and his credit reports are clean and all was reported to mine ... .these accounts are fraudulent ... I have never filed for bankruptcy or any of these other accounts listed on my credit reports ... .I filed a police report and and Identity Theft affidavit in which I submitted to all 3 bureaus and nothing has been done ... these accounts should have been blocked and or removed within 4 business days per section 605b of the FCRA.

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

all documents are attached with dates ... .please advise!
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I recently refinanced my home loan with Quicken loans. I never received my payment coupon. The first payment was due on XX/XX/2020. All of my paperwork was through Quicken loans. They failed to successful send me either via email or by XXXX XXXX payment coupons. I latter found out they had changed their name to Rocket Mortgage. My email server did not recognize this address as my loan had been done through Quicken XXXX. Finally on XX/XX/2020 I received a late notification again from Quicken Loans. I immediately went on line and made the payment and an additional payment. Quicken  reported my late payment, which was my first payment on a new loan destroyed my credit score which has made it impossible to get a loan. As a physician during the Covid-19 crisis this will endanger my ability to practice and make my payroll.

My mortgage banker appealed to Quicken and I have also appealed to Quicken to reverse this derogatory remark on my credit. It was caused by an issue with communication between the lender and me. With my prior loan I never had this issue and I incorrectly believed that I had a 90 day grace period to start the first payment. My assumption was that I would either get a written or email confirmation of how to establish payments with Quicken. In addition they changed the name from Quicken to Rocket mortgage. I have talked to another person who had this exact same issue happen to them. I feel that this is unfair at a minium and fraudulant. I have referred this to a real estate attorney.
Consumer complaint received 2024-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, states, I have the right to privacy. 15 USC 1681, Section 604 a, Section 2, it also states, a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am in a situation that I can not make my mortgage payment in the next month with Bank of America. However when I get online at the bank website to apply for 120 days postpone payment, their website saying that they will report to my credit bureau that during Covid-19 that I can not make mortgage payment and the late charge is not charge. My question is, is this reporting from Bank of America affecting my credit in the future if I apply for a loan or credit card?
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX incorrectly reported my car lease/loan account as delinquent. The car was returned on time prior to the lease end date and all payments were made on time. In the time of hardship during covid-19, it brought my credit score down drastically and affected my ability to receive a personal loan because of this issue. The bank admitted it was a mistake but never resolved the issue with credit reporting.
Consumer complaint received 2020-04-21
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. (KY)

Well first off I never knew anything about this account until I received a bill in the mail. It has made my XXXX XXXX drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.
Consumer complaint received 2020-04-21
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. (MI)

In XXXX, I was informed that my vehicle would show as a XXXX ( {$0.00} ) amount owed, if I provided details on my car which was totaled by a truck driver on Interstate 94. The cost that I owe based on what the auto dealership manager stated I would I owe after providing the police report, details on the junkyard who confirmed the vehicle as totals, and other details, the promise was to XXXX ( XXXX ) out my account. After I complied, soon my phone calls were ignored. 

Once I confirmed even after a year later there was no follow through by XXXX XXXX XXXX XXXX, a complaint was made to Attorney General 's office. Again, XXXX XXXX requested pictures with no action on the initial promise. 

Additionally, a request for an update to XXXX, XXXX, and TransUnion with no resolution on XX/XX/XXXX. On XX/XX/XXXX, TransUnion replied with a status of " Unknown, '' which is not an answer at all. 

Now that it was not handled after two years, I am requesting finalization.
Consumer complaint received 2020-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

One XX/XX/XXXX when signing the original loan documents papers with XXXX XXXX. During the signing process the loan representative changed the original loan documents causing the original loan approval to be deleted. The loan representative keep trying to get the loan reapproved but his actions resulted in multiple hard credit inquires and letters that the loan was declined. I was finally able to sign for the loan on XX/XX/XXXX. I called Transunion but was told that I need to file a police report and send them a copy of the report. They refused to open a dispute. 
I mailed a letter dated XX/XX/XXXX to XXXX XXXX disputing the multiple hard inquiries. I confirmed, by phone, that the letter was received on XX/XX/XXXX. 
Their response was to send me letter why my loan was turned down instead of investigating the issue. I have made several calls to get a update on my dispute but only receive a run around. My last contact with XXXX XXXX was on XX/XX/XXXX. I was told that my file was given to someone who was investigating the dispute and finished it XX/XX/XXXX. I was also told that I may to start the dispute process over.
Consumer complaint received 2020-04-19
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. (FL)

PREVIOUSLY DISPUTED AN ACCOUNT THAT I NOTICED WAS ON MY PROFILE WHEN I REVIEWED MY CREDIT REPORT, DISPUTED THE ACCOUNT 2 TIMES AND NO INVESTIGATION OR RESULTS ABOUT THE DISPUTE WERE RECEIVED AND THE ACCOUNT I'VE DISPUTED WAS PLACED ON MY CREDIT PROFILE IN CONNECTION WITH IDENTITY THEFT, AND HAS REALLY AFFECTED MY SCORE.