davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I would like to be credited in full, of all the fraudcharges including, the charges for products andservices, they claimed they offered that I 'm notsure what they are. I did not apply for creditwith this company, or with any one that maybe associated with as a victim of fraud. 
I feel like I 'm being scammed agained. 
for these reason I do n't use credit card norapply for credit.i do n't feel safe.
Consumer complaint received 2016-09-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I am seeking relief from the high interest loan I have with Net Credit Online loan account XXXX the annual percentage is 98.6 %. I am trying to workout reasonable payment arrangements or a settlement amount I have a home I fought to keep to avoid forclosure and unable to pay the mortgage and anout to loose my transportation to work because I have several online loans and most of my biweekly check is taken from these online advancea who claims that they are not a payday loan organization. I want to do the right ththing I did take the loans out and did not realize the consequences it has cause my family and I. I do not want to avoid these lenders by closing my bank account. I 've worked out a payment plan with the payments reduced with no interest with Cashnet however I am not getting anywhere with Net Credit XXXX and XXXX financial. I am looking for help assistance please.
Consumer complaint received 2015-04-27
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (FL)

Many banks ( XXXX XXXX XXXX XXXX - began XXXX - personal funds, XXXX XXXX - from personal deposits XXXX. XXXX - SSD deposits began in XXXX XXXX to current ', XXXX XXXX - XXXX personal check, BBT Bank deposits were via DoD, XXXX XXXX XXXX XXXX stolen funds from sale of personal fraud - sale of jewelry, XXXX XXXX XXXX , XXXX , XXXX ) other Banking Institutions have also been utilized, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX utilized since XXXX XXXX - utilized in XXXX County & XXXX , XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX ) These banks were utilized for depositing funds from work performed thru DoD, XXXX, XXXX, XXXX sale of XXXX, funds continued - in XXXX XXXX - located in XXXX, XXXX ( XXXX XXXX, XXXX XXXX - contract Admin, ). As the total accumulation is Insurmountable - began in XXXX ). The majority of funds, while deposited by me, they were stolen by XXXX XXXX XXXX - SS # XXXXwere depleted!!!! pp
Consumer complaint received 2017-03-20
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had Savings Account with Capitol One Bank I opened it in XXXX almost one year ago. I put all my life saving in it because of their high interest rate at that time, Also I was preparing myself to move to XXXX and buy a house there. 
In XX/XX/XXXX I moved to XXXX after I sold my condo in XXXX and added the sales money to the same Saving Account. 
In XXXX I found my dream house and I paid {$10000.00} to a Title Company and the rest of the buying price would be paid at the closing date. 
In XX/XX/XXXX I closed my saving Account with Capital One and asked if it possible to send whatever left in my account to where I reside in my brother house in XXXX XXXX. They decided it 's not aloud and they will send check by XXXX in the amount left to the original address in their record ( XXXX ). 
Since XX/XX/XXXX until this day XX/XX/XXXX I have n't received the check in XXXX or in XXXX. Every day since I closed the account I call about 2-4 time daily trying to know the fate of the check ( My Money ) with no avail. In every call I have to spend 10 to 15 minutes only trying to convince Capitol one Bank agent on the phone, that is me ( XXXX XXXX ) who was talking and asking about his money, and always the call ending without reaching any conclusion or knowledge where about my money. I asked, since no one cached any check yet, if they can transfer the money to a new checking account I opened here in XXXX, they said NO, or if they wire it directly to the title company, still NO. I could not find any way or solution to have my life saving money back, still no help from anyone big or small and almost no communication with their way of communications in the phone. 
The closing date with the title company on XX/XX/XXXX that mean if I ca n't have my money to pay the rest of the house price to the title company by this date, I will lose the {$10000.00}, the house and all the money I spent so far to secure the loan ( Appraisal, Inspection, Pay Insurance for the house for the whale year, and many ... many more about {$5000.00} so far ) Please Sir/Lady ; I beg you try to find some way to let me have my entire hard earning money other wise my lost would be a disasters for one like me living only on his S.S. money ...!!!
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX failed to provide correct opening dates XXXX XXXX XXXX XXXX XXXX failed to provide correct opening dates XXXX XXXX XXXX failed to provide correct opening dates XXXX
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (NJ)

On XXXX XXXX, 2012 a line of credit was opened in my name and within several days I received a Wells Fargo " Platinum Card '' credit card in the mail with a line of credit shown to be {$5000.00}. I did not formally ( nor informally ) request an application for this card or apply for it. However, I did receive a " cold '', unsolicited phone call from a Wells Fargo Representative either on, or several days before XXXX XXXX, 2012 during a time which I was at work. I answered the phone because it was a number I did not recognize, and explained to the representative that it was during the work day and therefore not a convenient time for me to talk. The Wells Fargo representative asked if he could " send me some information ''. I told him that would be fine, and hung up the phone. Several days later I received a physical credit card in the mail with additional information about my new " account '' which as I mentioned I had not applied for. I also noticed the new credit account show up as a new line item in my online banking interface, alongside my other Wells Fargo accounts ( at the time, only XXXX debit account and a savings account corresponding with the debit/checking account ). After receiving the physical credit card in the mail, it sat idle and I did not activate it until XXXX XXXX, 2012 ( due solely to the fact that I was planning an trip abroad later that month, and felt it would be helpful to have a line of credit to fall back on should any emergencies arise ) -- This credit card I received from Wells Fargo was my first generic " credit card '', and prior to then my only credit card accounts were XXXX and XXXX XXXX branded cards, and an XXXX XXXX XXXX XXXX XXXX ( no line of credit, just a charge card ). All of that said, I have used the card since having activated it, but have always felt unsettled by the fact that I never requested it, and frankly was entirely baffled as to how this could have happened. After hearing about the recent allegations yesterday on the news outlining circumstances which sounded very similar, I wanted to share my story. At the very least, I take solace in knowing my experience was not an isolated issue. I plan to look into this further and obtain any other pertinent details ( for example, who exactly called me and why this occurred ). I would greatly appreciate any further clarification, potential resolution, or to be pointed in the direction of someone designated to assist with this particular situation. I am a resident of New Jersey, so if there are state resources I can contact I am happy to get in touch.
Consumer complaint received 2015-07-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BUDGET CONTROL SERVICES, INC. (CO)

I was fitted for a XXXX brace with a prescription. They called my insurance company and agreed the insurance company would pay 50 % because they were out of network. My insurance company ask them several times For documents which they did not provide. Because of the time gone by the insurance company closed the case. The company has called me many times. I offer to pay them my half and they refused my payment method. I believe they gave me a more expensive brace than what was prescribed. Once again I did offer to pay my part
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (NJ)

This company constantly reports inaccurate info on my credit report and its hurting my score, my job search and apartment. This company reports different info to each credit Union. XXXX deleted this account, because info was correct and I never was provided the documents to prove this is my account. Equifax and XXXX is still reporting this account so I want it removed. The only thing the company is saying is that its my account, I didnt receive any of the documents I asked for. Please delete
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2017-02-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

BANK OF AMERICA , NATIONAL ASSOCIATION has for over the last three years done every conceivable thing one could do to insist that the debt IT is attempting to collect derives from a promissory Note secured by a Mortgage that was executed by XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, as Tenants by the Entirety, as Fee Owner ( hereinafter " Consumer '' ) on XX/XX/2006. 
Go to XXXX. 
The Note identified the lender as XXXX. The Mortgage stated the lender was XXXX., a corporation originated, and existing under the laws of California . 
Again, go to First Attachment. 
The disturbing issue here is the loan number that is displayed on both the mortgage, and the note is Loan Number : XXXX, with a Mortgage Identification Number registered with XXXX as : XXXX. 
Again, go to First Attachment. 
The loan number that is displaying from COUNTRYWIDE HOME LOANS, INCORPORATED dba/trade name BANK OF AMERICA HOME LOANS that provides residential loans in the UNITED STATES is : XXXX??? 
Go to Second Attachment. 
COUNTRYWIDE HOME LOANS, INCORPORATED dba/trade name BANK OF AMERICA HOME LOANS has never contracted, nor provided any kind of residential loan to the Consumer, as evidenced by the XXXX distinct, independent, and separate loan numbers as proven above.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Clarity services inc. placed a credit freeze on my account without my knowledge and or consent. The representative was unable to provide information on how my report was frozen. I've tried to reach out to the company on 2 separate occasions and was provided the information needed to unblock my credit report would be to send in a stamped envelope with all of my personal information included, social security card, and copy of state identification. This should not be acceptable I didn't place a freeze on my credit report this company is claiming to be a part of Experian in which I have an online account, and no credit freeze were placed on my account through the actual company this is unfair and unjust. This is an example of corporations wasting consumers time and resources with utilizing their positions of power.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as [ XXXX, XXXX, XXXX / XXXX, XXXX, XXXX / XXXX, XXXX, XXXX ]. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX, but my credit report shows an outdated address as [ XXXX XXXX XXXX, XXXX, FL XXXX / XXXX XXXX XXXX, FL XXXX ]. I request that my current address be updated accordingly. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Consumer complaint received 2024-11-14
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)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2015-07-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (VA)

I had a bank account with Wells Fargo, through which I also had a linked credit card that had a " protection plan '' on it for if I was ever hurt or laid off, and therefore unable to make payments. After years of paying the fees for it, when it came time to use the service ( I was laid off ) they made one payment for me then refused to pay any more. I sent in the appropriate paperwork then XXXX letters requesting the service be turned on, before I finally had to file bankruptcy and lost everything I owned. This was not my only credit card at the time, but it was one of the few with payment protection and it could have made a large difference, especially because I ended up being overdrawn and losing the bank account due to their overdraft fees - they would not stop charging against the account, *even after it was closed*. I never received a single response to any of the letters I sent requesting the service I had paid them for years for.
Consumer complaint received 2015-11-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc (NV)

On XXXX XXXX 2015 I received calls every XXXX minutes starting at XXXX relating to a debit for an employee. I asked them not to call anymore on a previous call, however these calls had no announce just a hang up. I called back to tell them again to stop calling this number and they told me they could only give me their mumbled name of AdAstra. After this request I started receiving calls every XXXX minutes. I called in again and XXXX stated they had several accounts with them and they could not get our number completely removed. Each time I called in and gave the number they only pulled XXXX employees so I know exactly what she was referring with this statement. She then said it was going to be XXXX hour before it was removed and that every time I called in it generated a call. I reminded her that I had asked not to be called over 15 days ago and again on Friday because of their dialer practices interfering with my business and I felt I was harassed. She blew that off and said well do n't call in. I want to point in I only called after the calls became excessive and again when I received a call after asking not to be called again.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I called Capital One Customer Service Dept. and spoke with XXXX XXXX ( Rep ID # XXXX ) and XXXX ( Rep ID # XXXX ) about account reviews and credit line increases. 

I have XXXX credit cards with Capital One ; Last ( XXXX ) digits of " first card is # XXXX '' and " second card # XXXX ''. I asked XXXX XXXX and XXXX on Friday, XXXX XXXX, XXXX at XXXX when was my account last reviewed. I was told that information is not documented on my account and the department that does the review does n't take phone calls. I was also told the only way I could get an answer to my questions regarding account reviews was to write in and wait approximately " 20 days '' for a response. 

Although Capital One ' s Account Management Dept. told me my account would be reviewed annually and if I maintained a good payment history, which I have ; credit line automatically increased. They have failed to honor the commitment. 

The only time I 've received a credit line increase was in XXXX when I called asking these same questions. And, that was only on XXXX of my cards. I have good credit with all of my merchant accounts. 

In fact, as of today my balance on the # XXXX account is {$67.00} and my balance on the card # XXXX is {$0.00}.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I opened a credit card with Bank of America this summer that offered a {$100.00} bonus if you made {$500.00} in purchases within the first 90 days of opening. They are now saying that I do not qualify because the purchases were not made until after 90 days. The problem is that I did not receive and activate card until XXXX XXXX, 2015 and by XXXX XXXX, 2015 the {$500.00} requirement was met. However, they are saying the card was opened earlier ( ie they approved account in XXXX even though I did not receive and activate card until several weeks later ). I think this is a bogus promotion and the 90 days should n't start until the card is received and activated. I think it is unfair and deceptive as a consumer has no control over how long it takes to receive the card once it is approved. I think that Bank of America owes me the {$100.00} bonus as I met the terms of the promotion in good faith.