davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-19
Product: Credit reporting 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)

Im in disagreement with the account listed below which still appears on my credit report, even after your investagation. I would like this immediately reinvestigated. The inaccuracies are highly injurious to my credit scores. 

Account XXXX XXXX XXXX In accordance with the fair credit act, public law 91-506, title VI section 611 provide the names and business of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 

Account name : 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 I am writing to dispute an inquiry, from Experian on XX/XX/year>, as inaccurate as I did not authorize it. According to the fair credit reporting act when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe to be inaccurate or incomplete. The act mandates that credit reporting agencies must investigate disputes, correct any inaccuracies, and provide a response to the consumer within 30 days. 

I request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I have attached a copy of my credit report with the disputed inquiry highlighted, along with any supporting documentation to substantiate my claim. 

Please provide me with a written confirmation once the unauthorized inquiry has been removed. If you require any further information, please contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WESTERN ALLIANCE BANCORPORATION (VA)

Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] Item in dispute : Western Alliance Bank mortgage, account number : XXXX Source of dispute information : Western Alliance Bank Type of disputed information : Mortgage payments Dates associated with item being disputed : circa XX/XX/year> Explanation of item being disputed : The mortgage bank increased my payment due to an escrow increase. I didnt receive notification of the increase so for two months my automated payment was short for a total of XXXX dollars, which I paid immediately upon discovery of the shortage. After numerous phone calls with Western Alliance Bank, the said that that the phone number that had for me was wrong. It was a phone number that Ive never heard of and not close to any existing number Ive ever had ( I have the phone recording ). On the phone call, which I have recorded, they stated that they were wrong and it shouldnt have been reported for an escrow shortage. I have made my payments via billpay XXXX XXXX  XXXX XXXX ) every month without exception. My Western Alliance Payment history bank printout is attached.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, insist that you promptly remove inaccurate information from my credit report. The creditor failed to validate the listed accounts, primarily because my information was compromised in the XXXX data breach. Both XXXX and XXXX have already taken the necessary steps to remove these accounts. In compliance with the FCRA, I hereby request the deletion of the following accounts from my credit report due to violations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX at XXXX, I had called Capital One complaining that the recently replaced debit card continued to not work despite activating online. I spoke with XXXX from the customer service management team, employee ID # : XXXX. Her response to me was I needed to wait an additional 7 - 10 business days and is not sure what the problem is with the debit card. I had asked if she can expedite the resolution such as sending me a replacement card, despite the card being expired for months and a banking error failing to send me a replacement card. Her response was if I was unhappy I am more than welcome to close my account and your balance will be mailed via a check to your house. As I was extremely frustrated with not having access to my bank account for a number of weeks, as with this terrible lack of service, the bank account was closed. 

After waiting the 10 business days, I still have not received the check but I had received 2 notices stating my account was closed. I called Capital One customer service and after talking to them I was informed I needed to wait an additional week for the check to arrive. A week later, I called back again and was told that the check was mailed out but the check has no tracking records and they do not have any priority mailing option, so they have no idea where the check is. I was told in order to receive my check I now need wait an additional 7 - 10 business days to receive an affidavit form, then I need to fill this out and have it notarized then mail it back. From the time they receive the affidavit, they have 90 days to send me my money. 10 business days later, I still didn't receive the affidavit. 

I physically walked into a Capital One bank on XX/XX/XXXX and told a banker the whole story. They called the customer service for me and had me to talk them and they informed me the affidavit will be mailed expedited in the next 3 business days. I waited another 5 business days and called them again ( XX/XX/XXXX ) and was told there was no expedition on the note on the XX/XX/XXXX and that I have to wait another 7 - 10 business days before I can receive anything ( XX/XX/XXXX ). 

Throughout the whole experience, no one has told me the same information. Every time I call I am on the phone for over 2 hours only to receive a completely different story. The rep I talked to on XX/XX/XXXX is now saying they are seeing my money in the account but they can not give me access to my money.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I deposited a check that I received as payment from a new client on XX/XX/XXXX. This check was put on hold on deposit. Since I have never deposited a check of this amount this did not surprise me. What did surprise me was that when I attempted to use the funds already in my account I was unable to. I was informed that my entire account was under review due to this check. I was advised by a Truist employee in the Fraud department on XX/XX/XXXX that my account would be on review until the check cleared or was returned for any reason and that I would have account access the following business day. The following XXXX, XX/XX/XXXX the check was returned as a stop payment was placed on the check. and every day since I have been calling for an update as my account is now currently still inaccessible. This is also the account that my regular direct deposits are sent to so I have not had access to XXXX of my pay checks since this issue began causing delinquency in my other financial accounts. The only thing I have been told for XXXX weeks is that my account is still under review with no updates from their analyst. Roughly 75 % of my income is in this account and they refuse to give me access to my account, close my account, or provide an estimate for when this will be resolved. The current amount being held is {$600.00} which increases weekly from my direct deposits.
Consumer complaint received 2023-10-27
Product: Credit reporting 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)

Experian has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit & section ( 4 )!! Even the Debt collector is reporting inaccurate information on my profile!! Experian never informed me what's going on in writing to get the issues resolved, Per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
Consumer complaint received 2024-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

Issue : On XX/XX/year>, MOHELA, my student loan servicer, automatically withdrew {$3000.00} from my bank account without any prior authorization of such charge. This withdrawal was not related to my authorized automatic withdrawal rate of {$430.00}. 

Finally, after over a month of back-and-forth communications, on XX/XX/year>, MOHELA finally agreed to issue a refund of {$2600.00} ( {$3000.00} less the regular payment of {$430.00} ). Now, it turns out, MOHELA has a 30+ day window, that starts on the date of request, for them to issue a refund. In my case, since I finally was able to get MOHELA to request the refund for me on XX/XX/year>, so, if using both business and non-business days, the deadline would be XX/XX/XXXX. However, if solely using business days, the deadline would be XX/XX/XXXX, which is the case. 

The issues are firstly the unapproved withdrawal, and, secondly, the long delay period for MOHELA to refund unapproved withdrawals. These issues lead to MOHELA placing unnecessary burden on the borrowers and deriving a lot free float without fair exchange.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX noted an amount from Capital One that they are demanding payment. I sent a letter requesting verification ( XXXX  ) and got back several Capital One statements in the mail. 

I see problems with these statements : 1. The {$40.00} fee is waived for a period that was not for the period noted 2. The APR interest rate changed three times and I did not receive a reason from the Capital One for changing ( raising ) the APR ( making it more difficult to pay back ). 
3. I feel Capital One purposely made the account more difficult to pay back with the additional fees when they proved they can waive them and the changes in the APR interest without proper paper mailed with notification required by the FDCA. 
4. I feel these amounts should be adjusted and the last months that Capital One was changing rates without USPS mailed notification should be removed from the debt collection process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (GA)

I am a XXXX XXXX XXXX XXXX XXXX and I haven't lived at this location. I sent them proof of where I live. They claimed they verified it is me. They say I owe a balance of {$650.00}. I just want this account removed from my account
Consumer complaint received 2024-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Im a victim of identity theft, I have an FTC report and a police report proving its not mines. Capital one is continuing to lie stating this account is mines. Ive uploaded proof numerous of times through XXXX. XXXX removed blocked the account in XXXX, just for them to unblock it in XXXX and say that they cant dispute it for fraud anymore.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MT)

I've been trying since may to get charges removed that are all fraudulent. They removed XXXX but kept XXXX .all to the same place. Citi bank XXXX card. Charging interst .I have contacted them XXXX or 6 times. They go yep yep and nothing gets done. They are charging me interest on charges I didn't make.
Consumer complaint received 2024-07-23
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NY)

My mother took a reverse mortgage out with Wells Fargo in XXXX. They promised her payments or a check for the equity in her house. They never sent her anything. She kept calling and no one would ever return her calls or tell her what was going on. She died of XXXX XXXX XXXX XXXX. I am the executor of her will. Is her estate owed money from Wells Fargo reverse mortgage scam? Or remediation? The house was eventually foreclosed on. The stress on her for them not doing what was agreed on was part of killing her.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (AZ)

I am writing to formally lodge a complaint regarding a loan account that has been fraudulently opened in my name. This account, referenced above, was not authorized by me and is a result of identity theft. The presence of this incorrect information on my credit report is causing significant and undue distress. 
I discovered this fraudulent account during a review of my credit report. I can assure you that I have not applied for or taken out any loan with your company. This account was opened without my knowledge or consent, and it is imperative that this issue be addressed and resolved immediately. 
When I first became aware of this fraudulent account years ago, I contacted the loan directly to report the issue. At that time, I was instructed to file a police report, which I did promptly. Despite my compliance and numerous subsequent attempts to resolve this matter with them, my name remains associated with this fraudulent loan. This lack of action and resolution on their part has been extremely frustrating and has continued to adversely affect my credit.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

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 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (AL)

I was a a temporary Forbearance. I received your last response to my compliant online. I never got a letter in the mail. During the time I was in forbearance, approximately XXXX payments were on hold, I was paying until that time, then the approximate XXXX month hold. 

When the loan started back up, you started over with a new XXXX years mortgage. I don't think that should be correct. Why did the loan start over to a brand new XXXX  year mortgage when I had been paying on the loan? I think I paid about XXXX payments before the forbearance. Why did the loan not start back over from that point instead restarting at XXXX years.
Consumer complaint received 2024-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I am writing to file an urgent and stern complaint against Capital One for their gross mishandling of a fraudulent account dispute, which has severely impacted my livelihood, reputation, and credit score. I discovered a fraudulent Capital One account under my name. I immediately took action by contacting Capital One through both written correspondence and telephone calls to dispute this fraudulent account. Additionally, I provided Capital One with an Identity Theft Report as mandated by federal law. Despite my proactive efforts, Capital One has persistently failed to provide a detailed method of verification for this disputed account. Their continuous reporting of this fraudulent account to credit bureaus is a blatant violation of my consumer rights and has caused irreparable harm to my financial standing and personal reputationLack of Detailed Verification : Capital One claims the account was verified but has failed to provide me with any detailed information or method of verification used to substantiate this claim. 
Ongoing Reporting of Fraudulent Account : Despite clear evidence of fraud and an Identity Theft Report, Capital One continues to report this fraudulent account, causing significant damage to my credit score and overall financial health. 
Reinstatement of Fraudulent Account : Alarmingly, the account was even reinstated after my initial dispute, further indicating Capital Ones failure to address the issue responsibly. 
Complicity in Fraud : By continuing to report and support the validity of this fraudulent account, I believe Capital One is complicit in perpetuating the fraud, thereby violating consumer protection laws.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

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.

has violated my rights. Or a list of inquiries : 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.