davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capitol One made a " hard inquiry '' on my credit report on XXXX It was unauthorized by me as I have no dealings at all with this company. Capitol One acknowledged it was fraudulent but refused to provide any details, directing me to send a notarized letter requesting that information. I did that and sent it in XXXX but they never responded ( Capitol One Case : XXXX ). In the meantime, despite this clear fraud in XXXX, someone fraudulently opened a " 360 checking account '' in my name with Capitol One. I have no idea why they keep facilitating this identity fraud against me. I got a credit card in the mail and a checking statement. None of this is me and has been reported to this company as such. They will not give me any information about what is happening but seem to be comfortable facilitating identity fraud. I HAVE NO CAPITOL ONE ACCOUNT and want nothing to do with a company that can not seemingly detect or understand identity theft. I would like to know : XXXX. What these applications were for ( one was a checking account, but why was the hard inquiry made XXXX XXXXloan, credit card, etc. ). How were this applications received ( online, by mail, etc. )? 
XXXX. What information was submitted with the applications ( name, address, contact, details, social security number, etc. )? 
XXXX. The steps/process Capitol One used to vet this application. 

Their Fraud Department clearly needs to update its policies and procedures. It's absurd to let this happen twice.
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

I received a Amex Gift Card for our wedding on XXXX XXXX. We went to XXXX on XXXX XXXX and went to make a purchase. My wife handed me the card which was still in its original wrap where the number of the card could not be seen. The card kept being declined. We called Amex Gift Card services and they told us that there are XXXX dollars and change on the card. The original/gift amount was {$100.00} and out of nowhere XXXX charges were made on XXXX XXXX. We politely mentioned to Amex that is not possible because we literally opened the packaging. They said the only thing they can do is cancel the card and send us another card with XXXX dollars and change on it. Besides calling them, they are n't very helpful and they seem to accept when a gift card has fraudulent charges on it. I 'm completely vulnerable and helpless with this. I ca n't stress enough that I literally opened the packaging of the card. Over the phone they mentioned that they can do nothing about the charges. On the outside of the packaging it says, " Funds replaced if lost or stolen '' and on the inside it says, " No refunds will be provided for amounts debited from your lost or stolen card before you notify us ''. Am I subject to rules that a card enforces when I just opened it? How could I have possibly have notified them when I just opened the card and this is my first use. Please help.
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (TN)

I went in  to US  Bank to deposit money in my account and the guy kept on about a credit card. He said let me send you some information. I said okay send information, next thing I know I had a credit card sent to me with a higher credit rate than what I had. I kept telling the teller I had a credit card with a lower rate than he was offering me. The account was opened  XXXX  /2016  and I shredded the card and have never used ever.
Consumer complaint received 2017-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I 've been with Bank of America for over 10 years, the last several with low balance and little activity. I last transferred money about a year ago. I had estatements and reliably received an email balance alert every month. In  XXXX , I received a statement in the mail explaining my funds had been escheated to the state. I had received zero communication until the money was gone. Nothing by email or mail. I understand escheatment policies vary but I had used the account somewhat recently. I called B of A and after discussing with a rep, they placed me on hold and forwarded me to the state.
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In  XXXX    XXXX  , Transunion removed an account from my credit report due to its inaccuracy. Upon reviewing my credit report, it has come to my attention that this same account has reappeared on my credit report. I have also disputed this same account on numerous occasions and yet this account is still on my credit report. I am demanding that the account from national credit systems be removed from my report as it was done in  XXXX    XXXX   for its inaccuracy. This account is affecting me and hindering my family and I from moving forward. I have no knowledge of this debt/account and I have requested validation of this debt multiple times with no response whatsoever. Transunion added this account onto my report without any form of notification, to my understanding this is indeed a violation. I have attached proof that this account was indeed removed from my report.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed 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 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX NAVY FCU- XX/XX/XXXX Balance {$1000.00} 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 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I have a Mort gage Loan with Wells Fargo. Bec ause of the various hardships, explained in the attached  Hardship Letter, I fell behind on my payments. I applied for a HAMP Loan Modification  on   XXXX   XXXX   XXXX    ( 51 Pages - p roof attached ) and submitted a complete package. Subsequently they asked me to submit some supplementary docs., which I did through my  3rd part y.     I am surprised to learn that my request has been turned down, because  Wells Fargo  had offered me a TPP Plan, last year - WHICH I NEVER RECEIVED.When my 3rd Party asked to have a copy of the same, they did not want to send it.     So how can I be denied a Modification, for which I feel I am fully eligible, when I did not receive any at all?     I understand that under  HAMP ev en people who received a Loan Mod earlier and defaulted can also apply for a Loan Modification  again.However, ther e is no question of a default as I did not receive any TPP Plan at all.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (NY)

Dear All, I am writing to inform you about an extremely distressing issue that I have faced with my TD Bank credit card application. After receiving a document from TD Bank offering me a credit card, I applied for it as I thought it might be useful. My application was approved, and I was expecting the card to arrive at my home. However, instead of receiving the card, I was shocked to find a letter stating that someone else had already taken possession of the card and made transactions with it. 

I am completely confused as to how this could happen. For my other credit cards, they can not be used until I activate them, but in this case, someone seems to have exploited a security flaw in the banks process. This situation has caused me significant distress because it has negatively impacted my credit score, and I am struggling to resolve the issue. 

I contacted TD Bank and explained what had happened. They closed the card and started an investigation. I was also given a new card number and instructed to visit a branch to collect the new card. However, when I visited the branch, they informed me that they couldnt issue the card and that it would be sent to my home instead. Despite my insistence, they did not assist me further. 

Now, I have received another letter stating that I must pay the outstanding charges, even though I am not at fault. I fail to understand why I am being held responsible for these fraudulent charges. The bank has said that if I pay the amount now, they will refund me after the investigation is complete, but this is deeply unfair, especially given that my credit score has already been harmed.

This situation has not only affected my credit score but also caused me immense frustration, taking up time and energy that I need for my own work. I kindly ask for your review of this situation and prompt resolution.
Consumer complaint received 2017-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit International Corporation (SC)

On  X/XX/2017    I cent via certified mail a letter stating that I was disputing the debt that Credit International Corporation claimed that I owed. They received my letter on   XXXX   and signed for it. I have proof of delivery and signature in my possession. After they received my request to dispute the dept they made absolutely no attempt to verify the debt and they also failed to report to the credit reporting agencies that this item was being disputed within the  XXXX  day window. I received a new credit report on the  XXXX  day and it showed no reporting of the mentioned debt/account being disputed by consumer.     As per FC RA 623 ( a ) ( 3 ) - responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]   They have violated federal law and I have evidence of such, via certified mail receipts. They must removed the inaccurate information from my credit reports.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The Fair Credit Reporting Act gives consumers the right to review their credit report and dispute incorrect informationand even to sue credit bureaus if they refuse to remove a mistake. Once a dispute has been filed, by law, credit bureaus must respond with a decision within 30 days. Heres how to handle the process. But they keep validating a false account.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX ACCT # XXXX Account name : XXXX XXXX ACCT # XXXX Account name : XXXX XXXX ACCT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-05
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. (OH)

After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the law.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CO)

To whom it may concern, Quicken Loans advertises financing as easy as 1-2-3 but that is not the case. In fact many real estate agents I have worked with say quicken is not a good way to go. A : Quicken has held me hostage to " conditional '' approval of my loan- even after all of my objection deadlines for the property that I am under-contract for. This strategy gives them the upper hand and lets them set the terms. B : Quicken requested repairs to the property that were not requested by the appraiser and not considered an impact on the valuation of the home. They said, " Its something they just wanted done. '' It almost killed the deal, cost me money on a property I do n't own yet and made it impossible to do an appraisal objection since it was quickens request- not the appraiser. C.Quicken has asked for documentation for every amount down to {$100.00} going in and out of ALL my bank accounts. Basically causing me the inconvenience of 'freezing ' my account activity so that they will not HARASS me with any more documentation requests.
D. Quicken keeps on coming up with new " problems '' they had n't noticed before like asking me to pay off my auto-loan to qualify AFTER they had already qualified me. The auto-loan had been there all along. It is my professional opinion and that of my legal counsel that quicken is doing whatever they can to block this loan. E. Quicken has repeatedly attempted to find ways to charge more points to my loan so that it is more profitable to them.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have previously been a XXXX XXXX XXXX XXXX in many ways such as my house being broken into and personal information such as drivers license stolen, data breaches, social security number found on the dark web ect. So as a result of that I have had to dispute inaccurate information from my credit file, however this information never gets disputed. I'm told by the XXXX that the creditor is reporting information that allows them still have it on my credit file but when i reach out to Capital One ( XXXX ) they say this debt is under another name but is under my social security number and they cant provide any other information because its not under my name. I have no idea what this debt is because it is not mine and i want it to be removed from my credit profiles asap. It is reporting negatively and reflecting poorly on my credit file doing detrimental to my future financial endeavors.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It  May  Concern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX     XXXX .  XXXX   XXXX   XXXX , TX  XXXX  E  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX  COLONY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  To Whom It  May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The  item ( s ) listed b elow are as follow : Have enclosed a copy of my Id and  XXXX  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :   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  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with  15 U.S.C. 1681i ( a ) ( 5 ) ( A ) (  i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I re quest that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past  six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the it em ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the ab ove requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Card Services  closed my Credit Card account for no reason after sending a claim through Consumer Financial Protection Bureau in regard an overdraft on my checking and saving account. My  Saving a ccount had been closed for 3 months now and they did n't close my credit line, now because I 'm trying to protect my rights and I 'm complaining about them, they closed my account. My voice needs to be heard, and it will because I 'll make sure of it. Customers need to be protected by they right and they need to do they right thing, not what they think is right. I think this is  XXXX  of those cases where Bank employees, because that 's what they are, employees abuse power and diminish citizen rights. Is this something a customer ca n't do anything about? I really need this Bank punished for how they treat customers and I 'll be complaining with every and each protection agency that had ever existed in the  U.S. W atch me.
Consumer complaint received 2024-09-09
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. (MI)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.