davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXXXXXX XXXX Enter in XXXX XXXX XXXX / Cabela 's Was in the process of purchasing a product_ XXXX XXXXXXXX XXXX XXXX agent offers a discount for the day by applying for XXXX XXXX XXXX Credit Card XXXX underwriter _Capital One. 

Lifted my credit freeze. 

Submitted all information through handheld tablet_asked if I wanted to add a authorized user_I did my dad_ we verified all information_took photos of the application for verifiable proof_XXXX XXXX XXXX employee checked our State Issued Driver License ; was waiting in the store for 2 hours as application showing pending_Left the XXXX XXXX XXXX with application status still showing pending after 2 hours. 

Next day checked my credit report and my dad credit report Capital One had done a hard pull on both credit reports. 


1 week later _ no credit cards received 2 weeks later _ no credit cards received 3 weeks later _ no credit cards received 4 weeks later _ Logged into Capital One Credit Card site. 
My XXXX XXXX Credit Card icon ( XXXX ) was showing up online. 
My XXXX XXXX XXXX Credit Card icon ( XXXX ) was showing up online. 

I selected to make a online purchase with XXXX XXXX XXXX virtual card.Clicked Get Your Virtual Card_ No information was showing for the virtual card. 

Called XXXX XXXX XXXX to inquire about credit card_ response was too call Capital One XXXX XXXX XXXX Card Holder Services . 

XX/XX/ I called Capital One to inquire about the status of XXXX XXXX XXXX Credit Card and the Virtual Card information not showing. 

Capital One stated I should be seeing the virtual card information. 

Capital One stated we need to verify who you are, by requiring additional information. 

1 completed the application online at XXXX XXXX XXXX. 
2. XXXX XXXX XXXX verified the information along with my state ID and my dad state ID. 
3. I took photos of the application before being submitted. 
4. Capital One did a hard pull on my credit report and my dad credit report.

5. Capital One already has issued my XXXX XXXX Credit card for over 3 years now. 

Capital One stated you can send the requested information XXXX of XXXX ways. 
1. Mail 2. Fax 3. secure site by email link. 

I requested Capital One to send the email link with the secure site. 

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Capital One send the secure link to upload copy of state ID front and back. 

XX/XX/ Capital One site now shows. 
XXXX XXXX XXXX virtual card icon ( XXXX ) show up on Capital One site. 


XX/XX/ No Credit Cards received I selected to make a online purchase with XXXX XXXX XXXX virtual card ( XXXX ). 
I clicked get your virtual card information available. 
No information showing to make online purchase. 

Called Capital One. 
Capital One said the virtual card information show be showing. 
I said I took photos show the virtual card information is not showing. 
Capital One said, they still in the process of determining who you are.
Consumer complaint received 2024-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 3rd party. They in fact did not come from a 3rd 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 2024-01-23
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: EQUIFAX, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$310.00} XXXX CREDITXXXXXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (CA)

I advised the company that they have reported my account a charge off effective XX/XX/XXXX when in fact I have a bankruptcy discharge effective XX/XX/XXXX. The company said they never received the notification of bankruptcy and asked me to email them proof of bankruptcy discharge and documents proving they are including in the bankruptcy discharge, and I immediately sent over the documents to no avail.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I have rights to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like Equifax and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Consumer complaint received 2023-05-11
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # : XXXX
Consumer complaint received 2024-04-28
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. (OH)

I have recently look at my credit report and noticed that I have an account on my credit report that I have no knowledge of nor have it been verified. I have attached a letter along with my proof of identity.
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I received a " bonus offer '' advertisement through physical mail several months ago, where it was stated that any new Wells Fargo checking customer would be eligible for a {$320.00} bonus if a checking account is opened with qualifying activities. As a result, I opened a checking account with Wells Fargo online on XX/XX/year> with a promotion code. ( I have attached the front and back images of the advertisement card along with this complaint for reference ) On XX/XX/year>, I called Wells Fargo 's customer service number in an attempt to follow up on the status of my " bonus offer '', but was informed that I didn't meet the eligibility requirement. I discussed my situation with a customer service representative, expressed my disagreement regarding the " ineligibility '', and requested to file a complaint escalation. 

On XX/XX/year>, an escalation representative ( XXXX XXXX XXXX called me and once again went over my situation with me in detail. At the end of the call, XXXX committed that he will respond with an investigation result within 10 business days. 

On XX/XX/year>, I received an email notifying me that after a review of the promotional offer requirements, it was determined that I didn't meet one of the requirements. More specifically, the advertisement has stated that Wells Fargo requiring " receiving a total of {$1000.00} or more in qualifying electronic deposits to the new checking account within 90 calendar days from account opening '', but unfortunately, the investigation result has shown that while I have made a bank-to-bank transfer on XX/XX/year> which meets both the timing and minimum amount requirements, the transfer itself wasn't considered a " qualifying electronic deposit '' because Wells Fargo 's interpretation of a " qualifying electronic deposit '' is actually a " deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and a direct deposit made through the ACH network, an instant payment processed through the real-time payment system or an electronic credit from third party service that facilitates payments to your debit card ''. 

With that, I still wholeheartedly disagree with the investigation result because I deeply believe that any regular customer would struggle in associating a " qualifying electronic deposit '' with a " direct deposit '' because the latter term typically carries a connotation of a recurring, periodic stream of incoming payments. Such confusing verbiage on an advertisement is misleading, and likely deemed deceptive from a consumer 's perspective.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NY)

I filed my initial claim with AMEX on XX/XX/XXXX for {$840.00} and {$520.00} due to the ATM not dispensing cash. I waited over a month for the case to be investigated. During that time I didn't receive any provisional credit on my account, which is standard PRACTICE at every financial institution. I received correspondence from AMEX on XX/XX/XXXX that stated my claim was denied. In the letter, nothing was specified as to what documents were used in the investigation. ATM transcripts are unreliable and frankly speculatory, but I haven't even received that. ATMs malfunction, therefore more needs to be done to thoroughly investigate. To date, I haven't received any documentation that supports their findings. Moreover, I called to inquire about why my claim was denied and I was told I have to contact the ATM 's bank to receive a refund. That is factually incorrect ( go listen to that call like you did my previous one and educate your representatives on the proper procedure for this issue ). I've been with this bank for 3 years, make my payments on time, and keep my account current. Yet, I am being completely disregarded- and I am receiving substandard customer service. This is downright incompetency and carelessness. I will be reaching out to the news channel as well as the Federal Trade Commission regarding this issue if it isn't resolved. I have waited so long, without my money, and AMEX refuses to return it. Absolutely reprehensible!
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX ( Account Name-XXXX XXXX XXXX ) ( Account NameXXXX XXXX XXXX  XXXX XXXX ( Account Name-XXXX XXXX XXXX XXXXXXXX ) ( Account Name-XXXX  XXXX ) ( Account Name-XXXX XXXX  XXXX XXXX ( Account Name- XXXX XXXX XXXX XXXX  XXXX ) ( Account name-XXXX XXXX XXXX XXXX ) ( Account nameXXXX XXXX XXXX  XXXX ) has violated my rights. 

15 U.S.C 1681 SECTTION 602 A States I have the rights to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Last payment was done on XX/XX/year> for {$450.00}, but they took {$1400.00}. These extra {$950.00} is the money of the rent that I have to pay on XX/XX/year>. The late payment fee for the rent is {$200.00} I called capital one on the XXXX becayse I couldn't pay my rent. They failed to returned the extra quantity they took without my authorization. They just authorize themselves to take this money. I am waiting for them but they just told me that they are going to investigate. In the meanwhile I'm trying to convence my landlord to not charge me with late payment. I'm XXXX old retired and the next check will come until next month. I have no other income.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (CA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

SINCE XXXX RUSHMORE SERVICING ESCROW DEPT. HAS REFUSED TO MAIL MY REFUND OF {$2600.00} TO MY MAILING ADDRESS FROM MY ESCROW ACCOUNT DESPITE SEVERAL ATTEMPTS. I SPOKE WITH REPRESENTATIVE XXXX ON XX/XX/year> XXXX XXXX  REQUESTING THAT I NEVER RECEIVED MY MONEY BY PRIORITY MAIL AND SHE SAID THAT THEY WILL REMAIL IT
Consumer complaint received 2024-07-03
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. (GA)

I am a federally protected CONSUMER under Title 15, Chapter 41, a natural person, and the original creditor in all consumer credit transactions I have participated in. 
Statement of Facts : XXXX. I, known as XXXX XXXX have been a victim of identity theft. A fraudulent account was opened in my name by XXXX XXXX without my authorization. 
XXXX. Congress found that the purpose of The Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, TransUnion, and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. 
XXXX. XXXX is aware and has proof in the attachments labeled as Exhibit A, B, and C that TransUnion is in violation of multiple provisions under the FCRA, including but not limited to : *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) *Other relevant provisions , including maximum possible accuracy under 15 USC 1681e ( b ). 
XXXX. If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter be up in court. 
XXXX. DELETE THIS UNAUTHORIZED ACCOUNT AND ISSUE ME A NEW, UPDATED COPY OF MY CONSUMER REPORT IMMEDIATELY!
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (SC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

On XX/XX/XXXX, I received an email stating that my savings account had been frozen. The email also requested a photo of my government ID, along with unredacted XXXX and XXXX account statements for my funding account. The documents, according to the email, would be reviewed within two business days. I promptly submitted the requested documents on the same day and called to inquire about the situation. 

During the call, I was informed that my account had been flagged for review and was asked to provide personal information, including details about the transfers, such as dates and amounts. I provided the requested information, and the representative assured me that they would contact me once the review was complete. 

Despite the stated two-business-day review period, I did not receive any further communication. I made follow-up calls on XX/XX/XXXX and XXXX and also sent messages through their message center on XX/XX/XXXX, but I received no additional information. 

On XX/XX/XXXX, I received an email notification that my savings statement was available. However, when I attempted to log in, I discovered that my account was still locked. I called customer service again and was informed that my account would be closed. When I inquired about the reason, they declined to provide any further information.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Both my parent passed away in XXXX iwasnt able to make payments till XX/XX/XXXX made 1st payment on mortage bank of America with reciept made 2nd payment have reciept made 3 more bank claims no payments were made bank refuses to speak to me or the executor of parents trust which is brother who has been atherized on the account for many years now they wont accept any payments unless its full amount
Consumer complaint received 2024-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (IN)

Companies involved : Freedom Mortgage PH # XXXX My account # with them : XXXX XXXX XXXX XXXX PH # XXXX Plan # XXXX The problem arose from when payment to XXXX XXXX XXXX  was not being paid by Freedom Mortgage. The payment was included with my monthly mortgage payment. During conversation on the phone about this issue, it was discovered that the payments to XXXX XXXX XXXX were being applied to the principal. This has been resolved. The XXXX XXXX XXXX was cancelled on XXXX XX/XX/year>. The payments for XXXX XXXX XXXX keeps popping up on my mortgage statement under other/optional products. My normal mortgage payment is {$840.00}. The XXXX XXXX XXXX payment is listed at {$130.00}. I have spoken to both companies and have come to the conclusion that each company is passing the problem to the other. Please help resolve the error where ever it my be. Thank You! 

One very disappointed veteran.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weber & Olcese, PLC (MI)

On XX/XX/year> two men in State of Michigan uniforms blocked me in my driveway and asked for me by name. I was served with a judgement not mine and told that I was obligated to pay it that day because of a new Supreme Court ruling. I was asked to pay the judgement that day. It was also relayed to me that day that my personal assets were being seized because they had been looked up in their data base and were " going ''. I am a XXXXXXXX XXXX and the non debtor. The state of Michigan attorney generals office told me that the state never sends armed debt collectors who don't show identification to private citizens homes in order to threaten them and ask for money.