davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (IN)

Subjet : Request to Remove Unauthorized Hard Inquiries from Credit Report.

To whom it may concern, I am writing to formally request the removal of Unauthorized hard inquiries from my credit report, in accordance with the FCRA, Section 611. I recently obtained a copy of my credit report from Equifax Reporting Agency and discovered multiple hard inquiries that I did not authorized or initiate. These inquiries were made by : XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
According to the FCRA, Section 611 ( a ) ( 1 ) ( B ), it is the responsibility of the credit reporting agency to ensure that all information on a consumer 's credit report is accurate, including the removal of Unauthorized inquiries. As per the FCRA, Section 611 ( a ) ( 2 ) ( A ), these inquiries should only appear on my credit report if there is permissible purpose such as an application for credit or my express consent. I hereby declare that I did not authorize or have any affiliation with these companies on the mentioned dates, and I have not applied for any credit or services with them. Therefore, these inquiries are Unauthorized and inaccurate and they are causing damage to my reputation and my financial well-being. In light of the FCRA, and my rights as a consumer, I kindly request that Equifax Reporting Agency remove these inquiries from my credit report. As per the FCRA, Section 611 ( a ) ( 5 ) ( A ), I have previously sent in all the proper documentation to Equifax concerning these hard inquiries. I also request that Equifax provide me with a written response indicating the outcome within 15 days of receiving this letter. Please note that the FCRA allows for Civil liability for wilful noncompliance, including actual damages, statutory damages, and attorney fees. I hope and pray that we can resolve this matter without resorting to legal action and trust Equifax Credit Bureau will handle this request promptly and in accordance to the FCRA law. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (OH)

Sometime in 2020 I opened an Apple Card on my XXXX. For a period of about 2 months I attempted to make small minor purchases with the card and with my Apple Pay on my XXXX. Not one single purchase was ever completed as every single transaction was denied by the bank ( Apple Card/Goldman Sachs Bank ) . The card had a {$0.00} balance on it because it was unusable at the banks choosing. Shortly after receiving the card I contacted Goldman Sachs Bank to inquire on the issue with the transaction denials. They informed me my account was being closed and I would not be able to use the card. They informed me this decision was final. They informed me they will not provide me any other information. They informed me the account was closed. At this point in time the card was never used for any purchase and the balance was in fact {$0.00} and stated to be closed. 4 years later and Goldman Sachs bank is reporting my account as charged off for {$180.00} to XXXX. This is completely false and ridiculously negligent by both parties who I have informed directly of this issue countless times.
Consumer complaint received 2024-06-03
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. (NJ)

I kindly requested XXXX and Equifax to provide physical, verifiable evidence to substantiate the account 's existence and permissible usage but they did not. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was defrauded by a scammer and my card was used to perpetrate the fraud. The transaction was charged on XX/XX/24 and the amount was {$420.00}. I was scammed out of the money by the fraudulent purchase of gift cards by a phone fraudster that directed me to purchase gift cards for a scam purchase of discount internet services. I reported the fraud to the Capital One 360 the day it happened, and did all the things they suggested to correct the situation. They offered on the XXXX to cancel the card and reverse the charges with their fraud guarantee. After sending the new card and reversing the charges, they then changed their mind. I received the XXXX attached letters. Dated the same day, XX/XX/XXXX,, I got XXXX letters, The first one telling me that the issue was resolved in my favor, then a second letter telling me that I personally benefitted and they were denying the fraud protection. i expect them to honor their " {$0.00} Liability guarantee promise '' stated in XXXX of the letters. The reason I use their credit card is to have fraud protection. They are not fulfilling their promise to provide such protection.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I am unaware of the issue. I have made payments and my account was in good standing. I submitted a 1099A that was accepted by the IRS for full payment of my balance and the remining future months of the year. So If I have provided full payment why has my account been closed? The balance should be discharged per the Trust indenture act and the XXXX filing with the sec which it was addressed to XXXX XXXX XXXX XXXX and address to the correct address as well. Refusal to accept my payment is non-compliance and my next step will be arbitration per the terms and conditions in our agreement.
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

From XXXX XXXX, I was in a different country traveling for vacation and visiting friends. On XX/XX/XXXX, I got drugged and taken to a different part of town where my phone was stolen. After hours of finding my way back into my airbnb, to find out my emails and bank accounts have been compromised. Next day I reported the fraud to Wells Fargo to stop the bleeding. I didnt get a chance to look at my bank account to verify what they took. Until I got back this week, got a new phone and went into the bank to regain online access again. The provisional credit I was given was smaller than what I had originally before the incident. I am short {$3300.00} because the XXXX amounts they assumed it wasnt fraud and thought it was me doing it but it wasnt. All transactions on XX/XX/11 I did not authorize those. Im a little disappointed especially being a long time customer with Wells Fargo. XXXX to XXXX is somebody else trying to XXXX money to themselves. I will email them more documentation for proof. Also Ill attach documents here to prove my case on Saturday morning XX/XX/11 my phone was stolen and everything was compromised. When I got a new phone and used my old number, I see XXXX XXXX payments being sent out and XXXX. XXXX is also linked into this but is currently under investigation still.
Consumer complaint received 2023-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc. (MI)

On Tuesday XX/XX/2023, I was connected with XXXX XXXX ( Licensed Loan Officer ( XXXX # XXXX ), Prosperity Home Mortgage Direct ( XXXX  # XXXX ) ) through XXXX. I was looking on XXXX just to get an idea of rates. I was connected with XXXX within minutes. I informed her that I was interested in looking into a HELOAN for {$20000.00}. She confirmed she offered this product and proceeded to take my information. Approximately 20 minutes later she called me and said that she had good news, she had great refinance options for me. I told her I wasnt interested in a refinance ; I was only interested in a HELOAN. She said with the amount I wanted to borrow, she couldnt do a HELOAN and reiterated she could do a refinance. 

XXXX knowing that I was only looking into a {$20000.00} HELOAN and knowing that she COULD NOT help, still took my information and ran my credit. She intentionally misled me from the beginning and ran my credit knowing she didnt have the product I requested. I don't even think Prosperity Home Mortgage offer home equity loan/line of credit options ; however, she still took my information, processed an application and ran my credit. 

The first issue- XXXX should not have proceeded with the application or the credit pull because she didn't have the product/service I was interested in. 

Secondly- as a result of the credit pull, I have been inundated with calls and text messages from loan officers, brokers and mortgage companies that believe Im looking for a mortgage or a refinance. I received 67 CALLS on XX/XX/XXXX starting from XXXX XXXX to XXXXXXXX XXXX This was even with me turning my phone off periodically throughout the day. I ultimately turned my phone off at XXXXXXXX XXXX  or who knows how late the calls wouldve gone. This also doesnt include the numerous text messages I received. The calls started again today ( XX/XX/XXXX ) at XXXXXXXX XXXX keeping pace with yesterday. This is maddening and absolutely ridiculous!
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

Suddenly Chase decided to close my business bank account, without any notice.

I always paid my bills on time and had enough money on the account.

One day they just decided to close the account. All my recurring income streams were cut off, and no support from Chase.

After calling they would send me a cheque. Now 3 months later still no cheque, and they promised it 3 times in between, as I contacted them in between. Zero support.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 2024-03-19
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: Bread Financial Holdings, Inc. (NC)

I am appealing the XX/XX/XXXX dispute response that denied a {$300.00} credit to my account. I never received medical supplies from a merchant. I asked Comenity to assist me when the merchant was not helpful with a refund. I waited over 8 weeks for these medical supplies that have still not arrived. Unfortunately, Comenity denied my request for a {$300.00} credit because I failed to provide proof of cancelation. However, this is a circular logic. I was contacting the credit card company for help because the merchant made it impossible to cancel the order. I have spoken to multiple representatives at the Bread Cashback American Express Card offered by Comenity. I have posted multiple responses in the online message center. Unfortunately, I am still out {$300.00} with no merchandise. The Bread Cashback American Express Card offered by Comenity has prematurely denied my request for a {$300.00} credit. I was able to purchase the medical supplies from another vendor and recovered from my procedure. I no longer have a need for these items.
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAS LaVrar, LLC (GA)

A correspondence purporting to allege a debt claimed by : RAS LaVrar , LLC A written notice was sent as a response to RAS LaVrar , LLC to their Fair Debt Collection Practices ' Act notice that RAS LaVrar , LLC are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. 

The notice also Demanded that RAS LaVrar , LLC " cease and desist '' collections activities prior to validation of purported debt and that XXXX XXXX, XXXX must validate the claim of an alleged debt by providing the following : 1. Full Disclosure 2. Equal Consideration 3. Lawful terms and Conditions 4. The wet ink signature of both parties
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I tried for several years to voluntarily turn the vehicle back in to credit acceptance. They told me they will have someone to pick the vehicle up but never did! I am the co signer on the vehicle and the person wasnt making their payments. I called credit acceptance for three years trying to get them to repossess the vehicle. I couldnt understand how they allowed this person to keep the vehicle with no payment over three years and placed it on my credit. Finally got them to repo the vehicle after credit acceptance did major damage to my credit score. They then a month later sent me a letter saying I owe them over {$9000.00} because they only got less than {$1000.00} on the vehicle. So now I have that sitting on my credit. I asked for proof of them selling the vehicle off yet still havent received that information I totally dont believe they only got less than a XXXX for this vehicle.
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Subject : Complaint Regarding Violation of Rights under 15 USC 1692F by Capital One Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692F. Capital One has engaged in actions that constitute a violation of my rights and have caused significant distress and financial harm. 

On XX/XX/2023, Capital One repossessed my vehicle without proper notice or adherence to legal procedures. Furthermore, they provided my personal information to a towing company without my consent or knowledge, which constitutes a severe breach of privacy and could potentially lead to identity theft. 

The actions taken by Capital One not only violated my rights under the FDCPA but also resulted in significant emotional distress and financial hardship. As a consumer, I have the right to be treated fairly and ethically by financial institutions, and Capital One 's actions have clearly disregarded these principles. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Capital One for their violation of consumer rights. Additionally, I request that measures be taken to rectify the harm caused to me, including compensation for any financial losses incurred and assurance that my personal information is safeguarded against further misuse. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Repossession XXXX XXXX XXXX  Capital one Auctioned off my car DateXXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRUIST FINANCIAL CORPORATION (FL)

Truest bank called to verify my application for a new credit card along with a cosigner. Cosigner was XXXX XXXX in XXXXXXXX XXXX I do not know this XXXX XXXX, and ask Truitt to cancel the application due to fraud. Truist cancels the card application due to fraud with a cancellation code of XXXX. They advised me to notify the CFPB Attempted fraud.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

Last month, on XX/XX/XXXX, I purchased a XXXX vehicle. They ran my credit twice on the same day, appearing twice on my credit report : XXXX from XXXX XXXX, the local dealership, and the second from American Honda Finance. I tried contacting XXXX, but they could not help me, so they instructed me to contact XXXX. 

A similar thing happened last XXXX when I was looking into purchasing a home, and my credit was run twice by different Mortgage companies. This situation has significantly affected my XXXX XXXX since it now appears that I have had XXXX hard inquiries in the last XXXX years instead of the XXXX times that really happened. 

I have copies of my credit report as of today, XX/XX/XXXX, if needed. 

I appreciate your help.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (PA)

This company ( First National Bank of Omaha - FNBO ) has repeatedly not posted final payment and closed my account. They were paid off months ago by my debt management company. After the account was paid, the added a small charge without notifying the company. They have continued to add charges and sent delinquency notices to credit bureaus. There are many other reports online of them doing the same to other customers for years. I need them to acknowledge that they have been paid, close the account, and correct the delinquencies. The government should really stop this predatory lender from operating.

Date of final payment to them was XX/XX/23. They added a {$170.00} charge. They have been paid off and refused to acknowledge payment and close the account since then. 

The debt management company handling my accounts is XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis ()

The rental company ( the company is called XXXX XXXXXXXX ) billed me an amount that I did not agree. They stole my entire security deposit and even tried to steal more money from me by using this illegal debt collector. I responded to the debt collector and disputed the bills with below reasons and proof : - I never agreed with the so-called {$300.00} removal of trash charge ( i removed all the cash when i moved out ). The charge is illegal. 
XXXX XXXX XXXX XXXX manager threatened and cursed me- The billing is illegal as the charged amount is not included anywhere in the leasing agreement- XXXX XXXXXXXX violated the leasing agreement several times, including changing my apartment unit after the leasing agreement was signed - XXXX XXXXXXXX intentionally lied and did not disclose important negative info about the property The debt collector did not respond to my dispute and failed to prove the billing was legal or legit. Instead, they fraudulently filed to my credit report.
Consumer complaint received 2024-05-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: King of Credit Financial, Inc (CA)

I requested the 1099C form as stated on my credit report the creditor has charge off the debt. The creditor is responsible for providing a paper copy of the IRS Form 1099-C to the Borrower ( copy B ) by XX/XX/XXXX of the year following the calendar year in which the cancellation of debt occurred. I have contacted them multiple times with no response. By law & According to the IRS, a charge-off is considered a loss, not income, and is not taxable income. However, if a debt is canceled, forgiven, or discharged, it becomes taxable income. If taxable, the canceled debt must be reported on the tax return for the year of the cancellation. The lender is usually required to report the amount of the canceled debt to the IRS and the debtor on a Form 1099-C, " Cancellation of Debt ''. This form should be used to prepare and file the income tax return. If the debt is taxable nonbusiness debt, it can be reported on Schedule 1 of Form 1040 as other income & im not able to do that as they are not in compliance with sending the 1099c form.