davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am once again submitting this on MY OWN BEHALF. This is XXXX XXXX. I will attach proof of identity in the space below. CFPB IGNORED my last complaint, numbered XXXX. I am not sure if they are working with the Capital One or not but in the interest of saving us all time, i will copy paste and hopefully your job will be done this time in at least pasing the message along. 

mailed Capital One directly and asked for forgiveness due to hardship due to the COVID-19 virus. They responded and told me that they could not do that. I thank them for responding to me, but i also know they are lying. Not only has other companies been able to work with me through this, but I know people that Capital One in particualr has worked with during these issues. I do not know why they wont show me mercy. In XXXX of 2021, I tested positive for the COVID-19 virus and it almost killed me. I have pre-existing conditions that made having this virus almost impossible for me to do ANYTHING, much less leave the house. I was out of work for almost XXXX weeks. I fell behind on a few bills. I got help where I could but I did not know my options. I recovered fully, thank XXXX, but not without some damage. I caught up and paid Capital One as quickly as I could and I have NEVER been late again, nor will I be. I understand you guys have processes that you follow, but compassion can never be overstated. Just this XXXX late payment due to COVID-19 is all i am asking. I do not want any late fees back or anything like that, just this XXXX negative remark on my credit report and i know they can help me and i do not understand why they STILL want me to suffer even though i have paid them, never been late ANY OTHER MONTH since that XXXX. It is just arbitrarily unfair.
Consumer complaint received 2023-06-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/2008 a CD opened with Wachovia bank in the amount of XXXX XXXX dollars. Now years later looking through my deceased wife 's records I found a cd she opened with BOTH our names on it. I do not know where this money is. Repeated contact with Wells Fargo has not been able to tell me what happened to this the account # on the CD isXXXX
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MA)

I have an AAA credit card that was transferred from XXXX XXXX XXXXXXXX to Comenity Bank a year or so ago. I have the card for a long time and Comenity just closed my account quite arbitrarily without even providing a clear reason. My credit score has been above 800 and I have been using and paying off the card regularly. 

More details : It started when I tried to add my AAA card to XXXX XXXX on XX/XX/2023, but wasn't able to receive the verification code. Following the app instructions, I called and was able to receive the code the phone rep sent. However, they then told me my phone turned out to be ineligible for identity verification and as a result, my account was suspended automatically by their system. ( I'm on a data-only plan and use XXXX XXXX as my main number. ) They asked me to email photocopies of my driver 's license, social security card, and a utility bill to prove my address. A few days after I emailed, they permanently closed my account because " there continued to be security concerns with my account ''. I called them again and they couldn't even tell me what the problem was as they claimed that they had deleted the email for privacy reasons.
Consumer complaint received 2023-12-31
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. (CA)

This dispute has been mailed to Equifax at the address XXXX XXXX XXXX XXXX XXXXXXXX, Ga XXXX by way of certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. USPS mail tracker says the dispute was received at XXXX XXXX XXXX XXXX XXXX, GA XXXX. I want to make sure EQUIFAX IS FOLLOWING THE MANDATED COMPLIANCE PROCEDURES REQUIRED BY A CREDIT REPORTING AGENCIES. I have provided proof and explain to Equifax that the information being reported is inaccurate. XXXX XXXX just verifies everything as accurate. I believe no one has opened my dispute because it is lengthy and over 40 pages. The dispute entails a challenge of accounts, proof of identity, and proof of errors reporting on credit report. I have tried to dispute with Equifax via u.s mail and via cfpb.gov I have had no success. Equifax and XXXX XXXX XXXXXXXX XXXX are in violation of 15 usc 1681 e b. XXXX XXXX  XXXX XXXX has been disputed 3 times and no update to correct my information. XXXX XXXX account and XXXX XXXX XXXX Are inaccurately reporting late payments. FCRA 15 USC 1666 ( b ) expressly deems the reporting of transaction history as illegal, further highlighting the inaccuracies on my credit report.This is my final dispute for resolution, this and the dispute is official notice of intent to arbitrage if the dispute is not resolved within 5 business days no later than XX/XX/2023. At that time I will send a fee schedule via certified mail. Please review my dispute. I have detailed everything. Attached is a credit report marked and highlighted where errors and violations are reporting, a copy of investigations results, a copy of my title, lien release, id, social security card. Everything needed to correct the error is provided for clarification.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I'm experiencing distress, dissatisfaction, and anxiety due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Consumer complaint received 2023-05-20
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX  XXXX XXXX Balance : {$7.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00}.
Consumer complaint received 2023-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PNC Bank N.A. (DE)

In XX/XX/2023 I received a XXXX solicitation from PNC Bank about their Choice Home Equity Line of Credit product. This mailer did not specify debt to income or XXXX limits but encouraged one to " call, apply online, or visit a branch ''. On XX/XX/XXXX I visited the PNC branch in downtown XXXX on the corner of XXXX XXXX XXXX XXXX XXXX and after handling my business with the teller inquired a XXXX licensed individual ( # XXXX ) specifically about the XXXX limitations of the offer. I was told that PNC would do " 80 % of your equity '' implying a 96 % XXXX and the individual pulled up my home on zillow to provide more detail to the calculation. Based on this conversation I applied online on XX/XX/XXXX and received preliminary approval for the requested amount ( {$100000.00} ). However, no where on the application, the approval, or any other of the documents provided by PNC did they specify an XXXX limit, merely referencing " acceptable valuation ''. After receipt of the property appraisal I received a counter offer for 61 % of requested amount and XXXX the previously communicated interest rate spread over prime ( Prime + 0.16 % to XXXX + 2.77 % ). If PNC had been honest and forthright about the XXXX limitations on the product when I initially inquired I would not have gone through the time and expense of applying as an 85 % XXXX was unlikely to meet my needs. PNC induced me to apply under false & misleading pretenses ( higher XXXX than actual offeres ), concealed this fact at every stage of the approval process, and only revealed thier true intent after all documents were submitted, my credit had been pulled, the appraisal had been completed, and PNC had already added themselves to my homeowners insurance as a second XXXX holder ( despite no such relationship existing ) in anticipation of this abusive process succeeding.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (ME)

Received funds from a loan in the Axos Checking account XXXX. Immediately initiated an ACH transfer to my XXXX XXXX XXXX XXXX XXXX account ( already linked and used previously for ACH transfers ). XXXX {$12000.00}. 

AXOS note credited the amount on XXXX and issued an ACH transfer tracking number : XXXX As of XXXX the funds have still not arrived at XXXX XXXX XXXX. XXXX can not locate the provided ACH tracking number in the ACH transfer system ( they say this means it has not been submitted for transfer ). 

AXOS bank customer service is unable to provide any further information and says " just to wait '' - Case # XXXX opened with their escalation. 

XXXX confirmed ACH transfer should take XXXX days, and at the very least should be able to see it in the system. Not sure why AXOS would " pretend '' to transfer the money, but this is money I need to pay bills.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
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. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are accounts on my consumer report that are reporting with inaccurate information. These accounts are reported as late payment and potentially negative ( violation against 15 USC 1666b ). When in fact, TRANSUNION did not conduct a full and proper investigation to conclude that these accounts were accurate ( violation against 15 USC 1692g ). I never consented to this inaccurate information to be furnished and it is infringing upon my right to privacy when they did not give me a clear and conspicuous option to opt out of sharing my non-public information ( violation against 15 USC 6802 & Privacy Act of 1974 ). Going against these law can be fined in a civil matter if TRANSUNION does not correct these accounts INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I received alerts on my credit monitoring system, and noticed a plethora of inquiries that I do not recognize, and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. 1 ) XXXXXXXX XXXX account number XXXX XXXX, Equifax, XXXX 2 ) XXXX account number XXXX XXXX Equifax, XXXX 3 ) XXXX XXXX account number account XXXX XXXX, Equifax, XXXX 4 ) XXXX XXXX account number XXXX XXXX, Equifax, XXXX 5 ) XXXX XXXX account number XXXX XXXX, Equifax, XXXX 6 ) XXXX XXXX account number XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (CA)

XXXX Acct # XXXX has violated my rights with accordance to 15USC 1681 Section 602 States I have the right to privacy.

Also 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Section 15 USC 1666B States a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX claims I had a late payment in XXXX of 2022. I never paid late, I simply started paying weekly to pay off faster. I made numerous attempts to resolve this with them and they will not remove this false late payment from my credit. this has negatively impacted my report and my life. I would like this resolved asap please.
Consumer complaint received 2023-08-30
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. (FL)

I submitted a request to update my late payment account for XX/XX/XXXX. Experian did not update the late payment even after receiving the payment history showing that a payment was made on XX/XX/XXXX and deducted from my XXXX XXXX account on XX/XX/XXXX. My due date for XXXX XXXX is the XXXX  of each month. 

I have attached my bank statement and the payment history from XXXX XXXX indicating XX/XX/XXXXXXXX  was not late past 30 days. 

I made two payments in XX/XX/XXXX. Please see page 2 and page 5.

XXXX is still in progress.. however, I am submitting updated information to verify the payment was made for XX/XX/XXXX. 

XXXX was updated to 100 % late payment. 

Experian completed the late dispute on XX/XX/XXXXXXXX  and no changes were made. I have sent Experian a copy of my payment history as requested and still no changes. I am submitting my bank statement as another form of proof.
Consumer complaint received 2023-12-30
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. (AZ)

REVISED COMPLAINT : Credit inquiries by these companies that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In XXXX of XXXX  My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been several fraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-09-22
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. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and XXXX  stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.