davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MI)

Subject : Urgent Demand for Investigation and Resolution of Fraudulent Accounts and Inaccurate Credit Reporting To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my newborn daughter and me. 
As previously communicated in my letters sent to your company dated XX/XX/2022, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit, these accounts were opened without my authorization. The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA. 
However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue stress, barriers to essential services such as housing, and jeopardizing the well-being of my family. 
Therefore, I request that the following actions be taken immediately : 1. Investigation and Removal of Fraudulent Accounts : Conduct a thorough investigation into all disputed accounts and remove any fraudulent or inaccurately reported information from my credit file promptly.

2. Confirmation of Actions Taken : Provide written confirmation of the investigation and the steps taken to rectify my credit report. This confirmation should include a detailed account of the fraudulent entries that have been removed.

3. Consumer Law Compliance Review : Initiate an internal review of your organizations practices concerning consumer rights and the FCRA compliance to prevent such negligent incidents in the future.

Please take this matter with the utmost seriousness it demands. The wellbeing of my family is at stake, and your immediate action is crucial in rectifying the wrongs that have been done.

I expect a prompt response, acknowledging the receipt of this letter and outlining the steps you will take to resolve this matter urgently.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I am writing to file a formal complaint against Capital One concerning the unwarranted closure of my credit account and the subsequent allegations of First Party Fraud, as detailed in their correspondence dated XX/XX/XXXX. This matter involves a concerning misinterpretation of the terms within Capital One 's cardholder agreement and raises questions about the legality of their actions. 

On XX/XX/XXXX, I tendered payment for the bill sent to me by Capital One, adhering meticulously to the provisions outlined in the bill of exchange and the accompanying instructions. The payment, intended to be applied as a positive value to my principal credit account, was, however, deemed by Capital One as illegal and constituting fraudulent activity. This conclusion was reached despite my strict adherence to the guidelines set forth in their cardholder agreement.

The cardholder agreement explicitly directs that items bearing restrictive words, conditions, limitations, or special instructions, including those marked " Paid in Full '' or similar language, should be exclusively mailed to the specified address : Capital One XXXX XXXX XXXX XXXX, NC XXXX It is worth noting that all accompanying communications are also subject to this requirement. Despite my compliance with these stipulations, Capital One has deemed my payment and its associated communications as violative of their agreement.

Subsequent to their receipt of my payment, Capital One proceeded to close my credit account. Notably, they assert that the closure is attributed to my failure to remit federal reserve notes, a condition not explicitly stipulated in the cardholder agreement. As the original cardholder and holder in due course, I communicated to Capital One that they lack the authority to close my credit account without my explicit permission and, concurrently, retain the tender payment. This action, in my view, constitutes an unauthorized use of my credit, as delineated in 15 USC Sec. 1602 ( p ).
Consumer complaint received 2024-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

since XXXX of XXXX when I received first a mortgage increase from NEWREZ of almost {$400.00} a month higher. 
First error they were showing my taxes due 3 times a year that was corrected. 

Then they paid XX/XX/XXXX second half taxes in XX/XX/XXXX and I provided them proof which matches the withdraw amount from my mortgage analysis they sent on XXXX. 

But they will not remove the amount showing they are paying it again XX/XX/XXXX. I have already sent them evidence that the county shows they paid them ahead of time in XXXX. If they pay attention then my account is not short and I can go back to my regular payment. They will not even allow me to make my regular payment while they fix the issue causing a financial hardship to my household. I been dealing with this going on 3 months. Then I called the tax department at Newrez but their escrow and tax department have me going back and forth and do not communicate between each other as the tax department does show it paid. I keep asking why can't they communicated between each other and they said they can't. worst Mortgage I ever heard of.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

Company claims to have verified debt, after the police investigation it has been determined the debt is not mine and APPROVED. Items were shipped to an address XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX which I have never lived at nor has nothing to do with me. 

Order # XXXXXXXX XXXX XXXXXXXX Company issued credit card and later closed it after their internal " restructuring '' to all credit card holders, pretty sure this is an internal fraud case. 

Company is sketchy at best.
Consumer complaint received 2023-04-19
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. (DC)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently made timely payments on this account and have never allowed them to be overdue. I do not understand why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, this billing error should be corrected.
Consumer complaint received 2022-11-28
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. (VA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 1 month to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (GA)

On XX/XX/2023 I received a late fee and interest on my credit card ( gm rewards card Marcus by Goldman Sachs ). I had previously called and requested a statement for the month of XXXX ( which I never received ), I received a letter with a copy of my statement ( the due date was XX/XX/2023, the date on the letter is XX/XX/2023 ), I have never had a problem receiving my statements in the past, I called 3 different times over 2 months before I received the first copy, I paid by phone the statement balance on XX/XX/2023, I was told they would remove the late fee because they could see where I had called twice asking for my statement, on XX/XX/2023 I received a statement with late fees and interest, I called and questioned the charges ( there has been no activity on this credit card since XXXX ) I was told I had to pay the late fee and interest on the late fee!
Consumer complaint received 2023-09-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC. (WI)

Regarding XXXX country of XXXX and Exeter Finance llc, purchaser and buyer. This matter consists of fraudulent and incorrect information on parties auto loan agreement. Written copy of loan agreement was not provided to buyer or cosigner during purchase. Was given XXXX XXXX that required payment to view which soon after expired. XXXX is extremely higher than agreement. Contract is predatoryly unfair and should be considered as Usury. Would of never agreed on paying almost XXXXXXXX XXXX for an used XXXXXXXX XXXX vehicle. Complained to XXXX  which caused lender to email purchaser that company wanted to help but when contacted was only concerned with when and how much would be paid. Lenders employees gave false information of amount of payment for 30 day grace period due to repairs needed on vehicle that dealership refused to repair under active kunes no fear warranty. Correct payment would have been made if employee would have given Correct information which IS documented on phone conversation with lender. This is another fraud concern since lender immediately charged fees for breaking agreement and never worked with buyer in this situation. This caused buyer to be behind two payments ever since. Lender calls multiple times daily just to be told the documented conversation on biweekly payments being made in attempt to update payments. Were I believe fraud came into play was with dealership. They either mistakenly switched cosigner and buyer ( my belief is because cosigner had auto insurance but buyer did not at the time ). This was done without consent and would be financially impossible because buyer ( who is switched to cosigner ) at that period has a subpar below XXXX credit score. Cosigner ( which is now buyer had sole auto AND mortgage loan ) would've never been approved financially for that loan and it makes no sense for sn XXXX credit score to cosign. Would not have needed subprime lender or cosigner with XXXX credit score would have been done through bank not dealership. This has put grave financial burden on our family and impacted both of our credit scores and the ability to lend. Have no knowledge if dealership lied about finance for approval and its very concerning. Lender has many worrisome lawsuits and settlements for this reason plus many others.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I'd like the CFPBs to be aware of unfair and deceptive practices of Capital One. Since my XXXX XXXX XXXX accounts were moved to Capital One 360 Savings accounts when it acquired that XXXX XXXX, I have held multiple " high-interest '' savings accounts with Capital One. Capital One reduced interest rates on those accounts as federal rates declined. In XXXX Capinal One created a new variable rate savings account product with a similar name, Capital One 360 Performance Savings Account, and no longer offered Capital One 360 Savings Accounts to new customers. Capital One 360 Performance Savings Accounts were the only variable savings accounts advertised by Capital One starting in XXXX. As interest rates rose over the past few years, the interest rates on Capital One 360 Savings Accounts were not adjusted, but those of the Capital One 360 Performance Savings Account were. Existing account holders of the Capitol One 360 Savings accounts were not notified that their accounts were no longer being adjusted, but were fixed at the low rate of 0.3 % when the Capital One 360 Performance Savings account was paying as much as 4.3 % interest. I assert that this was intentionally deceptive, given that customers were intentionally made to believe that their Capital One 360 Savings account interest rates would adjust as federal rates changed, and that this savings account was " high-interest ''.
Consumer complaint received 2023-08-31
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. (MS)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (OH)

Subject : Urgent Resolution Needed for Truist Account Issue Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to bring to your attention a pressing issue I have been facing with Truist Bank regarding my closed account, and I am seeking your assistance in resolving this matter promptly. 

Account Details : - Account Closed : XXXX XXXX XXXX  - Account Number : XXXX - Department : XXXX XXXX XXXX - Note left on XXXX XXXX XXXX   : " I can take {$100.00} out on this date ... '' Despite the closure of my account, I have encountered significant challenges in accessing the funds associated with it. I initiated a transaction from my business account at XXXX  XXXX XXXX to my Truist account via XXXX. Regrettably, Truist has stated that they are holding the funds under the pretext of verifying the transaction to ensure it is not fraudulent. 

The transaction in question, involving the movement of funds from my business account at XXXX  XXXX XXXX to my closed Truist account, has already been settled and remains unchallenged. The nature of the transaction was an internal transfer from myself to myself, with no external parties involved. Despite this, I find myself entangled in a prolonged verification process, and I am unable to access my funds. 

I have been patiently waiting for a resolution, but the delay has become untenable. I kindly request your intervention in expediting the resolution of this matter. I am eager to visit the branch and retrieve my funds immediately. 

I appreciate your attention to this matter and your assistance in facilitating a prompt resolution. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft due to my information being involved in XXXX, Experian, and XXXX data breaches. I have many unauthorized accounts listed on my reports that are ruining my reputation with the banking system and hurting my chances with getting a mortgage. I also sent in all necessary document evidence and the credit bureaus are willingly infringing on my consumer rights. Not only are the accounts inaccurate but they are being reported without valid evidence.
Consumer complaint received 2024-01-23
Product: Credit card — Store credit 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: WELLS FARGO & COMPANY (GA)

My phone was stolen when I was outside the country XXXX XXXX XXXX XXXX XXXX they somehow got in the phone annd attempted to make XXXX XXXX transactions through the stolen phone. 
I immediately notified Wells Fargo as well as XXXX XXXX. Both Wells Fargo and XXXX XXXX said that these transactions were authorized by me or my representative. They refuse to discuss the matter any longer. 
Over 20 transactions were attempted on XX/XX/XXXX, Between XXXXXXXX XXXX XXXX XXXX Most of the transactions were blocked. However, somehow some the transactions went through ; even after Wells Fargo canceled the card. 
Over {$2600.00} of transactions were made. at reimbursing me the charges ; Wells Fargo has recently sent me a letter the charges will be reversed.
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (WI)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Westlake Financial regarding their failure to delete delinquency from my credit report, as well as their involvement in dealer fraud that has had a negative impact on my credit and financial situation. 

In XX/XX/2022, I reached an agreement with Westlake Financial to pay off an account in return for the deletion of a delinquency from my credit report. This delinquency was preventing me from obtaining a student loan, and I agreed to pay the account in full based on their assurance that the delinquency would be removed from my credit report. 

However, despite fulfilling my end of the agreement and paying off the account as agreed, Westlake Financial has failed to delete the delinquency from my credit report. This has caused significant harm to my credit profile and has continued to impact my ability to obtain a student loan, which has had a detrimental effect on my educational pursuits. 

Furthermore, I recently discovered that the vehicle associated with the delinquency was sold to me with dealer fraud involved. At the time of purchase, the dealer misrepresented the mileage of the vehicle, reducing it from XXXX miles to XXXX miles, and failed to disclose that the title was a rebuild title. Westlake Financial was aware of this fraud, but failed to disclose this critical information to me, resulting in financial loss and potential legal implications. 

I have attempted to resolve this issue with Westlake Financial directly, but they have been unresponsive and have failed to take appropriate action to rectify the situation. Therefore, I am requesting the assistance of the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to hold Westlake Financial accountable for their failure to delete the delinquency as promised, as well as their involvement in dealer fraud. 

I have enclosed relevant documentation, including evidence of the agreement to delete the delinquency and information regarding the dealer fraud, for your review. I appreciate your attention to this matter and look forward to your prompt action in resolving this issue and ensuring that Westlake Financial complies with relevant laws and regulations. 

Thank you for your assistance
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I contacted XXXX and I received a response that my loan is in suppression. 


Upon reviewing the information provided, I have identified inaccuracies in the reported amount owed, which is adversely affecting my credit worthiness. 

I request that you provide evidence supporting the claim that I owe about {$86000.00} to XXXX, as the information currently available is insufficient for me to verify the accuracy of this amount. Furthermore, I believe that this suppression violates my rights under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, consumers have the right to accurate and complete information on their credit reports. I am specifically referring to Section 611 ( a ) ( 1 ) ( A ), which states that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 

I kindly request that you conduct a thorough investigation into the discrepancies in the reported amount and provide me with detailed evidence supporting the claimed debt of {$86000.00}. Additionally, please ensure that all information related to my account adheres to the accuracy requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and request that you provide the necessary documentation within 30 days, as stipulated by the FCRA. Failure to comply may result in further action to protect my rights under the law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NJ)

I found out through credit check that someone used my name and SSN to open XXXX XXXX XXXX account in XXXX XXXX XXXX I have never had XXXX XXXX XXXX account or never been to Texas. I was contacted by XXXX collection agency and got information listed below regarding fraud. 

XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX None of that information belongs to me. I live in XXXX XXXX, XXXX and always had XXXX  account. I filed police report at XXXX XXXX police XXXX. 

Please advise for next steps to secure my identity.