davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I 've been a loyal Capital One cardholder, on and off, for very close to XXXX years. I was very surprised and upset when I recently discovered that all XXXX of my active capital one credit card accounts were placed on restriction by the capital one fraud dept. After speaking to a fraud supervisor, I was informed that unless I provide the drivers license and social security cards for all authorized users that I have ever added on my accounts from their inception ( Spanning Over 6 years ) including those that have been DELETED from my accounts, My existing accounts will remain restricted. This was really a death blow to me as many of the authorized users I 've added in the past are no longer in my life and have since moved on. And as for the more recent users It would feel really odd asking them for this information way after the fact, especially being that I was never made aware that this was a requirement of Capital One. If I would have been made aware of this require beforehand, I would have gladly obliged, so I 'm really not sure what I possibly could 've done wrong. I followed ALL of the written policies provided to me by Capital One when it comes to adding new users to my account, and I am fully aware and take full responsibility for the purchases that would be made on my account by an authorized user, so I ca n't understand why I 'm being penalized and treated like a fraudster? I have never been late in over 6 years or missed a payment so why this happening to me is really insulting. 

Over six years of adding and removing authorized users, Capital One has never once asked me for identification documents from authorized users up front, or during the period in which they were on my account. I followed all the guidelines concerning adding and deleting authorized users found in the capital one customer agreement. So again this is really baffling and I do n't understand why I 'm being punished. The revised customer agreement indicates that they " may '' require certain information of the authorized users, and they " may '' limit " their '' ability to use the account. It says limit " their ability '' not my mine. I am ok with Capital One obtaining information beforehand when adding users, but in my case I was never told ANYTHING. Instead I was blind sided with a restricted account that is now causing me more harm than good. I am really worried how my credit is going be affected by this, as my available credit is going to be reduced significantly. 

To add insult to this injury I have yet to receive a straight answer from them on why this information is needed. I was informed this ca n't be " discussed with the account holder ''. I was under the impression this is MY account, and if the problem was that SERIOUS, I should have the right to know. After being loyal to Capital One for so long, and being a responsible cardholder, I would hope they will reconsider their actions and un-restrict my accounts.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I received a 1099-C releasing me from the dept on a vehicle but the Experian credit bureau will not remove from my credit report. The amount shows {$11000.00} that's dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

My husband passed away XXXX/XXXX/2014. The mortgage is in his name. We never had a reason to contact NationStar Mortgage Co. when they purchased our loan from our previous lender. Now that my husband has passed away, I have the deed placed in my name but can not assume the mortgage because I am not an authorized person to speak with the mortgage company. They have increase my mortgage and will not explain anything to me. I have been making payments since the death of my spouse. I received a letter from Nationstar stating my mortgage would increase if I did not pay the additional {$870.00} needed for escrow. I paid it, but they still increased my monthly payment. I went to probate court who explained the process to get the deed into my name, also explain there was no quick deed required for a death of ones spouse. I just need the mortgage company to explain the increase in the house payment and know what is needed to assume the mortgage and try to get a loan modification.
Consumer complaint received 2023-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

Dear CFPB Team, Our property, sited at XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, sufferer significant damage during the XXXX XXXX last year. 

We received the funds for the repair from the insurance company and immediately we started the reconstruction process. We are in a situation of needing additional funds to keep progressing. We have summitted letters to request release of additional funds and invoices from sub-contractor evidencing the progress and the current cost of the repairs/rebuild. We are in a point we need additional release of the funds as contractors can way any longer waiting on our payment. 

We have used all our personal funds and credit lines to a point we have exhausted all financial possibilities. Without the release of additional funds we are not able to continue the rebuilding process causing us a significant financial burden. Every week we have a delay cost us {$2000.00} or more. 

We have been sending all information requested, many times and we haven't receive any answer. In occasions we need to start the whole process again as previous request was lost or never processed, basically ignored. 

The Financial Institution is : XXXX XXXX XXXX, Tx Loan Number : XXXX
Consumer complaint received 2020-03-12
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. (CA)

Timeline ( 1 ) I leased XXXX XXXX XXXX for two years starting on XX/XX/XXXX and enrolled auto payment since then. 
( 2 ) I extended the lease for another 3 months before the first lease expired ( 3 ) I called XXXX  on  XX/XX/XXXX to check if my bank account has been setup to pay the extended lease. And I got confirmation from the XXXX  agent, telling me everything was setup. Note that I had granted XXXX  to get money from my checking account and it had sufficient information from my side to do that.

( 4 ) But later I found there was a past-due posted on my account and I contacted XXXX  to resolve the problem. And again I got confirmation from the corresponding agent, telling me my account was setup but still they didnt draw money from my checking account due to their mistake until XX/XX/XXXX. 
( 5 ) Before XXXX reported the past-due record on my credit report, I didnt receive any message in either email or call about this issue. 
( 6 ) In XX/XX/XXXX, I found my credit score has been ruined by XXXX  mistake. I contacted XXXX  on XX/XX/XXXX to resolve the issue. The agent promised me to send out the result which I havent received ( 6 ) In XX/XX/XXXX, I contacted XXXX  again for the update of the result. The agent told me XXXX  decided not to remove that past-due record. To prepare evidence for future usage, I told that agent I also recorded our bilateral phone call as XXXX   did. The agent demanded me to stop and brutally shutdown the call when I asked why. 
( 7 ) Since XXXX  refused to resolve the issue, I filed a complaint in XXXX  and received XXXX  response on XX/XX/XXXX, which still refused to correct their mistake. In addition, they cited the Fair Credit Reporting Act to justify their misbehaviour, which is against the spirit of this Act since it does NOT grant the credit agent like XXXX  to ruin a persons credit score and refused to correct their error. 

The XXXX  misbehaviours ( 1 ) I got confirmations from XXXX  agents multiple times ( XX/XX/XXXX and XX/XX/XXXX )  about my account was setup to pay the lease. Note that the bank account is exactly the same as the original lease. 
( 2 ) XX/XX/XXXXgot sufficient permission to draw money from it for the payment but it didnt. Even though I called them multiple time to resolve the issue. If XX/XX/XXXXhad trouble in drawing money, how could they did it on XX/XX/XXXX. Note that I didnt provide any additional information to them during that period. 
( 3 ) XX/XX/XXXXreported the past-due item to my credit report without contacting me to solving the problem first.

( 4 ) XX/XX/XXXXrefused to correct their mistake on my report ( 5 ) XX/XX/XXXX refused my call brutally to resolve the problem.
Consumer complaint received 2024-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

I am writing you due to an item on my credit file. You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. I have already submitted a dispute with XXXX that was approved and to be deleted from my credit report. Also the following information across all XXXX Bureaus does not match and is incorrect. The dates the accounts were opened are incorrect. The last verified dates on the accounts are incorrect. The account status is incorrect. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 
Dispute Reason : The accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, OR INCOMPLETE. 
I'm certain you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I am requesting validation of this debt through that XXXX. I am requesting that I am indeed the person you are asking to pay this debt and there is some contractual obligation which is binding me to pay this debt. I hereby demand that you produce for my inspection, an original contract that establishes the existence of a debt to which I am obligated to you or your principal.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am officially asking you to review your data on file for me! As per the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards, I challenge all inaccuracies of reporting. My profile shall be accurate, authentic, complete and with timely verification by you of each piece within my credit report so that we can document how well they are being kept up-to date.The information in my credit report and below is not accurate. It was never proven to be factual or compliant with reporting laws by any means, so I'm going through the process of correcting this oversight permanently! The time has come for consumers to take back their right of access. I am demanding that factually accurate, verified and compliant data be documented on my credit report so it can accurately reflect me as a person with good standing in society! I also require the permanent removal of any inaccuracies immediately! I am deeply concerned about accuracy, so please take care when checking your work.The way you present your information about me is important. I demand that all inquiries within my credit profile have a permissible purpose and be accurately sourced, so we can stay on top of any potential issues before they become problematic to my future.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

XXXXXXXX XXXX furnished my information to Jefferson Capital System XXXX XXXX XXXX XXXX XXXX, mn XXXX according to 15 USC 1681a 4 your company violated my consumer rights of privacy. 
There is no law that state consumer reporting agencies must furnish information about and consumer.
Consumer complaint received 2023-09-12
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. (FL)

I am officially asking you to review your data on file for me! As per the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards, I challenge all inaccuracies of reporting. My profile shall be accurate, authentic, complete and with timely verification by you of each piece within my credit report so that we can document how well they are being kept up-to date.The information in my credit report and below is not accurate. It was never proven to be factual or compliant with reporting laws by any means, so I'm going through the process of correcting this oversight permanently! The time has come for consumers to take back their right of access. I am demanding that factually accurate, verified and compliant data be documented on my credit report so it can accurately reflect me as a person with good standing in society! I also require the permanent removal of any inaccuracies immediately! I am deeply concerned about accuracy, so please take care when checking your work.The way you present your information about me is important. I demand that all inquiries within my credit profile have a permissible purpose and be accurately sourced, so we can stay on top of any potential issues before they become problematic to my future.
Consumer complaint received 2023-04-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

Today I called Citibank customer service regarding Best Buy credit card statement with a balance of {$13000.00}. and a fee of {$670.00} and required minimum payment of {$810.00}. I paid {$13000.00}. for heating/cooling system with a check that was mailed to me with 0 % transfer fee on the side of the check. Before I paid for this unit, I called the bank and asked for a credit increase, I was given the right to increase the balance. The person on the phone did not explain what kind of fees would be associated, as it was 0 %. I was surprised to see a fee associated with the check that I paid with and called the customer service line XXXX. I spoke with multiple people. The following are the representatives who provided me their names XXXX XXXX. I explained to her that I requested a fee waiver as no one explained to me that there would be a fee associated with this check, or if there was a fee what it would be if I paid {$13000.00}. The person said she was unable to assist me, she would provide feedback to someone. Also, she told me I did not have to pay {$810.00}. a month, that I could pay {$140.00}. a month. I asked her for something in writing about that as this was not in the statement. She explained that as I went over {$13000.00} I had to pay {$810.00}, but as I talked to her about it I did not have to pay that amount, I could just pay {$140.00}. a month. I explained to her that no one informed me that if I go over {$13000.00}. I had to pay more than minimum amount monthly. I asked to speak with a manager, she transferred me to XXXX ID XXXX. She was already aware of the issue with the fee, my request for fee waiver and the monthly payment issue. I explained that I was not informed of the fees and that I expected to have the fee reversed. I explained that this if fraud and that I needed to speak with a manager. She transferred me to a person who said he is XXXX, he is probably the same person I spoke to the same evening who disconnected the call. XXXX said his Team ID is XXXX. I asked him again why the fee was not being waived. He said " That is a great question. '' I asked him to explain why he was unable to resolve the issue and why he was being condescending. He said that I was being unprofessional then he disconnected the call. I have a picture of the check, on the front there is absolutely nothing written about a percentage that has to be paid. The portion that was torn off the check has a XXXX percent on the front of the check. The company should not mislead customers to believe that there is no balance transfer fee or 0 % when on my bill there is a fee.
Consumer complaint received 2023-09-12
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. (GA)

First let me say its nice to know that at least XXXX of the XXXX CRAs XXXX still exercises their grave responsibility with fairness and impartiality and the importance of accuracy and relevancey. However my complaint is with XXXX and Experian.They continuiously violate my federally protected rights, which is causing me real damages ; to the point Im considering Civil Liability for their willful Non-Compliance. 

In XXXX I wrote letters to all three agencies informing them that the information they were reporting was inaccurate and or incomplete and asked them to investigate. ( letters included ) I also filed complaints with the CFPB on XX/XX/XXXX to reinsure my concerns were on record. 
XXXX XXXX XXXX XXXX Experian. Only XXXX complaint was closed and it is obvious they did an actual investigation because most of the inaccurate info was updated or deleted. I was notified by XXXX and Experian that their investigation was complete and that the information was verified and accurate, So I pulled another report just to find, unlike XXXX a lot of the same inaccurate information was still being reported. 
I then sent both agencies Method of Verification letters by certified mail # # XXXX XXXX # XXXX Experian. ( letters inclosed ) Its been over 15 days and I still havent received that information from either agency.Which is a clear violation of 15 USC 1681i enclosed is a copy of my recent credit report which I marked up to show the many different inaccuracies and violations of 15 USC 1681. Is civil action the only way to correct this or do your over-site play a part in getting the request adhered too.
Consumer complaint received 2023-09-12
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-09-12
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. (AL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2300.00}.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America The bank agreed to refund the {$25.00} fee but did not follow through. I called back and was told that there was nothing more that they could do, due to the system. 

This is really not worth the time, but it is WRONG.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Kohls I had only a XXXX credit line I didnt go over that but closed the account. They list in my report I am 195 % credit usage adding their fees above my XXXX limit as usage. Which is incorrect they have that my past due amount is {$580.00}.