davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NJ)

I am a natural person and the original creditor. On XX/XX/XXXX myself and a co applicant extended our credit to WELLS FARGO DEALER SERVICES to obtain a vehicle for personal use. The Co-applicant and myself used our accepted credit card in this consumer credit transaction where our credit cards gave a security interest in the vehicle which secured all payments. This debt is alleged. I refuse this debt. It has come to our attention that the retail installment sales contract is not backed by the truth in lending act. On XX/XX/XXXX, WELLS FARGO DEALER SERVICES included our {$500.00} down payment in our finance charge, when pursuant to 15 USC 1605, the finance charge should not include charges of a type payable in a comparable cash transaction. Also, myself and the co-applicant are listed as borrowers. The truth in lending act does not define what a borrower is and pursuant to 15 USC 1602 the term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. We are the original creditors because we initiated the transaction extending out credit. The retail installment sales contract also states that we agree to purchase the vehicle on credit. But our cash payments are included in the finance charge. Take further notice that on XX/XX/XXXX our right to rescind ( 15 USC 1635 ) was not explained to us clearly and conspicuously, nor were we given the proper forms to exercise this right. Several of our consumer rights were violated due to fraud and negligence by WELLS FARGO DEALER SERVICES. We have send a cease and desist warning notice to WELLS FARGO DEALER SERVICES through certified post office mail and they received the letter on XX/XX/XXXX. There has been no response from WELLS FARGO DEALER SERVICES acknowledging our notice.
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Several Capital One accounts were opened in my name as a result of data breach including two credit accounts as well as a 360 checking and savings account. The credit accounts include a XXXX XXXX account and a Mastercard account ending in XXXX. I was attempting to rebuild credit at the time these accounts were opened and opted to use them to do so, they were left open in order to improve credit score, as per advice from a Capital One rep at the time. They were later closed out by Capital One and most recently, I requested statement copies for both accounts including entire account history. Requests were made on XX/XX/XXXX, it is now XXXX and nothing received. A Capital One rep by the name of XXXX replied stating they were sent, did not state when. He also mentioned a XXXX XXXX transaction and a flight I was supposedly on.. XXXX XXXX  ceased operations in XXXX, I believe the transaction he refers to was made sometime in XXXX and needless to say, any passenger records would be unavailable as again, the carrier ceased operations shortly thereafter. I believe his information is bogus, however, it is irrelevant as I used account to build credit despite not opening it myself. Capital One has offered credit monitoring services and placed the accounts in dispute. However, they have not offered to remove them and or balances owed on them. I do have an attorney representing me, they may or may not have sent notice to Capital One advising them of such as they represent many clients and have filed a class action. My attorney not sending them any notice does not at all mean I do not have a claim, which I do. I request Capital One sent statements for both accounts, the XXXX XXXX account and Mastercard ending in XXXX
Consumer complaint received 2023-02-03
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. (NJ)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 an alleged fraud or extortion. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, 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. (TN)

There were several unauthorized inquires on my XXXX credit report which I did not authorize or give the contest to. Therefore, I would like these fraudulent inquires to be removed immediately. It is causing harm to my overall credit profile. The following inquiries need to be removed : 1. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2021-09-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX I received a message from Wells Fargo asking about some charges on my account. I followed a link. They called and unfortunately I logged into my account. Supposedly they took off the charges. Shortly I received an email from Wells Fargo stating I had sent 2 wire transfers. I called to report that I had not sent the transfers. My account showed {$14000.00} taken from my Visa signature card and {$12000.00} removed from my savings. The money was wired to another account. The fraud specialist said they would stop the transfer, not to worry. Today, Wells Fargo denied my claim stating that I or someone I authorized had performed the transaction and they would not reimburse my funds
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was applying for a business loan. The Lender retrieved my credit report and told me that I had XXXX outstanding balances which I know I paid off. On my credit report this information is not correct and is affecting my credit score.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00}
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I OPEN MY ACCOINT YEAR XXXX JOINT ACCOUNT WITH FAMILY MEMER XXXX AROUND XX/XX/XXXX OR A LTTLE EARLIER MY ACCOUNT WAS FROZEN AND THEN I WAS TOLD IT WAS GOING TO BE CLOSED! FIIVE MINTUES LATER AFER CALLING TO FIND OUT WHAT WAS GOING NO AFTER I ALERTING USAA BANKING OUR COMPUTER HAD A VIRSE AND HAD BEEN HIGHJACKED. AND PROVSAL CREDIT FROM USSA ON A DISPUT OF {$450.00} AND {$170.00} WTH XXXX XXXX GOT REVERSE LEFT MY ACCOUNT IN NEGATIVE STATUS AFER DOING RESERARCH I CLEARED THE NEGATIVE ACCOUNT AFTER THAT SOME IDENTITY SOMETHING HAPPEN NOT SURE HOWEVER I LEARNED MY ACCOUNT WAS {$1500.00} DOLLARS NEGATIVE XX/XX/XXXX XXXX A PURE MISTAKE OF A DUPLIC EDD UNEMPLOYMENT CHECK BY MISTAKE I STILL HOLD THE CHECK THAT SHOULD HAVE GOTTEN DEPOSIT. BUT DUE TO RACIAL PROFILING AND I BELIEVE I DID NOT RECEIVE THE SAME CURTOIUS A XXXX XXXX PERSON WOULD HAVE THEN I WAS NOT ABLE TO DEPOSIT THE RIGHT CHECK IN TO THE ACCOUNT THEN THIS CASE TURN INTO IDENTITY FRAUD. BUT BEEN WITH THEM FOR 4YRS NOT BEING ABLE TO HAVE ACCESS TO ACCOUNT LEAVES US IN A VULNERABLE SITUATION OF NOT KNOWING WHATS ACTUALLY GOING ON WITH MY ASSESTS AND NOR CAN I PAY NEED NECESSARY BILLS FOR MEANS OF LIVING THANK YOU HIGHY RESPECTABLE VETERAN
Consumer complaint received 2021-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Someone used my information for fraud and obtained different things in my name. Including credit cards that I did not use from XXXX XXXX. I shoes as 2 different Credir cards opened same day from the same company. 
I have no knowledge and it is effect my credit and my life and stopping me from buying things are obtaining credit.

One card in amount of XXXX One card in amount of XXXX Every month this debt collector reports a balance increase on this debt which is effecting me. It has caused a lot of problems in my life.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (FL)

I am trying to apply my {$17.00} rewards to the Barclays Mastercard as cash back. I tried doing it online but it does not give me that option. I opted out of the terms and conditions which should have also prevented my balance from being transferred to Barclays. Opting out resulted in both the new Barclays Mastercard account and my XXXX  VISA card being closed on XX/XX/XXXX which is 3 days before the date I was told my XXXX  VISA account would be closed. I opened a new account with XXXX and would have transferred the balance to my new account. I am sure hundreds of other people are being cheated out of their rewards dollars. I was on hold waiting for customer service from XXXX XXXX today to XXXXXXXX XXXX today before I was disconnected. I called back and have been on hold since XXXX XXXX  I hung up at XXXX and gave up. 

It is a well known fact that Barclays customer service is horrible. The manner in which this business decision was implemented has been an absolute disaster on both the part of XXXX and Barclays. Only XXXX XXXX and XXXX XXXX could have XXXX  it up more. Perhaps a class action suit is in order against both Barclays and XXXX.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one has a previous issue with ne through you unresolved due to deceitful practices ( attached ) This bank is assisting criminally insane law enforcement officers with law enforcement style stalking. This is just a form of victim harassment through third parties. They have my XXXX in their possession and are withholding it and asking ME for identification for a computer verified 5 yr old account. Identification is the current scam of the XXXX XXXX XXXX in law enforcement who were also stalking with the last reports. 

I need all my money and for this bank to stop assisting the mentally ill with fraud and the violent crime of law enforcement style stalking. No investigation goes on for 5 years. Capital one has assisted the criminals and hides the recorded calls and evidence for them. 

I want all the evidence and my XXXX I am on XXXX and have to use it within 30 days for housing or the discrepancy they are causing forces me to lose my benefits for 3 years.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I opened an account in XXXX of 2020 with Capitol One. I received a few checks for rental assistance from XXXX XXXX XXXX I deposited into my account. 
I was trouble receiving my mail ( Post office issues ) and asked XXXX to reissue the checks originally sent to me. When XXXX reissued and mailed the replacement checks, it seems I received the cancelled checks as well as the replacement checks at the same time but I was not aware til I made my deposit. The replaced checks were returned and Capitol One froze my account. 

When I called customer service to see why my account was frozen they had me speak to the XXXX XXXX. I asked them to clarify why they had my account frozen but they refused and told me they couldnt answer any questions. They were very rude to me, and questioning me as if I was a criminal who deposited fake checks. I told them this was XXXX public assistance checks and asked them to please release my account as this was to assist with a hardship I was having. The agent continued to question me, asked me the address of my center, my case worker, what the check was for and asked for a contact number with an agent at the center to verify my case. All govt agencies were shut down because of the Pandemic so at the time the only way to communicate with XXXX was through email and a general number which only rang busy. When I explained this to Capitol One they told me they couldnt help me and they would keep my account frozen and the rude agent hung up on me without ever explaining why my account was frozen. 

I called back to complain with a supervisor who explained to me it was because some of my deposits were returned but once fully cleared funds would be released to me. Its been a year and half, funds were cleared then but my account remains frozen with no explanation why. 

Ive called the bank NUMEROUS times and even told them I was exempt from this act as it was Public Assistance. I received a letter telling me my account was closed around XX/XX/2020. I was advised by someone that once a bank closes an account by law theyre suppose to release funds. The bank never did and my account to date remains frozen and gains a few pennies in interest monthly. 

During my last call to them 2 months ago, the agent told me they would confirm the clearance of funds, why? I dont understand, and mail a check for my balance to me. They never did. They never sent me anything in writing confirming an update or response to my requests. 

Please help. Im desperate and feel taken advantage of.
Consumer complaint received 2021-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WA)

I have been on a FHA backed COVID-19 forebearance since XX/XX/XXXX. It is ending on XX/XX/XXXX and I have been in contact with my loan servicer throughout the pandemic. They knew my situation was that my husband who is on the loan lost his job and suffered with severe mental illness and is instiutionalized and was abusive. He quit claimed the house to me already. 

Today, three days before I am set to take advantage of the CARES act help of either a partial claim or a streamlined refinance, they tell me that he has to sign documents. That is not possible as I have a protection order against him and he is in a center. So, Mr. Cooper is saying that I have to bring my loan current by Thursday or sell my home. Please help!
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION XXXX6g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Discover Bank violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Consumer complaint received 2021-09-27
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: Experian Information Solutions Inc. (MI)

I was a victim of identity theft, i had rightfully disputed this XXXX account in year 2018 in which it was agreed upon and blocked as well as removed in 2018. Today this same account shows up on the credit report again. This is harassment and i am requesting that this account be removed permanently. 

XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-12-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

XX/XX/2019 sent in a request for removal of acct number XXXX us bankruptcy court because credit bureau can't give me proof of verification from local court office ... .the local court office has informed me they do not complete third party requests for verification