davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/15 at XXXX Capital One decided to close my checking account for no reason. As I further discovered that same day, they reversed my credit for a dispute I made that was validated. I would like my money that is in my account transferred to my external account that I have on file that is ending in XXXX with The XXXX XXXX If I wouldve known this was happening, I wouldve transferred funds because at this current time this was the only bank I used for everything and I have medication that I need and a doctors appointment that now I am unable to attend because I do not have access to my funds. 

So please, transfer the funds to my external bank that I have on file so I can handle my medical needs promptly. I will be calling you all as well in the morning for detailed information as to why this has occurred. 
I am also attaching the validated credit I should receive of XXXX because the credit was given back by the merchant.
Consumer complaint received 2021-08-12
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: General Motors Financial Company, Inc. (OH)

My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX XXXX GM Financial - 2 applications on same day! 
XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

XX/XX/XXXX contact lakeview loans for an extension on forbearance due to my hardship from covid not being resolved. Original forbearance dat XX/XX/XXXX to XX/XX/XXXX which is 14 months out of the 18 I am being allotted for from the cares act. 
XX/XX/XXXX Received a call stating my forbearance is ending on XX/XX/XXXX I advised the previous loss mitigation specialist submitted a request for extension. Specialist stated no request received but does see I have 4 more months and she would submit a request. 
XX/XX/XXXX Received another call from loss mitigation stating my forbearance was ending advised I have submitted this request twice already specialist advise they would submit a ticket since they were not able to do this in there system due to an error. 
XX/XX/XXXX Called loss mitigation stated the ticket would be resolved by XX/XX/XXXX and that I should be all set XX/XX/XXXX Called Loss mitigation stated they are behind still working on it and check back in a few days XX/XX/XXXX Called loss mitigation representative stated still in process at this point I have had enough and request for a supervisor. XXXX  supervisor contacted me back XXXX hours later stating I would need to submit financial documentation on my FHA loan. I advised per the CARES act that she may not request for proof of financial hardship. She stated that the companies internal policies are to request for financial proof and that the CARES act does not work anymore. She said only options that I have are for loan modification or to take out a loan for the balance.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

This account was at XXXX XX/XX/2022, I reported the charge was fraud it was {$90.00} they never removed the charge & it accumulated {$200.00} in late fees for a charge I did not make? I explained this to famous footwear my credit line was reduced from {$800.00} to {$100.00}? Made XXXX sense now its at a collection agency for over {$450.00}? My account closed? For fraud, identity theft?
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

My social security number was stolen by my XXXX  they, they have been claiming me on her XXXX XXXX for almost 20 years, recently she opened a XXXX  in my name in XXXX of XXXX and an XXXX loan in XXXX.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2021 XXXX XXXX reported debt owed by me to creditors. I have asked them to send me copies, stop calling my work place, and remove it as there was no judgment awarded by a Judge. I have court papers to proof that the Judge ruled in my favor and dismissed the false allegations. I would like the calls to stop from Transworld at ( XXXX ) XXXX. I also, have initiated a dispute with my XXXX XXXX account. 

Thanks kindly! 
XXXX XXXX
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (AL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (FL)

I was the victim of a scam in 2019, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank account.
Consumer complaint received 2024-03-21
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)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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 by more than seven years. In addition, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2024-02-15
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: Synovus Bank (NC)

Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, am writing to file a formal complaint against the three major credit reporting agencies : XXXX, XXXX, and XXXX. This complaint is in regard to multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), particularly concerning the privacy and accuracy of my credit information.

Violations Include :. Privacy Rights Violation ( 15 U.S.C. 1681, Section 602 ) : All three agencies have mishandled my personal and financial information, compromising my right to privacy as protected under the FCRA.

. Unauthorized Distribution of Information ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : XXXX, XXXX, and XXXX have all furnished information about my account without receiving my explicit written consent, a direct contravention of the FCRA mandates. 

. Incorrect Late Payment Reporting ( 15 U.S.C. 1666b ) : Despite my diligence in making timely payments, the reporting agencies have inaccurately reported late payments on my credit profile, which is misleading and damaging to my credit standing. 

These actions by XXXX, XXXX, and XXXX not only violate specific provisions of the FCRA but also inflict undue harm on my credit reputation and overall financial well-being. 


I expect a prompt and thorough resolution to this matter and request to be kept informed of the progress. 

Thank you for your immediate attention to these serious concerns. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a XXXX  veteran with XXXX XXXX  and I am serving outside the country. Between XXXX till XXXX I was XXXX and I was serving in XXXX and then in XXXX. In XXXX XXXX XXXX my personal information was compromised in the USA and it was used by unknown suspect to open up a fraud credit card account in my name with Capital One bank. Once my service was over in XXXX I came back to home in XXXX and after that I am in and out almost every year for XXXX XXXX XXXX 
Around in XXXX of XXXX I received a letter from Capital One bank which was in my name. After I opened it I was shocked once I saw that Capital One bank is asking me to pay them {$14000.00} for the credit card which I did not open, I never received and I never used. I immediately called to Capital One bank and found out that the account was opened in XXXX. I explained them that I was XXXX for military service between XXXX to XXXX and that I was outside the USA I could not physically receive, activate or use that account. I also verified with them that the card was activated with a telephone number which was never been my number. For XXXX XXXX XXXX of fighting with Capital One bank and asking them to remove the fraud account from their database and from my credit reports with al national credit reporting agencies, I cam to conclusion that Capital One is not doing anything to investigate this fraud matter accordingly. I mailed and faxed to Capital One bank 's fraud department the copy of identity theft police report I filed with local police department, the copy of identity theft report I filed with Federal Trade Commission so that they can do proper investigation and remove the fraud account information from my name, but so far no results. Capital One simply ignores my letters and by reporting this fraud account information in my credit file they simply damage my life, my true credit worthiness which I built for many years and they prevent me of getting any credit from financial institutions do to negatively reporting fraud account that reflects on my credit file.

I am a victim of fraud and this bank 's actions leave me helpless and hopeless. I need CFPB to contact Capital One Bank so that they can stop reporting that fraud account in my credit history and I need them to send a request to XXXX, XXXX, XXXX XXXX to remove it from my credit history.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

on XX/XX/2024 an unlawfully placed unauthorized inquiry was placed on my credit report, resulting in damage to my credit score and reputation. This has made it challenging for me to access credit and provide for my family.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ( XXXX ) Account name : XXXX ( XXXX... ) Account name : XXXX ( XXXX... ) Account name : XXXX XXXX XXXX ( XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (MA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status of these items, i believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: N26 Inc. (IN)

On XX/XX/XXXX, I contacted N26 to alert them my account had been hacked and all transactions from XXXX up to XX/XX/XXXX were fraudulent, including the address change and the ordering of a new debit card. The rep told me that account would immediately be locked down and I would not be able to access it during then investigation and that I will be contacted with an update soon. On XX/XX/XXXX, I sent them an email stating I could still access my account and if I can do so, the hacker could as well. I asked for an update on the dispute and wanted to know why my account wasnt locked down as told. I contacted them again on XX/XX/XXXX, XX/XX/XXXX, and then on XX/XX/XXXX I received an email that my account has been closed. I contacted them again on XX/XX/XXXX and XX/XX/XXXX regarding the account closure, investigation update, and provisional credit. The responded on XXXXwith an affidavit to complete which I returned on XX/XX/XXXX. I have followed up again on XX/XX/XXXX and no response of XX/XX/XXXX
Consumer complaint received 2021-07-30
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)

XXXX XXXX XXXX is reporting a fraudulent account XXXX {$270.00} on my credit files. I have filed a cfpb complaint against XXXX and uploaded the FTC Report # XXXX for their records. Also, attached is my license, utility bill, and ssn card to verify and process my block and delete request of this fraudulent account. There are fraudulent inquiries as well on XXXX  and XXXX  that are list in the FTC report. I have never had any business relationship with XXXX XXXX XXXX or the original creditor.
Consumer complaint received 2021-08-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Atlas Credit Company, Inc. (TX)

The Amount started at {$500.00} in XXXX. They kept getting me to refinance. I was paying them {$100.00} per month up until I lost my job last due to Covid-19 last month. I know I paid them well over a year {$100.00} a month but I could never get finish paying it off. They started calling me and my family members constantly. And today XX/XX/XXXX someone from Atlas Credit showed up at my door. And after I asked her to leave my house she continued to knock on my door. Then started sending me text messages. 
The company name is Atlas Credit Co., Inc. Located at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OR)

Synchrony Bank keeps calling multiple times at various hours and even on the weekends as well as texting and emails, even after I told them I lost my job to crona virus lockdowns, I told them as soon as I come across any money I would finish up my tab with them I cant help we are in pandemic and my job decides to shut us down to help stop the spread of covid since we have a huge surge right now and no beds are available. If I had any money I'd try to make payments but im laid off at the moment till our cases with covid go down. Im already stressed about the pandemic and paying my bills now I got synchrony bank harrasing me on top of it, then they ruined my credit. Closed my account and are charging me late fees and making it worse to get ahead of this curve ball that's out of my hands.
Consumer complaint received 2021-08-11
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Lately Ive noticed that my account would be low and Im charged a fee. Or someone hack into my account take money and Im charged. Ive been having problems with them blocking/locking my card without notifying me. Its a lot
Consumer complaint received 2021-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

There was a phishing attempt made on my Coinbase account about 3 weeks ago, roughly XX/XX/XXXX. I put a temporary hold on my account as coinbase instructs customers. When I tried contacting them to open my account back up they told me to change my password. I followed this instruction and when i tried logging back in, it told me coinbase locked my account. I've tried repeatedly to contact coinbase about the procedure for unlocking my account isn't working and they REFUSE to call me even after I emailed and sent my number to them 3 different times. Any publicly listed company that refuses to respond to consumer complaints and account issues needs to be fined and DE-LISTED. This is literally legalized theft, they have my funds and refuse to give me access to them.
Consumer complaint received 2021-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Someone has taken complete control of my identity. I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report. I have not applied to any of the companies that is on this report and not sure who has my information or how they got it. I have been calling the credit bureaus explaining this but as of today they have not been any help. Please Please Please help me take my life back.
Consumer complaint received 2021-07-30
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: Experian Information Solutions Inc. (OH)

This compAny CFPB has access to my private bank account records and a accounts that don't belong to anything having to do with my rental properties. You have invade my personal banking records.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In researching Capital One 's notifications of late payments, I have made numerous complaints regarding Cap One charging of late payments, thus producing late fees for customers to pay. I've sent a previous billing error letter to no avail. I am attaching another one with the qualifying information of proof of my being late. If they can not answer all of my questions, to prove I was indeed late including grace periods and all, then these payments they've recorded late must be revised to " OK status ''. I am a good paying customer and have a long good standing payment history.
Consumer complaint received 2021-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.