davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IA)

XX/XX/XXXX I first called Citi.com as I was not able to logon to my account. During troubleshooting with their agent it was determined it is not a user ID or password issue. using their website I can not access my account. I've tried XXXX PCs, XXXX laptops, accessing from phone via a browser. No luck. On the windows PC I tried using XXXX  and XXXX browsers. No luck. On the XXXX I tried XXXX and XXXX. No luck. I tried via a hotspot, my personal network, and my business network. No luck. 

I was told to wait 2-3 days. I called again on on XX/XX/XXXX or XXXX. No luck. Spent another 50 minutes on the call. Same results - no luck. Was told to try again after the weekend. Tried again, XXXX, No luck. Called again. Was told they would open a trouble ticket - the same thing I was told the previous two times I called.
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters just reported a {$430.00} collection account on my credit report. Prior to the appearance of this account on my report, we did not receive a 30-day notice to dispute, which is required under the Fair Debt Collection Practices Act. We have left messages with this collection agency to find out why they did this, but they have not returned our call.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brennan & Clark, Ltd., LLC (AK)

Brennon & Clark sent two letters stating that I owe XXXX XXXX XXXX {$500.00} for a business named XXXX XXXX XXXX. I have never owned a business nor have I ever had any insurance though XXXX XXXX XXXX.
Consumer complaint received 2019-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

i am attempting to manage and restructure my debt and budgeting and capitalone is refusing third party access to my accounts that i am trying to grant. every other account of mine has provided access - i was directed to file this complaint by my third party planner to hopefully rectify the issue.
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

I made it clear I could only afford a mortgage payment from $ XXXX-XXXX, I am however paying {$2100.00}. Had I known this was the case I would not have purchased the home. I noticed at time of signing and was told it could be fixed after closing however the originating company stated it was so high due to an {$18000.00}. loan the previous owners had taken out on taxes and it would be corrected. After a few weeks I was told the loan was transferred to another company and to deal with them directly regarding the error. I have made tons of phone calls and emails to be told the taxes were not figured out correctly by the originating loan company and that is why I have an extra {$300.00} per month. there is nothing the new company can do about it. This is fraud! I would have never agreed to this. The originating company did not respond to my complaint from day one they just wanted me to sign up for a loan so they can get paid even if I couldn't afford it. I am very stressed and have an extreme hardship coming up with the monthly payment. Do not believe when they state they will " fix '' the documents after closing. You are stuck with whatever you signed for.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

Hi there, I have received the letter with saying that Chase has refused to reopen my credit card accounts for following two reasons : ( 1 ) Too many accounts opened recently ( 2 ) Balances on accounts are too high compared to credit limits I'm writing to explain the reasons and misleading information you got from XXXX. And I ask Chase to reopen all my accounts ( 1 ) I have only open five credit cards in the past one and half years. Only recently I opened three credit cards due to the good opening bonus for those cards. Please see the attached file 1 for details.

( 2 ) I have paid off all my credit cards balance including all the chase credit cards so the balances usage should be below 3 %. The misleading information Chase got from XXXX  is based on the report from XX/XX/XXXX which is not updated so far. Please see the attached file 2 for details. Chase should read the updated information on the report from XX/XX/XXXX.

I'm using Chase accounts ( checking, saving, and investing ) and credit cards for more than four years. I spend more than 100K every year using Chase credit cards and never miss any payments.

I'm asking to reopen my credit cards since it has already made so much inconvenience and wasted my lots of time. 

Best, XXXX
Consumer complaint received 2019-12-27
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: LEADER ONE FINANCIAL CORPORATION (TX)

RE : Unauthorized hard inquiry on credit bureau reports. 

On Saturday, XX/XX/2019, I was notified by my credit monitoring services that a new hard inquiry had been recorded on my credit bureau reports. Upon investigating the report, I found that XXXX XXXX XXXX, in XXXX XXXX, Idaho, had performed the inquiry. 

On Monday, XX/XX/2019, I contacted XXXX XXXX XXXX  regarding the inquiry. I learned that the inquiry had been ordered by XXXX XXXX, with Leader One Financial, XXXX XXXX Loop XXXX, XXXX XXXX, XXXX XXXX, Texas, XXXX ( the offices of XXXX XXXX dba Leader One Financial ). I was very concerned over this matter as I had never done business with that company, nor had I applied for any lines of credit recently. 

I called Leader One Financial and spoke with XXXX '' who informed me their company was in the process of refinancing my ex-wife 's residence, for which the loan was still solely in my name. XXXX said that XXXX XXXX was handling the mortgage application and that they had, in fact, pulled my credit. XXXX claimed that the inquiry should've only been a " soft inquiry '' as it would have been for a mortgage history file. I pointed out to XXXX that, regardless of the type of inquiry it was, Leader One Financial was neither my lender, nor my refinancing company, and that I had not authorized or  consented to have anyone pull my credit. I also told her that the inquiry had been recorded as a hard inquiry on all 3 credit bureau agencies and that I wanted the unauthorized inquiry removed. XXXX told me the quickest way to resolve it was to dispute the hard inquiry with each individual credit reporting bureau. I asked if Leader One Financial could simply issue a letter of removal/deletion to have it taken off my report. Again, I was instructed to file a dispute with the credit report agencies and was also told that the on-line systems of the agencies would let me dispute the hard inquiry. 

Following her instructions, I started with XXXX  's online site, created an account, and initiated the process of launching a dispute. Halfway through the process, I found that I could not dispute hard inquiries online. 

I then contacted XXXX XXXX XXXX  again, where I explained my dilemma to XXXX XXXX. XXXX was most courteous and agreed to help me with my situation. Since that time, XXXX was able to correct the fraudulent transaction that was performed by XXXX XXXX and Leader One Financial. 

I have never done business with XXXX XXXX or Leader One Financial and I have never given him/them my consent for my credit report to be pulled. His/their actions were not only a violation of the rules/laws, but also unethical.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I paid off the balance on my Capitol One Credit Card, like I do every month, only this month, my access to my credit line was disrupted. I contacted Capitol One and they told me they placed a 7 day hold on the account to allow sufficient time for the payment to clear. I asked them why I was able to access my credit line for 2 days after posting payment and they couldn't or wouldn't tell me. I contacted my bank and they gave me the exact date and time that Capitol One received my payment and even provided me with a trace number. The supervisor at Capitol One claimed they could not use the trace number my bank provided, they could not access my Credit Card account to see the posted payment, and could not tell me exactly why, after 6 months with no issues my account was placed on a 7 day hold. The only way to get access to my Line of Credit prior to the 7 day hold is for me to call them and stay and on the line while they call my bank to get verbal verification from them that they ( Capitol One XXXX received the money. I have NEVER encountered this problem with my XXXX XXXX. So my question/complaint is this : Is what Capitol One is doing a XXXX legal, b XXXX ethical ( I'm thinking a hard NO on this one ), and c ) Is there any way to prevent this from occurring again in the future?
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have no knowledge of this card. I never applied for it. The report says I applied for it in XXXX and around that time I had applied for mortgages around that time and some of the companies ran my information outside of my the ten day window. Therefore the inquiry didnt stand out to me back then. I got wind of this when the harassing phone calls and then it reported to my credit in XXXX. This is very discouraging because Ive tried to talk to them and they just keep saying they have my information so its me.
Consumer complaint received 2019-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I used the app XXXX, looking for a new XXXX. I found an XXXX XXXX XXXX for XXXX dollars which is relatively cheap and messaged the seller. His/Her name was XXXX XXXX, they informed me that they could ship the item out which seemed like a good idea at the time but turned out not to be. They told me I could use Zelle which is a money transfer app that I thought had buyer protection but it turns out it didn't. I sent XXXX dollars through zelle and they even faked a shipping label. Zelle will not return me my money and although it is not a huge loss, I would like to stop him/her from scamming others. I have already reported this through the app and no action has been taken.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I applied and got approved for BOA Travel Rewards credit card back in last XXXX upon the representative 's recommendation and he assisted me in branch for that process. I was told that I will get the bonus credit ( XXXX points ) for the Travel Rewards Card which mentioned will be added within few weeks after my required spending is sufficed. 

After few months later, I noticed that I still have not received the bonus points and reached out to the same rep ( XXXX XXXX in XXXX ) but the only answer I got was he is no longer at the branch. 

Then I also contacted customer service but they only told me that they will review the case and will let you know by mail. And the letter that I got was saying that I won't be rewarded with those credits since I was not under promotion. 

I am quite upset and frustrated about this event and feel like I got scammed by the representative / BOA. 

Complaints were completely ignored by BankofAmerica after many, many attempts - calls, emails - over the span of 12+ months. 

I hope CFPB can help resolving this issue, thank you.
Consumer complaint received 2019-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Oklahoma Student Loan Authority (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-23
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. (OK)

in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-27
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-27
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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my  payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-27
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-11-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my fourth 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 an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX 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 2021-11-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I found out that Kohls/Cap One added a collection account on my credit reports. I reach out to them letting them know this account was opened fraudulently & it doesnt belong to me. The representative advise I can settle with and they will than remove it from my credit report. I advise them that it was not my debt and they never sent me the proof in writing as I requested. I contacted XXXX, XXXX XXXX XXXX advising them that this account was fraudulent. They removed the account only for it to updated as verified. I reach out to the credit bureau and advise to them I never received any of the information on my request from Kohls/Cap One for proof verifying this accords opened by me. Im filing this report because I dont know what to do in order to have this collection account removed from my credit profiles that is impacting my credit.
Consumer complaint received 2019-12-27
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. (FL)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2020-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good afternoon, it was brought to my attention that there are several accounts on my credit report which are not recognized by me as mine. They are listed as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, none of which I have ever done business with. I have never applied or used they're services. These accounts are fraud and someone out there is using my identity to get credit. Please help!