davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello - On Tuesday XX/XX/XXXX I was mugged  and I was robbed of my handbag. All of my important information was in my handbag including : credit cards, Driver 's License, debit cards and other various information documents. 

I went to Capital One to replace my credit card ending in XXXX on or about XXXX.As there may be other anticipated charges coming through my old card number I need to replace it with the new number. To anticipate any charges from vendors I wanted my new card number and expiration date IN Full from Capital One before the card arrives in the mail ( XX/XX/22 ) so they have a card that can pay what I may owe.

I called Capital One on XX/XX/22 to get my full card info so I could anticipate any charges and replace the old card number. I was shown a process on the website where I should be able to get the card information in full as it does not appear on my bank statements. 
I navigated to " XXXX XXXX XXXX as instructed and I was told there would be a link to be able to view the details of my new card info. There was not such a link. I was told I would be sent access to this info in an email confirming the new card that was ordered. 
There has been no such email. Today XX/XX/22, I called to ask about that email and was told " because we are serious about protecting your security '' they can not provide my new card information to me by email, phone etc and that I would have to wait for the card itself. I asked to speak to a manger. I expressed to the manager that I need my new card details which is information that belongs to me and that the former navigation to the area that should have given me a link to my card details, did not have that link. I had been told that " some '' customers would get that link to their new card info and I asked her why can't I have what is mine also? 
She tried to say it was for security purposes again and I reiterated my point - that my account was not deemed adequate or privileged enough to let me have access to MY new card information and that on some level I was being discriminated against. She said they follow fair credit guidelines about that criteria and that it was an internal matter. I asked what the criteria was? Did it have to do with a different or more expensive card? She said she could not share that information with me and that I would have to wait for my card to arrive in the mail. She did not care that I exclaimed that this was not fair treatment and that Capital One would certainly lose my business over this - as they are holding from me what belongs to me. She resigned that this was fine and that she can not help me.
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (NY)

A XXXX XXXX profile requested I open up a Chase account. Two counterfeit checks were submitted to that account with his and by his contacts. If money had been he would use large sums of money for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. This XXXX XXXX XXXX has my social security number, ID, address, work information about me. Two counterfeit fraud checks by him with his contacts caused me a blockage with not one but each time I asked him to stop he would insist with his status that all was perfectly normal and when the checks did not go well that he was going to somehow sort the situation. I asked if you know your supposed contact are fraud and causing problems then why not stop asking me to open up accounts and instead contact authorities for help. Nothing from this XXXX XXXX nothing to what he caused me with banks. Those counterfeit checks that was deposited into Chase were the result of this profile XXXX XXXX XXXX there is no way with my XXXX XXXX pay or social security money I would be capable of having those amounts or fraud checks. Chase I had more than one account. The XXXX, the XXXX etc the last one that was closed because of the XXXX etc resulted because of this XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MA)

Discover Card fraudulently and irresponsibly issued to someone else a Discover Card in my name without using any due diligence whatsoever. 
This happened XXXX. The card was used for over {$10000.00}. 
Discover also allowed this with an incorrect address ... .I never lived in Florida XXXX 
My credit score for the last 30 or 40 years has always been over XXXX. 
XXXX has me listed with many many exceptional payment histories. Tried to get an XXXX credit card about a month ago but was denied because Discover Credit Card has dragged my score down to XXXX from over XXXX.that 's their fault not mine. 
Filed a complaint with XXXX but so far no results.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was taken in by a XXXX XXXX  pretending to be a XXXX  who would help me XXXX  to the XXXX. They are listed on the uk.gov website as a scam, and when I found this out I attempted to contact Bank of America but they wrote back and said that the money was legit.
Consumer complaint received 2023-01-22
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. (IN)

On XX/XX/2023, there was written correspondence ( Commercial Affidavit ) sent to the XXXX XXXX XXXX Equifax, XXXX. I explained very thoroughly about the information within the Consumer Credit File was incorrect and needed to be removed IMMEDIATELY, as it was causing major harm to a Federally Protected Consumer. It is denying me the RIGHTS that are granted to me to secure what is needed for family, personal and household purposes. I also included the account information that I wanted to be removed because the information was wrong and the third party debt collector had no verification or validation that the alleged debt was owed but Equifax XXXX XXXX decided to furnish the information anyways without any prior written consent and pursuant to15 U.S. Code 1681b - Permissible purposes of consumer reports they are in direct violation. I gave notice of my fee schedule for Equifax, XXXX being willfully noncompliant by furnishing consumer credit files that are misleading and false. I have attached the letter that was mailed and also an invoice.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

ON XX/XX/2024 I SUBMITTED MULTIPLE COMPLAINTS ON XXXX, XXXX AND EQUIFAX THROUGH THE CFPB WEBSITE, I ALSO MAILED THE SAME LETTERS VIA USPS. 

AFTER MANY MONTHS OF DISPUTE LETTERS AND COMMUNICATIONS WITH XXXX, I AM APPALLED THEY SENT MULTIPLE EMAILS TO ME STARTING ON XXXX XXXX WHICH ALL CONTAINED THE BELOW FIRST FEW PARAGRAPHS. 

FROM XXXX ; [ [ [ XXXX XXXX XXXX, To view your rights, visit XXXX  and XXXX 

We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. ] ] ] I RECEIVED ONE EMAIL ON XX/XX/2024 AND ANOTHER ON XX/XX/2024 THEN FINALLY ANOTHER ON XX/XX/2024. 

ATTACHED IS THE LETTERS THAT I SENT VIA USPS ALONG WITH THE LETTERS SENT ON THE CFPB COMPLAINT. 

MY COMPLAINT ; [ [ [ I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ] ] ] I HAVE INCLUDED A COPY OF MY IDENTIFICATION CARD, SOCIAL SECURITY CARD, AND TWO SEPARATE LETTERS WITH MY ADDRESS FOR VERIFICATION. 

SINCE THIS IS MY SECOND TIME SENDING THESE AND A COMPLAINT, WITH MY WORDS HERE AND SHOWING THE CONTENTS OF THE EMAIL RECEIVED FROM THE CREDIT BUREAU, THERE SHOULD BE NO WAY THAT THIS REQUEST WAS MADE IN ERROR! IT IS ALSO NOT BASED ON A MATERIAL MISREPRESENTATION OR THAT I KNOWINGLY OBTAINED OR SHOULD HAVE KNOWN ANYTHING REGARDING THE TRANSACTIONS THAT I AM SEEKING TO BLOCK. 
THIS EMAIL IS KNOWN AS A STALL TACTIC BY THE GENERAL PUBLIC AS A SHADY PRACTICE FOLLOWED BY THE CREDIT BUREAUS.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

First, I had to pay {$50.00} several years ago for an account that I didn't open. 
Second, I deposit my paycheck and they put a hold for 12 days on for no reason because when I contacted the bank that which it came from that had told me that it was cashed the day it was deposited. And I'm still waiting for it to clear. This is the second time it happened and it's all been lies. They hold my checks and blame the other bank that which it came from.
Consumer complaint received 2023-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

We received an {$800.00} check for wrongful foreclosure during the government order but never received the compensation that was court order in the lawsuit. Wells Fargo denied loan modification and independent adjusted said we did under class action lawsuit we still have the paperwork we got with check. Wells Fargo decided not to honor settlement saying they thought they were right
Consumer complaint received 2019-12-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc. (CA)

Amerassist AR Solutions is collecting for a medical unknown medical debt in the amount of {$180.00}. They have not provided any legal documentation to prove that I owe this debt such as a legal contract bearing my signature, a copy of my ID, a calculation of the debt and who it was calculated by. They have reported this to the credit bureaus and have no gotten a response in over 45 days.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

DISCOVER has violated the terms of our contract by refusing payment to my account in the form of negotiable instrument and has closed the account without my knowledge or consent and reported the account as delinquent to all three credit reporting agencies. 

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. 

DISCOVER ( Card # 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 an 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. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

My name is XXXX XXXX and my contact number is XXXXOn XX/XX/XXXX, I went inside regions bank on XXXX and deposited a check in the amount of XXXX XXXX and {$500.00} cash which is a down payment for a house I am trying to buy. A few days later after depositing the check, I received an email that the check will be on hold until the XXXX of XXXX, XXXX. On XX/XX/XXXX I attempted to pay for something using my debit card and it was declined. I attempted to log into my acct and my access was blocked. I contacted customer service and was told that I have to go to my local branch to unlock my acct because it has been locked for possible fraud. I went to your branch on XXXX, XX/XX/XXXX and a ticket was submitted to unlock the account for me and after several misinformations by XXXX XXXX, I was told by the bank manager that the check will be on hold for up to 90 days for possible fraud. I have provided all the information you and XXXX asked of me to show proof of where the check came from and Ive showed bank statements from my husbands business account including copies of both front and back of the cashed check and still my acct is on hold. My house will be ready next month XXXX, XXXX and as of right now, the bank is holding my money hostage despite the fact that I provided all the documents they requested.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

For over a year, I have been disputing these items on my credit reports. None of the creditors have supplied legal documentation such as a contract bearing my signature, my ID, calculations on the debt and who it was furnished by. These items are affecting my quality of life. I need direct resolution ... 

XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$240.00}
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion and XXXX have lowered my credit score for no reason, AND ITS ERRORS, I have my credit card since XX/XX/2017 and have never missed a payment, and account always said ''good standing '', my score was a XXXX in XX/XX/2017 and went down to a XXXX, it should have gone up, so whats the problem i ask, why did they lower my score, since then i closed the account over 2 weeks ago and its showing a XXXX balance IS TOTALLY WRONG, THAT WAS A SECURED CREDIT CARD [ my money ], AND THE BANK SENT ME A CHECK FOR XXXX CENTS AND CLOSED THE ACCOUNT UPON MY REQUEST, NOW I WANT MY CREDIT SCORE RESTORED TO WHERE IT WAS BEFORE, this is total XXXX with major fraud, see pics of proof,
Consumer complaint received 2021-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Validate it or prove it. The bankruptcy court doesn't disclose information with the Bureaus and these bankruptcies don't show in XXXX system. I included a letter from the bankruptcy court saying they don't disclose information with the Bureaus and I also included documentation from XXXX saying these Bankruptcies aren't reporting in their system.
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I started the XXXX XXXX in XXXX. I have been consistently current on my mortgage payments. On XXXX, I should have received a {$5000.00} principle reduction in XXXX after completing 60 months of on-time payments. 

My Escrow Review in XXXX state there was a underage of {$22.00}. Between XXXX and XXXX, my property tax was reduced by about {$240.00}. My Home owners insurance increased by only {$3.00}. 

Select Portfolio is now claiming I have a underage of {$680.00}. This is impossible and I now totally question what is being done.
Consumer complaint received 2019-12-18
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)

For over a year, I have been disputing these items on my credit reports. None of the creditors have supplied legal documentation such as a contract bearing my signature, my ID, calculations on the debt and who it was furnished by. These items are affecting my quality of life. I need direct resolution ... 

XXXX  XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$240.00}
Consumer complaint received 2024-03-19
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 :
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Wheels of Chicago, Inc. (IL)

I purchased a XXXX XXXX XXXX in late XX/XX/XXXX. I went totally confident and left very pleased with this vehicle. 3 weeks after I had the car it rained and my car got flooded. I called service and the lady told me that it was normal because the vehicle has a sunroof. She told me to bring it in and she would have it drained. A few days later the panel indicated that my tires ' pressure was low. In a time frame of 3 weeks, I had to get 3 new tires. I purchased the 3 tires hoping that it was just bad luck that I got 3 defective tires. On XX/XX/XXXX the car started shaking on drive when I came to a total stop. I called service and they gave me an appointment for Thursday XX/XX/XXXX. I took the car in on XX/XX/XXXX. Service called me and told me that 3 mounts had to be replaced. They gave me an estimate of {$870.00} and told me that it would solve the problem She told me to call Chicago Acceptance so that they can help me finance so that I can get it fixed. I went to pick up the car on XX/XX/XXXX ( 7 days later ), and the girl from service told me that the car wasn't shaking as much as before and that it was only shaking when it was on drive. I told her that this was the reason why I brought it in the first place. She told me that it might be that it needed to have the oil drained and that would be an extra {$1000.00}. She told me that the car wasn't sending a code so they weren't sure why it was still trembling. She told me that if it doesn't stop then I should take it to a place where they fix transmissions. XX/XX/XXXX, my car is trembling violently and the check engine light on the panel is on and a wrench indicated that the car needs service. The car stopped working completely. I got the car towed to Wheels of Chicago and the owner told me that I need to pay {$5700.00} to get my transmission fixed when he told me that the vehicle came with a transmission defect and that it had a recall. He stated that he would take it to get it fixed because he had to take his XXXX XXXX for the same reason. I told him that I couldn't do that amount he gave me a 25 % off making it sound like a great option for me to provide upfront {$1100.00} or they will put my car in storage and I still have to make payments. I never once missed a payment on that car. I was paying {$600.00} + {$240.00} for insurance a month for a car that has been giving me problems since day 1.
Consumer complaint received 2019-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

We had problems with an upstairs neighbor in an apartment complex in XXXX, CA
who was an undesirable XXXX XXXX and stayed up all night with visitors.  We tried to communicate with management and were assured he was an upstanding tenant.  We knew otherwise, felt unsafe, and as older tenants, needed to move.  Management said we could not.  Met with 2 separate lawyers who said, MOVE.  We moved out after giving notice, and did not receive our security deposit nor pet deposit back.  They took us to collection.  We are not responsible for living in a unit where we were unsafe.  Continue to get notices in the mail phone calls from TransWorld Collections, XXXX and the
alleged debt was put on our credit files.  Filed disputes with all credit reporting agencies.
My husband is XXXX XXXX and I would like this to stop, and sue the companies that continually harass us.  PLEASE HELP!
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (VA)

Brought a used truck {$35000.00} and then was paying on it it was more then 50 % paid off then repossessed and sold it and still charging me for it. Now its on my credit for delinquent payments
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

In early XXXX I requested that this company provide verification from the court and removal of bankruptcy accounts from my report. The company has inaccurate information on my report still not provided any information from this request. According to them they are still investigating.