davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXXXXXX XXXX XXXX XXXX and Capital One N.A. It seems Capital One has taken over XXXXXXXX XXXX XXXX XXXX as recent statements sent by collection company are under Capital One and they have been contacting me about a debt since XXXX. They put the supposed debts in collection in XXXX with XXXX XXXX XXXXXXXX and they are now transferred to XXXX XXXX XXXX when I lived in CA.. 
They contacted me and I told them in writing and that it is not my debt, that my identity was stolen and asked them to stop contacting me. They refused and continued to contact me and making threats that I would be sued. 
XXXX XXXX XXXX kept contacting me. They sent me " Proof '' that the account was mine, by sending me a statement with my name and an address I have not lived at for several years. This is not " proof ''. I have asked for something with my signature, but they have refused to send it. 
This is not my debt and I refuse to pay it. 
This has been on my credit report since XXXX and as of XX/XX/XXXX it says it will be on there till XXXX.They seem to be changing the collection services to start the 7 year date all over. I have never acknowledged this debt as it is not mine. I have written to both collection agencies and XXXX and Capital One, stating not to contact me and the debt is not mine. They still continue to contact me and make threats. 
I have also contacted the 3 credit reporting agencies in an attempt to remove these accounts several times over the years, but to no avail.
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Caliber Home Loans, Inc. (NY)

Caliber Home Loans holds the mortgage on my property. I am currently over 6 months behind and my house is in foreclosure. Caliber Home Loans is using a call screener to repeatedly dial my on an automated recorded call. The call comes in from multiple numbers and comes in multiple times a day. most often the call comes around lunch or around dinner.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Dear Sir or Madam, I have requested information from Equifax concerning an erroneous public record on my credit file. I have submitted a request for information that has not been provided within the required 30 day timeline they are allowed by law. 

I have supplied a copy of the letter sent to them and am very frustrated I've not heard back.
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

I was looking at my credit report and I found that there was an account opened on XXXX XXXX in the amount of {$650.00}. That is not possible, I had a XXXX XXXX on XXXX XXXX. I wasn't physically or mentally able to be that. I have medical records as proof.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CA)

Context : I am a resident permanent from XXXX thanks to my dad, after that, I was living in XXXX and was coming back to the XXXX at least XXXX times per year all this during these 13 years because I was preparing myself to work as a Software Engineer because this is my career and love it. 

On XX/XX/XXXX of XXXX, I decided to arrive to XXXX because I am very close to obtaining the job of my dreams ( As a Software Engineer ). I got my Driver License, I created a Bank Account, and I started trying to get a credit card but all institutions which I tried was refusing my requests thanks that I decided to talk with my sister about it and she suggested to me that I created an account with XXXX to check my credit historical ( Until that moment I didn't know about that ), thanks to that I discovered a lot of cards with a lot of debt on the dashboard of mentioned application obviously I never request these cards ( Only a XXXX XXXX card was requested by me ) for that reason I am here reporting this crime in my name. 

I suspect my dad because he was access to my personal information, and the addresses used on the reported credit cards are addresses where he was living. 

I certify the representations made are true, correct, and contain no material omissions of fact.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I recently reviewed a copy of my credit report on XX/XX/XXXX and XX/XX/XXXX noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
Consumer complaint received 2019-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I responded to a XXXX ad for tickets to a XXXX XXXX/XXXX Game. I called the telephone number listed in the ad : XXXX-XXXX-XXXX. The seller identified himself as XXXX XXXX, a resident of XXXX XXXX, NV. The seller claimed he had tickets to sell, and I agreed to purchase them. The seller directed me to send a payment through XXXX, which was a money transfer service backed & promoted by my financial institution - Bank of America. 

I sent the funds, and the seller disconnected the call and did not send any tickets. The seller " stole '' {$400.00}. 

I contacted Bank of America immediately after this happened and was told they were unable to help until the transaction posted. 

The following day, XX/XX/2019, the transaction posted and I called Bank of America again to report fraud/file a claim. Bank of America indicated that while they could see the recipient was a XXXX XXXX account holder, and that XXXX XXXX  knew the individual 's identity, and that there was a digital footprint for the transaction - there was no way to reverse or cancel the transaction, and that funds would only be returned to me if the recipient ( a fraudulent scammer ) agreed to return the funds. 

The seller claims he is " XXXX XXXX '', and has a XXXX account linked to a XXXX  XXXX account using phone number ( XXXX ) XXXX-XXXX. His identity is known by XXXX and XXXX XXXX. I have documentation proving he stole {$400.00} through a XXXX scam. 

It is unacceptable that given this information, and the known identities of both parties ( myself, the victim, and the account holder at XXXX XXXX - a person who committed a crime & stole money ), that a fraud claim & refund can not be processed. 

Bank of America, XXXX XXXX  and XXXX are therefore complicit in facilitating criminal activity, and are not protecting the consumer. 

XXXX is a high risk, zero protection wire transfer service that Bank of America promotes, but does not back. The risks associated with this service are NOT boldly highlighted - on the contrary - it's advertised to the consumer as a simple, easy way to send money. This is extremely misleading to consumers, and must be stopped.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

This is my reply to your letter dated XXXX. 
You stated I was provided a copy of the " XXXX PRIVACY Policy " XXXX. 

What I did not receive was disclosure forms which by XXXX you are required to have on file bearing my signature giving you permission to transport my non public personal information. 

I am sure you can not provide the signed disclosure forms which is why you have FAILED to mention them or you simply are not informed as you should've. 

Your company should know or should have known this. 
I hope I am communicating with the employee assigned to handle Zales Privacy Issues. 


Are you up to par with firms responsibility to having assigned an employee that is familiar with the SAFEGUARDS RULES which is a RULE the LAW recently made a requirement for dealing with companies like XXXX Privacy Issues? 

Please provide signed Disclosures bearing my signature which would prove I was afforded the right to OPT in or Out of credit reporting in accordance with LAW. Please believe, I do not have a problem with your explaining to XXXX superiors why XXXX is spending {$300.00} to {$500.00} an XXXX to represent them in this matter because they can not provide signed XXXX forms bearing my signature giving my consent to report this information to the credit reporting agencies which would also cover the NOTICE requirement simultaneously. 

Remove this alleged account from all credit reporting agencies.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (FL)

I recently reviewed a copy of my credit report on XX/XX/2020 noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have XXXX child support accounts on my credit report. 

I do not owe child support and never have i have always paid directly through my employer. 

one of my accounts is for my child who turned XXXX in 2020 and the child support case was closed. it is reporting as a charge off. 

there are no amounts or balances on these accounts and it reports as XXXX which is untrue they do not report the monthly payments I make that are not in default. 
I have disputed with the bureaus, and they say the information is accurate when it is not.
Consumer complaint received 2021-10-04
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: CITIBANK, N.A. (DC)

I opened a Citi Prestige credit card in 2015 because of the attractive travel benefits like airline access for American Airlines clubs and the fourth night hotel " free '' feature. Since 2015, Citi has revised the benefits numerous times- each time sending me a letter in the mail or prominent email announcing the change. That is their right to change program terms and I may cancel at any time. However, the latest change to the program occurred XX/XX/XXXX of this year and caused me to have to rebook an entire trip to XX/XX/XXXX. Simply, the problem is this : I needed to use the free fourth night to afford a hotel that I had identified and spoke to about availability. They were " holding '' a room for me so the credit card company could call and guarantee payment and secure eligibility for the fourth free night. 

Apparently, on XX/XX/XXXX of this year the fourth night hotel benefit was changed for the third time since I opened the card. I learned this only because I called to ask them to call the hotel to secure the room and they informed me that due to the program changes, they would not be able to honor the benefit. The changes were this : only hotels featured " in their inventory on the rewards website were eligible for the fourth night benefit. '' I received no notice - email or letter- as usual. The changes took effect XX/XX/XXXX ( the day I called to book the hotel ). The hotel I contacted ( the only affordable option in town ) did not appear " in their inventory ''. The only options were over {$1000.00} per night - not an option for me. 

Numerous calls to appeal to Citi were unsuccessful, being transferred around to at least 10 different people over the course of 5 calls and 3 hours and I was disconnected twice. No one would adjust the program to accommodate and finally a supervisor informed me of the program change and said that they weren't responsible for mailing out notice, and I would have to call Citi and talk to them. Needless to say, no one could help me, and I still have yet to see any official notice of changes to the program. This is unacceptable and they should be held to a minimum time of notice before making such bold changes to a very popular program ( just see social media and press accounts of their trimming benefits ).
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX business credit card with XXXX XXXX is reporting incorrectly to my personal consumer report. XXXX XXXX reduce the credit limit to account balance and my score is affected because of this.
Consumer complaint received 2021-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (FL)

Repayment plan Show Deferral or partial claim Show Modification Show Show I have offered all these options to help get back on track for my forbearance due to Covid and they keep telling me they want the full payment. Its always been a struggle to deal with this company. I even had to file bankruptcy which thank God I finish it last month in XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

After being rescheduled for unknown reasons, my settlement was on Friday XX/XX/XXXX at XXXX XXXX eastern time. My only disclosure was sent to me on XX/XX/XXXX. I signed all the paperwork for the settlement but was not given a copy prior or after the settlement of the updated Closing Disclosure which has changed from cash back of {$46000.00} to {$43000.00}. So I was expecting cash back of {$43000.00} but only received a deposit of {$41000.00}. 

On Saturday, XXXX I spoke with a manager XXXX XXXX. He tried to tell me that the difference was because I had delinquent taxes, which is untrue, I have no delinquent taxes due. I do have taxes due on XXXX so he told me that that was the difference they paid my taxes in advance. He could not explain why I only got cash back in the amount of {$41000.00} since my Closing Disclosure stated I would be getting {$43000.00} cash back. 
Today, XXXX I receive an updated closing disclosure stating that they paid 2 quarters of my taxes upfront and the new cash back amount was {$41000.00}. No one ever called me back to explain. I feel that I should have been told that they would be taking 6 months of taxes out upfront and not after the settlement. How is it legal for them to change the Closing Disclosure so many days after the settlment?
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

I have never applied for credit with XXXXXXXX XXXX. I was in middle school in 2016. I would never qualify for credit. I do not have any or applied for any credit at my age. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AR)

On XX/XX/XXXX, I received an email from what was supposed to be Coinbase stating that my account was disabled and that I needed to verify my identity. Once I clicked the link and verified my identity, I proceeded back the app to see that all of my funds in the account were gone. Approximately {$2000.00} was cleared from my coinbase/coinbase pro account. 
I called to speak with a customer service representative on XX/XX/XXXX, and which they stated they were not responsible and could not get my funds back. As if they weren't going to even investigate it.
Consumer complaint received 2021-03-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/2021 I mailed dispute letters to XXXX and Transunion to remove accounts listed below for inaccurate information its been more than 30 days and that violates my fair credit rights. especially section 609. can you please make them delete these items from my report for violating my rights and reporting inaccurate Information. 


XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TRUIST FINANCIAL CORPORATION (TX)

In XXXX of XXXX Truist Bank sent a Release of Lean letter along with a free and clear title on a vehicle that we had direct withdrawal payments on. Then in XXXX Truist Bank sent a loan payment letter stating that I have XXXX in outstanding loans with them. During the investigation Truist Bank said that the payments were for a XXXX vehicle that was traded in back in XXXX. Once we advised Truist that the vehicle make/model in their records was for a vehicle that we traded in back in XXXX they then found/updated the vehicle on record to be the XXXX make/model that we have traded in as well as of XX/XX/XXXX after receiving the Telease of Lean letter and free and clear title back in XX/XX/XXXX. Then in XXXX of XXXX Truist Bank sent us additional paperwork stating one again that the loan for the vehicle had been paid off. Now 8 months later Truist Bank is coming at me with a request to pay for a vehicle that I no longer own. I tried to work it out with Truist Bank and even offered to split the difference that they say is owed. Every attempt to ( work ) something out came with the same response, we appreciate the effort on your side but we want every last penny or we will negatively report to the credit bureau. After having the title in hand for 7 months and multiple letters from Truist Bank stating that the vehicle was paid in full we traded the vehicle and entered into a new loan agreement on another vehicle. It is my opinion that Ive tried to bend here and bend there to rectify THEIR mistake but Truist Bank is not bending at all.
Consumer complaint received 2019-04-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (MI)

Upon closing on my property at XXXX XXXX XXXX, XXXX XXXX MI XXXX, I was issued a check for {$4400.00} to be paid to XXXX XXXX. This check was never cashed by XXXX and first American says the check cleared. XXXX never cashed this check and I need the money to be returned to me immediately.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Good afternoon, my name is XXXX XXXX, I have been receiving letters and calls from creditors trying to collect several accounts that are in my name but that I was not aware of, I have not asked for credit cards I have only one credit card from the that I am responsible with XXXX XXXX XXXX. Please can you help me verify those accounts that are not mine. thank you I mention them below -XXXX XXXX XXXX XXXX. XXXX  XXXX -XXXX XXXX {$2300.00} account ending XXXX -XXXX XXXX  {$26000.00} -XXXX {$850.00} - Capital one bank usa n balance XXXX