davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

My bank at Capital One 360 must have been hacked. I have charges from " XXXX XXXXXXXX XXXX '' I did not sign up or give permission to take from my account. My bank disputes the charges and then the next day The same site is charging my Banking account. So then after 3 days of fighting this I asked for my account to just be closed. They said they can't until the pending charges go through. I know it's not their fault but this site is going to keep charging my account and there is going to keep being a pending charge. It's also effecting other accounts that has used my debit card.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation (SC)

I was told by a representative at BridgeCrest, that if I made a payment to make the account current .that they would remove the late fees for XXXX & XXXX, I have made several attempts and nothing has ben done, I would like this to be remove off of my credit report.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (WA)

My account is in good standing for 14 years! 
Ally bank has blocked all access to my checking account. 
Ally bank has changed the customer service phone format to asking for games to be played e.g.questions.etc.before connecting to customer service people. 
Also, the same problem when trying to chat or e-mail. 
I did connect to a person by the nane of '' XXXX '' on XXXX. This person was extremely rude and said I had the wrong department. 
Ally bank has made it impossible to get any information regarding my account!
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This is not a duplicate complaint and has been submitted by me, the consumer. please see attached identification for verification purposes. 
On or about XX/XX/2023, XXXX XXXX noticed a suspicious and deceptive item listed on 3 consumer reports ( see attached reports ). XXXX XXXX mailed CAPITAL ONE a letter exercising rights to opt out of having information shared with third parties ( see attached Notice of Opt out ). CAPITAL ONE received this Notice on XX/XX/2023, ( see attached confirmation ). CAPITAL ONE has failed to respond to XXXX XXXX Notice of Opt-Out. Effective on the date of delivery, CAPITAL ONE shall no longer share any of the following ( ( as established by the PRIVACY RULE ( see attached ) ) pertaining to XXXX XXXX : 1. Name, Address, Income, Social Security number, or other information on an application bearing XXXX XXXX as a party. 2. Any information you received about XXXX XXXX from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that XXXX XXXX is your consumer or customer, current account status, account numbers, payment history, balances, and credit card purchases ). 3. Any information you received about XXXX XXXX in connection with providing a financial product or service ( for example, information from court records or from a consumer report ).
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (CA)

Why do we get cards from credit companys or even applications that can very well create fraud especially for people that have moved. Why isnt our government protecting us more from this fraud and only allow people that want credit cards to apply for them and those that dont need or want one not be sent applications. I dont understand this from our government as they are supposed to be their for the people and not the people for the government. We pay as citizens government employees and this needs to stop.
Consumer complaint received 2022-10-30
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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (CA)

I have XXXX accounts on my consumer report that are showing as Charged off. These accounts are from : XXXX in the amount of {$42000.00} XXXX XXXX XXXX in the amount of {$22000.00} Barclays Bank in the amount of {$8000.00} XXXX XXXX ( XXXX ), the amount does not show on consumer report XXXX XXXX ( XXXX ), the amount does not show on consumer report All XXXX of these accounts show Charged off on my consumer report. 
According to the Internal Revenue Service ( IRS ), a charged off account on a consumer report, must me filed with the consumers tax return as cancelled debt, with form XXXX. Which I have done. Once the account is charged off by the creditor, it is no longer debt, but filed as gross or ordinary income on the consumers tax return. Therefore, the XXXX aforementioned creditors, are inaccurately and incorrectly reporting these accounts on my consumer report to the consumer reporting agencies. 
According to the Fair Credit Reporting Act, a consumer 's consumer report MUST be 100 % accurate. 
These XXXX accounts on my consumer report are, in deed, inaccurate, and I request them to be deleted from my consumer report, effective immediately.
Consumer complaint received 2022-10-30
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

I have XXXX accounts on my consumer report that are showing as Charged off. These accounts are from : JPMCB in the amount of {$42000.00} XXXX  XXXX XXXX in the amount of {$22000.00} XXXX Bank in the amount of {$8000.00} XXXX XXXX ( XXXX ), the amount does not show on consumer report XXXX XXXX ( XXXX ), the amount does not show on consumer report All XXXX of these accounts show Charged off on my consumer report. 
According to the Internal Revenue Service ( IRS ), a charged off account on a consumer report, must me filed with the consumers tax return as cancelled debt, with form XXXX. Which I have done. Once the account is charged off by the creditor, it is no longer debt, but filed as gross or ordinary income on the consumers tax return. Therefore, the XXXX aforementioned creditors, are inaccurately and incorrectly reporting these accounts on my consumer report to the consumer reporting agencies. 
According to the Fair Credit Reporting Act, a consumer 's consumer report MUST be 100 % accurate. 
These XXXX accounts on my consumer report are, in deed, inaccurate, and I request them to be deleted from my consumer report, effective immediately.
Consumer complaint received 2024-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

I have received 9 Calls from this company over the month of XX/XX/2024 ( actually the company 's computer because they do not allow a live representative to take a call ) when I made my XX/XX/2024 payment -before the due date on XX/XX/2024. There is {$570.00} missing from my escrow account. I have never missed a payment, infact, I pay each forth coming month on the XXXX of each month ( 4days before due date ).
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

XXXX I received a bill for purchases I did not make. I reported fraud with the company ( XXXX XXXX ). They canceled the card and sent me a new one with a new #. The next month I received another bill with more charges. Again I called to report fraud and told them I do not want another card. Cancel my account. This happened for three more months which I reported fraud and how can they make changes on an account that was canceled. Now they are saying they refused to accept fraud charges because I live less than an hour from where the charges are made. I refused again and they are looking at it again as one claim
Consumer complaint received 2021-01-04
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. (TX)

XXXX requested deferral under the Cares Act due to loss of income XXXX approved for 3-month deferral beginning XX/XX/XXXX through XX/XX/XXXX XX/XX/2020 XXXX begins the process of requesting an extension XX/XX/XXXX through XX/XX/XXXX follow up multiple times a week to request status of the appeal and provides any and all requested documentation XX/XX/XXXX receive letter denial of extension XX/XX/XXXX began process to appeal denial XX/XX/XXXX lender requests additional documentation XX/XX/XXXX call XXXX have conference call with XXXX and my attorney due to no update on status on appeal XX/XX/XXXX property is sold XX/XX/XXXX XXXX sends satisfaction of mortgage letter XX/XX/XXXX begin purchase of property in Texas XX/XX/XXXX lender contacts me to provide documentation of forbearance as credit bureaus show the account was closed as 120 day late XX/XX/XXXX call XXXX requesting letter showing forbearance period XX/XX/XXXX call XXXX for status on of my forbearance letter, told XXXX decided not to send letter and was just correcting bureau. Told XXXX to send letter I requested, was told would be getting response in 48 hours XX/XX/XXXX receive letter stating that they completed a request to take the forbearance of the mortgage ( which was not requested ) and payments to begin XX/XX/XXXX on a mortgage that is paid off and closed XX/XX/XXXX call XXXX with mortgage broker to get his assistance to have them correct the account. XXXX stated they have 30 days since I called on XX/XX/XXXX to correct the account status with the credit bureaus. When requested documentation be sent to me for proof of what the agent stated on the call. She hung up.
Consumer complaint received 2021-01-04
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. (IL)

These account is involved in litigation. 
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 50days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (LA)

I disputed this account with Afni Inc. stating this is not my account and it was updated a valid on my credit reports. They did not provide any signed contract or anything else stating this account was mines. This company is in violation of the FCRA for verifying the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.
Consumer complaint received 2021-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

I have disputed this debt with Credit Collection Services and the credit bureaus and still have received no information at all from Credit Collection Services regarding this account! This is a violation of my rights according to the FDCPA and FCRA! You must help me with this!
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

Over the last several weeks we have had multiple mortgage companies try and get our credit score from Equifax for a loan. All of the mortgage companies have stated they were not able to get the score, thus not allowing us to purchase a new home. Equifax was contacted on two different occasions and both times I was told there was no hold or freeze on the account. I have researched and this is not the first time that Equifax has been accused of this. This is a very time sensitive issue that needs to be addressed and corrected immediately. 

This is a violation of our consumer rights and I would appreciate your prompt actions as soon as possible. Again this is a time sensitive problem that needs to be fixed. 

Thank you for your time and attention.
Consumer complaint received 2022-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I Went to To Car Dealership, They Told Me They Would Run Credit Once and It Was Ran Several Times. 

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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I am writing to formally request that XXXX XXXX immediately cease and desist from reporting any information regarding Account # XXXX to any consumer reporting agency, as defined by the Fair Credit Reporting Act ( FCRA ). This letter serves as an official notice of my intent to exercise my rights under the FCRA. 
As the account holder, I assert that the information related to Account # XXXX should no longer be included or reported in my consumer report. I am invoking my rights as outlined in the FCRA, particularly under Section 623 ( a ) ( 7 ) and Section 623 ( b ) ( 1 ).

I hereby demand that XXXX XXXX refrain from reporting any information about Account # XXXX to any consumer reporting agency, including but not limited to Equifax, XXXX, and XXXX. This request is made in accordance with my rights under federal law and regulations. 
Please acknowledge receipt of this letter in writing within 10 days from the date of your receipt. Furthermore, please provide written confirmation that you have taken the necessary steps to comply with my request and that no further reporting of Account # XXXX will occur. 
Failure to comply with this cease and desist request may result in legal action, as provided for under the FCRA. I trust that we can resolve this matter amicably and without the need for further escalation. 
Thank you for your immediate attention to this request. I expect a prompt and satisfactory resolution. 
XXXX XXXX
Consumer complaint received 2021-01-04
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: ALLY FINANCIAL INC. (MA)

On the XX/XX/2020 I went into XXXX XXXX to inquire about the possibility of buying a new truck. At the time they had a deal where they were offering low to no interest and no payments for 90-120 days. I wanted this deal and this deal only. I applied for the credit with XXXX and was rejected, however the former Sales Manager ( who was about to retire come to find out ) arbitrarily shopped my name around to several banks to get me qualified to buy they truck. I made it clear I did not want a bunch of credit inquiries to my credit. Just the one, via XXXX. 

Now fast forward 7 months and 4 inquires remain that should not, despite me calling the credit bureaus, the companies themselves and even XXXX XXXX advocating and sending letters to remove the credit inquiry from my report. 
-Ally Financial, Inc. XX/XX/2020 still remains and shall be removed. 
-Ally Financial XX/XX/2020 still remains and shall be removed -XX/XX/XXXX XXXX XX/XX/2020 still remains and shall be removed -XX/XX/XXXX XXXX XX/XX/2020 still remains and shall be removed as XXXX solicited my business with them, without my express consent, in fact, against my word as a consumer.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/year> I made a payment to the company of XXXX However My interest charges was XXXX I later made another payment For XXXX And XXXX cent on XX/XX/XXXX And my interest rate was XXXX I later made another day on XX/XX/XXXX Of 2024 Again with a high interest rate charge XXXX XXXX  however It said that I only had XXXX payments behind But it never took any of the payments Off except for XXXX and the account is being said that I'm still XXXX payments past due after I've made XXXX payments the interest rates have continued to go up the current balance only went down once after XXXX payments keeping me in debt on top of the high interest rate they're also charging a past due fee a {$40.00} when the agreement that was made was that if I made XXXX payments of XXXX that it will bring my account up to current however Within 2 months I have paid {$700.00} and my my balance is still {$8800.00} from from XXXX
Consumer complaint received 2023-01-12
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: Self Financial Inc. (TX)

Im accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 US 1681 Section 602 A : it states a consumer reporting agency can not furnish a account without my written instructions.

15 US 1666B A creditor may not treat a payment on a credit card account under an open end costumer credit plan as late for any purpose.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (NV)

Genesis. Destiny. Credit. Card. Pre-approved. Me. For. A. Credit. Card. With. {$700.00}. Credit. Line. And. Asked. Me. To. Send. Identity information. Which. I. Did. Still. They. Refuse. To. Issue. Me. The. Credit. Card?
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-25
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

Company would not let me use my government issued ID from the VA to unlock my account they said that they had a fraudulent charge on my account so they locked it which I did not have a fraudulent charge and they will not let me open my account they will not let me transfer it they will not let me close it to touch my money I have already lost my house and my vehicle because of this and I still can't touch my money I have an appointment for the DMV to be able to get a state issued ID but that's not till XXXX I need my money
Consumer complaint received 2021-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (GA)

The servicer for my second mortgage is claiming that they are still going to report a 30 day late ( previously a 60 day late that they did fix on my credit report ) for a late payment that was due XX/XX/2020 and not paid until XX/XX/XXXX. This payment was not able to be made due to the co-borrower on the loan being locked out of being able to pay though the online website, unable to have anyone from Statebridge answer the phone, and past payments being lost by Statebridge. When the co-borrower tried to have this resolved and was able to actually have someone from Statebridge answer the phone they stated to her, that they would not be able to help her because she was " not on the loan ''. This was only resolved months later when they put the co-borrower on the mortgage in their system as a co-borrower. She made every attempt to pay - frantically called with no one answering, locked out of the website, emailed, and was told she was not on the loan and could not pay over the phone. Sending in the check would not have helped because of Statebridge losing payments, only correcting the matter over a year later with Statebridge refunding the late charges of receiving a " late payment '' that was, in fact, not late but lost by this company. Every attempt was made to make the payment, but it was either impossible or rejected by Statebridge, none of which is the fault of myself or the co-borrower so it should not reflect on either of our credit reports and needs to be corrected by Statebridge.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. I have made multiple attempts dating back to XXXX  by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.