davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
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: AMERICAN EXPRESS COMPANY (NC)

American Express has issued a Credit Card in my name to someone else that is using it. When I applied for an American Express Card last year, I received a letter stating that my Credit Score was much lower than it actually was. I check my Credit Scores often and I knew that was a lie. American Express is now operating XXXX XXXX in XXXX. Also, I have asked for my late husbands statements, ( XXXX XXXX ) and American Express did NOT send me them after they said they would. My patience with their Egregious business practices have XXXX we orb me thin. If I dont get my, American Express Business Credit Card XXXX my late husbands file ( XXXX XXXX XXXX which I believe an, American Express Card ( s ) have been issued under his Social Security Number without his knowledge dnd consent, which is Elder Fraud by his alleged caregiver. If this matter is NOT handled to my satisfaction then, I am going to file a LAWSUIT against, American Express and their Board Members, who have allowed these, CRIMINAL practices to continue even after being notified. I have all of my documents to proceed.
Consumer complaint received 2021-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

I have communicated that lvnv sent me a lettee saying this debt is mine they included a payment I never made. 
In the letter to the bureaus the last payment I didn't nor make I do not know of anyone making it. 
Next this debt is passed statue of limitations. Also the bureaus have deleted this debt and it keeps coming back. 
Can someone validatw this debt by the contract. 
Can someone validate this debt by receipt of buying it from original owner with the account number and name The dispute with original ac, ount holder is card was stolen or a family member put transactions on the card please prove it was me by signature and picture from cameras Also the person who paid this debt last is the criminal Please look at the proof I didn't make the payment it's highlighted The debt is past statue of limitations and is identity fraud.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX XXXX XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED XXXX 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. CXXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2024-03-16
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: EQUIFAX, INC. (FL)

Equifax is continuing to break the law by giving incomplete and misleading information by reporting incorrect data. Ive Tried numerous time to get this issue resolved. The information is clearly Wrong and I believe that their response is automated generated, and no one is truly investigating the problem Also, I asked For Equifax to investigate the Because I believe that its it is incorrect and should not be on my credit report at all I can show proof to show that this company is showing incorrect and misleading remarks I will upload to show my proof of what is being reported on my credit report and you will see for yourself that the information is misleading
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX i used my debit card to make several hundred thousand dollars in purchases from a business in the XXXX XXXX. The purchases were made while I physically located was in the USA and the transactions were all denominated in USD. 

I was charged foreign transactions fees that amounted to thousands of dollars. 

Foreign Transaction Fee on Transactions in US Dollars Bank of America Visa Card. 

BOA charges a foreign transaction fee on transactions consummated in US dollars. BOA alleges they are allowed to charge this fee, but the cardholder agreement is not explicit as to when they can elect to charge and when they don't. 

The cardholder agreement is explicit that if the transaction is in foreign currency, they will charge, but its not applicable when charging these fees on US dollar transactions when the cardholder is physically located in the USA. 

My account was closed by BOA but those fees have never been refunded. Recently the Biden administration has taken numerous measures to combat junk fees which include the application of foreign transaction fees just like those that I was charged!
Consumer complaint received 2021-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NY)

Dear CFBP Officers : I am writing you to complaint about an illegal or even a fraudulent debt collection attempt by Ability Recovery Services LLC and thus destroying my credit history which is denying me credit opportunities and this fact is even more exacerbated by this trying times. 

- First of all, this company never notified me in writing that I owe any debt to them. This a clear FDCPA violation. 
- Without any notice to me they send such fraudulent information to credit reporting agencies. This a clear FDCPA violation. 
-Failed to send me a validation of debt which is a clear FDCPA violation. 

Credit reporting laws ensure that bureaus and collection agencies are obligated to report only 100 % accurate credit information. Every step must be taken to assure the information is reported is completely accurate, correct and belong to the right person. Clearly Ability Recovery Services LLC has failed in reporting my credit file accurately. 

Therefore, the following information bellow must be removed as soon as possible. I respectfully request that you provide me the proof that these items belong to me and were authorized with an instrument bearing my signature and supported with IDs and any other legitimate supporting documents. Failing to prove that, unauthorized, inaccurate and most likely fraudulent items must be removed from my file immediately : 1. ABILITY RECOVERY SEVICE - Account number XXXX I also need to inform you that in XXXX, I notified all 3 credit reporting agencies and CFBP that similar attempt was made and investigation by credit reporting agencies proved that I never authorized such a purchase or service and was removed immediately from my credit report.
Consumer complaint received 2021-04-04
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: Phoenix Financial Services LLC (MD)

XX/XX/2022 A derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.
Consumer complaint received 2023-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TX)

I submitted a previous complaint. I just got off the phone with my tax office they stated they sent a refund for {$3300.00} on XX/XX/XXXX to XXXX my previous lender AKA Guaranteed Rate. I did NOT receive that. I just received a check about two months ago for approx {$500.00}? Please refer to my previous complaint. They held escrows when I closed and never paid my taxes. I closed XX/XX/XXXX taxes were not paid till the following fall only because I alerted them to a lien notice for non payment. They need to send a ledger showing how funds were allocated. They held money at closing and then collected escrows every month the numbers arent adding up. I was charged late fees penalties and interest from XXXX and XXXX XXXX. I feel they are with holding money. I have tried numerous times to contact them. No one will respond. It took me filing a complaint with you guys to get a refund almost two years later! This is deceptive business practice. They sent ck XXXX for {$3300.00} on XX/XX/XXXX and I havent received any of that. On top of whatever fees, interest ect they paid on my behalf because THEY did not pay the bill. I should not be responsible for any of that as they held the money in escrow and it was their mistake. Please see my cd they held a whole year in escrows- which was over calculated. My current taxes arent even this much with a 25 % property value increase since last year!!
Consumer complaint received 2021-04-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (TX)

My name is XXXX XXXX and my issue is with Ally Auto finance. My father XXXX XXXX passed away in XX/XX/2021. His vehicle was finally repossessed on XX/XX/2021. 
My half sister had a STRONG interest in keeping the truck and trying to catch up previous missing payments. I have been trying to talk her out but she insists. 
I have been labeled on his account through Ally Finance themselves as the " informant " on the account. Also my name is the one listed on my father 's death certificate. I also repeatedly told Ally on their recorded line " please do not discuss any account information with anyone other than myself in order to perfect the privacy of the deceased " they obliged. 

My sister is pretty persistent so she kept calling trying to get payoff balance. And on XX/XX/2021 she calls me on 3 way with Ally Auto finance. They proceeded to give her the sensitive account information and I couldn't stop it. They did not speak or get any verification info from me. And she was able to have the representative give her the account info with only the account number. They told her status of account as well as the charge off date. The only reason i didn't cut them off was ti avoid personal conflict with my sister and other family members. 

The reason I am filing this complaint is Ally Financial did not respect my wishes of non disclosure to persons other than myself. They also violated the law by talking this account info without going through proper verification. 
There was a reason I wanted this to stay discrete and now it's causing distress among my and family members. Serious potentially dangerous distress. I am looking for all possible options at this point. 
Acct name is under XXXX XXXX XXXX XXXX and time of call was XX/XX/2021 around XXXXXXXX XXXX cst. Call took place on their recorded line. 
My name is XXXX XXXX the son and only informant authorized to discuss account info.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with Experian, XXXX and XXXX. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with Experian, XXXX and XXXX showing an 83 % utilization rate. I contacted an Account Manager and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.
Consumer complaint received 2021-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

Each week, I receive notices from various mortgage companies making me offers to refinance my mortgage. They make it appear as though it is coming from my mortgage company - for example the letter is addressed to me, and the return address is my mortgage company, but it is not my mortgage company. 

For example : Caliber Home Loans , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Nationwide Multistate Licensing System and Registry # XXXX.
Consumer complaint received 2021-04-03
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. (IA)

Fraudulent inquiries outside of XXXX  XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/2020 and XXXX  XXXX XXXX in XX/XX/2020. The bureaus have refused to remove these even after several disputes and phone calls with them.
Consumer complaint received 2021-04-03
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)

XXXX XXXX XXXX  IS ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM OFF.
Consumer complaint received 2022-02-16
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation (MO)

Account resolution Cor is reporting on my credit report. I advised them I never received a letter and had no idea this account was in collections on the last day of XX/XX/2021. They advised me they would get me a letter out, I have yet to receive it but they did report this negatively on my credit again today. Can I at least get a validation letter before they start tanking my credit?
Consumer complaint received 2021-04-03
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)

XXXX XXXX XXXX IS ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM OFF.
Consumer complaint received 2021-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX we were denied a refinance loan from Bank of America XXXX BOA ), Loan # XXXX with Loan Officer XXXX XXXX. As a result we lost {$27.00} for the Credit Report Fee and {$820.00} for the Appraisal Fee. BOA denied the loan because they claimed out condominiums insurance coverage was not up to their standards and therefore citing the problem as " Collateral : Ineligible Property Type ''. However, our condominiums management company at the the time, XXXX XXXX XXXX, did have the issue resolved with the building 's insurance policy and made par to BOA 's request. 

We know this to be true because the issue of the loan denial was brought up to the attention of the our homeowner 's association, XXXX XXXX XXXX XXXX, at their XX/XX/XXXX meeting. After their investigation they found that the building 's insurance policy was up to Colorado state standards. Finally, as further proof that the building 's insurance is acceptable, the same property was successfully refinanced on XX/XX/XXXX with the same insurance as the denial date for the BOA loan in question. On top of that, numerous units in the same association have refinanced and sold between our loan denial and now with the same exact building insurance.
Consumer complaint received 2021-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (ID)

I have a second mortgage on my home thru us bank. In the fall of XX/XX/2020 the bank notified us that the area where our home in has been reclassified and now lies in a flood plain. I obtained flood insurance thru my agent and fema. US bank is charging me XXXX dollars a month on top of my mortgage to pay for flood insurance. Despite me calling multiple times in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and giving them my agents information to get my food insurance, they continue to charge me for this unnecessary insurance. I don't know where else to turn
Consumer complaint received 2019-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, There is an account that was opened under my name without my consent and I have it attached. I want it to get remove of my credit report. I contacted FTC also.Thank you for your help in advance.
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (CO)

Dear CFPB, My name is XXXX XXXX XXXX. I do not owe any money for XXXX XXXX XXXX. That is a lie and it was a credit card dispute with XXXX. They tried to charge me a month of rent, when I didnt even live there. They also kept my security deposit which is illegal. XXXX already handled this. XXXX XXXX lofts refunded me, and I refunded them. This should not be in collections or a debit collector. That is illegal what they are doing and fraud. They already were paid. I paid all remaining charges while I lived there as well. See more documents for proof. I also was recently sent updates from XXXX as requested to show you guys more proof, where they were even just recently credited. This again should not be in collections! Please contact XXXX. See all receipts in PDF file! Thank you again! 



Best regards, Mr. XXXX XXXX XXXX
Consumer complaint received 2021-04-04
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. (TN)

I had a loan through XXXX XXXX  XXXX taken out by someone who was not me! Accounts can be check I never received this loan my identity was stolen to apply for this loan.
Consumer complaint received 2021-04-04
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. (TN)

I had a loan through XXXX XXXX  XXXX taken out by someone who was not me! Accounts can be check I never received this loan my identity was stolen to apply for this loan.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I had a credit card stolen from my residence in California while I was in Oklahoma. I reported the fraud and was told I'd receive a temporary credit from capital one. Now it's 3 days later on Monday and I'm being told I can't receive a temporary credit while the investigation is ongoing. And that I'd receive one once it was completed. It has caused considerable hardship to me and mine and I've been ridiculed, lied to and even hung up on because of my more colorful approach towards handling this with customer service agents. I'm not being treated the same as everyone else who'd get a temporary credit while this was ongoing and as such, I want to initiate a formal complaint against the bank for their unfair and deceptive practices.