davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-21
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)

Good evening, On Saturday, XX/XX/2021. I was informed ALL of my accounts were closed with Capital One stating that I violated a clause within the terms and conditions. The I called and spoke with a XXXX I was advised this was because I was unable to properly protect my account from unauthorized charges You all can pull the call that will confirm this as its being recorded for quality assurance. XXXX with is the credit card that you all have contact ensures {$0.00} fraud liability, According to you all terms and conditions UNAUTHORIZED CHARGES fall under fraud. 

This is were is gets a bit hazy and my lawyer will be reaching out, the letter that Capital One mailed on XX/XX/XXXX, states my accounts were closed for not protecting my account from charges I did not authorized when I asked how is this to be done from your rep I was told to lock my card in safe. When Ive personally been a victim of identity theft which can be verified amongst all of my accounts and was called to confirm my identity. As a client that has had an auto loan, XXXX credit cards as the primary, a few as the authorized user and a bank account. I am in total dismay at the customer service and how Capital One literally blames there client for fraudulent transactions by the closure of accounts although the history of the count has NEVER warranted such penalty. NOW, I am being affected XXXX again for acts done against me or NO fault of my own. The {$0.00} fraud liability you all proclaim is NOT without consequences and should be communicated to potential consumers. 

It is unfair that I am being penalized. My credit has taken a hit via inquiries and drop in utilization all for reporting charges that were fraudulent to the company that is supposed to be bringing humanity, ingenuity, and simplicity to banking.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WV)

On XX/XX/2020 I received a phone call from my current mortgage offering me a no cost payment reduction loan. I currently have a 30 year mortgage at XXXX and I was going to reduce it to an 8 year at XXXX. This should be a slam dunk quick refi. I was told 30 days. Everytime documentation was requested I had it to them with in an hour. My issue is lack of communication. Nobody ever tells me they need more documentation. After 4 or 5 messages I get a random response asking for the same items again. I then resend the documents. I never received any type of confirmation or anything that they arent received. I have been elevated up to three levels of management at this point. Every single time it has been exactly one call with a lot of apologizes and promise of a return phone call the next day. I never receive the return phone call. I call numerous times a day and nobody ever answers. I just get voice mails. All I want to do is to be able to wrap up this loan as soon as possible. I am so solid it is not even funny. My income is more than triple them when I got the original loan and I will be reducing the payment by {$400.00} per month. It makes absolutely no sense why this is not done.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to Transunion and XXXX on XX/XX/2022 regarding unauthorized inquiries and they have not removed them. TransUnion disregarded my letters because they thought a third party was sending letters out when it was me who wrote and sent my letters out. XXXX removed a few inquiries but did not remove all of them.
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am getting statements sent to my home with another persons name XXXX XXXX XXXX and XXXX XXXX have never lived in my home. This person has never lived here and I have asked Capital One on several occasions ( 6 times ) to address it. I am considering getting an attorney.
Consumer complaint received 2023-10-15
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. (MS)

Filed multiple disputes and requests to XXXX XXXX for HIPAA authorization forms signed by me in wet ink. Neither the credit reporting agency nor the debt collection company has responded with requested documents per FCRA and FDCPA laws and regulations. This company was also XXXX XXXX with I also sent multiple certified letters to requesting this same information and also recieved NO documents. A cfpb complaint was filed ( Complaint # XXXX ) which XXXX XXXX ignored and this complaint was sent to the FTC.
Consumer complaint received 2022-12-16
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. (IL)

I just recently reviewed my credit report for the first time and notice a bunch of unauthorized Hard Inquiries. I did not authorize these XXXX Inquiries nor do I know how they are on my credit report. I have filed a indentity theft on identitytheftgov and I have attached it to this complaint and i'm requesting that these XXXX Inquiries be removed from my credit report expeditiously.
Consumer complaint received 2022-05-23
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. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I already submitted a complaint to the 3 Credit Bureaus regarding my concern. I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The Experian, XXXX, and XXXX Credit Bureaus must comply with the Fair Credit Reporting Act, 15 USC Sections 1681i, and stop reporting as unverified information without any proof provided, within the time allowed by law. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2021-11-21
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have held account with Kohl 's for over XXXX years. Recently on XX/XX/2021 I was paying for products at the register and wanted to use my Kohl 's account. Because I didn't have my charge card I was requested to enter my social security number into the computer console. I have done this several times in the past in the same situation and had no problems. I was surprised when my account was rejected. At the time I didn't think much of it and paid with my debit card. 

Today I received a credit report from XXXX stating I had been rejected for a new account with Kohl 's. I never had any intention of applying for new credit with Kohl 's but rather use the account I've had for XXXX years. This was a deceptive practice by Kohl 's in doing this. I never filled out any application for a new account. Why would I apply for new card if I already had an account. This is frustrating and I want this credit inquiry removed. I monitor my credit closely and avoid doing anything to negatively impact my XXXX XXXX. 

Not being able to dispute this inquiry through the credit bureau is completely ridiculous and outdated. What are customers supposed to do when this occurs improperly? 

Additionally there were statements on the credit letter for denial reasons that were wildly inaccurate such as my current XXXX XXXX, ration of income to debt and the fact that I've had too many inquiries. The only inquiry on my credit file is from last year when I bought my XXXX a new car. ( Otherwise XXXX. ) Is there no accountability with the credit bureaus for customers and there information?
Consumer complaint received 2021-11-21
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. (GA)

Consumer initiated formal dispute via certified mail with return receipt XXXX, requesting debt validation, as defined by the XXXX. Agency has considered investigation complete and disputed account ( s ) " verified '', however ; inaccurate and unauthorized data is still being reported on the consumer credit report, causing great harm and oppression to the consumer and their family. There has been a persistent failure to comply with the requirements of debt validation by both the debt collector ( s ) furnishing the inaccurate information, as well as the Credit Bureau for allowing this unfair practice to impair my reputation and rightful access to consumer credit.
Consumer complaint received 2021-11-21
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. (GA)

Consumer initiated formal dispute via certified mail with return receipt XXXX, requesting debt validation, as defined by the XXXX. Agency has considered investigation complete and disputed account ( s ) " verified '', however ; inaccurate and unauthorized data is still being reported on the consumer credit report, causing great harm and oppression to the consumer and their family. There has been a persistent failure to comply with the requirements of debt validation by both the debt collector ( s ) furnishing the inaccurate information, as well as the Credit Bureau for allowing this unfair practice to impair my reputation and rightful access to consumer credit.
Consumer complaint received 2021-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

THE COMPANY, CREDENCE RESOURCE MANA, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE CONSUMER BUREAU PROTECTION. XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( e ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. CREDENCE RESOURCE MANA HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. CREDENCE RESOURCE MANA REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN XXXX AND I.
Consumer complaint received 2021-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

On XX/XX/2021, I started trying to fix access issues with my crypto.com account. They are not letting have access to my account so that I can sell all my cryptocurrency and have been stuck just watching it lose value. They keep telling me that someone will be with me shortly, that it has been submitted to the appropriate team, yada yada yada, and here I am on the XXXX of XXXX and STILL don't have access to my account. I've noticed on XXXX others saying that it has been over a month for them. Are they just a scam, or have absolutely NO clue about how to fix their problems so I can access my money?
Consumer complaint received 2017-10-25
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: Experian Information Solutions Inc. (GA)

Hi Cfpb, I noticed inquiries on my credit report that I am not familiar with. I was a victim of the XXXX inquiry issue. I spoke with XXXX and they are not helping at all. I know for a fact that no one has my SSN or personal information. I had over an XXXX credit score all my life and would like these inquiries removed since I do n't recognize them. 

Best Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank 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 2022-05-23
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. (TX)

I have already submitted a complaint to the 3 Credit Bureaus last XX/XX/XXXX 2022 and I have also been waiting for their response since then. I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or were they authorized by me. The XXXX, Experian, and XXXX Credit Bureaus is given the time to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that the Credit Bureaus are obligated to finish their investigation within 30 days and must stop reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items I found to be fraudulent and yet they are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX  XXXX Balance Owed : {$430.00} ; XXXX XXXX  XXXX Balance Owed : {$3400.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX # XXXX XXXX, TX XXXX
Consumer complaint received 2021-11-21
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: CITIBANK, N.A. (MA)

I notified XXXX back in XXXX XXXX XXXX that they were reporting inaccurate, unverifiable, fraudulent account. The fraudulent account that they are reporting on my consumer report Macys, I sent a FTC report along with a 609 ( a ) 1 ( A ) letter advising the describing of the user and accuracy and completeness of the information is herby requested with-in of completion of investigation. There was no proof of the alleged idea, specially the contract, note or other instrument baring my signature. Under federal law, they had 30 days to complete the investigation and fail to provide me with those instruments verifying the validity of this information. This item must immediately removed from my consumer report. Thank you.
Consumer complaint received 2023-07-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/XXXX  I check my balance on XXXX Originally when I had saw the debt on XXXX it was XXXX I was set to pay that I was never disclose that the debt collection will be adding fees Today on XXXX XXXX I learned they will be charging me {$800.00} in fees that was never disclose to me I called the dental office where the debt is coming I made {$300.00} in the year of XXXX Which mean the debt decrease to XXXX but I check its {$3000.00} Not only the debt collectors arent updating anything but adding without disclosing any information I had no idea how it and when it happened but its got to go Even when I had ask for debt validation they sent me XXXX nothing more Dental office clear it was that amount
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I recently checked my credit report and I noticed some inquiries from companies that I did not give consent to access my reports, I respectfully demand the removal of these unauthorized inquiries immediately to avoid any confusion as I did not give any form of consent, not written, electronically, in person or over the phone I am fully aware without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report # 1 ( XXXX XXXX XXXX on XXXX ) # 2 ( XXXX XXXX XXXX on XXXX ) # 3 ( XXXX XXXX XXXX on XXXX # 4 ( XXXX XXXX on XXXX ) # 5 ( XXXX XXXX on XXXX ).
Consumer complaint received 2022-10-13
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)

Im submitting a complaint to you today to inform you I was the XXXX  of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00} and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022, and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (PA)

I received a letter from IC systems threating to damage my credit if I do not pay an alleged debt owed. I do not nor did I ever have any contractual obligations with IC systems regarding any services rendered nor did they ever extend to me any loans. IC systems is in violation of the FDCPA under 15 usc 1692 * communicating with me without my approval or consent * threatened to advertise debt to coerce payment *harassment, abuse and damage to my reputation IC systems claimed to be collecting for XXXX XXXX XXXX which is also a violation because I did not authorize XXXX  to give my personal information to any third party debt collection agency because I am the original creditor. Both XXXX and IC systems are in violation of the FDCPA. 
I have attached a copy of the letter with the violations and threats made to me.