davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have fraudulent inquiries on my credit report. 
Below I have provided the unauthorized inquires that appeared on my report. 

-Consumers co XXXX Inquiry Date XXXX ) -Capital one ( Inquiry Date XXXX ) -XXXX card ( Inquiry Date XXXX ) Capital one ( Inquiry Date XXXX )
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MN)

I have a Costco Citi card, and my issue is with them. On XX/XX/2021 I paid for vehicle repairs at XXXX 's XXXX and XXXX in XXXX, MN. Work was done on the specified part, but additional damage was caused and noted immediately after the vehicle was picked up. After taking the vehicle back to XXXX 's and receiving a bill for additional services in excess of the original repair, I contacted Citi to file a dispute. 

After submitting all of the required documents plus supplementary documents and a written statement, the XXXX assigned to the case closed it without contacting the merchant or myself, stating that I was responsible for the charge. Multiple times I contacted the dispute department requesting that the case be looked at again, and every time I was told that a message was sent to the XXXX or the leadership team of the investigators, but again was never contacted. Two months later and I am still being told the same story. " Notes have been sent to the XXXX '', " we just have to be patient '', " we have no way of resolving this at this level and need to wait '' and many other of the standard phrases you hear from customer service. 

My vehicle was damaged by an auto shop, Citi says that I am responsible, and I don't feel like anybody is listening.
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies. 

Its been more that 30 days and I have not received any feeback, this is unacceptable. NO investigation results.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MN)

I filed a complaint with wells Fargo on XX/XX/ 2021 about an unauthorized transaction from XXXX XXXX. I told Wells Fargo my information was completely compromised due to an XXXX hack that occurred earlier this year which Im still recovering from. I waited for my XXXX business for this thing to get resolved but on the XXXX  day, I received a voicemail. It was a wells Fargo investigator. I felt like I was treated like someone who was less than a customer. All I was met with was nothing but dead-end answers and hostility. I felt hopeless at that moment like everything was crashing down. I explained what happened and didnt get any results or helpful information. I was told to contact uphold directly so I decided to do that, that same day. Uphold customer service reps took forever to get back to me. The emails felt like a lifetime apart. I kept telling the reps that I didnt make any transactions and that wells Fargo reps told me to contact them. I was looking for a resolution but was quickly shut down and was told they were closing an account I never made. After a few backs and forth emails, I was told to contact Wells Fargo to get my money back. Wells Fargo said the same thing to me and told me to go to uphold to get my money back. I feel like Im just getting bullied by XXXX  big companies with no care in the world. This isnt right and they feel like theyre untouchable. I feel hopeless and lost and need the help of the XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I received a credit report from the mortgage company and was shocked to find evidence of identity theft. Multiple accounts, like XXXX XXXX # XXXX, XXXX FIR # XXXX, XXXX # XXXX, and others, were discovered, which I didn't open. I kindly request the removal of these fraudulent accounts from my credit report, in accordance with the consumer law ( 15 U.S. Code 1681b ) and CCPA/CPRA regulations.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (MO)

On XX/XX/XXXX I made a deposit into my mortgage account, and called Arvest Mortgage to apply the entire amount to my escrow account. This was merely a reimbursement money from a hazard insurance company after I switched companies in XX/XX/XXXX. I called about this at least 3 more times over the course of two weeks, as I could not see the evidence of transfer into my escrow account. I was told that accounting is at least 6 weeks behind on their work, but was assured that it will all be done. 

Next, as a result of not applying the above amount correctly to my escrow amount for 2 months, my XXXX automatic mortgage payment and now XXXX automatic mortgage payment never applied as scheduled. The money is sitting in my checking account. I can not fix this online myself, as my auto payment is disabled due to delinquent status!? 

I have been calling and emailing with Arvest Mortgage for two months now, with no end in sight here. Please help. I have never been late on ANY bill in my life. Arvest Mortgage will not tell me what is going on, they reply with " a second round of emails has been sent '' and " let us know if you do not get a call from us today ''. 

I have filed a complaint with XXXX as well in hopes to get this resolved.
Consumer complaint received 2021-11-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit, Inc (CA)

On XX/XX/2021, I sold my car ( under a lease ) to XXXX XXXX in XXXX, California. My car was under a lease and had a payoff quote of {$16000.00}. The XXXX XXXX dealership was offering to purchase it off me for {$23000.00}. I agreed and completed the sale for the price of {$23000.00}. The dealership management team stated that the difference between the purchase price of {$23000.00} and payoff of {$16000.00} would be delivered to me in check form within 5 to 7 business days. 

I had not received it yet, so on XX/XX/XXXX, I contacted the dealership and left a voice message to the sales/finance team to check on the status of my payment. On XX/XX/XXXX, the dealership got back to me and stated that it was delivered on XX/XX/XXXX via XXXX  at XXXX pm. I called back to confirm the tracking number and discovered that it was shipped to an incorrect address in a different city. The address was completely different than the one on my account with the dealership and on the final paperwork. 

The dealership admitted to sending it to the incorrect address and confirmed that the check had been deposited already and that they are going to file a fraud claim with their bank and that they will have to send me a new check or I can drive several miles out of town to pick it up at their business office.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>. Bank of America made an offset payment of {$3900.00} from my checking account to settle a debt payment on a revolving credit card. Based on the Code of Federal Regulations section 1026.12 letter d section 1 " A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. ''
Consumer complaint received 2019-12-06
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. (NY)

My identity was stolen after conducting personal business on my cousins computer. The computer I was using was infected with a virus. My personal e-mail was stolen. My personal information was retrieved via my e-mail and used for fraudulent purposes. This has resulted in the following fraudulent items to appear on my credit reports : ACCOUNTS XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX US Department of Education Acct # XXXX US Department of Education Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I should not be held responsible for the actions of an identity thief. I am seeking to remove the fraudulent info that has been associated with my identity. I have already informed the credit bureaus of this issue. I have sent the credit bureaus notarized documentation ( Police Report, Personal Documents, Affidavit ) that proves my identity theft and supports my claims. The bureaus are currently still reporting the fraudulent items.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (MT)

On XX/XX/19 I sent an email to XXXX demanding that my Wells Fargo Propel American Express credit card be closed at my request and that any further communications with me be in writing. They have arrogantly refused to do so. I believe their actions represent a general pattern with other account holders. They emailed me an acknowledgment on XX/XX/19. They emailed me a demand on XX/XX/19 that I download an XXXX application called XXXX in order to communicate. I attempted to do so. The app is not functional with my XXXX XXXX. I so notified them on XX/XX/19. I then received a Wells Fargo letter demanding that I either communicate with them by phone ( see my previous in writing only instructions to them ) or mail them a NOTARIZED demand to close the account. To date they have illegally failed to promptly close the account based upon my original demand. I can provide copies of all emails and their letter. Please contact and sanction them and require that they follow the law. Thank you.
Consumer complaint received 2018-02-28
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. (PA)

Following account ( s ) are reporting incorrectly an must be removed immediately : Derogatory mark - XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX, Closed : XX/XX/XXXX I would like to be provided proof I consented to these accounts Via FCRA section 609 and 605 as well as the accuracy of these account via FCRA section 623. If you have no proof immediately of any or one, I would like them removed immediately. Thank You
Consumer complaint received 2023-02-04
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2021-11-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
ShellPoint Mortgage XXXX XXXX XXXX XXXX, MI XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
Owner : XXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( ShellPoint Mortgage ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. I have owned the subject property since XXXX. Although ShellPoint is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled. Therefore, because XXXX has been the designated loan servicer, I am asking that you look into the following issues : Did the servicer give me a fair opportunity to be evaluated under XXXX ( and all relevant laws ), because my application was denied for lack of documents despite XXXX previously acknowledging that my loan modification/RMA packet XXXX packet ) was complete? For what reason ( s ) am I ineligible for co-signer release? And, if I am not truly eligible, can you help me understand the reasons why I would be deemed ineligible?
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I decided to get copies of all three of my credit reports on XX/XX/XXXX. After reviewing all three copies I noticed on XXXX of them that there was a collection account. The collection account is listed as XXXX XXXX XXXX is the amount of {$490.00} I have checked and searched profusely to try and find any bills or records that support this claim but to no avail. I realize now that this is the same account that I have disputed several times twice in XXXX. The first dispute was in XXXX of XXXX and the second one was in XXXX of XXXX. 
After the disputes I received emails stating that the listed accounts are accurate with no change in the listing. I have yet to receive any proof with my name, address social, etc. I would like to have this negative information removed completely.
Consumer complaint received 2020-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : KOHLS/CAPONE XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-11-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (CA)

I have never taken a payday loan from Money Lion and they have somehow retrieved my banking information and started deducting money out of my account and when I put a stop to it, they put a negative action on my credit report. I have called them multiple times they will not supply me any written documentation showing that I signed for a loan, they say they will call me back. I have not received XXXX call back as of today. The company is committing fraud and identity theft on me.
Consumer complaint received 2020-03-02
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: Experian Information Solutions Inc. (FL)

XXXX is trying to collect on an old debt that should have been closed one year ago. Business records provided to XXXX by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for a balance of {$2600.00}. It is now XX/XX/XXXX, exactly 7.5 years into the future. This debt has had no activity but is violating the law by reporting negatively.
Consumer complaint received 2020-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is trying to collect on an old debt that should have been closed one year ago. Business records provided to XXXX by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for a balance of {$2600.00}. It is now XX/XX/XXXX, exactly 7.5 years into the future. This debt has had no activity but is violating the law by reporting negatively.
Consumer complaint received 2020-03-02
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: EQUIFAX, INC. (FL)

XXXX is trying to collect on an old debt that should have been closed one year ago. Business records provided to XXXX by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for a balance of {$2600.00}. It is now XX/XX/XXXX, exactly 7.5 years into the future. This debt has had no activity but is violating the law by reporting negatively.
Consumer complaint received 2024-05-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC (SC)

XX/XX/XXXXXXXX XXXX XXXX XXXX} It overdrafted my account so now I owe a overdraft fee of {$29.00}. 
This has happened several times and they have charged different amounts each time. 
I have requested them to stop they took money in XXXX XXXX XXXX XXXX XXXX This is not my loan and I didn't sign anything. Explore Credit is an XXXX XXXX 
I am a XXXXXXXX XXXX and this is not right. I have even sent them a letter asking for them to stop. They are very sneaky and need to be stopped.
Consumer complaint received 2021-11-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (GA)

Was in bankruptcy protection from XX/XX/2019 until XX/XX/2019. 
XXXX XXXX reported a late payment on my account during the automatic stay. 
The payment was not late and this violated the protection that bankruptcy provides.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Discover credit card ...

I have good credit with discover, now late payment alway I time with all of my accounts and I have had a XXXX line of credit with discover and a XXXX blanance ... they sent me a notice just this morning XX/XX/XXXX that there are reduced my credit line to XXXX and closing my account in 30 days to witch is unelthilcle they are dosing this because Im XXXX XXXX  my credit file was the same when I had open this account with discover nothing had changed and one account has been in disputed for over 40 years..and the Bk I had on file since XX/XX/XXXX .. and all of my credit cards were opened after that and now discover want to close my account for no good reasons other then not being XXXX
Consumer complaint received 2020-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (GA)

I spoke with Amerasisst credit agency on several occasions regarding a XXXX XXXX account that is not mine. I have also sent a general form of release form from XXXX XXXX regarding the termination of treatment. She said that they would take care of the account and send me documentation, but unfortunately, they fail to do so. One of  XXXX XXXX 's representatives assured me that they will cancel all payments and void any balance, thereafter, due to medical reasons. I can't start to even tell you how I have also been harassed by Amerassit and their company. I have sent documents asking for validation of debt. Please have them to delete this account from my credit report or I will sue in small claims court.
Consumer complaint received 2024-05-16
Product: Credit reporting 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. (FL)

I had a very long stay in hospital in XXXX. During which time I have very little memory or not at all of any requests for credit or why. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX