davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am victim of ID theft. A thief used my information to open a Capital One credit card using my personal information. I do not know how this person got my information, or who is doing this. This credit card was opened around XX/XX/XXXX, I discovered this XX/XX/XXXX. I reported this to Capital One as fraud and also XXXX. XXXX submitted documents on my behalf to verify my information with Capital One and to start a fraud claim with Capital One to get this resolved. During this process many documents were sent to Capital One and finally on XX/XX/XXXX my XXXX agent reached someone in the Capital One fraud department named XXXX. XXXX told my XXXX agent that this Capital One card was closed as fraud on XX/XX/XXXX and would submit a request for a letter to be sent to me showing this is closed. Then on approximately XX/XX/XXXX I started getting more statements in the mail with Capital One requesting payment from me. Then to add insult to injury they have now reported this to a collection agency called XXXX XXXX XXXX ( XXXX ). Capital one needs to recall this fraudulent account from XXXX XXXX XXXX ( XXXX ) and get this closed as fraud again in their system and stop harassing me for something I did not do, was not a part of, and did not benefit from. Furthermore, if they feel the need to hold me responsible I need more of an answer than, " We didn't suspect fraud. '' What concreate evidence and documents do they have showing this? I need all these documents they are using to deny my claim.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian is reporting an incorrect address on my credit report. I've never stayed at this address nor have any relatives that lived at this address. 


XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I had a scheduled payment on XX/XX/2022. I was notified by Amex that the payment on XX/XX/2022 was returned due to insufficient funds but that no action was needed from me because they would make another attempt. I was then charged a {$29.00} Return Payment Fee. I was surprised because it never happened before. And there were funds in the paying bank. Later the payment went through with no issue. 

I contacted American Express for a refund of the {$29.00} Return Payment Fee. But the agent XXXX from Website Chat told me that he could not help me in any way that I should contact Customer Service by phone. I called American Express, and the agent XXXX told me the fee was charged by the paying bank and she could not do anything at all and that I should contact the paying bank for reimbursement. 

I then contacted the paying bank, XXXX, the representative told me that XXXX did not charge any fee in the process and I should be contacting Amex. 

I am really disappointed in Amex agents scripted answer and basically it was a lie and very misleading. They would not provide any help and just wanted to turn me away. I do not think this charge should be on me or the paying bank, XXXX.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My current address is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Please remove these addresses that I have never lived or belong to a relative : 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 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My current address is : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Please remove these addresses that I have never lived or belong to a relative : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NE)

I had two deferred interest plans on my Zales ( Comenity ) account. I paid extra every single month to make sure they were paid off in time. Comenity did not credit my payments correctly, so that they could tack on the accrued interest. I'm attaching a detailed description of exactly what they did. Now, the account has been sold off a few times and I'm taking a hit on my credit because of all of this.
Consumer complaint received 2024-03-22
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Georgia Student Finance Authority (TX)

When I decided to switch from regular payments to principal only payments the representative told me I can do that but it has to be via check. I began doing that first few times there were no issues. And then I get reported to my credit. Knocking me XXXX points. Im confused because Ive been paying. I reached out several times and ask to communicate through email. I got a call instead I was told a manager would call me never did. Sometime later I had to call them and the rep said oh these down count as payments therefore youre late. If I was told this initially I wouldve just continued to pay online. The way in which the funds were allocated is hindering me yet GSFA still received money from me. They did not make it clear and no where on their site as of today does it say this does not count as payment. I wouldnt willingly dump money on the principal knowing it doesnt count as an on time payment. I reached out to them through their website again and I have not heard back. I disputed this on my credit yesterday and less than 24 hours they engaged with that and nothing came of it. This company is really wicked. Im sure their are people who dont pay at all and Im being punished for the way I paid when no one said it wasnt allowed!! When she said I could do it she shouldve said it would not count
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (OK)

I was part of one of thousand of people that had an account with wells fargo from XXXX. I closed my account due to the state i moved in did not have wells fargo available. I never got notified about the settlement might be cause i had close my account when I moved to a different state.
Consumer complaint received 2022-02-17
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. (CA)

I WAS A VICTIM OF IDENTITY THEFT BUT I'M NOT GETTING ANY HELP FROM THE CREDIT BUREAUS. I HAVE TRIED TO SUBMIT MY INFORMATION SEVERAL TIMES BUT THEY KEEP SAYING THE ACCOUNT IS VERIFIED AS BEING MINE.
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (FL)

Because Experian has been reporting XXXX XXXX credit services as verified on my most recent credit report from annual credit report.com I was recently turned down for a car loan. 

XXXX XXXX credit services reports inconsistent information along with multiple inaccurate details. 

No account balance is being reported No last date of activity is being reported No payment history is currently being reported No details on if account was sold or transferred. All violation of FCRA rules section 1681
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

XXXX XXXX XXXX XXXX business loans which were sent by cash app XX/XX/2023 {$300.00} XX/XX/2023 {$500.00} XX/XX/2023 {$1500.00} XX/XX/2023 {$1500.00} XX/XX/2023 {$1500.00} XX/XX/2023 {$500.00} XX/XX/2023 {$8100.00} XX/XX/2023 {$5000.00} XX/XX/2023 {$5000.00} XX/XX/2023 {$5000.00} XX/XX/2023 {$500.00} total amount {$36000.00} All of the cash app transfers came from my XXXX checking account XXXX XXXXXXXX Financial Crimes Enforcement Network is looking into Cash App for money launderers with the help XXXXXXXX XXXX To support the fraud XXXX XXXX sent forward an email from XXXX XXXX Head of Operations XXXX XXXX  XXXX XXXX stating that XXXX XXXX XXXX required taxes to be paid His email is XXXX XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (IA)

The original debt was calculated incorrectly. IQ data was provided the correct amount however is still charging a huge amount of interest and is now refusing to setup a payment plan. They are rude, unreasonable and attempting to collect way more than the debt owed. I have already sent them two thirds of what is owed.
Consumer complaint received 2020-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2700.00}
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

My social security card was stolen from my car due to a break-in. On XX/XX/XXXX, I received an email from Jefferson Capital stating that I am being pursued for collections by them on behalf of XXXX, for an account that I allegedly held between XXXX and XXXX. The total amount owed on the account is {$620.00}. I have attempted to contact XXXX, but have been unable to reach them. I am currently in the process of disputing this with Jefferson Capital
Consumer complaint received 2019-10-18
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: CITIBANK, N.A. (MA)

This account has been re-aged and clearly there is no proper investigation as to what really happened here. The date is way back XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-03-10
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. (AL)

The account with XXXX XXXX is reporting inaccurate information that I have disputed several times. The balance is reporting as {$830.00}. The past due balance is reporting as {$1100.00}. This information is not right. THERE IS NO WAY THE PAST DUE BALANCE IS MORE THAN THE BALANCE. I have already disputed this information and Equifax did not correct the information or delete the account. They allowed the company to verify this OBVIOUS inaccurate information as accurate.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AR)

In XXXX I sent a check for {$39000.00} to have the PMI removed and to have my loan recast. On XX/XX/XXXX, the PMI was removed, but there was an issue with the recast. I called monthly asking for an update and kept being told, that an update was owed in the next month and to call back if the issue remains open. This happened over and over. I had an email get locked and called trying to get information that was in the locked email, but was told no one could help me. IT said that it would unlock in 24 hours and to try again. This was incorrect and no one at the modifications email would respond to my requests for more information on the locked email. I kept asking to speak to someone in the modifications department. I was repeatedly told to email them, I emailed the department and never got a reply. Repeatedly. When I would complain about this to the customer service rep, they would shrug and say all they could do was send an email. Finally I demanded to speak to a supervisor. I was told my call " did not qualify for escalation, as the supervisor would just repeat what I had already been told. '' I was livid and went off. Finally, I was escalated to a supervisor, after XXXX months of trying to get assistance, and was told that Amerihome was waiting on a notarized letter from us. I never received the letter and that is why they had been holding the recast, but no one would answer me or advise that the letter was needed. The supervisor sent a copy of the paper via certified mail to ensure that we got this. We returned this letter on XX/XX/XXXX via certified mail, due to the continued issues we have had. The next week, we called in and my husband and I got different stories. I was told the letter had not been received and to just wait for our mortgage to go to the new company to perform the recast. My husband called in as I was so frustrated. He was told EXPLICITLY that the certified letter had been received and that the recast would occur on Monday XX/XX/XXXX before our loan was sold on XXXX. I called in on XX/XX/XXXX and was told that no the letter had not been received and once again to wait until we are sold tomorrow. I am so flustered with the disjointedness of this company and the flippant behavior that they have towards their customers.
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

So, on are about XXXX thru XXXX of XXXX, I tried responding to paying down some credit card debt with U.S.A.A and had made payment arrangements. I spoke with several agents in the Credit card dept. Talked with XXXX from member debt solution I.D . XXXX regarding my XXXX XXXX XXXX. 

In addition set up automatic payment plans with confirmation I.D . numbers as follows : XXXX, XXXX, XXXX. Spoke with agent XXXX on XXXX, spoke with XXXX on XXXX, XXXX from member hardship I.D . XXXX whom had a negative attitude. 

Essentially, other additional months ensued before some actions were taken because at the time of said arrangements, I believed they were in motion, much to my chagrin arrangements were not honored two months later. This resulted in several expensive fees on credit card accounts however one account remained in an arranged payment status, which is why it was baffling that, U.S.A.A did not answer my many request to alleviate these problems. 

Furthermore U.S.A.A continued to charge fees and place negative remarks on credit report, and since outsourced to collections with XXXX XXXX XXXX of which I have disputed with C.F.P.B and gotten a response in lieu of Covid-19 and inability to get a appropriate determination with U.S.A.A on how this problem got worse
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (FL)

Well what happen is that someone try to open an acct with XXXX XXXX, XXXX dept store, Indigo credit card and i did not apply on these places.and really do not know the procedure.
Consumer complaint received 2022-02-18
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. (VA)

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items are deleted to correct my credit report. 

XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$7200.00}
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (NC)

I checked my Chime app yesterday to see how much money was on my XXXX XXXX  account for me to spend, {$69.00}. I get to the store and my card was declined. I looked at my app again and my XXXX XXXX wasnt even up there, I called chime and they said XXXX account was closed and to wait XXXX  days for a check. I didnt close the account and it is funded at my discretion with my own money. Now I have no money. I talked to XXXX supervisors and they were no help! Ive researched that this has happened to multiple people and tgey NEVER received a check! I want my money put into my checking account. The first of the month I will no longer bank with them!
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (DE)

Im XXXX XXXX and have a PayPal account thats Ive not used in years. I get a call recently that I owe {$300.00} + for an XXXX account I never setup, My email, XXXX, XXXX, PayPal, and Venmo accounts were all hacked. Reinstated my email but cant access PayPal or Venmo anymore. The debit is already in collection and Id like to resolve this. Thank You.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (TX)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year>1988 Social Security Number : XXXX Current Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MD)

On XX/XX/2022, I had an offer accepted to purchase a home. I reached out to a LoanDepot agent to apply for a VA loan. I started the VA application process and during that process, the LoanDepot agent emailed me stating that I needed to pay for a VA home appraisal. I was sent a payment request for {$1000.00} for " Appraisal Fee payment request. '' The LoanDepot agent informed me that this would cover the VA appraisal and any excess money would be refunded. I paid the {$1000.00} with my credit card on XXXX XX/XX/2022. The {$1000.00} charge was completed on XXXX XXXX on my credit card statement. 

The VA appraisal was completed on XXXX XX/XX/2022. LoanDepot sent me the appraisal report on XXXX XX/XX/2022. 

Due to having issues with getting LoanDepot to approve the loan in a timely manner, I switched to a different mortgage company on XXXX XX/XX/2022. I requested that LoanDepot transfer the VA appraisal to the new mortgage company. 

LoanDepot refused to transfer my VA loan appraisal to the new lender ( even though they are required to do so if requested ), and I had to call the VA directly and ask the VA to assist with transferring the appraisal. I purchased my home with the new lender on XXXX XXXX. 

However, to my surprise, the {$1000.00} " Appraisal Fee '' collected by LoanDepot did not go to the VA appraiser. Instead, at closing, I paid a separate {$650.00} bill for the VA appraisal. LoanDepot had kept my {$1000.00} and never paid for the appraisal. 

I immediately emailed LoanDepot on XXXX XXXX after closing and asked them to refund the {$1000.00} VA appraisal fee, as they never paid for the appraisal. The LoanDepot loan officer responded on XXXX XXXX refusing to provide a refund.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

Hello, on XX/XX/XXXX, I was charged a late fee on my account. I really am going through a rough patch. My partner  lost both her jobs, I am financially supporting here right now. I also lost one of my main income sources. I contacted the bank this morning to discuss having it refunded. They were unable to due so. I simply do not agree with charging me a late fee during this unprecdented time. Is there any way we can have this fee absolved? Thanks for your consideration.
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (GA)

I have filed a complaint on Contract Callers INC with CFPB, FTC, XXXX, Georgia Attorney General, XXXX  XXXX, all three major credit bureaus, Contract Callers Inc and the utilities commission and have not received a response yet. This debt was paid directly to XXXX  XXXX. CCI is reporting that debt was paid to grantor. That entry is preventing me from achieving financial goals in my personal life. I have never done business with this collection agency. I want the to delete the entry and remove my information from their data base immediately. This is the second time I have complained with the cfpb regarding Contract Callers Inc.