davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Over a month ago, my debit card was expired and the Capital One Bank called in and helped me to order a new one, but that one never arrived. Because of the Covid-19, the mailing system was corrupted, that's why I didn't really pay attention to it. A month ago, I checked the Capital One Bank App on my phone, and told me now I owe {$8600.00}, and I used to have a XXXX  dollars in the account. I didn't know what to do, so I visited Capital One branches for help for two days, but no one was willing to help. I saw the bank transactions, the fraud deposited 2 checks, total of XXXX XXXX dollars, then he took it out, and got the check reversed, that's how I owe {$8600.00}. He got my " lost debit card '' and doing withdrawal from ATM. They are experts. They also access to my banking account to make it seems normal. However, on the days, I was working, my boss can provide the evidence and I haven't check on that account for months. The bank didn't even check on the cameras. I don't really know how they did their investigation. So I went to the police to report, but the police said the bank needs to provide fraud affidavit form, then they can start investigation. Then I started to call the bank, they said they would investigate, then they just leave it alone and closed the case. 
I I keep calling the bank about two weeks already. I asked to speak to the manager, and they won't transfer, and telling me the rules of their bank. I really don't know what to do now. Please help.
Consumer complaint received 2021-11-09
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: Navient Solutions, LLC. (OH)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This just proves that XXXX and XXXX Credit Bureaus are lack proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.
Consumer complaint received 2022-03-23
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)

Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked Experian, XXXX, and XXXX to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.
Consumer complaint received 2019-09-19
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. (NJ)

I have recently been harassed and called by multiple debt collectors in an attempt to retrieve payment for a debt that I have never had prior knowledge of or gave consent for anyone to open on my behalf. Ive notified the creditor of the debt that I have no responsibility to the account and that it was opened fraudulently and needs to be removed but I have not had any success in resolving this matter thus far.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MT)

I am an existing client of Quicken Loans. In late XX/XX/2019, I was interested in acquiring a 2nd home and applied for pre-approval letter to get the process rolling. Spoke with loan officer, XXXX, originally, and stated I was interested in $ XXXX - $ XXXX. All was good. I was switched to a VIP Exec Mortgage Banker, XXXX XXXX and on XX/XX/2019 received a pre-approval letter stating approved for up to $ XXXX good through XX/XX/2019. I spoke with him on several occasions as I was unsure of what property I wanted to purchase wanting to keep options open. I was clear that I was looking in the {$50.00} - XXXX range. On XX/XX/XXXX, I sent a listing to him for a home for {$56000.00} asking for thoughts and value review. We then had a phone conversation where he stated they can't loan under essentially $ XXXX as fees can't exceed 5 % of loan and with certain 'flat fees ' the 5 % would be exceeded. Therefore, they couldn't write the mortgage. I was looking at other financing arrangements, simultaneously, but hadn't determined I wouldn't use Quicken if I chose a different property. The next thing I received was an email to review an updated notice on their website. I opened it to learn I had been rejected and several items pointed out on my credit report. Although, a new report had not been pulled and nothing had changed. I was shocked. I sent an email request to their customer service asking for an explanation of why I wasn't informed up front that they don't lend under $ XXXX and fees can't exceed 5 % and requested a breakdown of the " flat fees ''. A resolution advocate, XXXX XXXX, contacted me by phone stating I could call to dicuss. We, literally, played phone tag for almost a month. Yesterday, I reached my limit of patience and left her a voice mail stating I didn't need to discuss, I simply wanted a document stating the $ XXXX AND 5 % FEE confirmation. I received an email from her stating that are not able to provide what I was asking for. My concern is are they trying to up-sell and when I wasn't interested then they weren't interested in the small mortgage and created this excuse? Is it possible since I'm now a senior citizen, they are not interested and looked for a reason to deny a mortgage? I'd been fine if they had stated upfront $ XXXX XXXX is too small and I'd moved on. They kept me tied up for over 2 months, I missed some market opportunities and spent a considerable amount of time collecting the required documents and uploading to their website. They talked about once doing business with them it would be much easier in the future. I have a paid mortgage and a current 1 with them. I strongly question how this was either ethical or legal that this transaction was handled in such a fashion and it certainly wasn't easier. Thank you for your time and consideration. XXXX XXXX XXXX
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Immediate Action Needed : Unauthorized Refinance Application & Credit Pulls : Writing today regarding Loan Number XXXX serviced by Mr. Cooper/Nationstar. On XX/XX/2022 Agent XXXX XXXX ( XXXX ID XXXX ) initiated an unauthorized refinance application for this loan and conducted credit pulls that were neither requested nor authorized for my wife and I. 

I have emailed and left voicemails for XXXX, as well as the supervisor identified on his voicemail XXXX XXXX, with multiple requests to confirm this unauthorized refinance application was cancelled, as well as the credit pulls reported and reversed with the Credit Bureaus. A full week has passed since the unauthorized application and credit pulls were conducted by XXXX and neither he nor anyone from the Mr. Cooper/Nationstar Team has provided any responses to show action on this. 

In addition to the messages with XXXX and XXXX, I spoke with the Executive Resolutions Team on XX/XX/XXXX who assured me I would receive a response from XXXX or XXXX. XXXX business days have passed and once again there have been no responses. 

I am requesting immediate assistance from the proper management positions and fraud resolution team as I have received no response on this matter- all based on a refinance application that was neither requested, authorized, nor consented to. 

XXXX XXXX
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Global Asset Management Group, Inc. (CA)

On XXXX/XXXX/XXXX I received a harassing call at my place of employment from a man by the name of XXXX XXXX from a company by the name of XXXX XXXX ( Address provided : XXXX, CA ) XXXX. XXXX XXXX said they handle legal claims prior to litigation. XXXX XXXX also said this was an account I had opened with XXXX XXXX in XXXX XXXX and that the last payment was made in XXXX. I informed XXXX XXXX that I never applied nor I have a credit card from XXXX XXXX. He said that if I did n't settle right then, I would be taken to court and be liable for their legal fees. I asked XXXX XXXX to stop calling and especially at my place of employment, he told me see you in court!. 

Today, XXXX/XXXX/XXXX, I received another harassing call from a woman from the same company saying she was handling my law suit and that I needed to pay or else I would be taken to court and be responsible for court and legal fees. She said I had opened an account at XXXX XXXX in XXXX and purchased items that I never paid back. I told her I had never had a credit card from XXXX XXXX, but cut me off and threatened me with garnishing my wages and going after any assets I have, including bank accounts and property if I did n't pay them. She then hung up on me. Both people from this company were very threatening and made sure that my place of employment knew they were calling about a legal matter.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (GA)

Chase describes fees for sapphire reserve at XXXX 16.99 % 23.99 % variable APR. They charge me several points higher, and made no change to reduce me to this range despite having lower interest rates this year across the board. 

When checking their terms, it is listed as : 16.99 % to 23.99 %, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. 

Meaning, they checked my credit and decided to place me above their own stated range. This is misleading. This is fraud.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Consumer complaint received 2021-11-30
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Despite several disputes to the credit reporting agencies, XXXX XXXX continues to report an account that should have removed years ago. The entry- under account number XXXX- was opened on XX/XX/XXXX and subsequently closed on XX/XX/XXXX. While the account was closed in a negative status, it should have been removed almost XXXX year ago. My complaints have fallen on deaf ears.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-10-19
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. (FL)

EQUIFAX CONTINUES TO FASLEY STATE THEY HAVE NOT RECEIVED REQUIRED DOCUMENTS ACCORDING TO FCRA XXXX XXXX I HAVE SENT PROOF OF DOCUMENTS AND TRACKING NUMBER IN PREVIOUS CFPB COMPLAINT WITH EQUIFAX AND THEY CONTINUE TO WILLFUL NON-COMPLIANCE AND DEFAMATION OF MY CHARACTER ALONG WITH FURTHER DAMAGING MY CREDIT REPORT. I HAVE PROOF EQUIFAX FALSELY STATING THEY HAVEN'T RECIEVED MY DOCUMENTS IN THEIR LETTER I HAVE RECIEVED ON XX/XX/2022. I HAVE RESULTS THEY HAVE GIVING ME OF PREVIOUS DISPUTE RESULTS OF THEM RECEIVE MY POLICE REPORT AND FTC IDENTITY THEFT REPORT FOR EQUIFAX HAS REMOVED SOME BUT NOT ALLLLL FRAUDULENT ITEMS WHICH WAS REQUESTED NOW EQUIFAX REFUSE TO SEND ME PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS FOR THIS FRAUDULENT ACCOUNT WITH XXXX  XXXX. EQUIFAX CONTINUES TO VIOLATE MY RIGHTS TO PRIVACY AND DISHONOR FCRA 605B AND NOT PROPERLY INVESTIGATION AND BLOCKING AMD DELETING ITEM ACCORDING TO SECTION 605B SO THIS WILL BE PROOF OF DEFAMATION OF CHARACTER, WILLFUL NON-COMPLIANCE, AND DAMAGING MY LIVELIHOOD DUE TO ENABLEMENT OF THIS FRAUDULENT ITEM AMD WILL BE PRINTED OUT AND USED FOR REMEDY AND PROOF FOR YOUR DAMAGES AND VIOLATIONS AFTER RECEIVING THIS REQUEST.
Consumer complaint received 2022-05-13
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)

The credit inquiries on my credit report are not mine, inaccurate information is being reported on my credit report and XXXX, XXXX and Equifax have all neglected and refused to remove false information being reported under my name. Someone else whom I am unaware of has used my information without my permission and knowledge. I have also contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX directly as advised by the credit bureau and also the companies themselves have made it impossible to get the fraudulent information removed from my credit report.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (TX)

I had made several attempts over the past 5 years to get a lower monthly payment with Barclays. I went in to the hardship program twice. The initial time I only had to make payments of {$100.00} and the second time it went to {$150.00} which at the time I informed them I could not afford. Once the card went back to regular payment plans they request over {$400.00} a month in monthly payments just to maintain the balance. I do not truly owe the entire amount shown on the account as a majority of it lies in fees, penalties, and interest. They would only allow me to go in to hardship once I was behind on payments, which I was penalized for, and kept increasing the hardship payments. It was a battle and struggle to just maintain the debt on this account. I would like to reach a settlement with this company with reasonable monthly payments that I can afford. There is no way I can afford a {$400.00} a month card payment to keep the same balance while also paying a car payment and student loans and so on.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CO)

On XX/XX/22 I placed an order with XXXX XXXX  in the XXXX XXXX that totaled {$120.00}. That did not include transportation charges. I asked them to advise me of what the transportation charges would be before accepting and shipping my order. The next day they told me how much that would cost, and I decided not to proceed and told them to cancel my order. My problem is that my credit card company did not refund the foreign transaction fee of {$1.00} and also refunded me {$1.00} less than the original purchase amount. To correct this I am seeking a refund of {$2.00}. I just want to be made whole for a transaction that never went forward and was cancelled.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit inquiries on my credit report are not mine, inaccurate information is being reported on my credit report and XXXX, Transunion and XXXX have all neglected and refused to remove false information being reported under my name. Someone else whom I am unaware of has used my information without my permission and knowledge. I have also contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX directly as advised by the credit bureau and also the companies themselves have made it impossible to get the fraudulent information removed from my credit report.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

I Was Charged For A Balance Transfer, By TD Bank, That I Did Not Approve. Plus The Fee. The Total Amount Is : {$2300.00}. This Transaction Was On XX/XX/2022. This Fraudulent Theft, In Addition To The Amount, That I Have Listed, In My Previous CFPB Complaint # XXXX Of {$2400.00}, Will Make The TOTAL That TD Bank Scammed From Me Is : {$4700.00}. My TD Credit Has Been Locked.
Consumer complaint received 2022-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

XXXX flood insurance quote was obtained from XXXX XXXX with XXXX XXXX XXXX This was at the request of RP Funding due to our shed being in a flood zone. Therefore, an escrow account could be established for the expense on the refinance loan. 

XXXX email between RP Funding Fulfillment Team, XXXX and XXXX XXXX at XXXX XXXX XXXX. It was determined a flood insurance policy was not needed due to the shed not being in a flood zone. Therefore, the policy that was started was cancelled before any funds could be placed into our escrow account. 

XXXX XXXX XXXX XXXX Notice was received by mail from RP Funding. It stated we do not have proof of coverage or the current coverage we have on record has expired. We require proof of coverage from XXXX forward. 

XXXX I contacted RP Funding. They told me exactly what the letter had stated. I needed to provide proof of insurance. I tried to explain what had happened in XXXX with the escrow account and it being established by the XXXX XXXX XXXX that Flood Insurance was not needed. 

XXXX I contacted XXXX XXXX about the audit and she sent me the emails that occurred on XXXX. Several documents were sent by FAX by XXXX XXXX at XXXX XXXX XXXX to the Flood Insurance Department to provide support to my not having insurance XXXX Another letter was received and was a duplicate of the first letter. Proof of insurance was still needed and if we could not provide proof that insurance was to be obtained at our expense. 

XXXX Sent formal letter with complete facts about this situation by FAX to the Flood Insurance Department. XXXX XXXX with Guided Insurance assisted me in getting a flood insurance quote sent to RP Funding. Both of us sent the information by FAX. 

XXXX Called RP Funding and was informed that insurance quotes are not accepted and would need copies of insurance policy when issued. I immediately called XXXX XXXX and had him bind the quote and sent the policy to RP Funding by FAX. Since there is a waiting period of five days the policy went into effect XXXX. The cost for the annual policy was {$820.00}. 

XXXX Several attempts were made by phone to find out if the insurance paperwork was received but no one was able to tell me anything for certain. I was however able to get the direct phone number to the Flood Insurance Audit Department. I was informed that the Fulfillment Team made an error in the determination of the flood designation for the shed. According to their records, it is in a flood zone and we would still be required to provide proof of insurance from XXXX to XXXX regardless of their mistake. 

XXXX RP Funding purchased the flood insurance and was posted to our escrow account for {$2400.00} XXXX Flood Policy Notice came in the mail along with the Notice of Insurance.
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I noticed National Credit systems on my credit report stating that I owe an apartment complex by the name of XXXX XXXX. I called the apartment complex which the lady I spoke with said no we dont have your information on file. I called national credit systems and the lady I spoke with was very rude. She wouldnt let me talk and when I decided to speak up and inform her that I was a victim of identity theft and I never lived at this residence she hung up on me. I tried to call back she wouldnt answer. I found their email online on their website and emailed the required documents on XXXX XXXX. This collection is still on my credit report which it should not be at all. I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX. This debt is not mine.. The information listed below, which appears on my credit report, does not relate to me. This account was fraudulently opened in my name. XXXX also decided to hang up on me when I said I was submitting a complaint.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting, XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Accounts # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.