davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Capital One N.A. regarding the closure of my accounts ending in XXXX ( Savor One credit card ) and XXXX ( Walmart credit card ). I believe that the bank 's decision to close my accounts was unreasonable and unjustified, as it was based on the assumption that the account activity was not consistent with personal, family, or household purposes. I assure you that both of my accounts were solely used for family and household purchases, ranging from groceries and streaming services to restaurants. 

In their letter dated XX/XX/2022, Capital One cited their concerns about my account usage as the reason for closing my accounts. However, I admit that there was an incident involving a fraudulent transaction due to my mistake of using a sketchy website ( s ), which led to my card being compromised. The bank conducted an investigation, and the resolution was in my favor, indicating that it was not considered first-party fraud. 

If Capital One believed that the fraudulent activity was indeed first-party, I should have been provided with the evidence they found and given an opportunity to defend myself. I would have submitted my hospitalization records from XX/XX/XXXX to XX/XX/XXXX, which show that I was recovering from a XXXX during that time, proving that I was not involved in any fraudulent activity. 

In light of the above, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in having my accounts with Capital One N.A. reinstated. I also request that all evidence used in the decision to close my accounts be included in the result letter, as I believe that I am entitled to transparency and a fair assessment of my accounts, considering the circumstances and the lack of evidence supporting their claim. 

I have attached copies of relevant correspondence and documentation to support my complaint, including the letter from Capital One, and transaction history demonstrating the account usage for personal, family, and household purposes. 

Thank you for your attention to this matter, and I look forward to your prompt response and assistance in resolving this issue.
Consumer complaint received 2020-08-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Hello, I purchased my home at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX in XXXX. I paid off my home to World Savings Bank in XXXX and XXXX. 
After the World savings Bank Wachovia tried to foreclose our home we send them the Pay off documents and they went away. Years later. Wells Fargo bank NA recorded forged documents at the county In XXXX and stole my home on XX/XX/XXXX. Wells Fargo has no shame and they recorded forged documents with IRS indicating that I Abandon my home. I took Wells Fargo bank NA in XXXX to court and were in court under an injunction when they stole my home and shamelessly evicted me and children forcefully from my Paid off home. These criminals are not above the law and the pain and hardship that they have caused on a hard working us should not go without them being punished for their crime.Please help.
Consumer complaint received 2023-03-15
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: Mercedes Benz Financial Services (MA)

Hello! i hope you doing well, I noticed unauthorized inquiries on my credit report that I like to be removed, and according to FCRA these unverified and unauthorized items must be removed, thank you!
Consumer complaint received 2020-08-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

Hi, my name is XXXX XXXX and I work for XXXX  XXXX and sending money to my parents. I used MoneyGram for long time but they were not transferring directly to their bank and it was very inconvenient for my old parents to go to bank and withdraw money. It was not safe. Therefore, I found XXXX and starting using it without any trouble. It takes just a click to have the transferred to them. But unfortunately 2 days ago I found out that MoneyGram also started bank to bank services. And according to their website it takes minutes so I decided to use it but unfortunately it didnt worked. I tried to reach them through chat and phone Both but again unfortunately through chat but they are telling me that my case has been forwarded to investigation department. I am good with that but my main problem is that the money has been taken out already ( 2 days ago. Right away when my transaction was completed ). 
My transaction reference nu
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I tried opening a bank Account back on XXXX XXXX, XXXX with XXXX XXXX. However, when they pulled my consumer report, it showed up that I have had 2 prior bank accounts with XXXX XXXX XXXX from XXXX XXXX XXXX Bank of America within a month or so of one another which these accounts were BOTH OPENED ONLINE FRAUDULENTLY!! 

I contacted both banks, personally, once receiving a letter in the mail regarding a check in the amount of {$6000.00} plus dollars, was attempted to be deposited into the account via the web or app picture submittal on the newly opened bank account. This check came back as a Fradulent check & was returned! 
I HAD ABSOLUTELY NO IDEA UNTIL RECEIVING A NOTICE BY MAIL OF THE ACCOUNT EVEN BEING OPENED!! 
Not even a month or 2 later, they opened another account online with Bank of America. Exact SAME WAY, online. Attempted to deposit EXACTLY THE SAME CHECK VIA THE APP ONCE AGAIN. JUST THREW A NEW BANK ACCOUNT THRY OPENED ONLINE WITH A NEW FINANCIAL INSTITUTE!!

Once again I received a notice by mail of the RETURNED FRADULENT CHECK which was written off a bank account from Over seas!! 

Anyways, I immediately went to each bank, and closed each account, IMMEDIATELY AFTER RECEIVING THESE MAILED COMMUNICATIONS IN BOTH INSTANCES!! 

In both instances, the financial institutions NEVER GAVE ANY MONIES TO THE ACCOUNTS OPENED. IN BOTH CASES. THEREFORE THERE WAS NEVER ANY MONETARY VALUE FOR EITHER INSTANCE. 

SO ONCE VERIFYING MY IDENTITY AND THE FRAUDULENT OBTAINED ACCOUNTS AND EACH INSTITUTION COMPLETED THEIR OWN FRAUDULENT INVESTIGATION. I WAS CLEARED OF ALL WRONG DOINGS IN BOTH CASES. AND TOLD I HAD NOTHING TO WORRY ABOUT!! 

Now, THESE EXACT TWO FRAUDULENTLY OBTAINED ACCOUNTS OPENED IN MY NAME ILLEGALLY ALL THIS TIME AGO. IS CURRENTLY PREVENTING ME FROM OPENING UP ANOTHER PERSONAL BANKING ACCOUNT WITH MY ACTUAL SATISFACTORY FINANCIAL INSTITUTION AT XXXX XXXX!! 

I have faxed and completed EVERYTHING I WAS ASKED TO COMPLETE, via by phone with you all, XXXX XXXX XXXX as well as Bank of America. 

However it is now going on MONTH FOUR AND I HAVE STILL RECEIVED ABSOLUTELY NO RESOLUTION REGARDING THIS INACCURACIES WITHIN MY ACTUAL CONSUMER CREDIT REPORT FROM YOU ALL. 

PLEASE CORRECT THIS INACCURACY IMMEDIATELY. AS I AM FIXING TO PURCHASE MY SECOND HOME AND CAN NOT DO SO UNTIL THIS ISSUE HAS BEEN RESOLVED FINALLY!!! 
ALSO I CAN NOT EVEN OPEN ANOTHER BANK ACCOUNT WITHIN MY BANK UNTIL THIS ISSUE HAS BEEN RESOLVED AS PROMISED FOUR MONTHS AGO NOW!!

I WAS PROMISED RESOLUTION IN A MAXIMUM OF 15-30 DAYS!

YET ITS BEEN FOUR MONTHS TO DATE, AND STILL NO RESOLUTION OR CORRECTION OF MY CONSUMER CREDIT REPORTING AND CURRENT STANDINGS WITH MY CONSUMER REPORT HAS BEEN BROUGHT TO DATE AND CURRENT SHOWING I HAVE A GREAT CREDIT STANDING AND ALWAYS HAVE!!! 

Please correct this immediately.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had initiated a dispute with Transunion on XX/XX/2018 due to XXXX XXXX XXXX reporting an inaccurate balance for a creditor that had been settled with. Its been 4 months which is well over the alotted time for a company to respond to a dispute before it has to be removed by the reporting credit bureau. I called to inform Transunion of these facts and they claim to not have any record of my XX/XX/XXXX dispute even though my credit report indicates that it is in fact in dispute with the comment " consumer disputes information ''. After requesting that it be removed per FCRA laws they refused and only offered to place it in dispute once again. My credit reporting is being marred by the debt collector with misinformation and by transunion for not using due diligence in deleting it from my report for the debt collectors failure to respond within the alotted time frame.
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2019, I withdrew/transferred {$75.00} to my bank account. I had an overdraft fee from a courtesy pay that I was covering because I knew I had another withdrawal that needed to come out on XX/XX/XXXX and I needed it to be covered by my courtesy pay. The withdrawal never happened, it didnt even show on my account transactions, so I called Amex Serve Card on XX/XX/XXXX because the transfer never took place and my courtesy pay could not pay my transaction, so I ended up with another bounced check fee and the bill that courtesy pay would have covered didnt get paid. When I called Amex they told me it could take up to 5 business days for a transfer to take place. I told them I have done this many times and it never takes more than 2 days for the transfer to take place. Then when I checked my transactions this morning XX/XX/XXXX it is on my transactions for XX/XX/XXXX, even though they deducted the money from my account on XX/XX/XXXX. Now I cant even dispute the transaction with the bank based company n the  transaction date, which was before the auto pay date. So I have charges from the bank, my car payment company and my car payment didnt get paid.
Consumer complaint received 2018-12-28
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CO)

I received a response letter from US Bank dated XX/XX/2018. I responded to this letter with all information requested from US Bank and re-iterated my concerns ( see attached ). In this letter, I disputed all mentions of any negative payment status to include late payment information showing up on all 3 of the major credit reporting agencies. As requested by US Bank, I attached copies of the disputed information showing up on the 3 major credit bureau reports. The reason why I am disputing this is that I was advised by a US Bank Home Mtg representative to miss at least 3 payments as a condition to qualify for a short sale of my home. On numerous occasions, I have asked US Bank Home Mortgage to provide proof in the form of a recorded phone conversation with US Bank that I was indeed advised to miss at least 3 payments as a condition of the short sale. US Bank Home Mortgage has still been unable to provide any evidence to the contrary or in support of my concern. I submitted this letter on XX/XX/XXXX and it was received by US Bank on XX/XX/XXXX ( see tracking ). It is now 32 business days later and I have not received a response from US Bank regarding this concern.

Please note that I sent a separate unrelated concern to US Bank which was received by US Bank on XX/XX/XXXX, they sent an auto-generated response of insufficient information dated XX/XX/XXXX ( this response was almost identical to the one I received on XX/XX/XXXX ). I do not consider this a timely response to my concern received by US Bank on XX/XX/XXXX.

As US Bank did not respond to my concern within 30 days, I am requesting they remove all negative reporting / late payment reporting to all 3 credit reporting bureaus.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

On Experian tried disputing a late credit card payment due to the mandatory government shut down due to Covid-19 and not being able to obtain UC benefits til later. They said dispute was completed and would be updated, nothing has happened. Also paid off a debt collection, it is closed and paid off, it is still showing on all 3 credit reports on Experian but was removed from XXXX  and XXXX  on XXXX XXXX. My scores on Experian have not updated in almost 2 months. I have paid off my credit card, paid off 5 months worth of car payments, paid off a debt collection and paid bills on time, still no score change. My wife and I are trying to get a mortgage and this is completely stopping us from growing as a family. When I spoke to a Experian customer service agent they told me that some companies do not report to them so they dont have to update their files. All of my other credit  score apps have updated, and been showing me my new scores. This is just completely unacceptable.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX is having no problem at all updating my credit report. EQUIFAX IS THE ISSUE. They will not update my credit report and when I call about it they want me to mail them a copy of my social security, address, drivers license and birth certificate! I cant ever get ahold of someone who works with equifax that lives in America and quite frankly I find it extremely suspicious that a team in the XXXX is requesting this information. Im extremely upset that an American company can have such a negative impact on my credit score but not even allow me to speak to someone state side. I have had people try to scam me before so I am just extremely uncomfortable with this and do not understand why they have so much authority on my life. I have been trying to get a loan for a car but they are refusing to update my credit report.
Consumer complaint received 2023-06-13
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. (MS)

Experian has repeatedly violated my consumer rights and refused to remove this fraudulent account ( XXXX  # XXXX ). 

I have sent 2 different identity theft reports to Experian. 

I have sent a demand for validation of debt. 

I have spent countless hours on the phone with them including many of their supervisors. 

I have disputed this fraudulent account through Experian more times than I can remember. 

I have submitted several CFPB complaints. 

I have spent countless hours researching laws so that I can understand what I have to do to get this account off of my consumer credit report. 

Not ONCE has Experian shown proof of their supposed detailed investigation into this account. 

Experian has directly harmed my reputation, my finances, my mental health, and my emotional health. 

As of today XX/XX/2023 I have mailed ( via certified mail ) a notarized affidavit of truth ( copy is attached to this complaint ) stating facts about how Experian has violated my consumer rights time and time again. Attached to this affidavit is a file of exhibits which show clearly how I have been violated. 

Experian attempts to say that it is all the responsibility of the bank with which the fraudulent account is open. HOWEVER, it is EXPERIAN which is furnishing this information publicly and so it is the liability of Experian to show clearly how they have supposedly done a thorough investigation and validated this account as accurate. 

As shown in the attachments, Experian reports different dates associated with this account. They also report different opening dates and $ amounts than XXXX reports. Additionally, XXXX has already deemed this account as fraudulent and permanently deleted it. 

A charge off is considered as a taxable income which can not be reported on a consumer credit report. Experian reports this account as a charge off. 

In the attached Affidavit, you will see where Experian has violated my consumer rights a minimum of 27 times. 

This complaint will also be going to the XXXX, FTC, and attorney general. 

If Experian can not rebut every single fact stated in my affidavit, they must permanently delete this fraudulent account and send me a written statement affirming this permanent deletion. Furthermore, they must send me financial remedy as detailed in the attached Bill of Particulars. 

I am asking for help in correcting my report, but if I do not get it I will be pursuing legal action.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OK)

I see on my credit report these accounts are unverifiable invalidated in accurate and questionable if everything is not reporting 100 % accurate it must be removed. According to law unverifiable in accurate accounts must be removed and if youre on able to provide me a copy of the verifiable proof within 15 days.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Inquiries I did not authorize : XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  Calls were made to credit bureaus and customer service would not address incorrect information Unverified accounts : XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$420.00}
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AXOS FINANCIAL, INC. (CA)

My current mortgage lender Axos Bank solicited my business for refinancing the mortgage. I started an application process ( Loan # XXXX ) on XX/XX/2021. While I submitted all documents necessary for processing the application as discussed and mutually agreed to in my conversations with the Loan Office XXXX XXXX, Axos Bank continually asked for more detailed bank statements that included private information about equities I own as opposed to summary balance account information. I refused divulging this private information and as agreed to the loan officer XXXX XXXX. I offered to provide complete bank account balance summary information as documented in my emails with the bank. Since Axos Bank did not respond to my offer of providing these bank statements by email or voice calls, I decided to suspend this mortgage application as documented by my communication to the bank on XX/XX/2021. Axos did not respond to my request to suspend my application instead sending me a Letter of Declination dated XX/XX/2021 that DID NOT acknowledge the fact that I HAD CANCELLED the application. Instead, Axos through willful negligence and malicious intent stated other reasons for declining the application that were not based on facts relating to documentation issues. This mischaracterization has caused injury to my outstanding credit ratings, their non-transparent requirements as agreed to and stated by their loan officer during the application process has wasted my time and effort for the application, and their repeated absence of communication through critical parts of the application process is willful negligence. 

Axos Bank has been consistently evasive and non-responsive about communicating with me through either email or phone through this process prompting me to file this formal complaint with CFPB. Their actions are anti-consumer with potential implications for punitive and other damages. I have documented my outreach to the bank to get answers for this appalling and potentially illegal and discriminatory actions by the bank and the absolute silence by Axos Bank, which is an entity in the regulated finance industry : XX/XX/2021 : Email to XXXX XXXX and XXXX XXXX Subject : Letter asking Axos Bank to suspend my loan application summarizing my reasons underscoring the unsatisfactory performance by Axos Bank as cause for deciding to withdraw the application Response from Axos Bank to suspend my application : NONE XX/XX/2021 : Email to XXXX XXXX, XXXX XXXX and XXXX XXXX Subject : Formal complaint regarding malicious and improper characterization of reasons in Letter of Declination from Axos Bank received by mail Response from Axos Bank : NONE XX/XX/2021 : Phone call and voicemail to XXXX XXXX Subject : Final attempt to get a response from Axos Bank regarding my complaint on XX/XX/2021 ( stated in ( b ) ) Response from Axos Bank : NONE
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Williams & Fudge, Inc (MI)

Williams & Fudge I, has performed a Hard Inquiry from my personal credit report on XX/XX/2019 without my knowledge or consent to this action. I'm not currently performing any business with this organization.