davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XXXX, XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Back in XX/XX/XXXX capital one froze my checkings & Savings account without my consent or knowledge. I went in the bank to resolve the issue & they had me to show documents of my XXXX & XXXX taxs. I sent those documents in via email and never got a response. Ive been without my funds for 8 months now, which has caused me so much suffering Financially. Ive been reaching out too capital 1 everyday for 8months still no help or no answers. This has put me in such a hardship with my everyday life. Im making this complaint too try too get help before I take legal action and sue capital one.
Consumer complaint received 2018-07-07
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: Bread Financial Holdings, Inc. (NJ)

This problem does not fit any specific category. I have been in a dispute with XXXX 's the billing and collection agency for XXXX XXXX Credit Card purchases since approximately XX/XX/XXXX. 

The charge dispute process and means of attempting to sustain charges is beyond words. I will attach as a PDF the last bill rendered. It shows a Bad of {$37.00}. As per instructions given in a letter I remitted {$16.00} for the shoes I purchased XX/XX/XXXX and there is a credit of {$20.00} representing the fees the letter advised XXXX would write off. I just hung up the phone question how there could be a NEW BALANCE of {$24.00} when there is {$0.00} Purchases ; {$0.00} other debits ; {$0.00} interest but a Fee charged of {$24.00}. 

I spoke eventually with a customer care representative who advised my gal is {$0.00}. She also agreed she would arrange to have the zero balance letter mentioned on the robot menu of choices. 

I will advise you if I do receive it but in view of recently reading this Bureau was set up as a result of the XXXX illegal practices I am following through with the complaint. 

Read their collections practices in the reverse. This is usurious and illegal. They continued to add more fees and interests to the disputed amount. They called me XXXX and 4 times a day with various Caller ID numbers but always from XXXX. Most times they hung up without a word. On two possible three occasions they advised me to call about my bill. It appears that XXXX is well known to this Bureau and what I had researched online indicated they are the billing and collection agency for several big name department stores e.g., XXXX XXXX. I eventually wrote to the Executive offices of XXXX XXXX recommending they end their affiliation with XXXX. XXXX XXXX answer was they could do nothing about the affect my dealings with XXXX had on my credit report and requested they advise XXXX to correct this also illegal practice when there is a dispute. XXXX XXXX response was basically to disavow any ability to deal with the credit rating, the billing issues other than to have reached an agreement I should pay {$16.00} and XXXX would wipe off the fees. 

If you like XXXX can do nothing advise me who can and will end these practices upsetting old ladies such as me. 

XXXX XXXX
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (MA)

Sears posted a message in our online account that we should activate our new cards. We called to let them know we had not received them. The representative indicated she would mail out new ones, and we received them within a few days. We just discovered they hit our credit report with a hard inquiry on the day that we called and it shows as an " application for new credit '' on our credit report. We have to explain this false statement ( our account with them has been open since 1986 ) in order to co-sign a mortgage note for our son. Sears/CBNA needs to train their staff to be compliant with FRCA.
Consumer complaint received 2019-10-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I have a paypal account, i recieved notification from paypal for unusual activity on XXXX XXXX I logged on and saw the unauthorized transfer to an unknown individual. I immediately notified paypal of an unauthorized transfer. They opened the case, on XX/XX/XXXX. 
On the XXXX they sent an message saying case denied transfer was authorized, i called an they said if i had a problem report it to federal authorities. 

I am reporting the theft of my money in the amout ( I do not know the currency ). 

Dispute Case ID : XXXX Transaction Amount : XXXX PLN
Consumer complaint received 2021-12-10
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. (FL)

account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Sequium Asset Solution Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2019-08-06
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. (NY)

The accounts listed below MUST BE REMOVED IMMEDATELY! I filed a complaint with each credit bureau, local law enforcement and the XXXX about the false reporting of accounts in my name! I also found the identity theif 's name and info and submitted it to law enforcement. Yet these accounts are still on my credit. The accounts listed here do not belong to me : 1 ) XXXX XXXX XXXX XXXX   {$1000.00} Opened XX/XX/XXXX XXXX ) XXXX Consumer {$11000.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX   XXXX {$240.00} XX/XX/XXXX
Consumer complaint received 2021-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

I previously filed a complaint ( XX/XX/2021 ) about Wells Fargo refusing to allow me to come out of forbearance and the company has done nothing but stall since then. I've received almost no help and today ( XX/XX/2021 ) I received a letter from Wells Fargo ( see attached ) dated XX/XX/2021 explaining that my account is on hold for review for Federal Housing Administration ( FHA ) Assistance and that Wells Fargo will provide updates via phone going forward. I've asked repeatedly to come out of forbearance and resume payments, but Wells Fargo will not let me ( I feel like I am being held hostage ). Furthermore, now Wells Fargo is asking me to complete a full application with complete income and debt information as well as asking for specifics regarding my hardship for entering into forbearance ( I want out of forbearance ). According to the FHA, all I have to do is let them know that I am ready to resume payment and Wells Fargo is supposed to allow me to do so. Additionally, the FHA says they are not supposed to ask me to fill out a complete loan application in order to deal with amount that is unpaid due to the forbearance. I was current on payments when I went into forbearance and now it seems I can't get out of forbearance without jumping through through all kinds of hoops with Wells Fargo including a complete disclosure of my finances, which I thought they were not permitted to do. Furthermore, Wells Fargo told me that they will decide what program I fit into to deal with the unpaid funds due to forbearance and that I do not have a choice in the matter. This is not what I read in the FHA facts. Wells Fargo will not allow me to change loan preservation specialists. I have complained that the current specialist is no help and they refuse to assign a different loan preservation specialist. Additionally, Wells Fargo Administrative Office told my wife that we can complain all we want and the complaints will just get sent back to the Administrative Offices. So my take on that statement is that it will do no good to keep complaining. Finally, Wells Fargo states they will provide updates via phone rather than in writing which I have asked for.
Consumer complaint received 2022-12-16
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Solution Provide verification of the following : 1. ) The original Application or contract ; XXXX. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; XXXX. ) Original date of default and collection activity begin XXXX. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( XXXX ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

This complaint is about Wells Fargo Home Mortgage not complying in a reasonable time frame for a request of information so that we would have had sufficient information to seek legal advice and perhaps participate in redeeming our home within a reasonable time frame. 

We were asked to leave our home on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on Monday, XX/XX/2018. We did not know that the house had been foreclosed upon and sold. 

ON XX/XX/2018 I contacted Wells Fargo Home Mortgage to request all documentation in order to seek legal advice about our rights. I spoke to XXXX XXXX XXXX Ext. XXXX. I let her know that I was needing all the paperwork in order to contact a lawyer. 

Today is XX/XX/2018. On Monday it will have been 10 weeks and we still do not have the paperwork. 

Also, My husband, XXXX, contacted a XXXX who was the person involved in removing us from our home on approximately XX/XX/XXXX, XXXX said they weren't interested in selling our home. Then the next time we heard from XXXX ( unknown company at this time ) on XX/XX/2018 and told us the movers were coming and we needed to be out of our home. We complied. 

Then on approximately XX/XX/XXXX XXXX tried to contact XXXX again. XXXX left a message. XXXX called back within approximately 2 days later left a message on XXXX 's cell phone that they had an offer they couldn't refuse on our house. 

On approximately the week of XX/XX/XXXX XXXX tried to reach XXXX again and left message. XXXX did not respond. XXXX left several messages. 

On approximately XX/XX/XXXX XXXX tried to reach XXXX again. Within a couple of days XXXX called XXXX back and left a message to say he was travelling and did not have access to the dates or any information. It is XX/XX/2018 and we still have not gotten the information from XXXX. 

The Mortgage was originally through : Wells Fargo Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Payments were due to : Wells Fargo Financial Inc. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-11-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

Citibank published a Notice of Trustee 's Sale for XXXX/XXXX/2012 ( attached ) on our property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, a legal action designed to recover their XXXX Trust Deed Mortgage with a lien against our property. The resultant foreclosure did not generate sufficient funds to cover Citibank 's TD. Citibank now expects us to cover the difference in a second debt collection legal action in direct violation of California XXXX Section XXXX ( a ) [ Single-Action Rule ; also attached ]. I brought this matter to the attention of XXXX at Citibank ( direct phone # XXXX ) who responded that after their legal review they do not believe California 's XXXX Rule applies. Please kindly let me know whether or not the state 's XXXX Rule governs here. Thank you very much. 
P.S. I have also attached a letter from XXXX XXXX XXXX ' Office, California XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I reviewed my credit report and found accounts that are not mine. I also found inquiries that were not made from myself. I have attached the report I made with identity theft.gov. This report goes more into detail of what I am reporting.
Consumer complaint received 2021-08-25
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. (VA)

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (TX)

This account is showing on my report as closed as of XX/XX/2023. Today, a late payment was hit on my account, dropping me XXXX points. I do not understand how a closed account with no history of late payments can suddenly do this and drop me XXXX points. If this account is closed, it should not be able to make updates to my report 3 months later.
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The vehicle in question was purchase in XXXXXX/XX/2016 I was not in the country because left to work overseas inXX/XX/2016. I submitted the police report and a signed affidavit to complete the investigation. This loan was obtained fraudulently,
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

PHH Mortgage owes me {$3200.00}. 
PHH Mortgage Services purchased my mortgage from XXXX XXXX on XX/XX/2021. One half of the annual XXXX County RE taxes was due to be paid on XX/XX/2021 in the amount of {$3400.00}. PHH Mortgage Services failed to make the payment. The full amount of RE tax, {$6900.00}, was therefore due on XX/XX/XXXX. PHH mortgage failed to make that payment. As a result, XXXX County issued me a notice that I was in default for failure to pay the RE tax. After repeated attempts to talk to customer service as PHH Mortgage I made the full payment of RE tax {$7100.00} to the County that included a late payment penalty and interest of {$190.00}. PHH Mortgage issued me a check {$3800.00} in XXXX stating their was an excess of escrow in my account. I finally reached PHH Mortgage who have contended there wasn't enough money in escrow to make full restitution of the real estate tax. Therefore I was not due the balance of the RE tax of {$3200.00}. I believe either PHH Mortgage made an accounting error or PHH Mortgage did not obtain the full amount of escrowed from XXXX XXXX. Regardless, the error was made by PHH.
Consumer complaint received 2022-03-22
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 (NJ)

I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. 

XXXX has received my FTC Identity theft report, FTC Complaint and Affidavit, and proof of identification via USPS certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX signed for by XXXX agent XXXX XXXX, there is no proof to the contrary. XXXX  is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt
Consumer complaint received 2021-08-25
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 (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.