davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX I received a SaksFifthAvenue / CapitalOne store credit card which I never applied for. Since I already had a CapitalOne card, I believed it was kind of promotional item and I never activated or signed it. On XX/XX/XXXX, I suddenly received a bank statement showing {$4800.00} on this card. The purchases were made on XX/XX/XXXX in XXXX NY store, which was the same day the credit card was opened. On that day, I was working in MA on my company laptop. I immediately reported to Capital One and asked for fraud protection. At the same time, I had my credit reports frozen via 3 credit bureaus. Capital One then sent me forms to be filled in and requested my IDs. After several weeks, on XX/XX/XXXX I received a letter from Capital One saying they believed I opened the card and benefited from the transactions. I called Capital One again on XX/XX/XXXX and waited for nearly 1 hour while they kept transferring me to different people, and finally I was told this case was closed and I need to fax them my IDs or a police report to request info. regarding the account and purchase. I filed a police report and I'm reporting to XXXX.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 

I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 

Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA. 

Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 

I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank is not allowing access to my account on Saturday, XXXX XXXX at XXXX XXXX PST. Access to the account is not available online, through the app or calling the number of the debit card. Therefore, I am not able to access funds through my debit card. Chase Bank is unwilling to escalate my request to unlock my card at this time denying me access to my funds.
Consumer complaint received 2022-05-20
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. (CA)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX15USC 1681 section 602A states I have a right to privacy -15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval
Consumer complaint received 2018-09-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

I files a previous complaint against loandepot in which they lied in their response. 

I have continaully followed up for the result fo the incvestigation promised into the phony appraisal they recieved.. 

In addition they claim to have offered me a loan. Whatthey negelect to mention is I had to pay substantial fees resulting in their illegal false promises and inability to a. ) close byu the time the promised in writing. and b. ) the loan was in no way what I applied for, was promised or needed. Instead it increased their fees, left me with damaged credit, and was unrealistic as well as a breach of fiduciary duty given they committed to the loan then dropped it -- then lied, then took 6 months to sort it out ;. 

I have asked over and opver for them to provide me the result of the investigation into the apprasiser and they refuse to answer. II have concrete proof that id irrefutable that I am correct and the " appriaiser '' never set foot in the house..
Consumer complaint received 2023-07-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OH)

I contacted Navient on numerous occasions back in XX/XX/2023 that I had lost my job and was unable to make the XX/XX/XXXX payment. I requested non-payment until employment, but no help was received. I contacted Navient in XXXX and told them I had a job interview and would notify them of the outcome, but I didn't get the job. I now have a prospect and will start the position in XX/XX/2023. I have asked Navient to stop with the harassing phone calls.
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that you have included the information below in my credit profile 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.
Consumer complaint received 2021-11-14
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. (GA)

So I have reached out several times and tried so so many times to get these accounts on my credit that are not mine removed. At this point the next option I have is to hire an attorney to assist me because me doing it by myself seems not to be working. This is really causing me to lose money paying high rents when I can purchase. I know I can get approved now but I need this cleaned up so I can take advantage of the best offers for me as a first time home buyer. I have filed a complaint with the FTC and the police here. I really need some help I am doing this on my own behalf. Please remove these accounts that I dont know anything about XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXXXXXX and XXXX XXXX XXXX. I have tried and tried again to try and get this handled with these companies and no response and cant get anywhere even with management.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XXXX x already, BANK OF AMERICA STOLE money out of my account, the first was for {$500.00} and the second time which was just last week was {$600.00}. They stole my bill money, and now XXXX cant pay my bills. 

They keep claiming I own them money but actually they owe me money stemming from a fraud claim. They owe me thousands of dollars, have destroyed my credit, and closed my accounts when I was kidnapped. Now they blocked me from my credit, and started harassing me nonstop to give them more money, threatening me, and now are stealing money out of my accounts. 

I have spoken to the company over XXXX times in attempts to resolve this issue and get all my money back, get my credit back, and to remove all the fraudulent negative reports on my credit. 

I get no where with them. The last time I spoke to them, I told them they had 2 days to put the money back in my account or I was reporting them. They never returned any of my money, all my bills are now late, and I am fed up with them stealing from me, XXXX XXXX XXXX XXXX allowing anyone to charge my card unauthorized and demand the money from me, then on top of that now the bank is stealing more money from me! 

Before they closed my accounts when I was kidnapped, they told me if I made payments just to keep my account in good standing while they were XXXX XXXX on a fraud claim, that I would get all the payments, interest payments, fees, and fraud money back when they finished working on it. That was in 2018. It has been 4 years, they owe me thousands f dollars, and now instead of paying me my money, they are stealing more money from me. Nonstop harassing me, destroying my credit with fraudulent negative reporting to the credit bureaus, and now XXXX cant even keep a roof over my head because they keep stealing my bill money.
Consumer complaint received 2021-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

This is both a new complaint and a follow up to a previous complaint. In XX/XX/XXXX I filed a complaint against Capital One bank for fraudulently denying access to funds deposited into my account. Their original statement to me was that they would hold my deposit 30 days ( expiring XX/XX/2021 ) when they did not release the hold as they said they would I tried to work with them with no success. In their response to the complaint ( attached ) they stated they would be willing to remit funds back to the issuing bank if request. I have provided such a request ( also attached ) but the bank still refuses to either release the funds or remit the funds to the issuing bank. I am at a loss of what to do Capital One bank as been unreasonably hard to get ahold of and / or work with through this entire process. I have attached a copy of their first response as well as the response from the check issuer ( XXXX XXXX ). I would appreciate any help that could be provided in getting Capital One to either honor what they originally stated which was that the hold would last 30 days ( we are pushing 140 days now ), or remitting the funds back to the original bank both of which they said they would do in writing but had refused either action when formally requested. Ideally I would like for Capital One to remit the funds back to XXXX, close my account, and mail me any funds in the account over the amount that needs to be remitted to XXXX as they have totally broken any faith with me at this point. It feels like I am just getting the run around and protection from large banks for a small consumer such as myself had to be what was in mind when the CFPB was created. I appreciate your assistance in this matter.
Consumer complaint received 2024-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (AZ)

Background : For the past several years, I had a membership with the XXXX XXXXXXXX XXXX XXXX. 

In XXXX of 2023, I went to the gym for a workout, only to discover that it had closed the previous week and had removed all of its equipment. They failed to notify its members that the gym was closing. 

On XX/XX/2023, I received a letter from XXXX XXXX in XXXX, Arkansas claiming that I owed membership dues to XXXX XXXX XXXX  for the month of XXXX, 2023. 

I wrote XXXX XXXX in XXXX, Arkansas and said that I disputed the dues charge of {$31.00} ( my monthly membership fee was {$21.00} ). They added a {$19.00} late fee to this amount. 

Due to the fact that the gym had closed mid-month in XXXX without notifying its members, I sent XXXX XXXX in XXXX, Arkansas a pro-rated cashiers check for {$16.00}. They cashed the check on XX/XX/2023 and failed to send me any follow-up correspondence. 

XXXX XXXX in XXXX, Arkansas continued to send invoices on XX/XX/XXXX and XX/XX/2023, but adding on XXXX additional months of membership dues increasing the fee to {$65.00}. 

On XX/XX/2023, I received a letter from First Credit Services , Inc., ( a debt collector ), stating that I owe XXXX XXXX XXXX XXXXXXXX , Arizona {$67.00}. XXXX XXXX XXXX XXXX claimed that my membership had been transferred to their gym. I have no contract with XXXX XXXX XXXX XXXX , and reject their claim of owning my membership. 

First Credit Services , Inc. then posted a hard inquiry on XXXX claiming I owed {$67.00}. This caused my credit rating to decrease by XXXX points. 

My Documentation : I can prove documentation for this case.
Consumer complaint received 2021-11-14
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. (IL)

To EQUIFAX : I am tired of dealing with your lies and manipulations of peoples lives. I have filed a dispute several times with your company involving a Bankruptcy Public Record that is incorrectly reported on my Equifax credit report. The updated Equifax report as of XX/XX/2021, is still showing Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX where they state they dont report bankruptcy on my consumer file. You have also listed the Agency 's contact info to be the US Bankruptcy Court. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2020-02-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REMAX (FL)

My name is XXXX XXXX. My house is at : XXXX XXXX XXXX, XXXX, FL XXXX. My phone # is XXXX-XXXX-XXXX. 
I was given the house by my mother who passed away. 
**I met a XXXX XXXX XXXX , a realtor through ReMax. Her phone # is XXXX. 
Close to 5 yrs ago I signed a Mortgage with her, so she is now the holder of the mortgage. For over a year, I have asked Ms XXXX to please forward me a copy of the mortgage I signed only to be told, " not now '', " no '', or be hung up on. I have wanted a copy so that I can go over it and better understand what kind of mortgage that I signed. Further, I've been trying to get the name of my homeowner 's insurance company & a copy of the document showing that I'm insured and what it is that I'm insured for. Again I get the same responses from XXXX XXXX XXXX. Now on XX/XX/2020 I got a call from Ms XXXX saying that in 45 days she will be taking control of my house and can't wait to throw us all out in the streets. I got very upset & crying & said I don't understand. She said to contact her lawyer, XXXX XXXX XXXX and hung up on me. 
My daughter, XXXX yr old, XXXX XXXX called back Ms XXXX only to be told the exact same thing she had just said to me. I then called the number for Atty XXXX XXXX XXXX at XXXX-XXXX-XXXX to get some information about what was going on, to get a copy of mortgage and homeowner 's info and was told, " sorry I can't help you, it would be a conflict of interest ''. I literally am at my wits end and do not know what to do. I'm on social security XXXX and can't afford a lawyer. I do have a case worker who helps me, but they don't even know what to do. 
PLEASE HELP ME. Thank you in advance for any assistance you can give me. 
Sincerely, XXXX XXXX XXXX-XXXX-XXXX
Consumer complaint received 2022-05-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

XX/XX/22 i filed initial cfpb complaint & in writing to credit bureau/ it's got immediately closed, then i filed 2nd dispute with cfpb on the XX/XX/22 due to their response to my dispute didn't match my issues in my dispute/complaint. 

Per 15 U.S. Code 1681i - 2 ( a ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Per 15 U.S. Code 1681i - 5 ( a ) ( i ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and Per the 15 USC Codes above : Credit Bureaus were supposed to send me a letter to my address WITHIN 5 DAYS indicating they receive my dispute and it's been investigated. And this wasn't done, so accounts SHALL be deleted.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MS)

XXXX At Fault Accident- Lost Control This incident never happened to my knowledge. I was was XXXX XXXX Military at the time and I dont recall having this accident. 
XXXX At Fault Accident- Lost Control This incident never happened to my knowledge. I was was XXXX XXXX Military at the time and I dont recall having this accident. 
XXXX At Fault Accident- Rear Ended The police report shows I was not at fault and in this state Im fairly sure that those that are rear ended do not make them at fault.
Consumer complaint received 2017-09-27
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. (MS)

They continue to report a bankruptcy on my credit which is wrong and i demand for it to be removed ASAP ... .this is stressing me out and im tired of going back and forth with them on this matter
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (TX)

Theres alot of hard inquiry in my credit report that I did not authorized. Heres a list if you can please remove them. 

XXXX XXXX XXXX XXXX XXXX, 2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/2023 2023
Consumer complaint received 2022-05-20
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. (MI)

In accordance with the fair credit reporting and XXXX  account has violated my rights. 

1 : Bankruptcy : XXXX 2 : Bankruptcy : XXXX 3 : XXXX XXXX XXXX XXXX 4 : XXXX XXXX : XXXX 5 : True XXXX XXXXXXXX : XXXX 6 : XXXX XXXX XXXX XXXX XXXX 7 : XXXX XXXX  XXXX : XXXX 8 XXXX XXXX XXXX XXXX  : XXXX 9 : XXXX XXXX XXXX : XXXX 10 : XXXX XXXX XXXX XXXX XXXX 11 : US DEPT OF ED/XXXX  : XXXX 12 : DPT EDXXXX : XXXX 15 U.S.C. 1681 section 602A.States I have the right to privacy 15 U.S.C. 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions
Consumer complaint received 2021-11-14
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. (GA)

So I have reached out several times and tried so so many times to get these accounts on my credit that are not mine removed. At this point the next option I have is to hire an attorney to assist me because me doing it by myself seems not to be working. This is really causing me to lose money paying high rents when I can purchase. I know I can get approved now but I need this cleaned up so I can take advantage of the best offers for me as a first time home buyer. I have filed a complaint with the FTC and the police here. I really need some help I am doing this on my own behalf. Please remove these accounts that I dont know anything about XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXXXXXX and XXXX XXXX XXXX. I have tried and tried again to try and get this handled with these companies and no response and cant get anywhere even with management.
Consumer complaint received 2016-04-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NM)

lIKE XXXX YEARS AGO, I DECIDED TO ACCEPT AN OFFER FROM XXXX ( RIGHT NOW ONEMAIN FINANCIAL ) FOR EDUCATION PURPOSES, THE INTERES WAS REALLY HIGH HOWEVER I NEED TO PAY THE TUITION. AFTER THE YEARS THE LOAN IS NOT BEEN REDUCED, AMOUNT FOR THE PRINCIPAL IS MINIMAL