davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Thank you for taking the time to review this complaint. I applied for and was approved for a Capital One credit card, received the card via mail and then Capital One refused to activate the card. For further background I am a long standing Capital One customer and am XXXX XXXX military XXXX XXXX XXXX with need for a card with no foreign transaction fees. The card application was approved on XXXX XXXX and the card was received several weeks later. I then spent the next three weeks going back and forth with Capital One trying to get the card activated. This included sending verification documents including proof of residence, Social Security card, drivers license. During my final discussion with the customer service representative and a supervisor XXXX XXXX they explained that they could not verify my documents and that the account would be permanently closed. No explanation was given with regards to why the documents could not be verified. I asked if other military members have had similar problems, but this was denied and no resources were given to work around this issue.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MI)

This XXXX bank shows no interest in securing credit card payments made by me over the phone. Because I don't have a bank account with them I need to go thru some person they've hired to take my payment which means I have to give my personal checking account information to some low level employee who does that job. We all are aware of their prior hiring problems. I tried making another payment today XX/XX/XXXX and ended up with an employee working from home who was recording my call. When I told her she would need to turn off her recording when taking my payment she couldn't do that so I was stuck on hold for about 15 minutes while she tried to escalate the calm to someone else. I was not able to be connected to someone else and now might be charged a late fee. There is no excuse for someone recording my bank account information. And there is no excuse for my not being able to execute this transaction automatically over the phone. I've told them many times already this process needs to be automated but they are too cheap to do so. Or they are more interested in trying to get me to open a bank account with them then in ensuring my financial security. Either is inexcusable and they need to be warned to invest in the technology so that any payment by anyone can be made over the phone using an automated system. One can't trust sending them payment by mail anymore as long as XXXX remains the XXXX XXXX either.
Consumer complaint received 2024-02-13
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. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-10-10
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. (FL)

There are accounts that closed/charged off since 2017 that's reporting delinquent every month. 

Experian and XXXX are reporting way off scores. 

All 3 bureau are reporting 3 majorly different scores. 

Still have my name and address wrong and address wrong after sending correct info 6 times. 

reporting incorrect payment history
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is reporting an address in which I have never used? 
XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX TransUnion is Reporting a inaccurate name : XXXX XXXX XXXX XXXX is Reporting a inaccurate name : XXXX XXXX  XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have been fighting the validity of said late payments on an account from XXXX One- XXXX. # XXXX As well as a late payment that XXXX XXXX reporting XXXX # XXXX I have been going back and forth without any proof coming from furnishers of this inaccurate information nor any credit reporting agency listed below ; Experian, XXXX, XXXX. I also have an XXXX XXXX XXXX XXXX account as well as XXXX XXXX account that are furnishing inaccurate information. I do not owe a debt to either of the institutions. And have begged and pleaded for the information to be made accurate in terms of my credit report. I am still demanding that I receive PROOF that I, XXXX XXXX have in fact contracted and with these institutions and owe a debt. I am demanding that XXXX XXXX be deleted from my credit profile as well as XXXX XXXX XXXX XXXX. And that the said late payments are updated to reflect fact, and accurate reporting. I HAVE NOT MISSED ANY PAYMENTS. So, Remove any Late Payment from my credit profile immediately.
Consumer complaint received 2021-06-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HUNTINGTON NATIONAL BANK, THE (NJ)

I noticed a collections charge on my credit report and tried to dispute it with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX Toll free ( XXXX ) XXXX Fax XXXX XXXX XXXX XXXX, XXXX CA XXXX I have received no response. I contacted Huntington Bank and they have no record of the account or money owed as well. I asked about this XXXX XXXX XXXX XXXX and they have no record of using them. They have not returned my numerous calls, letter or contact. It is on my credit and that is not good for something that is not mine. I have been with XXXX XXXX for over 10 years and do not have a Huntington Bank account.
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (MS)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE (LA)

XX/XX/XXXX Checking Deposit-XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$2600.00} {$6100.00} XXXX XXXX ACH Returns  : XXXX XXXX XXXX ( XXXX ) XXXX XXXX| Balance= {$3500.00} XXXX Available Balance= {$3500.00}. Available Balance with ODP= {$3500.00}. -- - -- - XX/XX/XXXX XXXX  XXXX XXXX ( PAYMENT XXXX {$240.00} {$3500.00} As you can see my balance should have been {$6100.00} and more than enough to cover the {$4300.00} that XXXX tried to EFT with an auto pay. However the credit union ( The Golden 1 ) decided to try and pay XXXX before adding the ACH from my payroll check. This has caused a chain reaction that I'm trying to undo now. As XXXX charged me interest and a late fee. I also went in and made a manual payment on the XXXX not knowing they would try again, so now XXXX has taken the XXXX from my account TWICE and this has caused my mortgage payment to bounce .... I find it abhorrent that financial institutions can structure same day transactions in a way to cause harm to me the consumer! The credit union has informed me that I have to take it up with XXXX instead of fixing their wrong. Thanks for your help.
Consumer complaint received 2018-06-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (MI)

I had aXX/XX/XXXXXXXX XXXX Lease through GM Financial that I paid-off on XX/XX/XXXX of this year ( 2018 ). The lease was closed-out when we purchased a vehicle at XXXX XXXX XXXX, paid-in-full, and we were sent closure documentation and even a refund a month or two later for overpayment. 

On XX/XX/2018 we noticed withdraws still occurring from GM Financial within our checking account, and found automatic payments being withdrawn from our checking account in the amount of {$250.00} every month despite having paid-off the lease ( from XX/XX/2018 through XX/XX/2018). We thought, that's where all our money has been  disappearing! 

On XX/XX/2018, my wife called GM Financial, and was very kind and detailed, provided the exact days, amounts we paid, pay-off details, amounts still being fraudulently withdrawn with each day and amount, and ended up having to fight with an employee named XXXX ( employee # XXXX ) on points that were so silly that XXXX actually asked at one point, " Don't you think it's a problem that you didn't see XXXX coming out of your account for 5 months? '' As an argument against just giving us our money back! 

We requested a supervisor and were not able to speak with one. 

We emailed top executives ( XXXX XXXX ) at GM Financial requesting a remedy and suggesting that the voice recording of the call between us and XXXX be pulled to review the poor service representative. We received no response. 

We also contacted our Bank, XXXX XXXXXXXX XXXX XXXX in an attempt to prevent continued withdrawals by GM Financial. Our bank told us that since they're using a different reference number each time it wasn't possible to stop GM Financial from continuing to automatically withdraw fraudulently. Even the bank can't stop a fraud apparently. 

Today, on XX/XX/2018, we notice that yet another GM Financial withdrawal was made for {$250.00} from our account. We have had fraudulent withdrawals from GM Financial for 6 months now since paying off the lease in-full in XX/XX/2018, a theft of {$1500.00}. 

This is a crazy situation! We are so thankful for the CFPB at this point and aren't sure what we could even do without you! 

Please help : (
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
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: WAKEFIELD & ASSOCIATES, INC. (MO)

I recently applied for a refinance on my home and was alerted about a collection account. I reviewed the report and found an error. I disputed the collection account because : 1 ) I have never had an account with Wakefield & Associates 2 ) Wakefield & Associates refused to give me information about the XXXX XXXX account. 
3 ) I have never had an account with XXXX XXXX and/or ANY of their doctors or staff. 
4 ) I have always carried proper medical insurance.

5 ) I have always paid the insurance company my portion of any medical bill.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I understand that I had promised to pay NELNET {$10000.00}. I was paying on this for XXXX years and XXXX months faithfully. I was attending XXXX XXXX through Corinthian Colleges who was doing money laundering schemes and tricked many of us students into paying such high fees, which this link shows hard evidence : ( https : XXXX ) however, also, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the XXXX, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than XXXX  years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within XXXX days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only XXXX who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within XXXX days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. 
Without Recourse, XXXX XXXX
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

i recently cleared up my credit by paying off a mortgage and paying off my personal bills. I was able to establish a credit score of XXXX via XXXX. I applied for a credit card with chase and was granted a {$7000.00} limit card. I have not opened any other accounts i have not even used the card. Chase turns around and cancels the credit card dropping my credit score to XXXX which i believe is unfair to me and the hard work i put in to getting my credit to where it is currently. I am looking for an apartment currently and now that chase has done this it disrupted my whole life, and Chase can careless what they've done to me. I find this highly unacceptable that i will have to suffer when i clearly did not do anything. I am coming to the financial bureau first to help rectify this situation, before going to the news media for publicity help
Consumer complaint received 2024-02-13
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I right 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.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

On the date of XX/XX/2022 I sent my second letters via certified mail to delete inaccurate information off of my report. I sent XXXX dollars to send mail via certified and they refuse to funish the correct information.
Consumer complaint received 2022-10-10
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)

I do not feel as though the credit bureaus are doing their due diligence because they are reporting incorrect information on my credit report. I have never been late with XXXX XXXX yet they are reporting a late payment of XXXX days for XXXX. They also report a difference balance than what my statement has for the month of XXXX. I am requesting that XXXX, EQUIFAX, AND XXXX immediately remove the late payment and update the account to paid as agreed, never late. Also update the correct balance for the account listed. I have attached proof of payment and proof of my statement listing the correct balance. The account is XXXXXXXX XXXX XXXX.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

- I shopped for the best home equity line of credit I could get - I pulled my own credit score and was over the acceptable level that was needed, a score ( XXXX - Experian XXXX to ascertain the loan - I phoned 15 loan companies and asked them to give me a quote with their best interest rates and I told all of the loan companies that I was contacting their competition to get their best interest rates and I would compare and select the loan company that was the best value for me.

- Each company told me that to get the best interest rate from them they would need to see my credit score and asked for my social security number which I gave them - 12 of the companies sent me a quote via email or regular mail. these quotes were typically sent on an application form and I was asked to sign it and mail it back to them - I did NOT sign any of these applications - This process took me about 3 months to get to this point - I selected XXXX XXXX  to get the loan and I went to their office and set down with the manager, filled out the application and I signed it and submitted it - 2 days later XXXX XXXX  contacted me and said my score was XXXX with Experian and that the Experian report is what they use as reference to meet the XXXX credit score - XXXX XXXX  declined my loan - I contacted Experian and asked them what happened to my credit score - Experian said I have 10 " Hard Inquires " that deducted points from my XXXX XXXX each of the 10 " Hard inquires '' reduce my credit score between 1 and as much as 20 points - I went on Experian ; s website and read their definition of " Hard inquiry '' which states an application for a loan. An incomplete ( unsigned ) form is Not an application. 
To apply for a loan the application must be signed - I explained to Experian that I did NOT apply for a loan except 1 with XXXX XXXX  and that the other 9 inquires are " Soft inquires '' that do not deduct points from my credit score - I also explained to Experian that I had received mail from some of the loan companies declining their offer due to incomplete applications because they were NOT signed and submitted - Experian suggested that I contact the 9 loan companies and ask them to remove the " Hard inquires '' - I called 2 of the loan companies and since I did not go with their loans they paid no mind to my request to change the inquires from " Hard '' to " Soft '' - I called Experian back again and asked them to help me to correct this faulty reporting They said that the loan companies are responsible to provide 100 % correct information and that Experian only passes this information along - I pointed out that Experian has a responsibility to pass along CORRECT information due to the fact that this information is controlling my life and is their a department that I can file a complaint to and get this faulty information corrected, They said CFPB Please give me direction as to what I can do