davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
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 (TX)

I have multiple credit cards with Capital One. This is the second incident I've had with them concerning them putting a block on my card due to their poor security measures. One of my current cards is set up with merchants to pay recurring installments on purchases. Last week I noticed a payment had not been withdrawn from the card. I contacted the merchant and tried to make the payment with the card manually, but to no avail. I contacted Capital One and was informed that they noticed an unauthorized attempt to debit the card a week earlier. They proactively put a block on the card without informing me of any of this information. They rendered the card useless without telling me. The agent I spoke with kept referring to the " small block '' they placed on my card and now it would need to be replaced since the card was canceled unbeknownst to me. This is not the first incident I have had like this. Another card I had with them had to be replaced due to their poor security and lackluster fraud control. In that instance, I received a replacement card and did not activate it, yet another charge was placed on it. The card was replaced again. Again I didn't activate it and another charge was still placed on it. I finally canceled the card account and experienced a derogatory drop in my credit score. Capital One keeps telling me that Mastercard allows the charges even though a different card number is issued if the account is a subscription ( in the first incident someone had opened a XXXX account using my card number ). XXXX was way more helpful in getting the situation resolved than Capital One. Capital One takes absolute zero responsibility for any of these incidents and practically blamed me for possibly giving my card number to an unauthorized user. Now I will need to cancel this current card account to avoid this happening again. My credit score will be negatively impacted again and I will lose another credit source that I have earned and have an exceptional payment history with. To Capital One this is " business as usual '' and a " small block ''. I am contemplating legal action against them and want them to be punished to the fullest extent of the law.
Consumer complaint received 2021-07-18
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: EQUIFAX, INC. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX, XXXX XXXX ( XX/XX/2019 ). 
XXXX XXXX XXXX Dealer Financ ( XX/XX/2019 ). 
XXXX XXXX ( XX/XX/2019 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

Equifax ; XXXX XXXX XXXX are reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. ( Please see page attached. ) There is no outstanding balance due. The bureaus removed this account previously and now they are reporting it again. This false reporting is seriously harming my credit score and needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX several times to fix this however, I have not been successful.
Consumer complaint received 2020-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MA)

I was shocked when I reviewed my credit report and found late payment during the initial covid-19 on XX/XX/2020 for 30 days. I paid the account on-time and received a conversation. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX To : XXXX XXXX  Tue, XX/XX/XXXX at XXXX XXXX  " Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. '' REALLY? 

I now own my home. It's a disappointing reality that creditors and credit monitoring services are incapable of congratulating debt-free clients. 
Credit score dropped 80+ points because I PAID OFF AND CLOSED MY OWN MORTGAGE ACCOUNT. 
Shame on you... 

XXXX XXXX XX/XX/2020
Consumer complaint received 2020-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Capital One has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Consumer complaint received 2021-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northeast Recovery Solutions, LLC (TX)

I keep getting calls from a company called Nationwide Recovery System regarding some person name XXXX. I've told several people from this same agency that they have the wrong number and they will not stop calling my on my personal cell phone. I do not know a person named XXXX and my cell phone is in my name XXXX XXXX and have had the same phone number for years. They call me at least once or twice a day from the same XXXX number and will not stop calling even after explaining this is the wrong number. I've received calls on my phone from other numbers as well from the same company XXXX NRS. This company will not stop calling me and I have perfect credit don't own anything to anyone.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

Here we go again : ) I've struggled with Wells Fargo in the past to get a STRAIGHT ANSWER to questions which I've done my best to pose in the most simplistic manner possible. Yet, ( as I state when I provide feedback each time a complaint is closed ) - WFC has yet to respond with an answer. 

1. WFC has NO PUBLIC INFORMATION regarding the rules surrounding their mortgage recast - including the minimum. This information is kept internal and only available when you contact the bank. There is 1 page online that covers " over-payments '' which fails to mention recasting. Other banks publicize this information for their CUSTOMERS, while WFC fails to. Furthermore, from the string of previous complaints it becomes VERY OBVIOUS that more and more details surround a mortgage recast are starting to come out. For example, the last complaint ( after pushing this point for YEARS now ) I discovered that recasts can be done based on an accumulation of past over-payments. Nice feature ... but ... WHAT IS THE DEADLINE? This year? All time? This is the information YOUR CUSTOMERS DESERVE TO KNOW. 

2. The last complaint posed a question which was completely ignored. WFC claims that a minimum over-payment of {$20000.00} ( which is 4-5x higher than standard ) has been set because : " it is the minimum amount at which a borrower will realize a significant difference on their monthly payment '' ... This makes ABSOLUTELY NO SENSE as everything has different monthly payments and different terms - resulting in COMPLETELY DIFFERENT impacts to the monthly payment - SOME MAY BE QUITE INCONSEQUENTIAL. This does NOT make any logical sense at all. If there was any truth behind this intention of setting the minimum that much higher than industry standard - a PERCENTAGE would be used and measured AGAINST THE OUTSTANDING BALANCE OF THE MORTGAGE. 

3. WFC hung up on me last time they called - after abour 2 mins. There is zero effort for the bank to discuss this. So, these complaints will serve as an on-going record and I genuinely hope that CFPB IS PAYING ATTENTION TO ALL OF THE INFORMATION I PRESENT. WFC IS CONDUCTING ITSELF IN A VERY CORRUPT MANNER AND RESERVING A FINANCIAL SAVINGS FEATURE TO ONLY A SELECT FEW - INTENTIONALLY CREATING A DISPARATE IMPACT WITHOUT ANY ADVERTISED RULES OR LOGICAL EXPLANATION BEHIND THEIR INFLATED NUMBERS. THIS IS TRULY A MOMENT FOR CFPB TO STEP IN AGAINST WFC. 

Please attempt to answer the questions thoroughly this time. If I open complaints with CFPB THERE IS AN ISSUE. Stop brushing them aside and answer the questions.
Consumer complaint received 2020-09-18
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: BMW Financial Services NA, LLC (CA)

I was in contact with a salesman at XXXX XXXX XXXX about purchasing an XXXX. The salesman rushed me into submitting a pre approval application for cars that had been sold. I was never advised on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They went ahead and shared all my information to multiple banks. I see on my credit report 16 recent inquiries for auto financing companies without my consent.  The guy called me saying theyre giving me a XXXX XXXX  when that is not what I had originally agreed on. I have contacted bmw financial services at this dealer and no one has bothered to reach out to me about this fraudulent activity they have customers doing and lying About my employers. They sent me a package for a car I was never aware of submitting application for. I want any inquiries from XXXX and forward to be removed due to the misinformation that BMW has provided without my authorization.
Consumer complaint received 2020-10-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi & How are you doing? It's taken longer than i thought - more than 45 days and it account status was never updated. Im a little confused about how the late payments are reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

Because of problems in the past I have placed a fraud alert on my credit report. I have also placed a lock ( not a freeze ) on the 3 major credit reports and a freeze on the 4th one. 

However Comenity continues to show this account as open when in fact it is closed. 

COMENITYBANK/VICTORI Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX PAYS AS AGREED FCRA rules are not being followed If this financial company does not like me because of my ethic background of being XXXX, XXXX and from the XXXX XXXX XXXX then perhaps legal action should take place.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NJ)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2013 with an amount of {$30000.00}
Consumer complaint received 2021-04-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

We started the refinance process back in XX/XX/2021, we paid on our mortgage for XXXX and XXXX. We were supposed to close in XXXX and the closing had to be rescheduled due to weather and they were backed up on rescheduling 's for XXXX so that wouldn't happen until XXXX. Then in XXXX they told us not to pay as we will close in XXXX. Then they took out the payment and told us to do a stop payment or refund the payment. We did this process, then we kept getting harassed saying we missed a payment, and we told them about these phone calls, and they told us to disregard them as we are in the process of closing for XXXX. When trying to close for XXXX they kept saying well it is in processing, so we can't close for XXXX. So we decided to make a payment before the end of XXXX because the other debt collectors kept calling us telling us to make a payment. The payment was never processed on their end, we discussed with our bank and they never saw any payments pending or attempting to come out of our bank account from Freedom Mortgage. Its XXXX now and they told us AGAIN to not make a payment for XXXX, and now were getting letters in the mail about credit reporting, possible foreclosure, etc. I had talked to 15+ different people on XX/XX/XXXX, I was on the phone for half of my day scheduling this close to happen in XXXX. Also, while talking to these 15 different people it was confirmed that I wouldn't have to worry about my XXXX or XXXX payment as Freedom Mortgage took care of it and admitted it was their fault this didn't go through properly through a manager. The soonest they could do this was XX/XX/XXXX for the closing, in the meantime still getting these calls and letters about making a payment. XXXX XX/XX/XXXX, we are at our scheduled location and time, and no show, no calls, no email, etc. NOTHING. We call them and were on hold for an hour and then put us on a call back list. No one has called, we have emailed everyone, we called different numbers to have a manager call us and no one will call us back. We talked to someone in customer service and they said since we have missed payments they weren't able to schedule the closing ... We still haven't talked to a manager or anyone that knows how to do their job there. Plus their website isn't working so I can't even make a payment on this loan.
Consumer complaint received 2020-10-21
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. (CA)

On XX/XX/XXXX, I reviewed my credit reports with all three major credit bureaus and discovered there were fraudulent accounts on my credit report. I am positive that my credit file is mixed with someone else with a similar name due to varying names on my credit report. I researched how to accurately remove the items and wrote XXXX dispute letters to each credit bureau with affidavits and the supporting documents. I mailed each letter via certified mail with tracking numbers and gave it the appropriate amount of time according to the Fair Credit Reporting Act. Each credit bureau has 30 days to investigate and update XXXX delete the disputed items. When I checked the tracking all items were still in transit and last reported in the city for each credit bureau. XXXX PA, XXXX, GA and XXXX, TX. In the month of XX/XX/XXXX, I reviewed my credit reports and noticed XXXX of the XXXX fraudulent items had been deleted from 2 of the 3 credit bureaus. I completed another dispute letter, an affidavit and supporting documents for the remaining fraudulent items for tracking XXXX, XXXX and XXXX. The listed certified tracking numbers were delivered on XX/XX/XXXX. This process has cost me another {$77.00} by this point and countless duress during my XXXX right now. It has been more than 30 business days again and there has been zero correspondence with each credit bureau. I sent an additional manual dispute with affidavit with tracking XXXX and it was delivered XX/XX/XXXX. These fraudulent items need to be deleted from my credit file since 2 of 3 bureaus have already completed the process and updated my reports. I am trying to move into a bigger home at the end of this month ( XX/XX/XXXX ) before I have my daughter and it is imperative this is completed to prevent further duress during this XXXX even more with COVID-19 going on. I am filing a formal complaint with the CFPB today to get this matter resolved immediately.
Consumer complaint received 2020-09-18
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: AMERICAN EXPRESS COMPANY (FL)

XX/XX/2020 a business American Express credit card balance showed up on my personal report. The Balance is owed by XXXX XXXX XXXX Ive tried to dispute the This information few time Through The Credit bureau on the facts that this balance belongs to a business Im Partner there and this information on my personal report should be removed. But with no success. Please advise
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-13
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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (AZ)

I filed a disputes in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (MA)

Hi & How are you doing? It's taken longer than i thought - more than 45 days and it account status was never updated. Im a little confused about how the late payments are reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-02-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$100.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2012 with a credit limit of {$100.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2012 with a credit limit of {$300.00} -This is not my account.
Consumer complaint received 2022-10-07
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-10-21
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. (MA)

Hi & How are you doing? It's taken longer than i thought - more than 45 days and it account status was never updated. Im a little confused about how the late payments are reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.