davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On Sunday, XX/XX/2017, I received an email from XXXX. XXXX is a credit monitoring/money budgeting service that I use to keep track of my finances. The e-mail they sent me was for a new credit monitoring alertstating that I had added an authorized user to my Capital One credit card. Only there was already a problem thereI have never even applied for a Capital One credit card. I was alarmed to say the least. I called Capital One using the general service phone number and the menu prompted me for either my card/account # or social security #. Because I have never had an account with Capital One, I tried putting my social security number in, followed by my birthday. To say that I was unpleasantly surprised when the machine responded with, I have found your account, would be an absolute understatement. I was LIVID. I grew even angrier when the machine told me the balance was {$14000.00} and that my next monthly payment would be due in the amount of {$300.00}. I was so confused as to how someone got my information, opened a card, charged {$14000.00} and got away with it. I have been taken advantage of. How come Capital One never sent anything to my home address regarding my account? What email were the alerts from them going to, if there were any? I have four credit cardsXXXX, XXXX XXXX XXXX, and two Chase cards. Along with that, I have a private student loan with XXXX XXXX XXXX, as well as a government loan. Finally, I have a leased vehicle through XXXX XXXX XXXX. I work full time for a mortgage company and have been here for the past 3.5 yearswe deal with credit and credit monitoring CONSTANTLY. To say that I am on top of my finances is also an understatement at best. I need this figured out because I have no idea how long this has been affecting my credit. I have pulled my own credit report twice in the past year and have not seen Capital One reporting, which is what also alarms me. Please do the research and listen to any calls and review any correspondence you have with mebecause unfortunately, it was likely not me.
Consumer complaint received 2024-03-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Urgent Matter Regarding Equity Line of Credit and Foreclosure To Whom It May Concern, I am writing to address a matter of utmost importance regarding my equity line of credit. For nearly a year now, I have been diligently attempting to dispute the balance associated with this credit line. Unfortunately, my efforts have been met with significant challenges. 
Firstly, the passing of my husband has added emotional weight to this process. As I grapple with grief, I am also trying to organize my affairs and ensure that I am properly informed about my financial responsibilities. 
During this prolonged period, I have actively engaged with a housing counselor in an attempt to find resolution. Regrettably, despite our best efforts, we have received no substantive answers from the relevant parties. The lack of communication has only exacerbated my concerns. 
To my dismay, I recently learned that foreclosure proceedings have been initiated. This development is deeply distressing, as it threatens my home and financial stability. I understand that the situation has reached a critical juncture, and I implore you to provide clarity and guidance promptly. 
I kindly request a formal review of my case, transparent communication, and a fair assessment of my circumstances. It is my sincere hope that we can find a resolution that avoids the dire consequences of foreclosure. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

To Whom IT May Concern. On XX/XX/2022. I submitted a dispute letter to Equifax, XXXX and XXXX. I saw many addresses, names and phones that were not mine as well as other information. So, as a consumer, I sent a certified letter to dispute this information. I asked them to please send me my report after the investigation and how they verified it but, nothing ever came. I just happened to log on to my profile and saw that all my information was verified.But, how though when nothing was sent to me in regard to what they did to verify my dispute. I asked for my credit report in my letter and the means they used to verify this information was mine personal information. I have never lived at any of these addresses before and they refuse to remove them. This is unfair and a violation of my rights. As we all know these companies do not work for the government or state department. All I am asking is that thigns are reported properly. False information can hurt charcter of the person. Just beacause someone has a simlier first name does not mean that it is them.

I sent a utility bill to show my address as well as my ID. Still nothing. Two proofs of residence and they still refuse to remove all the other addresses besides the only one I live. My current address is XXXX XXXX XXXX XXXX Apt XXXX, XXXX GA XXXX. As of today XXXX, I still do not have an updated credit report from them. I take my credit very seriously and all of these addresses and phone numbers that are not mine are disturbing. I was about part of a data breach a couple times and so as I leanred of this I contacted them and I get no results. I hope that this issue is taken seriously and that my character as well as my credit report will be reported moving forward.
Consumer complaint received 2019-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION (CO)

I bought tickets on XX/XX/XXXX by using XXXX from my bank XXXX XXXX  in XXXX.for XXXX XXXX XXXX   Concert the next day. I opened an account with XXXX to, electronically receive tickets but never got them from the seller XXXX XXXX or XXXX XXXX on XXXX XXXX.with the telephone number XXXX ; associated with XXXX The number he called me on was XXXX The amount was {$500.00} I am a XXXX XXXX at XXXX years old and find this is a fraudulent way to transfer money. Bank account numbers should be linked to XXXX not just mobile phones
Consumer complaint received 2021-12-02
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-07-13
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. (VA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX,, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

On XX/XX/XXXX, I had sent a letter, which was delivered on XX/XX/XXXX by certified mail, to Commonwealth Finance regarding an entry on my XXXX, XXXX, and XXXX credit reports and requesting proof and validation that an alleged debt of {$360.00} from XXXX of XXXX belonged to me along with documentation that I have a legal obligation to pay, in conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692g Sec. 809 ( b ) On XX/XX/XXXX, I received a letter from the aforementioned company dated on XX/XX/XXXX, verifiably after the 30 day requirement to produce consumer requests established by the Consumer Financial Protection Bureau ( CFPB ), which was accompanied by a supposed bill that provided neither proof of ownership nor validation of the alleged debt. 

Copies of my initial request of validation with certified mail receipt and the company 's tardy response are attached.
Consumer complaint received 2019-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

Every time I go to the hospital I provide my Medicaid medical insurance card and pay a co-pay due for any services occurring on the day I see a doctor in full and up front before seeing a doctor. 

Providing Medicaid medical insurance plus paying a copay before seeing a doctor covers known services that are going to take place on the date of payment. 

Any additional cost after making a copay payment and presenting accepted medical insurance for a doctor visit is frivolous where the patient did not give consent to services that costed extra or have knowledge of there being any additional services that were provided after presenting medical insurance and making an agreed upon copy payment for all services occurring on the same day the copay was paid in full. 

Since I presented my Medicaid medical insurance and paid a copay in full before seeing my doctor, any additional costs that were added to that day 's visit after paying in full and up front are fraudulent and should be removed from my credit reports immediately.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX HSBC bank at the behest of XXXX XXXX XXXX XXXX XXXX has completely frozen my account. According to The Exempt Income Protection Act of 2009 If any funds are restrained, the bank, within two business days after receipt of the restraining notice or execution, exemption notice and exemption claim forms, must serve upon the account holder the exemption notice and two exemption claim forms by first class mail to the account holders last known address. The exemption notice explains to the account holder that the account has been restrained, that certain types of funds are exempt and the procedures for releasing an account, including the types of documents that will be helpful in demonstrating the existence of statutorily exempt funds. 

As of XX/XX/XXXX such documentation has not been provided to me. 

More importantly the first {$XXXX} in an account can not be frozen. 

The new law creates a {$XXXX} cushion for debtors who don't receive government benefits or assistance. In particular, the law prohibits banks from executing, levying, attaching, garnishing, encumbering or restraining an amount equal to or less than 240 times the federal or state minimum wage, which ever is greater, except to the extent a court determines is not necessary for the reasonable requirements of the judgment debtor and his or her dependents. The amount of this exemption is currently {$XXXX} but is scheduled to rise to {$XXXX} on XX/XX/XXXX and in accordance with the minimum wage thereafter. 

If a restraint was placed illegally it can not be enforced. 

Banks may not charge the account holder a fee if it is served with a restraining notice and the bank account can not be lawfully restrained OR IF THE RESTRAINT IS PLACED ON THE ACCOUNT IN VIOLATION OF THE LAW. 

https : //www.dfs.ny.gov/legal/industry/il090120.htm
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (SC)

I have sent over 5 dispute letters asking for validation on how to prove i owe this debt. Haven't sent no type of evidence of how this debt belongs to me. Very furious I'm trying to buy a home I would like for them to delete this off my credit because this debt is hurting my credit profile.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (FL)

Due to an error on your Macy 's website account login I resulted harmed in my credit report and I seek a correction. 

Please read below. 

When I signed to a new credit card XXXX XXXX ending in XXXX, I had to add the card to my Macy s account online by entering the : CARD NUMBER / NAME AS IT APPEARS ON YOUR CARD / SECURITY CODE / LAST 4 DIGITS OF THE PRIMARY CARDHOLDER S SSN. 

That is why I did but I could never activate the credit card due to an error in the information provided ... this delayed me the process of paying the credit card as you will see further on. 

The problem is that the website asks for THE NAME AS IT APPEARS ON YOUR CARD. The name that appears in my card XXXX XXXX is XXXX XXXX, which is different from the name which I was supposed to provide XXXX " A '' XXXX XXXX customer support explained my name was supposed to be different ). Why should I have provided XXXX " XXXX '' XXXX? If that is not the name that appears on the XXXX credit card? 

Now, if you ask me to input the name as it appears on my credit card, I will do it. Right? Why should I enter a different name? 

This mistake from your end led me to not activate the credit card and have an unpaid balance of {$87.00} dollars which I carried for over 90 days and resulted in you reporting to the credit report bureau. 

I called to explain this situation to Customer Service but they replied they can not do nothing about it and they could not care less. 

But now I am seeking to get a mortgage for my first home and this mistake from Macy 's end is jeopardizing my future. This is not fair. 

I am a good customer of XXXX, always buy some XXXX XXXX pants only in Macy 's and now shirts to go to work. Why should I get criminalized from a mistake on your end? 

This is not fair. This is not an I forgot to pay. This is an inability from Macy 's end to add an additional card with the proper name. 

This is one of those errors which need to be fixed from Macy 's end.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

i am trying to get a house and all three credit agencies are report three different things. I initially on dispute on agency now I would likke XXXX to show the same information as the other three as all should be the same.
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (FL)

I request that BULLCITY FINANCIAL SOLUTIONS formally substantiate account data BULLCITY FINANCIAL SOLUTIONS conferred to the major credit bureaus for me, XXXX XXXX, with respect to the unverified BULLCITY FINANCIAL SOLUTIONS XXXX {$XXXX}. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after my time as a student. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak BULLCITY FINANCIAL SOLUTIONS desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. 
Thanks sincerely for your assisting me.
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WI)

On XX/XX/XXXX, I sent a domestic wire transfer to Coinbase in the amount of XXXX. Coinbase wire info states wire transfers received by XXXX XXXX  are credited in that day received. The next day I attempted to call coinbase customer support. After being on hold for 1.5 hrs I talked to a representative that stated they could not help and directed me to their online support site to submit a request. 
On XX/XX/XXXX I received an e-mail stating the wire would be returned, and to expect payment with in 7 business days. As of today XX/XX/XXXX. I have not received any return of money and have sent other e-mails to coinbase support in time leading up to today. In addition, on XX/XX/XXXX. I called the bank where the wire transfer was destine for XXXX XXXX XXXX for assistance. They directed me to e-mail XXXXXXXXXXXX. As of today XX/XX/XXXX, I have not received a response.
Consumer complaint received 2021-07-13
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: CARMEL FINANCIAL CORPORATION, INC. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021, I contacted WELLS FARGO regarding a couple of transactions that were completed on my account ending in XXXX that was unauthorized by me, the first amount was for {$500.00} on XX/XX/2021 and the second on XX/XX/2021 in the amount of {$500.00} I call and filed a complaint and was told that these funds would be refunded back to my account in several days from the time of my complaint, however, it has been more than a week since I have filed my complaint and as of XX/XX/2021 I still haven't received my funds back into my account. I called them this morning regarding the fraudulent transactions and was given an unsatisfying conclusion to my case. it seems that WELL FARGO works alongside the people who are stealing my hard-earned funds and disregard me as a customer. WELLS FARGO does not protect their costomers.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Inconsistent information being reported still showing past due when charged off. Date open is inconsistent from each credit bureau. 
Transunion date open XX/XX/2019 XXXX date open XX/XX/2019 XXXX date open XX/XX/2019 Past due XXXX Disputed
Consumer complaint received 2021-07-13
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: CREDIT ACCEPTANCE CORPORATION (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.