davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have incorrect inquires on my credit report that are were not authorized. They have negatively affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX CAP ONE NA --  XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX CAPITAL ONE -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX CAPITAL ONE -- XX/XX/XXXX CAPITAL ONE -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-11-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE AUTO FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-07-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (NJ)

Recently, I tried to apply for parent plus loan to help pay for my daughter 's college expenses. I was denied the loan amount because my car was repossessed from XXXX  XXXX  ( also known as BridgeCrest ). The car was taken and sold leaving a balance of XXXX. 
I requested a letter from this company to show that I have made more than 6 months worth of payments on this account. The company refused to return any communication and did not grant my letter. In addition, I notice that this account was forwarded to a legal collections account who has applied an extra XXXX to this debt. What? This is not my account.
Consumer complaint received 2021-01-22
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. (NV)

All of these accounts are showing late and it's in no fault of my own. Please reverse these late charges on all of these accounts. I have great credit. Also due to CARES ACT, in no way should any of my accounts show any negative remarks. Please reverse them as none of these creditors care. 

100 Claims account deferred, 105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

Submitting a complaint about the rediculous lack of response I am getting from HSBC. I tried to open a new checking account ( my first banking relationship with HSBC ) with HSBC, making my initial {$500.00} deposit on XX/XX/XXXX, and then roughly {$3400.00} was deposited 2x/month via direct deposit starting XX/XX/XXXX, meeting the terms of a new account promotion offered by HSBC. Note - it took about a month from the time I requested the new account before it was created for me - not fraudulent, but really bad service. This in itself may be worth looking into as I dont know if there is some sort of accounting advantage related to how they time recognizing new accts. I inquired about when the new acct premium would be applied, and they sent a secure message on XX/XX/XXXX noting it takes 8 weeks to apply after earned. I gave them ample time to confirm I had met all requirements, and allowed 8 weeks, when I re-inquired in XXXX about the status of my new acct premium. I received a secure message on XX/XX/XXXX that they submitted my inquiry to their " Campaigns & promotions '' department for review and would need 7-10 biz days to compete their research. it is XX/XX/XXXX today ; how are those 7-10 days looking? I've reinquired every month, and received secure messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XXXX, with each referring to some area of their company working on this. This is a simple research exercise - what were the terms of a promotion that was in effect, and did the customer meet those terms - if no, explain you are sorry and why you cant award the premium ... ..if yes, apologize for the delay and award the premium. This is not hard, and this is not a small company. I must therefore conclude that this company is purposely delaying awarding the {$750.00} new account premium that is due, and there is no reason to believe they are singling me out - this is likely happening to many customers who observed HSBC 's offer, responded and complied in good faith, and are now either battling to get the award they were promised or have simply given up and have been cheated out of what they earned. HSBC makes too much money to nickel dime customers this way, and I'm hoping the CFPB can impose its will to review their new account award advertising, fulfillment, and research processes as you may find gross sloppiness, but I suspect you will instead find proceduralized fraud. I thank you very much for any support you can provide in this effort, both for the fraud I have encountered, and that which I am very confident is happening to other HSBC customers.
Consumer complaint received 2024-05-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC (NC)

I knew I would have problems paying my mortgage but I kept up for XXXX months what I was told I needed to get my interest rate lowered. Then I was told that could not happen because of inflation and the percentages being so high that they could not lower it. I told them that is not what was discussed XXXX months ago and now I am looking at losing my house .I requested help they did a modification and the payment went UP. I am beside myself and am disgusted with the lies and deceit mixed with this mess. I did not lie but have been lied to and feel like I have been tricked. My mortgage holder is Planet home lending.
Consumer complaint received 2021-09-15
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. (FL)

Hello I ask you to pay attention to these fake accounts and figure out their origins because I do not know these accounts and they are not mine. 

Please take a look : XXXX XXXX XXXX I want you to investigate and apply proper action in order to remove them from my profile Thank you
Consumer complaint received 2018-09-17
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. (TN)

I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXX  immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2023 my husband and I deposited a check from XXXXXXXX XXXX  from the proceeds of the sale of a vehicle for {$20000.00}. I received a receipt from the bank stating that the funds would be available on XX/XX/2023 and the member service representative who deposited the check said the funds would be available on Monday XXXX requested an online transfer from my business account at XXXX XXXX for {$7500.00} to be processed today XX/XX/2023. I checked my XXXX XXXX account on XX/XX/2023 and the bank online balance showed the {$17000.00} was available for withdrawal. I requested the transfer from XXXX XXXX which is pending based on this information. I logged into my account this morning XX/XX/2023 with Navy federal and now the funds are not available. They placed an additional hold on the funds and removed availability. I was never told by the member service representative that there could be an additional hold, and nothing was printed on my receipt to tell me otherwise. This is extremely misleading to a consumer and business owner. There needs to be another way to notify members that there will be or could be a hold placed on items just based on what someone feels for that day. There should have been something printed on my receipt that says there could be an additional hold placed on the item. Also showing the funds were available and then removing it from my account is very concerning to me that they can just do this without any recourse.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are currently numerous collections and inquiries listed on my report that I have no knowledge of. I did not initiate to open these accounts or inquiries, whereas they are a result of fraud or malpractice.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

When applying for the XXXX XXXX XXXXXXXX rewards card the application has a section that asks for the SSN of the business applying for credit. When I clicked on the icon next to the SSN section it said " Your Social Security Number or Individual Taxpayer Identification Number is required to verify your identity '' there was no mention of my credit being pulled, causing a hard inquiry on my credit report to appear. Here 's a copy of the decision : American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/2020 XXXX : XXXX Dear XXXX XXXX XXXX, Thank you for applying foXXXX XXXX XXXX XXXX Rewards Card from American Express. We are writing to let you know that, unfortunately, we can not approve your application at this time. 

Reason ( s ) for Our Decision Your FICO score ( see below ) Information About Your FICO Score We obtained your FICO score from XXXX and used it in making our credit decision. Your FICO score is a number that reflects the information in your credit report. Your FICO score can change, depending on how the information in your credit report changes. On XX/XX/2020, your FICO score was XXXX. The FICO score ranges from XXXX to XXXX. The following are the key factors that contributed to your FICO score :
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MD)

Hello, and I hope all is well. While reviewing the credit profile to XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. Credit Collection Services has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which continues to decrease my credit score  along with the creditworthiness
Consumer complaint received 2020-10-11
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. (SC)

On XX/XX/2020 and on XX/XX/2020 I sent Experian XXXX. XXXX  XXXX XXXX TX XXXX letters challenging the accuracy, compliance and reportability of a debt that they have been reporting I asked Experian to provide me with copies of any documentation associated with the account bearing my signature and in the absence of any such documentation bearing my signature, I requested that the information be immediately deleted from my credit file I have got no such documentation bearing my signature and they continue to report this without evidence
Consumer complaint received 2020-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I have recently refinanced my mortgage with loanDepot. After the mortgage was closed, I had issue to set up online payment. I have tried to call them for 15~20 times. Every time there was a long time and eventually I had to disconnect after 30~40min wait. In the very few times when I was able to talk to someone, I was told it will be fixed next day or in a few days which was never true. Almost 3 months after the loan close, I still can not set up my online payment.
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have had an account with Capital One for several years. Earlier this week I lost my debit card and requested a new one. Today ( XXXX.19 ) I received a new debit card and activated it in my app. The app was glitching and not loading completely but I was still able to activate the card and get a success message. I just got paid 2 days ago so there is plenty of money in my account that I need to access to pay my bills today. Shortly thereafter I tried to use it and it would not work, so I tried to call. I had to call 4 times before I could connect. Then I was on hold for 40 minutes -- call was dropped. I called again and waited on hold for another 30 minutes. While I was waiting I had started researching and found that they had XXXX  from their customer service account, @ AskCapitalOne, that there was an unspecified technical error causing these issues ( XXXX XXXX   XXXX ).  No information was provided in regards to what is specifically happening, why it is happening, what they are doing to fix it, how it will be resolved, or how they intend to compensate customers for their losses. I am currently unable to pay my bills, shop, or eat because I can not access this money. I have attempted to contact them via XXXX as well and have not received a response.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

A refund for over {$9000.00} from my university was sent to a chase account that was closed and it was confirmed by my school XXXX has recently these funds. I have contacted chase to return the funds back to me or return the funds back to my university and I have still yet to receive it. I have confirmation and if not returned I will file a lawsuit against the company.
Consumer complaint received 2022-08-11
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. (IL)

Congress has made it clear that Transunion has assumed a vital role in consumer reporting, and I have never given this company permission to do this. Transunion does not have my permission nor does Transunion have my consent. Transunion has not exercised their GRAVE responsibility and have been unfair and partial and have not respected my right to privacy. I have already made a CFPB complaint and attorney general complaint. I have never constructed Transunion to furnish a report or create a report and have never consented to any report.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America NA charged me {$75.00} annual fee for its XXXX   XXXX  credit card. However, during the Covid19 with all travel advisories and local restrictions, it is intangible to be use the benefits associated with the annual fee. I contacted Bank of America numerous times, and once their phone agent agreed to waive the fee but mentioned the system did not allow refunding a fee charged several months back. In subsequent conversation, another agent said they are unable to refund the fee. The fee is essentially for service not delivered.
Consumer complaint received 2019-11-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Receivable Management Services LLC (VA)

Receivable Management System are sharing my medical records information with unknown individuals over the telephone. 

They are not in compliance with requirements under 45 CFR SECTION 685.212 ( 3 ) ( 1 ) ( iii ) ( vi ) and are violating hipaa and share personal medical records with unknown individuals over the telephone.

They haven't verified the debt or service or treatment regarding the healthcare under hipaa. 

And is threatening to harm me by any means necessary.
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Management Solutions, LLC (MD)

Hello, and i hope all is well. After reviewing many areas of the credit profile ; XXXX XXXX XXXX continues to placed paid credit debt, which surpasses the statute of limitations. With the incorrect reporting, these actions continue to deplete my credit score along with creditworthiness.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have contacted Equifax and complained about a fraudulent account appearing on my credit report ( XXXX XXXX XXXX  XXXX Credit card Account number XXXX and XXXX XXXX  XXXX Account number XXXX ). I was transferred to the fraud department and they requested I submit and FTC report. Which I did to the XXXX bureaus, XXXX and XXXX were able to validate my claim and remove fraudulent account. Equifax is the only one that has yet to remove the fraudulent account. This is really affecting my personal finances as I try to keep everything in order and pay all my obligations on time. It is also affecting my creditworthiness, and I'm being rejected for housing or apartments. I already explain to them that my information has been made available to the dark web, due to several breaches. This has been a real exhausting process, and a stress on my poor health. I do not know what else to provide them, to proof that I did not open said account. My next step is to go out of my pockets and get an attorney involved to help me resolved this issue
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (SC)

On XX/XX/year>, a fraudulent scam occurred via XXXX. Funds of {$1000.00} was sent via Zelle. The banking institution was informed immediately of the scam. Zelle scam report was made. A report sent to Zelle requesting the fraudulent scam funds be immediately returned. Zelle has access and abilities to revoke and return all funds sent through Zelle via a Banking Institution by reporting to the bank, request a stop of payment, requesting a hold on funds, and returning funds to its rightful owner. However, Zelle refuses to implement the basic expectations of a trustworthy financial product. They lack all efforts to ensure consumers are protected and continue to be allowed to invade FDIC insured banking institutions without expectations or law. 
It is disputed and I expect full restitution of funds.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

After submitting a fraud claim from my phone being stolen, people were able to access my XXXX and send themselves money that was out of my control. I was told since I've submitted other fraud claims before that they would close my checking account with the inability to open a new one. My claim is valid with an attached police report. I don't know what else I can do to prove the fraud claim.