davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
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 — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2021-09-18
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. (FL)

Numerous times i have contacted Experian to dispute the charge off accounts on my credit report. They have failed to verify these accounts. But these accounts are still showing on my credit report. At this point, they are going against the fair credit reporting act. They are not providing me with correct verification on these accounts listed. 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. Show me proof of verification that these accounts belong to me. And Remove these incorrect accounts immediately.
Consumer complaint received 2021-09-18
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

illegal Re-Aging With respect to XXXX Visa Account # XXXX. This an account which came with an Account Protection Plus that helped me pay off the balance during the period of my involuntary unemployment/Disability and the account was closed as of XX/XX/XXXX and the balance was paid off by Account Protection Plus. I am also submitting a XX/XX/XXXX Benefit Activation letter they sent to me for a sister account I had with them, I received similar letter for this particular account as well I respectfully refer you to the XXXX credit report of XX/XX/XXXX, Report # XXXX ( Attached here as an Exhibit 1 ) XXXX verified and noted that with respect to XXXX XXXX  Account # XXXXthe Date of Status XX/XX/XXXX. XXXX further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request In violation of The Fair Credit Reporting Act ( FCRA ) this same XXXX Visa Account # XXXX with an XXXX  Date of Status XX/XX/XXXX. XXXX further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request With respect to this XXXX Visa Account # XXXX with an XXXX Date of Status XX/XX/XXXX. Capital One has unlawfully re-aged the account and now claimed that same XXXX Visa Account # XXXX belongs to Capitol One falsely fraudulently claimed that it was Charged off by Capital One effective XX/XX/XXXX, this is not only erroneous but illegal as you know. But has recently claimed it was charged off on XX/XX/XXXX with phony credit/payment that I had not made since XXXX when I left XXXX as the account was closed in XX/XX/XXXX as verified by XXXX. 
CAPITAL ONE BANK USA N {$1100.00} Closed 69 potentially negative months Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit : {$2500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$1100.00}
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We bought a house and closed escow on XXXX XXXX. The mortgagewas through Bank of America. Five months later, we paid off our mortgage ( XX/XX/2020 ). up to this day we have not received a lien release or reconveyance note. Last year I was dealing with XXXX treatments including XXXX, XXXX and XXXX and was not able to follow through this. Earlier this year, I contacted Bank of America and they said they will help but so far nothing has been resolved. Bank of America wanted me to submit a recorded copy of the deed of trust and mortgage. Strangely, there was no recorded copy of our mortgage and no deed of trust has been drawn. All we have is a recorded grant deed between the builder and us. I went to XXXX County recorder ; s office and there was no record of the deed of trust. I called them again just to make sure and there was no recorded deed of trust. I reached out to the title company and they have no copy of the recorded deed of trust. XXXX XXXX XXXX has reached out to Bank of America and the escrow officer said she talked to Bank of america and seems like nobody knows what to do. Finally today, I called Bank of America again to check on the status of my request. I asked tp speak to a supervisor to see if he can help me. He said he will just like the others. I am not sure how long this will take. Bank of America does not know how to do their job. I would like to file a complaint? Do I have a ground to sue them? This has caused so much of my time and so much anxiety and stress. If something happens, we can not sell our house bec we don't have paperwork that we own our house. Please advise. Thank you
Consumer complaint received 2021-09-17
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. (VA)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-09-10
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: Experian Information Solutions Inc. (OH)

While doing lots of investigating about a lot of inaccurate things on my credit report because I currently have no negative or bad accounts. But I couldnt figure out why I keep getting denied credit and the reasons being, I have too many unpaid accounts, I have charge off and late payments. Confused because I have ZERO! I look over my credit report and I notice accounts that should not be on the report. While still investigating I an subscribed to many credit report programs. As I carefully look through them I discover Experian, XXXX XXXX and XXXX have information reporting differently, sharing and supplying derogatory accounts, charge off accounts, chapter XXXX court ordered discharged accounts and discharged debts that only give the remark as bankruptcy. 

I will open another case with those accounts separately. But this one particular account from XXXX XXXX XXXX XXXX caught my attention. I opened an account with the bank around XXXX ( not real sure ) I was with the bank for years until I filed a bankruptcy and the account was closed around XXXX. And that ended the relationship with that bank. Well unknowingly all these years, 13 years later this bank has been fraudulently reporting derogatory and charge off reports. The bank has it I opened an account in XXXX, I never ever went back to the bank! NEVER! They are even going so far as to fraudulently report I made a last payment! They have been doing this for a very very long time. There is absolutely no way they should be allowed to do this to ANYONE! That account has been closed for many many years well exceeding the 7 years even if it werent in a bankruptcy. Its a lot of fraud going on and a lot of lying, re-aging decade old accounts and even updating account information. I have not had any kind of contact with this bank in so many years. Not a branch visit, no deposits nothing. There will be legal action and I am seeking damages for fraudulently reporting. When the debt is well over the legal statutes of limitations for collecting or reporting! They couldnt show one single transaction from myself at no time in the past probably 10 years! I want them exposed and I want justice for all my credit denial letters!
Consumer complaint received 2021-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

While doing lots of investigating about a lot of inaccurate things on my credit report because I currently have no negative or bad accounts. But I couldnt figure out why I keep getting denied credit and the reasons being, I have too many unpaid accounts, I have charge off and late payments. Confused because I have ZERO! I look over my credit report and I notice accounts that should not be on the report. While still investigating I an subscribed to many credit report programs. As I carefully look through them I discover XXXX, trans Union and XXXX have information reporting differently, sharing and supplying derogatory accounts, charge off accounts, chapter XXXX court ordered discharged accounts and discharged debts that only give the remark as bankruptcy.

I will open another case with those accounts separately. But this one particular account from XXXX XXXX XXXX XXXX caught my attention. I opened an account with the bank around XXXX ( not real sure ) I was with the bank for years until I filed a bankruptcy and the account was closed around XXXX. And that ended the relationship with that bank. Well unknowingly all these years, 13 years later this bank has been fraudulently reporting derogatory and charge off reports. The bank has it I opened an account in XXXX, I never ever went back to the bank! NEVER! They are even going so far as to fraudulently report I made a last payment! They have been doing this for a very very long time. There is absolutely no way they should be allowed to do this to ANYONE! That account has been closed for many many years well exceeding the 7 years even if it werent in a bankruptcy. Its a lot of fraud going on and a lot of lying, re-aging decade old accounts and even updating account information. I have not had any kind of contact with this bank in so many years. Not a branch visit, no deposits nothing. There will be legal action and I am seeking damages for fraudulently reporting. When the debt is well over the legal statutes of limitations for collecting or reporting! They couldnt show one single transaction from myself at no time in the past probably 10 years! I want them exposed and I want justice for all my credit denial letters!
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been having and on going dispute with capital one from XXXX XXXX XXXX XXXX XXXX for the amount of XXXX as of XX/XX/XXXX capital one once again rebilled me they have been telling me the case is closed for the dispute and capital one even gave me a permanent credit of XXXX but once again took that permanent credit away from me again this is my second complaint I'm making to consumer financial protection bureau capital one are liars and are once again trying to rip me off instead of going after the merchant from XXXX XXXX I already returned my merchandise back to the merchant and capital closed this dispute but some how reopened it and they are trying to get XXXX out of me when they promised me the case was closed in my favor they told me verbally and in a letter my dispute was closed in my favor my case number from capital one is XXXX I also showed capital one proof that I returned the item back to the seller and with proof of tracking to capital one but yet capital one is still coming after me after they closed my case I've also attached the package with tracking number showing I returned the item back to the merchant I was told from the merchant that they had received the item back in there wearhouse and that it would take a month for them to process the refund the merchant I think is and overseas and fraud company I read reviews about full beauty brands and they have one thousand complaints from consumers like myself that all have gotten ripped of from this company one the XXXX XXXX XXXX website I even told capital one about the company and they said no problem we are going to fix it and give you a permanent credit and close your case they did but capital actually lied to me and didn't keep there word and instead rebilled me once again I didn't know they can do that since they considered the case closed in my favor I refuse to pay this bill since they promised me the case was closed this is unfair to me as a consumer I have never been late on any of my credit cards and I'm a good customer I feel I was treated unfairly by capital one
Consumer complaint received 2024-11-06
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. (FL)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 XXXX 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 2022-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Consumer complaint received 2021-09-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority (AL)

I applied for Covid related mortgage assistance through Mortgage Assistance Alabama on XX/XX/XXXX. I received a postcard from them in the mail on XX/XX/XXXX, stating that XXXX customers were able to apply for mortgage assistance if they had been unemployed after XX/XX/XXXX. I had been let go in XX/XX/XXXX and had been receiving unemployment benefits until Alabama ended benefits in XXXX. Since then I have had no income. I have submitted, then resubmitted forms. I have been instructed to sign forms regarding income and pay that are NOT mine ( pay or income ), and when I asked the processing agent ( XXXX ) why would I need to sign off on forms that don't even have my name on them? I was told that was what underwriting wants ( XX/XX/XXXX, @ XXXX XXXX  ). I struggle with why underwriting would require that. 

Today, XX/XX/XXXX, I was also told, on my call for clarity about what needed to be redone today, to complete a statement stating that I am not required to file a tax return. I am and do file taxes. I asked, " why would I do that? '' To which there was no immediate answer. I did not get the agent 's name, said she would need to send an email to someone to get more information and for me to wait for a reply. 

I have, so far, been able to make the mortgage, but my savings are depleted, and soon late fees and credit hits will happen because I'm still completing/re-completing and re-signing forms as the XXXX of the month and its grace period rapidly approach and we are late! 

The entire ordeal seems like a huge run-around and a way to avoid disbursing aid to needy taxpayers while pretending to try. It feels as though there is a hope that I will either give up or purger myself and therefore disqualify and legally harm myself. I have been printing, signing, scanning, and running to print shops in order to complete this never-ending application for aid for 10 days now. No application for help should require 10+ days and unending money for scanning and printing.
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (WV)

Received letter dated XX/XX/2021 showing an account placed for collection with afni. Details show debt owed to XXXX XXXX XXXX  I have not had an account with XXXX XXXX XXXX. Tried to contact afni by phone with no success, but sent by means of the internet I connected with their web site and informed them that I did not have such account and they had probably contacted the wrong person. I have not received any response from them. I do not know if this is an error on the part of the collection agency or a case of fraud to obtain money. I have never received any contact from XXXX XXXX XXXX regarding any account, as I have stated I do not have an account with them. I think any proof of debt owed must be provided by afni if they believe they have any legitimate reason to be pursuing the action they are taking.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NJ)

In XXXX of 2021, I purchased a used vehicle through XXXX within a day the car 's engine light came on. I choose another vehicle BUT though the 2nd car was comparable in make, model and price XXXX  wanted times more the down payment I had already paid. Ultimately, days passed and the 2nd car deal fell through. When I went to have the vehicle repaired I was informed I was in a " rebuild process '' that could take 0 days to " rebuild '' the original contracts. 

However, on XX/XX/XXXX my granddaughter and I were caught in a flashflood that totaled the vehicle. My car insurance quickly completed their process and paid the car off. However, XXXX and its affiliated finance company DID NOT. I have had to file several complaints with the XXXX  to get XXXX to complete the " rebuild " process. Likewise, I had to file a XXXX  compliant to get Bridgecrest to apply the checks to my account which they applied XXXX BUT removed XXXX XXXX, for reasons unknown to me. AND, today, Bridgecrest added a negative rating on my credit report for the full amount of the loan to a vehicle that has been paid off. Additionally, my GAP insurance company is waiting for XXXX and Bridgecrest to supply them with documentation to complete their process. 

These people have made a horror situation worst by lack of transparency and competency and I believe they are predatory lenders harassing me for a vehicle that they know was deemed a total loss from a natural occurrence. PLEASE HELP!