davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom it may concern : I filed my Bankruptcy on XX/XX/XXXX. It was discharged on XX/XX/XXXX. 

I had 3 credit cards with Capital One, before my Bankruptcy. Capital One was served with my Bankruptcy petition by the court, But they are reporting erroneous information to the 3 credit bureaus, pertaining to the accounts that I have listed below. I have disputed these accounts directly with the credit bureaus, and each time they are verified by Capital One. The information updated is not reflecting my Bankruptcy discharge status. Instead Capital One has been reporting false information that hurts my credit scores. I have also noticed that Capital One is reporting payments past my Discharged date, and re-aging these accounts. 

I sent a certified letter to their CEO ( XXXX XXXX ) on XX/XX/XXXX, explaining the incorrect reporting, asking for his assistance, but I did not receive any reply from him or anyone else from Capital One. 
The only response that I received was erroneous, inaccurate reporting on my credit reports. Apparently, Capital One is not interested in reporting by FCRA guidelines. 

Capital One did not open an investigation into this false reporting. Instead they reported anything, but the correct discharged status on these accounts. 

I have listed below the information that Capital One believes is correct. 

On XX/XX/XXXX XXXX  was reporting account # XXXX as Included in Bankruptcy. 
On XX/XX/XXXX XXXX  changed the status to an Open Account. 
On XX/XX/XXXX XXXX  changed the status to a Charge/OFF. 

On XX/XX/XXXX XXXX  was reporting account # XXXX as Included in Bankruptcy. 
On XX/XX/XXXX XXXX  changed the status to an Open Account. 
On XX/XX/XXXX XXXX  changed the status to a Charge/Off. 

XXXX  is reporting account # XXXX as ( Charge/OFF ) .This status has remained thru selected dates. 

XXXX  is reporting account # XXXX the status of Discharged In Bankruptcy thru all dates. 
XXXX  is reporting account # XXXX the status of Discharged in Bankruptcy thru all dates. 
XXXX  is reporting account # XXXX the status of Charge/Off thru all dates. 

XXXX  is reporting account # XXXX the status of Discharged in Bankruptcy thru all dates.

XXXX  is reporting account # XXXX the status of Discharged in Bankruptcy thru all dates. 
XXXX  is reporting account # XXXX the status of Charge/Off thru all dates. 


As you can see, Capital One is not reporting these accounts as Discharged through Bankruptcy. 
I need your help resolving these issues. I am trying to purchase a home, and Capital One is destroying my chances of securing the financing I need.
Consumer complaint received 2020-08-23
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: Resurgent Capital Services L.P. (NV)

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed. I haven't received any investigation results.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX i used an XXXX atm to take out {$360.00} out of my BofA/XXXX  card. The atm malfunctioned and didnt dispense my money but still charged my card. I submitted a claim with BofA and theyve been giving me the run around ever since. Iv tried everythimg imcludimg ombudsman and OCC to get my momey back with no luvkCK. BofA ARE THIEVES!!!! ... .THEYRE KEEPING {$360.00}. THAT ISNT THIERXXXX. PLEASE HELP!
Consumer complaint received 2020-08-23
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. (DC)

I claim bankruptcy that was discharged in XX/XX/2011. XXXX XXXX and XXXX have removed this bankruptcy off of my credit report. I have repeatedly contacted Experian and requested that they do the same and they will not let me speak to a manager or give me a detailed explanation as to why theyre keeping a bankruptcy on my credit file for almost 10 years. When I ask for proof of where they are receiving their information, they cite to XXXX which is not always accurate. Experian is engaging in unfair consumer practices by forcing consumers to have bankruptcies appear on their credit report for an unfair and extremely lengthy time impairing a consumers ability to obtain loans or financing at fair interest rates and hindering a consumers ability to compete in todays declining market. Experian is nothing more than a company that should not have the authority or the ability to keep a consumers credit in ruins for roughly 10 years. As mentioned, Experians competitors, XXXX   and XXXX XXXX, have ethical practices and policies that Experian should be forced into conforming with or Experian should be banned from the market as a credit reporting bureau. Experians current practice is deceptive and unfair to the consumer.
Consumer complaint received 2020-11-17
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. (PA)

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 ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible as it is hindering me. Im trying to advance in my life by getting a house to provide for me and my family.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WA XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

someone may have stollen my identity my address is : XXXX XXXX XXXX XXXX, PA XXXX please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A. (MI)

On XX/XX/year> I deposited a check to PNC bank in the amount of {$17000.00} for furniture that I was selling to a person named XXXX XXXX XXXX and XXXX. The check was from an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Bank name : XXXX XXXX. 

After depositing the check, it was cleared for payment on XX/XX/year>. I went to the bank to withdraw the payment that would be paid to their movers when they arrived to pick up the furniture. Subsequently, the next day the check was reversed and I was not given a reason why leaving my account in the negative for {$2900.00}. I contacted PNC bank to see why the check was being reversed. I was told that the check would be returned to me and that I could attempt to redeposit it because the copy they were sending to me was a legal copy of the check. I tried contacting XXXX XXXX to let him know that his check had been returned. I left him several voicemail messages which he did not respond to subsequently he changed his phone status to not accepting calls at this time. 

The check arrived about a week later and it indicated on the check the RETURN REASON - XXXX UNABLE TO LOCATE ACCT. I have been going back and forth with PNC regarding my account being overdrawn by this check and it creating an overdraft.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX  are reporting bankruptcy on my credit file. Both Experian and XXXX  as of recently investigated based on their records for their investigation and sent out the request to the data furnisher, but the data furnisher didnt respond within the certain time period. Both Experian and XXXX  proceeded to send out a letter stating Bankruptcy verified or updated letter.
Consumer complaint received 2020-08-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (ID)

I first contacted Lakeview Loan Servicing Customer Service on XX/XX/2020 to discuss the process of how to go about having PMI removed from my mortgage as I have made home improvements to  my property and there has been significant appreciation in the local market area. I was on the phone for more than an hour being shifted around to different departments as no-one could help me with the question. I was not able to have my question answered. 
I called back on XX/XX/XXXX with the same question and was circled through different departments again and put through the insurance department. The girl I spoke with was more helpful, but not too sure of the process so put me on hold quite a bit too get the information I was seeking. She said she would send my request to the proper department and flag it as urgent as I had already called 5 days prior with no resolution. The timeline for a response would be a few days from the department with the urgency flag. I was to receive a list of requirements for the PMI removal which would be a list of approved vendors in my local area for an appraisal on my property or I could provide a list of the home improvements made with a broker 's report. 
I did not receive a an email or anything in the mail from Lakeview Loan Servicing regarding my request. 
Thus, I sent an email on XX/XX/XXXX to customer service on the website in which I received a ticket number back to my personal email for the same request although it said to not send duplicate requests. I believed I would hear back from the support team since their was a written ticket instead of phone support calls. 
I did not hear back. 
Hence, I sent another email on XX/XX/XXXX to customer service on the website in which I received a ticket number back to my personal email for the same request. 

As this is the fourth attempt, and I have not received any instructions or received any customer support, I am concerned that the mortgage lender is not abiding my rights of the federal Homeowners Protection Act. I have the right to request the instructions of how to cancel PMI  and they are not allowing me this option by not responding. 

Next, I am concernced if and when I receive these instructions, will this lender work with me in the removal? Or continue to be non-respondent. 

Thank you, XXXX XXXX
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2020, I received a settlement letter from Navy Federal Credit Union. It stated that if I paid a settlement amount of {$1400.00}, then the debt would be settled. I then went and got a money order for the amount. I went into the Bank and actually paid and got a receipt for the payment. Then on XX/XX/2020, I received a letter from Navy Federal Credit Union demanding the remaining balance and not honoring the settlement agreement that they provided me on XX/XX/2020 for which I paid on XX/XX/2020.
Consumer complaint received 2020-08-23
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: NAVY FEDERAL CREDIT UNION (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I also understand that the credit bureaus have been allowed and additional 15 days to investigate, and yet still have not received any investigation results.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation (RI)

MetaBank sent me an unsolicited card ( ready for activation ) by mail, to my old address ( luckily it was forwarded to me ) in a card requesting my direct deposit ( bank account ) information. When I tried to call the number on the back of the card, it kept asking for my full social security number, which I would not enter because, again, I did not request the card so I'm not even sure if this is a legitimate business. Because I would not enter my information, the automated system just hung up on me with no option to speak to a representative. I work in the banking industry and have never heard of this practice of just sending out live cards for activation to people who did not actively request them.
Consumer complaint received 2020-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ALL 3 CRA REPORTING OUTDATED ACCOUNTS SINCE XXXX - XXXX ... NOT MINES/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-23
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. (TX)

My media bills I have been disputing have gone nowhere. I am a Veteran and they were an emergency so I had to go to the hospital. They were told to bill the VA!! NUMEROUS TIMES AND STILL THEY ARE ON MY CREDIT REPORT!! Also my X-wifes name is with my name XXXX -- She did get phones out on my credit also. She added herself on there to do that and was never questioned?? I have never applied for a credit card and there are 8 I think inquiries??? She will do that!! Once I get all this straight then I can lock my report. I have disputed all of this mess and still nothing has happen?? Thank You!!
Consumer complaint received 2020-08-23
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: Asset Management Outsourcing, Inc. (AZ)

I am a victim of identity theft. The tradeline, which appears on my credit report from Nationwide Recovery & XXXX XXXX  last reported XXXX XXXX2020 in the amount of {$180.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both Nationwide Recovery & XXXX XXXX individually and have not received any reply back.
Consumer complaint received 2020-08-23
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: Santander Consumer USA Holdings Inc. (NV)

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed. I haven't received any investigation results.
Consumer complaint received 2020-08-23
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. (IL)

On XXXX XXXX I disputed some delinquencies or late payments that where on my credit report to experian XXXX and XXXX   credit bureaus. I have been in a Chapter XXXX for four years they XXXX XXXX XXXX is the servicer of my mortgage and they have been reporting my mortgage payments to all three credit bureaus until I disputed the information that I felt that was inaccurate. The result of my dispute was that my credit report was red flagged and closed even though I have and open account with XXXX XXXX XXXX my XXXX score was in the XXXX hundreds now is XXXX. I fell that this was retaliation for me disputing the delinquencies on my credit report and am also in a Chapter XXXX. Under the Bankruptcy Law 11 U.S.C Section 1328 states and I quote Debts not discharged in a chapter XXXX include certain long term obligations as home mortgages so it is not there right not to report my mortgage payments to the credit bureaus.I feel very strongly XXXX XXXX XXXX violated my rights under the Fair Credit Reporting Act.I would like for my credit report to be restored the way it was before I file any dispute and that XXXX XXXX XXXX remove the Chapter XXXX from my credit report my account number with XXXX  is XXXX.
Consumer complaint received 2020-08-22
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. (GA)

To whom it may concern, I have tried to communicate effectively with the following credit reporting agencies XXXX, Transunion and XXXX  but was unsuccessful during my attempts XX/XX/2020. XX/XX/2020, XX/XX/2020 and XX/XX/2020. The account listed as XXXX XXXX XXXX XXXX Credit Card is a fraudulent account that has appeared on my account monthly with an increased balance monthly as a closed/ charged off account. The credit agencies have all responded incorrectly.
Consumer complaint received 2020-08-23
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 {$2300.00}, {$23000.00}, {$31000.00}. 
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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.