davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (DE)

Credit Collection Services and XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. Credit Collection Services, XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX transferred the account in reference without lawful authority to Credit Collection Services which is a violation of code 18 USC 1028 ( a ) ( 2 ). Credit Collection Services obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Credit Collection Services and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Credit Collection Services does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Credit Collection Services is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Credit Collection Services that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Credit Collection Services has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I applied for and was approved for a CapitalOne Venture card on XX/XX/XXXX. I received notification that it had shipped on XX/XX/XXXX. When the card had still not arrived, I called CapitalOne customer service on XXXX and XXXX. The first rep told me USPS had sent the card back and then I would have to wait until it returned. 

The second rep I spoke to on XXXX issued me a new card and said I would have to verify my identity by sending me a code by text message. I verified my identity this way when I first applied on XX/XX/XXXX, because I had trouble setting up my online account. This time the rep sent the text message and it did not go through to my phone. This was attempted twice and it didn't work either time. The rep then told me I would have to submit a photo of the front and back of my driver license for verification, and that it would take an additional 10 days on top of the two weeks I had already been waiting. The photos of the driver license are not blurry and I have used them for insurance purposes in the past. 

I submitted photos of my driver license, and then followed up on XX/XX/XXXX. Customer service told me the photos were blurry and that I should have been contacted to submit a better image. I was not contacted about this, and furthermore I already have a bank account with CaptialOne, including a debit card that was successfully mailed to me and activated. They know who I am. There is no reason for this verification. There is likely a technical issue with their system, because I was verified before over the phone by text message. I should not be penalized for their issue. 

Additionally, there is a sign-up bonus associated with this card, and it includes a spending requirement that must be met within 3 months of opening the card. CapitalOne has already wasted a month of my time dealing with this, which could lead to me not receiving the sign-up bonus and other benefits of using the card.
Consumer complaint received 2022-09-20
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Consumer complaint received 2023-03-20
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. (MD)

I mailed Equifax a letter on XX/XX/23 to request, the a credit report was accurate and correct .When i received the up dated report .The XXXX account was, different on the on every Credit report. The payment history and the charge off date and account type -detail. Plus there was several more errors. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States, I have a right to my privacy 15 U.S.C 1681 604 A section 604 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing in response to your notice about an alleged debt : XXXX XXXX XXXX XXXX XXXX XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.
Consumer complaint received 2023-02-01
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: American First Finance, Inc. (MI)

This is a formal notice that I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates.

I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete any account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. 
Failure to delete the tradeline will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Mortgage — VA mortgage
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: NEW YORK COMMUNITY BANCORP INC (CA)

This complaint is a continuation of the previous complaint. The result from the previous complaint was that I was approved for a VA partial claim through the original lender XXXX mortgage in XX/XX/XXXX. The loan was transferred to Flagstar Bank shortly thereafter in XX/XX/XXXX. 

We signed the note for the partial claim in XX/XX/XXXX and thought we had met all of the requirements. However we were advised later that the note was never recorded because the lender made an error on the docs and had the payee listed as HUD instead of VA. 

In XXXX of XXXX, we had a notary come to the house and re-signed the Note. 
Again we thought the issue was finally resolved. Then in XX/XX/XXXX, we were advised again that the note was never recorded due to yet another lender error on the documents. 

The lender is now asking us to sign a XXXX time saying they corrected a " minor '' typo in the verbiage however I noticed that they had also changed the Payee from VA to a private lender XXXX XXXX  without mention. This concerns me as this lender has had multiple cases and lawsuits against them and I don't feel that I would have the same protections as with the VA as payee.

Flagstar Bank has recently sent me a letter stating loan documents were rejected due to BORROWER error which is simply not true, they are the ones that generate the documents. Flagstar bank is now also threatening to reverse the partial claim and force me to pay the lump sum in full or face default OR enter into a new loan modification at a much much higher rate which would substantially increase my payment and is much more favorable to the lender. 

in conclusion, Flagstar bank has made numerous document errors, is sending me in accurate statements every month showing full partial claim amount is due, and has overall delayed and jeopardized my VA partial claim in whole and has not met the requirements per 36.4805 which states servicer must record the security instrument timely, as prescribed in 36.4807
Consumer complaint received 2022-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

Like everyone, the pandemic disrupted my life and my income. I called my lender and asked for a forbearance. I was given the forbearance by Flagstar and tried to get everything sorted out. When I resumed working and earning an income again, I called Flagstar to resume payments and was told I would be sent to FHA for a post COVID assistance. I received a phone call from my lender on XX/XX/2022 stating that I was denied and would need to send in a full documentation modification review. After a return call we spoke to XXXX ID XXXX who said the partial claim was denied because the past due amount is greater than 25 % of unpaid principal balance. This is all well understood by me and I do not have a problem with the denial of the partial claim. The problem is that when I asked XXXX to send me back to FHA for a recovery modification review, he refused. He stated an entire documentation package would need to be sent. I asked why can I not go to FHA for the streamline recovery modification. I was told that the streamline recovery modification was a full documentation review. After research, this is incorrect. My lender will not listen to me and will not send me to FHA for the assistance I believe I qualify for. Also, the phone call telling me I was denied and needed to reinstate did not offer any other alternative. When I looked into this, I believe I was misinformed about the options available to me.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (CA)

On XX/XX/2022, XXXX payments were presented against my account, which resulted in an overdraft on XX/XX/XXXX. The overdraft was - {$1200.00} ; however, these payments were returned. On XX/XX/XXXX, I received a communication that my account was frozen until I deposited {$1200.00}. On XX/XX/XXXX, {$2500.00} was electronically transferred into my account. From this point forward, my account showed an available/on deposit positive balance when logged in. On XX/XX/XXXX and XX/XX/XXXX, debit card transactions were processed. Today I discovered that an ACH payment to a credit card for {$380.00} was returned because my account is frozen. I am confused because a {$2500.00} deposit was made on XX/XX/XXXX, more than what was needed to unfreeze the account. Two debit transactions have been processed since then. I was told that because the two payments returned on the 3rd could be re-presented, I would need to deposit {$190.00} to cover these potential debits as well as the most recent payment I made -- I made this payment because I was unaware that my account was frozen, having received no further communication after making the deposit. I was not instructed of anything more after complying with the deposit request. 

I asked that a stop payment be put on the sole check of {$1000.00}, which had been returned on XX/XX/XXXX, to guard against it being re-presented. This check is what overdraws everything. Even with doing this, I still need to deposit enough funds to cover this check even though it will be stopped. 

The irony is that if that check had been re-presented, I had enough funds to cover it, but since my account was frozen, it did not go through, and I had no idea. I don't understand why they didn't do their normal process of paying everything and just returning the check instead of freezing my account. 

As a result of the freezing of my account, the two additional credit card bills I paid out of this account yesterday will be returned. I would not have made payments against this account had I known it was frozen. Now I will be subject to three credit card fees and potentially worse.

I am experiencing economic hardship, and Citibank has only worsened my burden. They have opaque and capricious policies, which are not made clear to the customer. When I can, I will shut down all my accounts with Citibank. I became their customer through acquisition -- the bank where I was a customer was a local one they bought. I chose a local bank to avoid this level of callousness.