davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-13
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To Whom it may concern, On or about XX/XX/XXXX I received a call from Capital One bank informing me that they had identified potential fraud in a checking account. They explained to me they had identified that business checks made payable to XXXX XXXX XXXX were being deposited into a personal checking account at Capital One. After confirming I was the owner of XXXX XXXX, they sent me copies of the checks. I was able to use the information on the back of the check with my payroll system to identify that my employee XXXX XXXX had stolen the checks from the mail and deposited the checks in her personal account. 
Not only did XXXX XXXX not have authorization to deposit XXXX XXXX checks, XXXX XXXX deposited the checks in her personal account with nothing more than a scribble on the back of the checks using remote deposit. ( See attached ) It is undeniable that that Capital one used no care at all when depositing the checks made payable to XXXX XXXX XXXX into the personal account of XXXX XXXX. In conclusion Capital Ones negligence allowed a criminal to steal checks from the mail and deposit them into their own personal checking account. 
I am asking the CFPB to advise Capital One of their responsibility and obligation to refund the money to the payor banks so that checks can be reissued to XXXX XXXX XXXX. Capital One has decided that the cost of litigation will dissuade us from taking legal action. This is completely immoral, unethical and wrong. A small business should not have to lose money simply because we dont have the resources to enforce the law. The UCC statutes are clear that Capital One is responsible to refund the money. Please help us!!!!!!! 

XXXX XXXX
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I recently sustained an unforeseen injury that has affected my vision and I'm currently on XXXX, receiving only portion of my regular salary. According to my physicians, it can be months before my vision has improved enough for me to be cleared to go back to work. With my return to work being months away, me taking a hit in my take-home wages and having now additional obligations compounding in the form of medical bills, I reached out to Capital One about my credit card balance, which is current and in good standing at the moment, to see if they could assist me in anyway with my monthly payments and interest rates during this financial hardship. I attempted to convey this request twice to their customer care team. Both times they denied my request for an adjustment on the interest rate, stating my acct " doesn't qualify for an interest rate promotion this month, but call again next month to see if you do '' as if I was in some sort of sweepstakes. I came to Capital One in good faith based on the unfortunate hardship and situation that I am enduring and I did not expect this lack of empathy and customer service. When I reach out to my other creditors, XXXX and XXXX XXXX, they were more than empathetic and understanding to my situation, assisting me with 0 % APR for an extended period of time and worked with me to get my monthly payments in a range where I would be comfortable while I weather this storm. That is why I am very disappointed and applaud that Capital One would treat their customers this way. They seem to care more about their bottom line, rather than taking care of their members.
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services (NC)

I purchased a XXXX XXXX XXXX in XX/XX/XXXX a month later the motor blew out. And found out that XXXX XXXX was shut down for embezzlement and fraud. The vehicle was financed through Lendmark financial agency. I tried to contact the corporate office, and I feel as though I shouldn't be held responsible for the car, and I think that XXXX XXXX  knew that they sold me a lemon. I'm a struggling man on XXXX, and I'm not getting any service out of the vehicle, and I repeatedly told Lendmark financial agency to come and get the vehicle. I have told Lendmark financial agency when the vehicle broke down, to come and get the vehicle, and they refused to get the vehicle, because they knew the vehicle was inoperable, and now they are telling me that the lien, and now they are telling me that they do not know who has the lien on the vehicle, and it was released from Lendmark financial agency in XXXX. And now I don't know what's going on, what do I do?
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My investigation started on XX/XX/2022. Transunion refuse to investigate stating I hired a 3rd party facility. I completed my letters myself. I included my identification so the signature match. I have contact them with no avail.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have had my information compromised in several different breaches. Just to name a few ( XXXX ), my current phone provider, as well as ( XXXX ), which is my jobs service portal. During these breachs all my information exposed my full name. Date of birth, XXXX, and Driver Lincened #. Someone has applied for a card this month alone ( XXXX ) twice using my information. The first one was with Capital One, which I do currently bank with. However they applied for and credit card, the location of the fraud was in XXXX North Carolina. I city and stated that I do not reside in. The second attempt was with XXXX XXXX Bank. This attempt took place on XXXX XXXX, and was done online. I am a victim of identity theft, and I need this problem to be taken care of immediately.
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

I occasionally check my XXXX Score and found it suddenly dropped a few months ago. I recently checked my credit report and found two cases of apparent purchases, I suppose in my name, that were sent to collection. Neither of these are legitimate accounts. One for XXXX XXXX XXXX, which I have not had an account with since last century, and XXXX, which I never had an account with. 

I've tried to dispute these claims through Experian but have not had any resolution.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account XXXX : XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-10-21
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 reported to all 3 credit credit bureaus that I am a victim of identity theft. They refuse to remove fraudulent accounts from my credit profiles. I have never had a XXXX account, I have never lived at XXXX XXXX XXXX nor have I ever applied for a student loan. These accounts need to be removed immediately. 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

In XX/XX/2018 I ended my contract with XXXX after 5 years, I canceled it on the contract end date according to the representative. I canceled it and went into a XXXX store and worked with a customer service representative for XXXX who Took my phones and equipment on the account, I paid for one phone I wanted to keep for our daughter. I paid the account in full at the store with a check ran as a direct ACH debit at the register. The account was then canceled and I left. Only to later receive a bill for {$190.00} from XXXX. Which has now been sent to collections and reported to the credit bureau negatively and inaccurately by Convergent Outsourcing INC . I have sent proof to both companies, this account was paid in full on the cancelation date. 
This account was paid in full and canceled at the XXXX store with a representative who said it was now closed and no further charges would be assessed. I also called customer service to verify this and was told it was closed and PAID IN FULL. Theres not much more you can do to close an account and avoid further charges. This is unfair, and inaccurate and causing my score to drop severely with XXXX. I have disputed this with the credit bureaus with proof of payment in full on the memo of the check paid as an ACH at the register at the store, so I had proof of payment. I do not owe this debt to XXXX which sold it to C.O.I. who is also repeatedly violating My FDCRA by changing the assigned date of this account. It is only being reported to XXXX  now.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (GA)

The Credit Bureaus stated the following Accounts were properly investigated but how is that possible if it's inaccurate. This alone is grounds for removal. They also violated my rights under 15 U.S. C. 1681 Section 604 A Section 2. The Law clearly states a consumer reporting agency can not furnish an account without written permission 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
Consumer complaint received 2021-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (SC)

A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of 15 usc 1692b. Pursuant to 15 usc1611 Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to 15 usc 1640, and they are liable for each fdcpa violation pursuant to 15 usc 1692k. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On the date of XXXX i submitted a dispute to Transunion in reference to the incorrect information that was listed on my consumer report which is hindering me from advancing in my life. I am currently in the process of purchasing a home and due to the incorrect data i am unable to move forward in that process. The most stressful part of it all is that my information was included in the XXXX data breach and it seems as though Transunion is unconcern about that fact. The proof shows in the fact that it is nearly 60 days from the date of my initial letter which was sent via usps certified mail which shows the date that my letter was received and that date was well over the gven 30 day timeframe. it also gives the impression that my right to dispute the incorrect data on my consumer report was violated. AN investigative consumer report is supposed to be completed as well as not include specific factual information
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (TX)

In XXXX, I switched cell phone service from XXXX to XXXX and paid any balance in full. Months passed and eventually got a new bill under my name with a DIFFERENT PHONE NUMBER that I never had. I communicated with customer service and they transferred me to the Fraud Department. The rep determined the account was created by an unknown employee by using my identity. I contacted the local authorities and filed a report, which I have attached in you page. 

Debt has been sold to third party collection companies that I have called to inform it has been fraud. 

On XX/XX/XXXX, I wrote a certified letter to CBE GROUP demanding proof that this debt was mine. I also included the police report. 

On XX/XX/XXXX, CBE GROUP responded with the attached letter ; informing that the debt was confirmed. 

This situation has affected my life and credit opportunities. 

I respectfully request to investigate with hopes of removing this record from the bureaus XXXX, XXXX, and XXXX. 

Thank you.
Consumer complaint received 2019-03-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I want to know what type of mortgage loan I have since I was denied FHA insured due to Fifth Third Bank submitting the incorrect appraisal? I want to know your originated guidelines with FHA and MSHDA key to own homeownership program? Your original statement you received a inspection report saying the sink was leaking and later saw it was from my previous address I rented and not purchased. I call XXXX XXXX representative of fifth third bank in the mortgage department why you realize after you responded XX/XX/XXXX. I made my complaint XX/XX/XXXX. Two weeks later XX/XX/XXXX it was use for part of my loan process of proof of residence. When I provide proof of residence with my utility bills. XXXX XXXX the underwriter email me stating the landlord didnt give reference and hung up the phone with no explanation. She was upset because I lived there 7 years in the condominium the lender said itll be a problem with sold as is but I got a flipped property sold as is with all the safety and conditions ongoing issues. Im confused with the FHA guidelines and your guidelines? What is your guidelines for the home and consumer as myself? Why I have to file a complaint on why I was rejected with FHA? You stated my loan is service in accordance with FHA procedure? Is that lawful and how with a newly loan? I know my guidelines to receive assistance but what is your guidelines to give assistance? Why I cant speak to nobody in the mortgage department but XXXX XXXX? Before everybody was giving me the run around before I filed an complain with CFPB? Like my mortgage account is flag? One year later I received an answer of the letter or miscalculation or documentations or repairs during the routine review dated XX/XX/XXXX but thats not true because you stated XX/XX/XXXX. I was denied two weeks after closing? In your response? Im so confused with your statements. Can you please answer my questions!
Consumer complaint received 2022-02-03
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. (AZ)

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 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 2019-03-22
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. (UT)

XXXX XXXX XXXX XXXX  is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NV)

XXXX XXXX is attempting to collect in a bill not owed I XXXX XXXX do not have a contract with XXXX XXXX and only time I had XXXX XXXX I had a prepaid account meaning I paid upfront for internet services and if I dont pay I dont have internet This collection been on skin off 2 times and put back on with different companies I dont not have a contract with
Consumer complaint received 2022-01-31
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. (LA)

I have an account with experian.com and I received a letter stating my credentials were sold to a company name XXXX XXXX and I also had an account with this credit repair business call XXXX XXXX XXXX and I have been paying {$99.00} for 9 months in a row however none of the credentials fell off my report and when I canceled they are still trying to take payment off of my card that I canceled. Im also getting letters with my married name for items I opened in my maiden name which do not make any sense and I also have stuff on my report that doesnt belongs to me and Im also filing a report with the local authorities and Im in the process of waiting on a call from an fraud experian specialist on this same matter.