davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (CT)

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.

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 seven 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 2022-06-23
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: EQUIFAX, INC. (GA)

Dear Equifax I am a victim of identity theft, the information listed below, which appears on my credit report, does not relate to any transactions that I have made. Im writing to dispute certain information in my file resulting from the crime. I have circled the items Im disputing on the attached copy of the report I received. Again the items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
The items are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the items be removed to correct the information.

ATTACHED are copies of the Police Report, FTC Report and documents to prove my Identity supporting my position. Please reinvestigate these mattters and delete the disputed items as soon as possible.

Additionally Equifax has TWO ( 2 ) public records reporting on my file that arent verified. I have personally contacted the UNITED STATES BANKRUPTCY COURT OF NORTHERN DISTRICT OF GEORGIA via US Postal service in regards to BOTH unverified public records and the court has returned Communication stating ( The bankruptcy court is not a vendor who supplies records for any of the major credit bureaus. ) Secondly Ive contacted XXXX XXXX whom shows NO bankruptcys on my credit report. I have attached the official responses received from each party to this CFPB complaint for proof and your review purposes. 

Bankruptcy : Dismissed XXXX XXXX Bankruptcy : Dismissed XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Sincerely, XXXX XXXX XXXX : * Fraud Complaint with the Federal Trade Commission - # XXXX * Police Report - # XXXX * Bankruptcy Court Document * XXXX XXXX XXXX stating removal of unverified XXXX * Copy of Credit Report * Proof of Identity - Social Security Card / Drivers license * Proof of Identity - Bank statement showing current address * FCRA 611, 15 U.S.C. 1681i
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have applied for CapitalOne Venture X card in XXXX this year. My application got approved and I received my card towards the end of XXXX. As soon as I received the card and activated it, I used it immediately. Then, to my surprise, my card was put on restriction right after my first use and I cant use the card since XXXX. However, I got charged for the card annual fee of {$390.00} immediately. 

I contacted CapitalOne to find out why my card was locked and was requested to submit additional documents for verification. I have provided CapitalOne my New York State driving license, my Social Security card and a copy of bank statement that I have with XXXX XXXX. I banked with XXXX as i have my investments with them. My bank account with XXXX is XXXXXXXX XXXX account. They denied the verification of my bank statement. They told me that the bank statement needs to show either checking or saving accounts. 

I strongly believe that CapitalOne has not completed the application verification process for my case but rushed to approve my application in order to charge me for the annual fee. If I cant use the card due to the incomplete verification process from CapitalOne, I should not be charged for the service that is not delivered. XXXX XXXX ( ID # XXXX ) insisted that it was fraud. I do not understand how I committed fraud if I applied for a credit card for myself and I have provided all required documents. I dont have any utility bills under my name because I travel out of country a lot so the rent and utility bills are under my friend who I share the apartment with. But I found it is not relevant. 

For my case, since I cant use the credit card, I have requested for the refund for my annual fee but they refused to refund me the annual fee of the credit card that I am not allowed to use. I would appreciate if you have someone look into my case ( CapitalOne case no. XXXX ) and let me know if there are something you can do. I hope other customers do not have to have unpleasant experience that I have to go through with my experience with CapitalOne. Thank you in advance.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had five IRA CD accounts with Capital One. They had decent interest which evaporated in a year. 

Recently, they decided to simply drop handling IRAs. They informed me that in XXXX sometime they would transfer it to XXXX. They consolidated the accounts into one except for a CD that had not yet matured so I have two accounts STILL with Capital One. 

After some research, I decided to shift the entire amount to XXXX. Today, they informed me that Capital One said they aren't handling it and I needed to provide the XXXX  account information -- which of course I do not HAVE because Capital One is still holding MY money to apparently do with as THEY wish, not as I have directed. I spoke with them today, XX/XX/2022 and was informed, as evidenced by logging in to my account, that the funds are still held by Capital One. 

This is quite simply fraud. Can you help me? 
Thank you for your attention. 
XXXX XXXX XXXX
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (WA)

Someone added me as an authorized user on their American Express card. Amex did not disclose that it will report the opened date of the account instead of the original primary account holder information as it is. They never disclosed the right information and what they reported impacted my credit score and the age of the accounts. Amex is not following the same practices that other credit card companies follow. I want to report this so that the Amex policies can be audited.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

CapitalOne Bank opened a checking account on my name, DOB, SSN & Address without validating the identity, and also allowed to create an online account. 

Lucky that the debit card reached my address and was able to get the account closed.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, - XXXX XXXX XXXX
Consumer complaint received 2022-07-12
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on accounts I have listed below. After which I also filed a complaint with the CFPB ( Consumer Financial Protection Bureau on XX/XX/2022 for improper usage of my credit report. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX US BANKRUPTCY COURT Account Number : XXXX Account Name : XXXX XXXXXXXX US BANKRUPTCY COURT Account Number : XXXX
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc. (PA)

I recently checked my credit file and identified that the debt collector is now reporting the account in question in an attempt to collect the alleged debt. I have never received any initial communication from their office regarding the alleged debt or their attempt to collect on it. I also spoke with their agent, XXXX XXXX, today and advised her that I dispute the validity of this debt and the personal information associated with me in their files. She advised that she sees insurance was involved and I advised her that the address she has on file is not valid and I do not know how they received that address associated with me but she still refused to remove it from my credit file to properly provide notification of debt, allow time to conduct a thorough investigation, and allow the opportunity to dispute and request legal verification. I am unaware of and dispute this alleged debt. Therefore, please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety.
Consumer complaint received 2021-10-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NC)

To : The Office of Registered Agent for Credit Collection Services XXXX XXXX XXXX XXXX. 
CT XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and the original creditor, bonds, the original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX private medical information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

I have the right to request this information due to the freedom of information act & equal opportunity act. 

The consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY.
Consumer complaint received 2024-10-24
Product: Credit reporting 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 couldnt believe my eyes when I saw inaccurate accounts listed on my credit report today. I have no idea where they came from. Ive always checked my credit regularly without any issues, but this time, something was seriously wrong. Even after refreshing my browser multiple times, nothing changed! Im requesting a thorough review of my documents so that I never have to face this kind of frustration again.
Consumer complaint received 2024-10-23
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. (AL)

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.

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 seven 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 2022-02-26
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: Santander Consumer USA Holdings Inc. (GA)

Companys refuse to remove from credit reports sent multiple reports XX/XX/2020, XX/XX/2020, XX/XX/2020 all with attached police report letting them know this account is not mine and was open due to identity theft.
Consumer complaint received 2021-11-09
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. (NY)

I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nationwide Capital Services, LLC (TX)

I am filing a complaint regarding two collection accounts listed on my credit report from Nationwide Capital Services dba Structured Settlement. Accounts XXXX and XXXX are to be deleted from my credit report. The original creditor for account XXXX, XXXX XXXX XXXX states on their website that they do not report credit in Texas. I have attached this as evidence. Account XXXX for XXXX XXXX was never properly verified by the original creditor as required by law. Additionally, there is a business registration violation. Nationwide Capital Services is not registered to do business in Texas, and its right to conduct business has been forfeited. They have no website listed under either business name, no address, no contact information. I have attached proof of this forfeiture.
Consumer complaint received 2022-06-21
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. (LA)

Accounts has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions. 
XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I obtained a home loan through XXXX XXXX XXXX XXXX  on XXXX XXXX. I received a notice of service transfer on XX/XX/2021 ( the letter is dated XX/XX/2021 ) that the loan had been transferred to Community Loan Servicing , XXXX effective XXXX. I had made the XX/XX/2021 payment to XXXX XXXX XXXX, and the check cleared my XX/XX/2021. The payment went to the previous servicer since the notice of transfer was not mailed until XX/XX/XXXX at the earliest and received by me XX/XX/XXXX. 

In the letter it states the XXXX payment must be made to the new servicer, which of course is not possible given the letter was mailed so late. On XX/XX/2021 I received a debt collection email from Community Loan Serving XXXX stating my payment has not been made and and is due to Community Loan Servicing. The payment of {$4800.00} had been made to the previous loan servicer. Community Loan Servicing has required that I provide proof of the XXXX payment. My issue is this is their problem as the servicer that bought my mortgage and executed the transfer so poorly that the transfer of service notice was not sent in time for me to direct the payment to them. They did state I have a 60 day grace period for late payment fees and credit reporting, but that if I did not provide this proof, my loan would be delinquent after the 60 days. This is at best nonsensical and very poor servicing.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I wrote a letter to Experian, XXXX, and XXXX about the unlawful use of my public records. According to laws 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 : states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the collection of any debt. Please make necessary deletion and corrections to my credit report made under FCRA 609 ( a ) regarding an erroneous item on my credit report involving wrong names and social security numbers. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. Please see attachments of verification of my identity, deleted and closed accounts. Experian, XXXX and XXXX has same account number but different name please remove these accounts.
Consumer complaint received 2021-11-09
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. (IL)

On XX/XX/2021, I sent a letter to XXXX a verified asking them to verify the validity of a bankruptcy they are reported on my credit file they then responded to me with a letter stating that it was verified through XXXX. Then I went directly to XXXX to dispute the item in question XXXX came back to me saying they could not verify the items in it was deleted from their database on XX/XX/2021. 

I then went back to XXXX on XX/XX/2021, showing them that the bankruptcy was deleted from the XXXX profile. Informing them if they can not provide the source of verification that this bankruptcy needs to be deleted from my credit profile immediately as it is defaming my character. XXXX XXXX responded to me that the bankruptcy was verified through the bankruptcy court I also provided to them on XX/XX/XXXX as well as XXXX and XX/XX/2021, that the bankruptcy court provided me a letter on XX/XX/2021, stating that they do not provide verification of bankruptcies to any credit bureaus. Credit bureaus are responsible for verifying bankruptcy through third-party agencies in the third-party agency that XXXX indicated that this bankruptcy was verified with XXXX who was unable to verify this allege bankruptcy as accurate information in removed from my profile as accurate information. According to the FCRA the credit bureaus must report accurate verified information in this information is not accurate nor is it verified, and they are refusing to delete this information, XXXX is out of compliance with by law and this is affecting my credit profile. 

This item needs to be deleted from my credit profile immediately within the next 30 days. 

XXXX XXXX XXXX : XXXX