davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank have failed to provide consumer with an authenticated record of accounting to validate and verify alleged debt. This is my FINAL NOTICE to provide me my request for accounting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity. 

Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 

I have a right to this information, as its directly associated with the reporting activities associated with my financial record. 

Failure to act and/or comply will result in legal actions under Federal Laws.
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

COMENITY BANK have failed to provide consumer with an authenticated record of accounting to validate and verify alleged debt. This is my FINAL NOTICE to provide me my request for accounting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity. 

Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities associated with my financial record.

Failure to act and/or comply will result in legal actions under Federal Laws.
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX ACCOUNT NUMBER XXXX I was hospitalized due to XXXX on XXXX XXXX. 
on XX/XX/2021 i called XXXX XXXX to notify them of my hospitalization and ask for an extension or forbearance for the upcoming XXXX payment which was due between XX/XX/XXXX and XXXX XXXX i was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. on XX/XX/XXXX following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the 3- day late deleted from my credit report
Consumer complaint received 2022-09-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (TN)

I have disputed this account for over 2 years, I have requested several times for this company to send me proof that this is my account, I have contacted the bureaus and disputed over the phone, I was told I cant dispute this account and I have had times that the dispute had started over right before the 30 days, I have requested and sent my I.D to them front and back, I was told they will not accept my old police report and it expired, I have been a victim since XXXX. I mailed letters to all XXXX bureaus and XXXX said they never received them, they are reporting on XXXX ONLY and still says open, this is a payday loan and was sold and I have not received any proof as of today, I cant get this resolved through the XXXX XXXX and I have sent them a new police report and they still not following the guidelines.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to resolve the issue of late payment on this account for month ( XXXX XXXX  {$61000.00} Account number XXXX ). The report on XXXX shows us being late for 2 months ; the report on Transunion show us as being late for 2 months and XXXX show us as being late for 3 months ). I am have never been late on any mortgage payment. As you can see all 3 bureaus reporting are not accurate therefore the bureaus have violated my right under FCRA. I have for many months asked for a full validation or remove these inaccuracies. All I get back that it updated and factual with no explanation. I have attached a snapshot from all 3 credit bureau reports
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Refinanced mortgage with lender had a impound account with Dovenmuehle mortgage services located in XXXX IL, 5 years ago. This particular company did not report to me that my wife and I had a overage of over XXXX dollars. No check in the mail, no notice, no phone call. They held on to it for 5 years now it sits in Californias unclaimed property trust that I have to jump through hoops to obtain. Californias trust just received it 3 months ago. When I called Dovenmuehle 6 months ago, I informed them I have documentation that I had a impound account with them on a previous mortgage they said I had to contact CA and would no longer talk to me. Thanks again
Consumer complaint received 2022-09-24
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. (SC)

Im resubmitting 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 any item 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. 

XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
XXXX. The status is incorrect for the following account XXXX XXXX XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. I have sent mutiple letters and received no response.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

When reviewing my consumer report I found that there is a late payment that should not be reporting to my consumer report. This late payment has hindered me from obtaining credit. As a consumer exercising my right, I demand that it be removed.
Consumer complaint received 2022-09-24
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. (SC)

Im resubmitting 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 any item 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. 

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 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 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX/DSNB / XXXX / - BANK OF XXXX XXXX XXXX / {$1500.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berlin-Wheeler, Inc. (Kansas) (VA)

Berlin Wheeler is reporting a collection on my credit report. Account number XXXX. I asked for verification and they have not provided any information that verifies this debt. I never entered a consumer transaction with the company nor do they have a contract with my signature giving them consent to report or have my personal information. This company is violating my rights of the FCRA. Please remove this from all three of my credit reports
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

My credit card limit with Victoria 's Secret by Comenity bank was decreased and then the account was closed due to inactivity. I opened this account in XXXX of XXXX, it was one of my longest standing credit accounts. I managed to increase my limit up to XXXX before it was closed due to inactivity. First they reduced my limit to XXXX over only XXXX missed payment. Then shorty after I paid off and brought my account back to current, they proceed to close my account due to " inactivity! '' I had used the account in the Summer of XXXX. All of this occurred in a matter of XXXX  months. This closure of my longest credit card has significantly negatively impacted my credit score.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION (NY)

A fraudulent transaction was induced in my account and I informed the company of this ; they said they would terminate the balance and send out a new card in the mail, which still has not happened ; instead the balance has been let to grow with interest and now they expect me to pay it, without any proof that I did it. No communication from them has been taking place, rather evasion via mail letters I sent and phone calls.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XXXX XXXX I applied for a capital one secured XXXX with a credit limit of 200.00 when i make my security deposit of 99.00 before XX/XX/2022 in which I made that one payment came out on the XXXX of XX/XX/2022 the other one came out XX/XX/2022 one was for 50.00 the other one for 49.00. today XX/XX/2022 I get an email saying that I have been denied so I call them up to ask why and they told me I would have to wait to get my answers in the mail. I asked them for my money back and for them to fix my credit score they told me they would not fix my credit score and they did not say anything about my money. 

PS I JUST WANT MY MONEY BACK AND MY CREDIT SCORE FIXED PLEASE
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was XXXX  due to XXXX  from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called Capital One to notify them of my XXXX  and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the XXXX  day late deleted from my credit report
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My card account was closed 8 days after payment was due. I had not missed a payment prior. An automatic payment in full had been attempted and failed due to a held deposit in my checking account. I was not aware of this issue until the Capital One sent me a fraud letter outlining their closing of my account ( 8 days after the payment due date ), cease and desist and a demand for payment in full. There was no response when I wrote the company and the customer service was unreachable ( over 6 hours in total on hold ). Previous payments had been on time and in full. My credit limit had also been increased during my contract. I find this not in keeping with my card agreement and the lack of communication/customer service is unconscionable.
Consumer complaint received 2022-08-12
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. (VA)

XXXX XXXX XXXX States that I owe approximately {$1800.00} to XXXX I have not had a XXXX XXXX XXXX XXXX when I returned home from my XXXX to XXXX. I had my account closed with XXXX XXXX XXXX  and my account was in good standing at a XXXX balance. I do not know where this company got this information from but its wholly inaccurate and wrong. I received a letter from this company approximately 4 to 5 months ago and responded with my statement saying that I do not owe any money to XXXX  The company in question ignored my statement and filed this collection on my credit report wrongfully.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

Date : XX/XX/2022 To : Chase Bank, XXXX XXXX XXXX XXXX, VA From : XXXX XXXX Subject : Check from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing this letter to obtain funds that are in a closed Chase Bank Account. I deposited a check in the amount of {$3000.00} from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX Into a Chase Account which has now been closed and the bank will not refund the amount of {$3000.00} I was told by a teller at the XXXX XXXX if my Mom came into the bank with 2 forms of identification, the check would be mailed back to her. On Friday, XX/XX/2022, my mother, XXXX XXXX, and I jointly visited the Chase Bank on XXXX XXXX, XXXX XXXX My mother presented the two forms of identification and was told she could not receive the check because the bank was not able to verify its authenticity. 

We were given a toll-free Chase telephone number to call. Upon calling the XXXX Chase telephone number we were provided the following information : The representative informed us that the check was being mailed to my mother at her home address, wait for 8 to 10 days to receive it. 
After not receiving the check within the 10-day window, another call was placed to Chase. During this call, we were told that XXXX XXXX XXXX would need someone from their bank in North Carolina to come to a Chase Bank to verify the validity of the check. We explained that this is the Electric Company in the State of North Carolina, and they are almost three hours from XXXX, VA. 
The other option given was to have XXXX XXXX XXXX bank request the funds which would be difficult to do since this was a grant-funded project. 
Another call was placed with the Chase XXXX number on XX/XX/2022. During that call we were told the XXXX XXXX XXXX does not appear to be a legitimate company and we are unable to get the money back, however, the check will probably be turned over to the State of North Carolina as unclaimed and we would need to check that website. 

This is a very difficult situation and the funds are needed to pay outstanding debts. Attached is a letter from the agency that dispersed the funds. Every time we reach out to someone on the XXXX telephone number, we spend about 2 hours waiting for a representative to come on the phone. This has caused hardship during a pandemic when all of my mothers expenses are continuing to mount up because the money continues to be frozen in an account at Chase. Please help us to resolve this matter without me contacting XXXX XXXX XXXXXXXX XXXX XXXX for assistance. I can be reached at XXXX or XXXX. Thank you for your assistance with this matter.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

I have been dealing with this collection for over 2 years. 

2018 I lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX fl XXXX I had XXXX XXXX XXXX  internet service at this address. 
Upon moving to a new address I cancelled services with XXXX XXXX XXXX never missing a payment with them in its entirety. 

I returned the equipment to a XXXX store. Like any company requires. I dropped off the box and wiring. And the XXXX guy said thank you have a nice day. I said I didnt need a receipt. WHAT A MISTAKE!! 

2 months later I received a notification that my account balance was {$290.00}. I contacted XXXX XXXX XXXX IMMEDIATELY yelling at them telling them how I absolutely returned my equipment and obviously someone from their company did not do their job correctly. And I need this collection to be dismissed I was speaking to the manager on top of all of this! And they told me no problem sir, I will take care of this for you, I apologize. You dont need to talk to me like that, have a nice day Than I start reviewing letters from radius global solutions in regards to make an attempted debt collection on behalf of XXXX XXXX XXXX XXXX! So of course I contacted radius MULTIPLE times telling them the same scenario of what happened. But of course they could care less what I say Im just one person. They dont care what Im saying just want me to pay nothing they can do. 

For months I stopped reviewing mailed letters so I actually assumed they finally stopped and took away the collection. Until recently I started recieving them AGAIN!! only now Much worse. Because they have actually marked it on my credit report and is an official debt on my credit which has impacted my credit score ALOT!! 

I can not believe 2 years later Im still dealing with this issue all because someone didnt do their job correctly. Now Im paying the price for everything. I need this collection once and for all removed from my credit report. And removed all together with a RECEIPT and proof that it is done. I absolutely will not pay this nonsense. I only had 1 internet box with wiring, nothing else. Absolutely returned it and now Im getting XXXX