davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My complaint is with CaptialOne Saks Fifth Ave. 
I first noticed fraudulent activity on XX/XX/2022, when there were inquiries on my credit report, but I had not recently applied for credit. I promptly initiated a credit freeze with all three credit bureaus and began working with an ID protection company. The Restoration Specialist and I have made several calls to CapitalOne to seek resolution to the fraud. A detail of events is below : I received a letter dated XX/XX/2022, stating that I was approved for a CapitalOne - Saks Fifth Ave credit card for {$3000.00}. I did not, nor have ever, applied for credit from Saks Fifth Ave. 
On XX/XX/XXXX, I called CapitalOne, along with my Restoration Specialist, and we spoke with XXXX. I was told the Saks Fifth Ave account was opened but " immediately suspended for suspicious activity '', that the account would be closed, and the credit bureaus would be notified to delete the inaccuracies in my reports. 
On XX/XX/XXXX, I noticed in my credit report that the Saks Fifth Ave account WAS opened, and someone had made fraudulent purchases on the account. We called CapitalOne again, first speaking with XXXX who told us the Saks Fifth Ave card was approved, but a XXXX XXXX card was declined. ( Note : I did not apply for either ). We then spoke with XXXX. I repeated the information about the fraud and requested the account would be closed ( as we thought it would be after the first call to CapitalOne ). XXXX said CapitalOne would initiate an investigation and that I may receive a call from a fraud adjuster to provide more information. ( This call never came ). 
On XX/XX/XXXX, per the advice of my Restoration Specialist, I filed a local police report to have official documentation of the fraudulent activity. 
I received a letter from CapitalOne dated XX/XX/2022, stating CapitalOnes investigation was complete and deemed that I would be responsible for charges totaling {$2800.00}. The reasons stated were : We received signed documents, dated prior to the date of your fraud claim, acknowledging this account is valid and Activity on the account indicated you opened an interacted with this account. I have never received copies of such signed documents, and I have never made purchases using the card -- any interaction/purchases on the account are fraudulent.

According to my credit reports, the CapitalOne -Saks Fifth Ave account was closed with the outstanding balance {$2800.00}. 
We intend to call CapitalOne again to request they re-open the fraud/dispute investigation.
Consumer complaint received 2024-08-29
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. (TX)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NJ)

On XX/XX/XXXX I reached out to our city 's tax office to determine the amount of taxes we should be paying per quarter. They emailed Mr. Cooper on XX/XX/XXXX saying " The assessed value of this property is currently {$170000.00}. With our tax rate at XXXX, that equates to annual property taxes of {$9200.00}, or approximately {$770.00} per month. '' They attached a copy of the XXXX taxes billed, showing first and second quarter. We determined that we XXXX have over billed them based on an incorrect assessment. Our monthly increased by {$2000.00} and we were trying to determine why. 

On XX/XX/XXXX I sent a follow up email after not hearing back from the email on XX/XX/XXXX saying explaining that our escrow analysis was saying that we have an escrow shortage of {$11000.00} which is well above our XXXX annual taxes of {$9200.00}. In another spot of our account, it is saying we have a shortage of {$980.00}. I was confused about the different shortages we have and also confused how we have a shortage when it says we have {$8300.00} balance in our escrow account. I attached screenshots of what I was seeing as far as our escrow balance goes and requested a statement showing where we are short. I requested a phone call. This email went unanswered On XX/XX/XXXX We received a statement from Mr. Cooper on XX/XX/XXXX saying that we would hear a response back from them by XX/XX/XXXX but still haven't heard back and our loan still hasnt been corrected. I reached out to the tax office to see if they heard anything but Mr. Cooper never answered their emails. 

On XX/XX/XXXX I reached out to the tax office again asking if they ever heard back from Mr. Cooper but they had not. They said they have not heard back but Mr. Cooper had paid the exact amount owed for the taxes on XX/XX/XXXX It is now XXXX and our monthly payment has dropped by {$1000.00} but we are unsure why. Last time our payments dropped, they issued us a check for {$14000.00} and then began overcharging us the following. I am nervous this is going to happen again and would rather them communicate with us and the tax office to bill us correctly.
Consumer complaint received 2023-10-16
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. (NY)

Despite my previous attempts to rectify this matter, it seems that my concerns have not received the attention they deserve. The ongoing presence of this fraudulent account on my credit report is causing significant harm to my financial standing and reputation, and I implore you to take immediate action to address this situation. 
Account Details : XXXX XXXX XXXX This situation not only violates my rights as a consumer but also raises serious questions about the effectiveness of the credit reporting process. 
I understand that credit bureaus have a responsibility to ensure that the information they provide is accurate and up-to-date. The presence of a fraudulent account on my credit report not only damages my financial standing but also erodes my trust in the credit reporting system as a whole.
Consumer complaint received 2024-08-29
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. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (OK)

XXXX of XXXX account was setup through XXXX XXXXTD Bank with autopayment draft. In XX/XX/XXXX either the creditor changed programs or had an internal issue regarding their autopayment software. I was notified that a payment had not been received. I contacted the creditor directly and was told that the error was indeed on their side and that they would remove any and all late fees and assured me no reporting to consumer reporting agencies. Furthermore, at no time was the account ever close to being 30 days late. After rectifying and assuring me that autopayment was correctly set up, the same thing occurred the following month. Once again I contacted the creditor and the process was repeated. Again, at no time was this account past 30 days late. 

Approximately two days ago I checked my credit report and noticed that the creditor had reported ( 30 days + late ) status on my credit report. I have excellent credit and no history of late payments with any creditors. This inaccurate reporting has resulted in two long term creditors revoking my 0 % rate which in term has now cost me damages in the form of increased loan interest. My legal counsel requested this account be disputed with the CRA 's and complaints filed with the XXXX and CFPB as a first step. I have detailed call logs of my interactions with XXXX XXXX XXXX TD Bank, but have been advised to not disclose at this time. If more info is needed, it can be provided.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: A&D Mortgage LLC (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX XXXX XXXX  ) Account number # XXXX, ( XXXX XXXX XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report
Consumer complaint received 2023-10-15
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)

I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my report. 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
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My private information is being reported to and by the 'big 3 ' credit reporting agencies, Transunion XXXX XXXX XXXX and XXXX, without a permissible purpose, without my consent and it infringes on my right to privacy. The specific accounts in question at this moment are the following : ( XXXX XXXX XXXX XXXX / account # XXXX ) & ( XXXX XXXX XXXX XXXX XXXX / account # XXXX ) I was never provided a 'Reasonable Opt-Out ' pursuant to 16 CFR 313.7 ( a ) ( 2 ) ( ii ). As a consumer of a financial institution, I have a right to privacy, and a continuing right to Opt-Out of the sharing, reporting and disclosure of my personal, private information and creditworthiness. I've previously mailed and faxed my own 'Opt-Out ' Notice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also gave notice to XXXX XXXX XXXX XXXX XXXX as well via CFPB complaint numbers XXXX & XXXX, also reference 16 CFR 313.10. Take this complaint as my last exhaustive attempt to resolve this matter non-judicially. These accounts are being furnished and reported without my consent, infringing on my right to privacy, without a permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ), violative of the FCRA, the Privacy Act, my constitutional rights to privacy and it's a defamation of my character, reputation and creditworthiness, as well as inaccurate. YOUR COMPANY HAS BEEN FORMALLY NOTIFIED OF THE ABOVE AND REQUESTED TO REMOVE THE ABOVE DEFAMATORY ACCOUNTS.

Please take note of the following referenced laws your company is responsible for following : 15 USC 1681b 15 USC 6802 15 USC 6805 15 USC 6821 15 USC 6823 15 USC 6827 16 CFR 313.7 16 CFR 313.10
Consumer complaint received 2023-10-15
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. (NV)

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 2023-12-31
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. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me.This has been hurting me as I am in the process of buying a home for my family. please remove the fraudulent account from credit report as soon as possible.
Consumer complaint received 2023-12-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A. (GA)

On XX/XX/2023 I recieved a call from Citi XXXX XXXX regarding a car loan debt ( that's XXXX XXXX XXXX ) and stated that legal action was being filed unless I settled the debt. I spoke with XXXX who went over payment options. Stated that payment had to be made only through money order ( was a red flag now looking in hindsight ) and that if payment was not recieved over night legal action woudd take place.
Consumer complaint received 2023-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (IL)

I am a XXXX XXXX. I have never made even a late payment to my mortgage. Northstar Mortgage d/b/a Mr. Cooper had a some sort of computer attack or breakdown. After the attack they had issues with who paid and who did not pay. I have sent them multiple copies of my bank statements to prove that my payment was submitted as I have submitted for years. They are simply stating that I did not pay.

Northstar Mortgage either lost, stole or used my payment to pay someone else account.

They have sent multiple harassing letters and phone calls.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (FL)

In XXXX XXXX of XXXX I accepted an offer from my Chase Amazon card to pay 0 % interest on balance transfers until XX/XX/XXXX. After this, the company removed my grace period for new charges and began charging me interest from the date of purchase even if I pay the balance in full every month.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (NJ)

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts that you reported that are accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with in regards to the following accounts and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 

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  As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. 

FYI, I DO NOT want a generalizedresponse stating what you typically do in an investigation. 

Thanks!
Consumer complaint received 2023-12-31
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. (CA)

In XX/XX/XXXX I was notified my info was breached in the XXXX XXXX BREACH and I promptly filed an FTC AFFIDAVIT and reached out to the credit bureaus.

In accordance with the Fair Credit Reporting Act. The List of accounts below and credit bureaus has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

XXXX XXXX {$10000.00} at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The above accounts were deleted from the XXXX and XXXX but TRANSUNION has continually violated my rights still not having my correct info and has refused to help.

The reporting must be accurate and verifiable. TRansunion has blatantly and illegally have been committing fraud against me by stating they have verified and everything is accurate.

Why do my report still show accounts and addresses not mine even after there is proof your company has mislead me. I am also unable to acquire any free credit reports because TRANSUNION and XXXX systems is always down. 

I want those accounts removed and my correct info be on my report. 

Delete this address. This is a office building but.yet you have it as my previous address.I have never lived there. 

XXXX XXXX XXXX XXXX, ND XXXX My correct info. 

XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have attached a copy of my credit report to show your blatant viloations of my consumer rights reporting accounts not mine, addresses, and improper reporting of the accounts.. 

I want the accounts deleted and correct info be on my report. 
or I will be forced to take legal actions for the headache and frustrations, along with monetary loss I have endured for over a year!