davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had an issue with the Capital One Credit Card website and a payment did not go through for XX/XX/2019. I was told on a recorded call that I was ok and that it would not go on my credit report. I was in effect lied to because on other calls I was told it would but then I was told it would be taken off if I filed a formal dispute, which I've done. But my credit report still shows a missing payment for XXXX of 2019. I need it corrected immediately so I can get a new car. 

The company has both lied and misrepresented their own records. This is a huge injustice and I plan on taking it up with the XXXX XXXX XXXX and Attorney General. Very disappointing work here. 

Recorded calls that were previously acknowledged and discussed with managers at Capital One have somehow been expunged or deleted from their records. This is a clear and brazen cover-up and needs to be escalated to the executive level immediately.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX at the XXXX Peoples United Bank branch I fully paid off a HE Loan balance by writing a check for over XXXX dollars I have a receipt to prove its paid in full. 
XXXX minutes later I got a call from there Collections department in Vermont. Odd because there is nothing to collect its paid in full. One day later I get an Auto Generated mortgage assistance letter which is odd again The loan is PAID IN FULL. XXXX branch on XXXX XXXX generated the mail. I called customer service and the bank president and no one is available. No one at consumers loans is available. I found the letter offensive and wrong I want an apology direct to me and wont stop complaining till I get one.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Dear Bank of America , N.A . and Consumer Financial Protection Bureau : I have exhausted all my remedies in trying to contact this person that I don't know by the name listed in the transaction dated XX/XX/2022 to someone XXXX, XXXX. 

I was told that this person by name such as XXXX XXXX is associated with a XXXX XXXX XXXX. I attempted to set up such a contribution on my cell phone and my phone locked up sending out the payment without my full approval or authorization. 

Now that since such an account such funds are within the Bank of America , N.A . and such attempts were requested that Bank of America , N.A . return such funds before having to contact XXXX. 

As of this date, I have notified Bank of America , N.A . to return such funds back to my account. Bank of America , N.A . has failed to honor my request after several attempts to get the transfer reversed so that I can donate such funds to the XXXX organization myself without going through XXXX... 

I would greatly appreciate it if Bank of America will administrate a forced return on such an account and question such a recipient to show proof of why such a person is entitled to these funds. 

I don't participate in XXXX and will greatly appreciate a return back to my account and bringing my account current with a reversal of {$250.00}
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-09-04
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: Convergent Resources, Inc. (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2022-07-02
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. (MA)

This Compliant is to Transunion. 
I've been disputing multiple Fraudulent accounts that Have been reporting to the 3 Bureaus. I started these disputes back in XXXX and have also included a police report explaining how I've been a victim of identity theft. Transunion Fraud Department has placed a security freeze and Fraud alert on my file due to the submission of the police report but continue to inaccurately report these items I've been disputing these Items and going back and forth with Transunion as they keep saying the items are Verified. Now Transunion has changed the status of these accounts as closed, charged off and also are reporting these items as " On Time '' accounts. 

XXXX XXXX XXXX  is reporting as an On Time account, never late / charge off XXXX XXXX is also reporting as an On Time account, never late / Charge off another XXXX XXXX account is reporting that I owe {$7500.00}. It states the account was opened XXXX for {$7800.00}. It states no min monthly payment, {$7500.00} past due and reports No Late Payments. This makes so sense and is totally incorrect How is an account opened in 2019 and states I'm past due {$7500.00} but also states there's no late pay! These accounts are totally inaccurate and do not belong to me These accounts previously were all posting as negative accounts with late payments Now they are reporting as " ON TIME '' accounts with No late payments & charged off or stating I owe past due amount with no late payments. 

This information that's reporting does not match XXXX and XXXX 's reporting info. 

I requested in my disputes that Transunion provide proof bearing my signature that these accounts are owned by me. I have never received any proof from Transunion. 

All they've done since my disputes is send copies of credit report, Claim the accounts were verified. I requested copies bearing my signature and their method of verification. They have failed to do so and they are in violation of the FCRA. 

Transunion has changed the status of the accounts to closed as On Time accounts, No late pays and charged off. These accounts are not mine and I demand these items to be deleted because they have yet to prove these accounts belong to me nor have they prove that I owe the balances reported I have submitted all copies of my disputes that were sent regarding these accounts
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

This is an addendum to CFPB Complaint # XXXX. The Complainant received the attached email on XX/XX/2022 from a resolution specialist at Bank of America 's Regulatory Complaints, asking to confirm I am the party who filed the CFPB complaint. The Complainant has attempted several times to unsuccessfully contact the resolution specialist via email reply, telephone calls, and left voice mail messages, and Complainant has not received any response. The Complainant is going on record that the disputed amount will not be paid. The Complainant 's due process rights have been violated and intends to bring legal action against Bank of America to resolve the dispute.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (FL)

PENFED CREDIT UNION POSTED AN OPEN LINE OF CREDIT ON MY CREDIT REPORT XXXX XXXX AND NEGLECTED TO SEND ANY INFORMATION TO ME ON CREDIT APPROVAL AND I HAVE NOT BEEN ISSUED A CREDIT CARD SINCE I DISCOVERED THIS ACCOUNT ON XXXX XXXX WHILE REVIEWING MY BANK STATMENT ONLINE.
Consumer complaint received 2020-09-04
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: Adler Wallach & Associates, Inc. (CA)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2022-12-14
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. (NV)

XX/XX/2022 - XXXX XXXX ( closed accounts ) account was paid in full. I've disputed this sevral times. 

XXXX XXXX XXXX {$260.00} Not my account, no response from the bank. 

XX/XX/2022 - XXXX  XXXX  {$3400.00} disputed and response was not giving within 30 days. This isn't my account XX/XX/2022 - Us bkpt ct ca XXXX Remove, this isn't accurate. I never filed bankruptcy
Consumer complaint received 2023-01-29
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. (NC)

A new law took effect in XXXX  stating that medical collection accounts under {$500.00} could not be listed on credit reports any longer. I have a medical collection on my Equifax credit report for {$61.00} from a collection agency named : XXXX Collections. As per the new law stated above, I have the right to request this medical collection to be deleted from my Equifax credit report. I have request for this to be done, but Equifax refuses to delete this medical collection. I would like to have the CFPB to force Equifax to delete this medical collection as per the new law. Thank you.
Consumer complaint received 2022-02-23
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. (GA)

In XXXX of 2021 I filed a dispute with TransUnion about the unverified account : XXXX XXXX. Also to note that I am not working with a credit repair company or a third-party company. I am independently doing my dispute and I have asked for verification from the collection agency that I asked for verification from this credit bureau and I have not received anything from either party. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in almost 2 months as of today. Thank you
Consumer complaint received 2021-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I applied for a credit line increase on my Capital One Platinum Credit Card. I received a denial of the credit line increase on XX/XX/XXXX, with a letter stating specifically that I could not receive an increase " because my credit score was too low '' The denial letter was dated for XX/XX/XXXX. The credit report used for credit determination decisioning was dated for XX/XX/XXXX - well before my increase request date. I have never requested a credit line increase, the increase requested on XX/XX/XXXX was my FIRST time ever requesting an increase in the years that I have held this card with Capital One ... so I do not understand why a report from XX/XX/XXXX would have been used ( A report from an entire month PRIOR to my request ) Information from the denial letter shown as below : Your Credit Score 514 - Date : XXXX Source : XXXX Information Services Additionally, I have been harmed by this. Had Capital One pulled an accurate report from the date of my request, my accurate credit score would have been reported. According to their own " Credit Wise '' program, which I am enrolled in, my credit report reflected a Credit Score of 617 as of XX/XX/XXXX ( see attached ) I tried unsuccessfully to dispute this as any reasonable person would, with the management team at Capital One. After talking with several managers about the 102 point discrepancy in the credit reports pulled, the last manager that I spoke with told me that there was nothing that could be done. When I asked to speak with the complaint department, I was rudely advised that " there is none '', and that I would need to wait at least 6 months to a year to try and obtain another credit line increase, despite the fact that my credit was not assessed accurately. I was treated rudely, and without consideration, despite the fact that I have proven that I have a very reasonable concern. I was told that if I had further concerns, to contact the Credit Bureau ... which I did. 

The Credit Bureau Rep ( at the XXXX Bureau contact shown on their denial letter ) advised that not only had Capital One NOT pulled any credit reports dated for XX/XX/XXXX, but that NOTHING had been requested since XXXX either. With the exception of my own soft inquiries, nothing was reflective of a Capital One request ... so WHERE is this scoring information being pulled from, if not from the bureau contact on the letter? And why was I denied based on an obviously aged credit report?
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mid-America Accounts Control Bureau, Inc. (NH)

On XX/XX/XXXX I submitted a dispute for a {XXXX} medical debt through XXXX. The collection agency was mid america accounts control bureau and the original creditor was XXXX XXXX.. the original assignment date was XX/XX/XXXX with original date of last delinquency XX/XX/XXXX. On XX/XX/XXXX the dispute was complete and came back verified as mine and other information added to my report. I got an alert from my credit service that a collection account had been removed from my report and a new one added on XX/XX/XXXX. It is the exact same account with the exception that they changed the assignment date to my dispute date so it shows as a new account on my report. On XX/XX/XXXX I disputed again and the next day I called XXXX and given the original creditor number. I called XXXX and finally confirmed what is one. I did have insurance but for unknown reasons it was not paid. I spoke with XXXX XXXX. And she said if I paid in full it would come off my report. I paid in full immediately and she confirmed mid america would remove off report. I then emailed mid america advising I paid in full and could you please remove account from report. The next day I received response stating she would need receipt of payment, how paid and when paid first. I sent my confirmation number along with receipt. And I also called XXXX again to confirm that they had indeed sent the information to mid america. They confirmed. I immediately emailed mid america of this and they provided my account number and it does indeed show paid in full.. I Emailed the vice president of the situation as it's still on my report with new open date, unpaid. My response from him was please don't use this email!. This should not be on my report. It looks like new collection account and it has ruined my credit report.
Consumer complaint received 2022-12-14
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. (CA)

This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Consumer complaint received 2023-01-29
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. (FL)

XXXX XXXX reported late payments to all 3 credit bureaus ( XXXX, XXXX, and Transunion ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. XXXX reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I attempted to rectify this with XXXX and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute. 

This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive XXXX relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by XXXX during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.
Consumer complaint received 2020-09-04
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: Forest Recovery Services LLC (FL)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 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 install