davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CFPB No : XXXX I received two ( 2 ) cash credits of {$250.00} each to my Capital One credit card. One credit was credited to my Capital One credit card between XXXX XXXX and XXXX XXXX. The {$250.00} was a cash refund due me from the move on XXXX XXXX, 2017. The second credit of {$250.00} was credited to my Capital One credit card on XXXX XXXX, 2017 from XXXX XXXX XXXX ; a refund of my deposit. The cash credits were refunds of money I had paid to businesses and was refunded to me. Capital One gave both cash refunds to XXXX XXXX XXXX XXXX XXXX. From XXXX XXXX to the present XXXX XXXX XXXX XXXX XXXX have not provided proof that I owe them any money. Two bogus charges of {$250.00} were charged to my Capital One card by XXXX XXXX XXXX XXXX XXXXXXXX. Capital One had no right to give my cash money to XXXX XXXX XXXX XXXX XXXX with all charges from XXXXXXXX XXXX XXXX XXXX XXXX  in dispute. I demanded proof that I owed the two {$250.00} charges to XXXX XXXX XXXX XXXX XXXX. Capital One told me they were INTEREST on the {$400.00} charge in dispute. That calculates to 650 % interest or {$3000.00} a year. At no time has XXXX XXXX XXXX XXXX XXXX provided any reason to charge my credit card for {$250.00} twice other than to have Capital One give them my cash refunds.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

For the past two months I have been late paying my credit card bill because when I try to make the payment I can not access them on line I have tried in three different computers and networks and the site times out. When you call them they make you pay a fee to pay your bill. It 's getting out of hand because this causes me a hardships with penalties and late fees. I have paperless billing now so I have no idea what is going on with my account. My credit is at risk, they need to have the site fixed and stop denying that it 's the user. There are people on the internet that is having the same issues. ppl I do n't know. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (GA)

They refuse to put my debt in dispute. Second they keep sending me bills I owe it. I have never ever received any correspondence from them at all except pay the bill. They refused to give me the information at. firs of their client. They keep lying to me like they are the hospital or medical center. I asked if they are a collection agency they will play games and say they are. They refuse to correspondence with a attorney and lied to her saying that they are the medical company. I will file suit this week
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/XXXX I was XXXX at XXXX and the suspect took my wallet, watch and cell phone. My wallet contained ID, personal document and credit cards. In the cell phone there were stored all my personal information, SSN, internet banking passwords, copies of the checks and checking and savings account numbers. I immediately informed police regarding this matter and they told me to change the cards and accounts which were affected and inform credit bureaus to place a fraud alert on my credit report. I placed the fraud alert on my credit bureaus and started updating banking information for all affected banks. 
On XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> I visited XXXX BOA branch and asked them to change my checking account number because of the facts mentioned above. The banker suggested me to close the old account and open a new one, as they could not change the old account numbers. I did whatever they instructed to me. I withdrawn all my money from old account and deposited to the new one. The banker was very helpful and persuaded me to reopen my closed business account ( which I closed this year because of changes in their fee policy for business account and saving accounts ) which I agreed to do. They asked me to verify my SSN because of the fraud alert from XXXX and i have shown them my SSN and I passed the verification. On XX/XX/XXXX I received a strange mail that my accounts were closed after ''careful review '' and no reasons were provided. 
I was banking with BOA for XXXX years never had any negative experience and buddies from my part and they closed my account after they instructed me to open a new account instead of changing the old one. I was victim of XXXX XXXX and my valuables and personal information were stolen. Now I am getting such a support from BOA. Nobody from branch contacted me and informed about decision. They told me to close the old account and open a new one as it was much safer. Bad service zero communication and support. 
I am attaching police report from XXXX XXXX police department to my complain. I am ready to provide any additional document as needed and contact of detective who is investigating this case.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I almost always pay bills when I get them, not when they are due. Flagstar sends the next month mortgage bill after I paid the previous month 's payment so I end up paying months in advance. Over the years, i noticed that being two months in advance becomes only one month in advance, the lost of a month 's payment. When I file a complaint, Flagstar Bank would send a payment record full of error charges and refunds so I could not determine the failure to credit one of my payments. I do not have insurance or escrow with my loan, I only make {$880.00} monthly payments, nothing else. However, the payment history from Flagstar would be filled with false insurance charges, escrow deductions, principle payments and refund, and so forth making the payment records unreadable. If honest, Flagstar should have my payment history with only the payments I made ( all were on time ). 
Being cheated many times of my monthly payments, I started to get better records and copies of my payments. Attached are four documents. The first is a bill from Flagstar dated created on XX/XX/XXXX ( top right of page 1 ). Note that the total amount paid for that year was {$7900.00}. It a bill for a payment due XX/XX/XXXX which I made XX/XX/XXXX to keep from getting too far in advance. Page 2 is a copy of my XX/XX/XXXX payment check # XXXX for the monthly amount of {$880.00}. Page 3 is a copy of my bank statement showing that Flagstar cashed my XX/XX/XXXX payment check on XX/XX/XXXX. 
Yesterday I received in the mail from Flagstar another XX/XX/XXXXXXXX bill created date of XX/XX/XXXX for XXXX ( 2 months plus late charge ). On that statement was the same total payments of the year of {$7900.00}. Flagstar had received my XX/XX/XXXX payment on XX/XX/XXXX and had not credited to my loan. This has been done several times over the years but I did not have the copies of my payments to prove it. 
Please have Flagstar credit my last payment and give a full accounting of my loan history with only my loan payments, without all the errors they made on fake insurance, escrow and other items that did not relate to my loan. I kept all my payment check statements so if I know on what dates they cheated me ( just like their current attempt ). I could also prove their criminal actions.
Consumer complaint received 2017-03-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California (CA)

Sending me bills for an unverified debt. I sent a letter by certified mail in XXXX of 2016 request validation of debt, a breakdown of amount owed, and proof of my signature from the provider giving consent to release my medical records. 

The only thing I received in return was the amount that 's owed and where to send the money to. The debt was never verified per my request.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Subject : Urgent Request to Review and Correct Reporting under FCRA Section 623, Truth in Lending Act, and IRS 1099-C Guidelines Dear XXXX XXXX XXXX I am writing to urgently request that you review the reporting of my account with account numberXXXX  in accordance with the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( TILA ), and IRS regulations regarding the cancellation of debt. 

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction may have further implications for both tax reporting and compliance. According to IRS Publication 1099-C , creditors are required to file Form 1099-C with the IRS when they cancel a debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This may include a charge-off on their financial records. 

If you have reported this account as a charge-off or have ceased collection efforts, you may be required to issue a Form 1099-C to both the IRS and myself, indicating that the debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : 1. Review, verify and delete the current reporting status of this account on my credit report.

2. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines.

3. Issue Form 1099-C if applicable, or correct any inaccurate information reported to credit bureaus.

4. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy.

Please respond within 10 days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (OH)

On XX/XX/XXXX I faxed a cease and desist letter to the receivable management @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against the receivable management. I requested that ability recovery services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from the receivable management and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
Consumer complaint received 2017-10-24
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. (OK)

On XX/XX/XXXX I applied for a loan to refinance my home. Upon completing the application I received a copy of my credit reports and on two of the three reports it said there were accounts that are seriously delinquent. They do not say what account could be delinquent but there should be none, I also use XXXX XXXX since it shows what accounts affect my score and it also shows none as delinquent.
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: I.C. System, Inc. (TX)

I disputed this collection account with all three credit bureaus multiple times the latest date being XX/X/2017. I have a collection account for the amount of {$180.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas Finance Code which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.  Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas Attorney General Consumer Complaint Division as well and I request the immediate removal of this trade line from all three credit bureaus as you and the original creditor have violated the aforementioned laws. 
This debt has been removed and reinserted multiple times on my reports. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) This complaint is a notice and an attempt for you to correct your records and delete this account from my reports on all major credit bureaus.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (CA)

Account Name : XXXX Account Number : XXXX This account is reporting inaccurately and with each bureau. If this account is verified as accurate with each bureau why is each bureau reporting different information? Two are showing this has a charge off and being purchased by another lender while one is reporting as open with a payment balance and past due amount. All are reporting different dates of last payment, different dates of last activity, and different account statuses. I demand the method of validation which was never sent too me in the first dispute.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (CA)

I am a human trafficking survivor/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-24
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. (NM)

An account showed up on my Transunion credit report that I have no knowledge of. They show I opened an account with XXXX XXXX XXXX XXXX , XXXX , OH XXXX, on XXXX XXXX, 2017 for {$3000.00}. I disputed the account with Transunion and they told me it was my account. I contacted XXXX XXXX and their fraud people said they would email a fraud packet to me but they would n't give me any information about the account that is supposedly mine. I have no idea where it was even opened. I have not received anything from XXXX XXXX and have reported the fraud to my local police dept. I suspect XXXX XXXX knows this is n't my account and they could have easily prevented this just by pulling my credit report. I have reported the fraud to the XXXX, NM police dept case # XXXX
Consumer complaint received 2017-10-24
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. (OH)

Under the new law effective XXXX XXXX, 2017 credit report agencies reporting any public records must contain name, address, SSN or DOB in order to appear on credit file. All 3 credit bureaus have failed to update information per new  law. Bankruptcy on file does not meet law requirements and needs to be removed from consumers credit file.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I received a letter from XXXX XXXX, ( Furnisher ), stating that they do not service an account that is listed as a trade line on my consumer report. I have submitted a dispute with Equifax and they refuse to delete. According the FCRA, ( FCRA 623 ( b ) ( 1 ), this item must be deleted from my file.
Consumer complaint received 2024-11-12
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. (VA)

Here 's an updated version of the letter incorporating recent case law references to strengthen your request for deletion and expressing your intent to pursue legal action if the matter is not resolved satisfactorily : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Request for Deletion of Unauthorized Hard Inquiries and Notice of Intent to Litigate To Whom It May Concern : I am writing to formally request the immediate removal of unauthorized hard inquiries from my TransUnion credit report. The following inquiries appear on my report without my authorization : XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX  XXXX - Inquiry Date : XX/XX/XXXX XXXX  XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies are only permitted to include inquiries authorized by the consumer. I did not authorize these inquiries, and they do not meet the permissible purpose requirements outlined under the FCRA.

Case Law Precedent Recent case law underscores that consumer reporting agencies are liable for failing to ensure the accuracy and legitimacy of information, including unauthorized inquiries, on consumer reports. In XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the U.S. Supreme Court held that inaccuracies in credit reporting that result in harm are grounds for redress under the FCRA. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) confirmed the duty of credit reporting agencies to ensure data accuracy, holding that they may be liable for negligent or willful noncompliance with FCRA standards. These cases provide clear support that I am within my rights to demand the immediate removal of any unauthorized or incorrect information on my report. 

Notice of Intent to Sue In light of these precedents, I request that TransUnion promptly delete the above-listed inquiries from my report. I further demand that you provide written confirmation of the removal within 15 days of receipt of this letter. If the inquiries are not removed, or if I do not receive a satisfactory response, I intend to pursue legal action to enforce my rights under the FCRA, including claims for any resulting damages. In such an action, I will seek recovery of legal fees, statutory damages, and any applicable punitive damages for willful noncompliance, as outlined in 15 U.S.C. 1681n and 1681o.