davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (GA)

COMPLAINT XXXX Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. ID : Current Name YOUR NAME IS CURRENTLY REPORTING CORRECTLY ON YOUR EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

SEE ATTATCHEMENT
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

*XX/XX/XXXX, I went to use my Capital One credit card and was declined. Since I make regular payments and was well below my credit limit, I checked my Capital One credit card XXXX app. The app states my account has been " restricted ''. I called Capital One and was told the card may have been closed XX/XX/XXXX via automation. They ( " back office '' ) would research this and get back to me in 7-10 business days. No assurances that the account would be " un-restricted ''. Capitol One ( spoke to XXXX, XXXX, & XXXX ) said perhaps I would receive a call to un-restrict my account on Thursday XX/XX/XXXX. 

<br>*XX/XX/XXXX, A Monday, a business day, I called Capitol One ( spoke to XXXX, XXXX ) and was told maybe Thursday ( XX/XX/XXXX ) it will be re-activated by the " back office, '' but it usually takes 7-10 business days. 

<br>*XX/XX/XXXX, I called Capital One ( spoke to XXXX, XXXX ) was told that the customer service people that I spoke to on XX/XX/XXXX & XX/XX/XXXX were wrong, the complaint was sent to the " back office '' and that I needed to wait the full 7-10 business days. 

<br>*XX/XX/XXXX, I called ( spoke to XXXX ) because it has been 10 business days, I was told that all the other customer service people were wrong, she submitted a new form to the " back office '', and that I had to wait an additional 7-10 days because the other customer service people did not submit my form correctly. Then, XXXX said I may have to wait another 7-10 days for a new card. 

<br>This is not fair, I did not authorize the card ( or account ) to be closed, my bill is up-to-date, I do not wish to wait another 7-10 days for the back office to research why the card got automatically shut off, then wait another 7-10 days for a new card. I had a Capitol One GM Card account for years and want to continue my GM rewards points.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

My name is XXXX XXXX. I am the son of XXXX XXXX who was the owner of a property located at XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX. My mother passed away in XXXX of XXXX and left her estate in a living trust. She executed a Beneficiary Deed to transfer the subject property in to her trust upon her death. I am the Successor Trustee of her Living Trust. I had her power of attorney when she was living, but upon her death, the POA was void and I am no longer considered an authorized third party on her mortgage loan with Select Portfolio Servicing. ( Loan # XXXX ). 
The company is speaking with me about the property, but since XXXX of this year, they have not accepted the Living Trust and Transfer deed documentation that should allow me as the Successor Trustee, to become the authorized party ( Successor-in-Interest ) of my mother 's home. 
I suffered an injury and was off work for almost two years. I was able to keep up with my mother 's house payment until XXXX of this year when I fell behind. I went to the state of Missouri Homeowner Assistance Fund to request assistance since my mother 's passing was XXXX related. They have told me they will assist me to reinstate the loan but the mortgage statement must be in my name. The lender keeps asking me for trust documents that do not exist. My mother 's estate attorney set up her trust in order to avoid a probate. I have consulted with three other attorneys, all of whom have assured me that the documents we have provided the lender are in order. They do not understand why the lender will not accept the documents. 
In the meantime. the lender has filed a Notice of Default to foreclose on the home and as time goes on without any contact or assistance from SPS, my family home is now in grave jeopardy of being foreclosed upon.
Consumer complaint received 2019-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (LA)

Sent money via XXXX to XXXX to someone that I have sent to numerous times before. When the receiver went to the store, she was told that the money could not be received. As this has happened in the past when sending money to another individual, why is this bogus company allowing money to go through when thep receiver gets to the store, the money can not be received. When the sender those not have the receipt, they retain the fee that was paid for sending. Horrible customer service from their compliance department was well.
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I've contacted XXXX XXXX numerous times before they sold this account to portfolio recovery. I also disputed through portfolio recovery and they broke fair Debt collections act by not getting me the correct information in a timely manner. The last time I disputed was XX/XX/13 ... I just received statements on XX/XX/XXXX. They said my dispute is not valid because I didn't send them the correct information. I don't have to send them information because they're the ones that are supposed to verify the debt. I've enclosed copies of letters and stuff that show that they did not comply to the fair debt collection practices.
Consumer complaint received 2019-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (MI)

I received a letter in the mail on XX/XX/2019 from " Synchrony '', XXXX XXXX XXXX  XXXX, XXXX, FL XXXX, dated XX/XX/2019 stating I had an " Account ending in : XXXX, and the reminder that <I> have a PayPal Credit account. The letter goes on to state how PayPal credit works, special financing basics, and how to contact PayPal or call Synchrony with questions. 

1. I, literally, have never heard of " Synchrony '' before this letter. 
2. I have never opened a PayPal account. 

This is a literal, physical, phishing attempt to glean private information -- fraud. 

I called Synchrony and spoke to their " Fraud '' department, who asked for the same information as Synchony 's automated voice system ; phone number then social security number. 

I verified my credit report does not show Sychrony or PayPal entries. 

Until an examples are made, there will be no depth 's that bad actors won't go.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (MO)

NATIONAL CREDIT ADJUSTERS can bring this issue to a close with one simple document! I need a document that contains three aspects : 1. Has the correct account number XXXX, originally through RISE. 
2. Indicates that the account is both closed and paid in full.

3. Has the date that the account was closed. 
If National Credit Adjusters would provide such a document to myself and report this account as such to the bureaus, this issue can then be considered resolved between myself and them.
Consumer complaint received 2023-01-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

the company XXXX tried to collect a debt without my permission and reported on my credit report on transunion without any written document sent it to me before their actions. 

the day the account was opened was XX/XX/2022. 

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2019-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (WI)

XXXX  XXXX XXXX XXXX {$780.00} XX/XX/XXXX NCB MANAGEMENT SERVICES , INC. {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX Hi Sir/Ma, One day I checked my credit report just to see what was on my credit file, unfortunately I found these three accounts that I am not aware of, I tried to dispute it, and request for debt validation to proof. Examples, Valid copies of the debt agreement stating the amount of the debt and interest charges, Agreement with the creditor that authorizes you to collect on this alleged debt, and Complete payment history on this account along with an accounting of all additional charges being assessed, to my surprise they did not respond to all my mails. 
Thank you. 
XX/XX/XXXX.
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 2023-01-14
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$50.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX IL XXXX XXXX XXXX ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM A VICTIM OF IDENTITY THEFT!!! 

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. 

XXXX XXXX XXXX {$0.00} - XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXX XXXX XXXXXXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-14
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2024-10-31
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. (MO)

I see that TransUnion has removed some XXXX XXXX accounts off my consumer report, and it is proof of my claim but has not yet compensated me for the damages caused and also the violations. If this issue can't be resolved, I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP. (TX)

Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2019-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (PA)

On XX/XX/XXXX, I sent {$2500.00} from my Navy Federal checking account to another Navy Federal checking account for services that were never received. I filed a police report for fraud with my local district, opened an investigation with the FBI to which multiple cases have been opened against this individual before and filed a complaint with the FTC. All parties notified me that my bank would be able to simply freeze the account because they were both Navy Federal and investigate it further. I called my local branch in XXXX XXXX, NJ and they told me there was nothing they could do and that I should notify the FTC, who initially told me to contact them.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My name is XXXX XXXX XXXX. I have a Neiman Marcus Store Credit Card. On XX/XX/XXXX I tried to make a online purchase and the purchase was declined, I knew that I had money available on this card. I called customer care and was told that there was a block on the card from XX/XX/XXXX because of fraudulent activity on the card. I knew this was not true because used the cared in XX/XX/XXXX to make a purchase at the Neiman Marcus store in Washington DC. This is the second time this has happened to me, the bill has been payed on time every month never been late ever since the card account was opened. Back in XX/XX/XXXX they sent me a gift card for {$50.00} for opening the account. I used the gift card and then charged my Neiman Marcus Card. I called the customer service number on the back of the card and the agent was very nasty and placed a fraudulent activity of my credit card, and this keep reoccurring. For Nieman Marcus to be a High End store there customer service is horrible, and this account doesn't fit the criteria for fraudulent because nothing fraudulent has ever occurred on this account. I am XXXX years old and this has been my worst credit card experience. Khols treats there customers better than this.
Consumer complaint received 2019-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

Chase continues to give untruthful information regarding their closing of my account and continued contyact with me. After chase closed my acct for me being XXXX they continued to remind me of the discrimination by sending me unwanted emails that I can not unsubscribe to. Chase refuses to unsubscribe me and refuses to allow me to unsubsribe from their unwanted emails that again remind me of their discrimination. Chase lied in my last complaint saying ; " We previously responded to your concerns about the closure of your account in the enclosed letter dated XX/XX/2018. When your checking account was closed, your online profile remained active, which allowed for emails to be sent. Were sorry for any inconvenience this has caused. We have closed and deleted your online profile which will prevent emails to be sent out in the future. We have also taken steps to stop any marketing offers, including Our Neighbor marketing materials, to be sent to you. Please allow 90 days for mail, 30 days for phone, and 10 days for email marketing to cease due to campaigns already in progress. '' Now over 2 months later they continue to harass me with these emails. Today Chase sent yet another email and continues to deny me an accommodation under the XXXX. 
Chase refuses to delete my account info and continues to maintain it in their system causing these abusive emails and putting my personal info at risk. Since Chase can not control the emails how can they control unauthorized access to my personal info. 
I spoke with XXXX at Chase today who indicated Chase would keep my info. XXXX also said Chase did not do anything to stop the emails nor will they do anything to stop the emails. I was also told that Chase was now saving a voice file of my voice to help identify me. XXXX then hung up on me.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (FL)

XX/XX/2019 Sequium added {$520.00} to my credit report as collections. I did not pay and cancelled service because the service was horrible. Not what was promised at all. This is XXXX XXXX. The service was constantly going out and getting it repaired was awful. I had no TV much more than I had the service. I was on the phone with them all the time and it was not right from the beginning. I was mailed the wrong parts from the company to install and this just went on and on. It got to the point that I had to get XXXX to watch TV and I was still paying for XXXX XXXX! I called XXXX XXXX to cancel and I mailed them back all their parts. After that, they still wanted to charge me.