davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I got a call from Capital One saying there was potential Fraud on my credit card on XXXX XXXX, XX/XX/2015. I immediately called them back the morning of XXXX XXXX, XX/XX/2015, and informed them that I did not make that charge. They said it was a charge at XXXX in XXXX I live in XXXX. It was a credit card I have n't used in around 8 years. They ( They being capital one 's fraud department ) said that I would not be liable for the charge since it was fraud. They asked me if I wanted a new card issued or if I wanted my account closed. I asked that my account be closed. I was transferred to someone else that helped me close my account. Once the account was closed, I again verified that I would not be responsible for the charge to XXXX. She assured me that I would not be and that I would receive something in the mail showing my account was closed. Not only did I not receive something showing my account was closed, but today I received a bill for the charge we specifically discussed on the XXXX. Today is XXXX XXXX, XX/XX/2015. The XXXX fraud team member at Capital One that I spoke to today XXXX XXXX, was by the name of XXXX ( or at least that 's what it sounded like ). She informed me that they have no way of flagging it as fraud until it has posted to the account. Then she informed me that there was a XXXX charge to a restaurant that was already removed from my account. I was insisting that she explain to me how XXXX charge was never mentioned to me and why would they even call me to ask about the fraud if there was nothing they can do about it and were going to send me a bill anyway. She hung up on me. So, I called back and asked to speak to a manager. I was connected with a supervisor named XXXX. He apologized that she hung up on me and proceeded to confirm that the way their process works, they can not remove charges until they post. I am still confused as to why they would call me before it posts or not mention that I need to call back after it posts in order to actually fix anything. The icing on the cake, was when the supervisor XXXX told me he would connect me with someone else to close my account. I thought, WAIT! I already closed my account. Well, it turns out they do n't permanently close it until after there is a zero balance, and I could n't have a zero balance until that fraudulent charge was removed. I am beyond frustrated and upset by a situation where I already felt violated that someone stole my information and attempted to charge things under my name. I just want there to be a clear process so that I do n't have to keep spending time and emotion on fixing a problem that I was told was already fixed.
Consumer complaint received 2024-08-29
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. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2015-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (WA)

I recieved a fake collection letter from Enhanced Recovery Company LLC, asking me to pay an amount I do not owe, for an XXXX XXXX XXXX phone account. I have an active XXXX account and am in excellent financial standing with them. The letter has the following logos on it, clearly pulled from internet image searches ; XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, and XXXX. It appears to be an attempt to gather more private information, such as phone number and banking information so that a person could be harassed by this company until they pay, then have money stolen right out of their own bank accounts. Please do not contact these people or give them any information about yourself.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (CT)

During our vacation in XXXX 2015 my wife and I were involved in XXXX XXXX XXXX XXXX XXXX scam that included opening XXXX RCI Elite World MasterCard. Realizing our mistake, we cancelled the timeshare within the rescission period, contacted XXXX next day to request the payment to XXXX XXXX XXXX XXXX be stopped, and spoke with Barclay Bank to cancel XXXX our cards. A week later, I received a letter confirming the cancellation but with a balance in the amount of down payment.
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: EQUIFAX, INC. (GA)

MY NAME IS XXXX XXXX XXXX AND I AM NOT A 3RD PARTY.I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT ON MY BEHALF. 

Dear Equifax, I am writing to formally dispute several accounts on my credit report due to identity theft. I have thoroughly reviewed my credit report and identified multiple accounts that were fraudulently opened in my name without my knowledge or consent. 
I have attached an FTC identity theft report to substantiate my claim. Additionally, I want to bring to your attention that I have never provided written consent for these accounts to be reported on my credit file, pursuant to 15 U.S.C. 1681b, which requires such consent for the procurement and use of consumer reports. I was never given any option to opt-out for reporting either. 
Furthermore, the fraudulent activities related to these accounts may also constitute violations under 18 U.S.Code 1028A, as my information is being passed without lawful authority which is aggravated identity theft. These transactions/accounts are not relating to any transactions that I, the consumer have made. 
As these accounts were opened and reported without my authorization, I am demanding that they be BLOCK/REMOVED from my credit report immediately. Please consider this letter as my formal request to remove/block these fraudulent accounts and inquiries items within 4 ( four ) days, in compliance with federal law.Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2015-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

Ocwen loan servicing continues to report inaccurate and fraudulent information on my wife and I credit reports with all three credit bureaus. As of XXXX XXXX we agreed to a loan modification, at that time the loan was set to three trial payments, these payments were made on time, which then the loan went into full agreement. Since XXXX XXXX to XXXX XXXX we have made our monthly payments on time yet Ocwen continues to report information of no payments being made to the credit bureaus. Ocwen also has been charging fees sometimes up to XXXX in one day as you can tell from the payment history from Ocwen. Ocwen has not and continues to place our payments into a separate account even when there was a modification present and payments were made on time and Ocwen will still not apply payments the day/month they are received. Attached you will see Ocwens negligence in reporting fraudulently to the credit bureaus and documentation of payment history. As you make notice of Ocwens payment history sheet they are fudging payment dates and dates the payments were applied and the late fees, inspection fees and other non-explained fees are charged fraudulently. We request Ocwen report accurate information on our credit files and credit for all fraudulently charged fee 's. 

We have also disputed this through XXXX from XXXX Resource Center as XXXX is the note holder of this loan. We have been disputing this information for over 6 months through XXXX with no outcome. 

We request Ocwen Loan Servicing & XXXX to immediately stop reporting inaccurate and fraudulent information on our credit bureau and immediately send correct information to the credit bureaus and send a letter to every company that declined to offer credit due to Ocwen Loan Servicing & XXXX inaccurate and fraudulent reporting and fraudulently charged fee 's be credited.
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NY)

I do have a very good credit ( maybe an excellent credit ), but I can not run my credit or get a credit score or a print out because I do not have a Social Security. I apply for my credit cards more than 10 years ago using a ITIN # or Tax Payer ID #, I used to run my credit report or credit score without problem and now I ca n't. I feel discriminated ... DISCRIMINATION it 's a horrible feeling ...
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2015-03-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In the past 7 years I have been submitting the same paperwork in order to get a modification and an assumption. I have been thru XXXX employees and now im in foreclosure, however, I just got a notice that there are documents I need for the assumption,,, But I got served with foreclosure paperwork, I am a veteran and they have ignored my certificate of eligibility to make it a guaranteed va mortgage,, I do n't know what to do, but I plan to protest at their headquarters to get my message across
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
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: EQUIFAX, INC. (TX)

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2024-08-28
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. (GA)

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. 

Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX. XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2015-08-07
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Byrider Franchising, LLC (SD)

auto finance bank is now harassing me that I will go to jail. I got this vehicle XXXX months ago and have had nothing but problems with the vehicle smoking, breaking down, and now they said they will put a new engine in the vehicle, but now they wont and said they will come and get the vehicle, even though my payments are up to date. but ive had numerous harassing calls that are recorded, and texts of name calling and other things
Consumer complaint received 2015-03-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC (VA)

For several months, I have been receiving calls from XXXX at Green Tree ( XXXX ) looking for an " XXXX XXXX. '' I have told him repeatedly that he has the wrong number and to stop calling me yet he continues to call me and question me of whether I know XXXX or not. Once he even left a message saying he needed to confirm the vacancy at XXXX XXXX XXXX. I do n't know XXXX XXXX but it 's concerning that XXXX is quick to give out confidential information like this. Just this month, I 've received calls from XXXX at Green Tree on XXXX, XXXX, XXXX, XXXX on XXXX, XXXX and today. I have saved all voice messages from him this month as I refuse to speak to him any more. Please make this company and gentleman stop calling me. If you are not the correct place to contact, please point me in the right direction.
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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My accounts was never late! I have had exceptional payment history with XX/XX/XXXXand 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX/ XXXX Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. ) XXXX XXXX XXXX Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. ) XXXX XXXX - Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. 


You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
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: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.