davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX. 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Consumer complaint received 2016-01-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

In XXXX of XXXX my son found a house he wanted to purchase so we began the process of getting qualified since I was to be a co-signer I also had to qualify..the process took until XXXX of XXXX and we closed the loan on the XXXX of XXXX at the title company where we gave the money down and signed docs..On the XXXX of XXXX Nations Direct Mortgage came back and said oh the pest control report which included a schedule XXXX needed to be fixed prior to loan being funded..Why after they had the pest control report in their possession for 2 months did they come back 9 days after loan close to state this needed to be done..in addition they informed XXXX XXXX mortgage that if the pest control company could take the schedule XXXX off the report or change it to a XXXX then they could fund the loan..I have this email..The items that needed to be completed would cost the seller XXXX dollars plus which she of course refused to pay and she also had signed docs. So our money sits at the title company and we have to go through the process again which affects our credit since our credit will have to be checked again by a new lender plus the time and trouble we will have to go through getting the required information that a new lender might want. In addition we were never notified by the lender Nations Direct and or XXXX XXXX mortgage that we would be responsible for paying rate lock fees but we were indeed billed for approximately XXXX locks which amounted to over XXXX dollars..this is ridiculous..another issue was that XXXX mortgage shared income tax information with XXXX real estate agents of which I have the emails. I have already made this complaint to FHA and I was directed here..This was a horrible expierence for both my son and myself but especially for him as he is 1st time home owner..I hope the preverbial buck stops here..and that something can be done about this travesty
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally request the removal of the following fraudulent account and inquiry from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report. 
Fraudulent Account XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$30000.00} XXXX XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MA)

When I went to check my credit report on XXXX during the month of XXXX I found that they had a delinquent account on my Macy 's credit card that I was 90 days late on a {$980.00} charges. I two years ago bought a mattress from Macy 's but paid for it in installment plans. When I called their Customer Service they said that a series of purchased were made online with their Company. I have never made an online or in store purchase in two year.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (OK)

I have a checking and a high yield savings ( HYS ) account with credit karma ( operated through XXXX XXXX ). They notified me my password changed on XX/XX/year>. I told them that it wasn't me. On XX/XX/year> I was notified my phone number changed. I told them that it wasnt me. I changed the information back to mine while I called Credit Karma. I was on the phone with them for 1 hour and 41 minutes ( mostly on hold ). I told credit karma while I was on the phone that I need to lock the account ( prior to any fraudulent charges ). They said they were unable to do so and kept transferring me to another special team. During that time, money was being transferred from my HYS account to my checking account and withdrawn via a virtual debit card that the thief had somehow created ( I have never requested a virtual debit card ). At the initial notification of money being transferred between my accounts, I re-transferred it back to my HYS account. The thief continued to transfer the money from HYS to Spend and I from Spend to HYS until he/she beat me to it because I was busy getting authenticated with customer service. I lost {$12000.00} while on the phone trying to lock the account. The thief pulled the {$12000.00} out of my account in six separate transactions ( {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX, {$2800.00} XXXX, {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX, {$500.00} ATM withdrawal, {$2900.00} XXXX, {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX ). It took approximately 1 hour and 11 minutes for them to finally lock the accounts. After which, I was transferred to the dispute department and they filed the six transactions as disputes. I then asked to move my money to a safer bank account and they said they were unable to do so. They said I will have to wait 90 days and to be watching out for an email.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2016-01-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One was paid in a refinance of home in XXXX through debt collectors XXXX, XXXX, XXXX XXXX XXXX XXXX. However now my mother is trying to sell the house and 10 years later Capital One is indicating a lien on the house from a debt that was paid in full, listed in Assets & Liabilities, listed on the HUD-1 settlement statement and XXXX, XXXX was paid multiple times ( see all attached documents ). On XXXX XXXX XXXX of Law Office XXXX XXXX XXXX claims there is an open lien on me XXXX XXXX from XXXX although no confirmation. No one can provide a SSN, DOB or a signature indicating this is mine.I was sent a copy of judgment which was clearly a cut n paste of a XXXX MI and yet they claim it was mailed XXXX from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX admit no payoff ltrs were mailed to XXXX XXXX XXXX and they had no records of anything pertaining to Capital One but yet it remains on me personally and the credit bureaus have allowed this which violates the FCRA and FDCPA. The type set that was sent of judgment does not match from the name to the rest of the alledged judgment. XXXX, XXXX refererenced XXXX but doc # XXXX from an alledge judgment entered XXXX # XXXX XXXX XXXX ( which was paid ). At that time they were paid in full accordingly of XXXX. Same account raised to! XXXX and now over 10 years later they are asking for {$2500.00} on closing documents in which my mother was trying to sell her house under a Short Sale. XXXX XXXX XXXX indicated there were no liens on the house in a previous letter. XXXX did an illegal loan modification signed by a Vice President in XXXX with no liens mentioned. XXXX XXXX XXXX ran their own trac search in which no liens were reported however a place called XXXX XXXX XXXX XXXX indicates lien and sub-prime lender. I learned in XXXX that I had became a victim of Identity Theft in which I got a FTC report # XXXX and police report because my social security check was stolen through my bank account. I have had ongoing trouble since then. Capital One is trying to EXTORT money that was already paid over 10 years ago. Now because of Capital One my mother ca n't sell the house and now the house is going to go into foreclosure because of illegal, mismanagement, fraud and deceptive practices of all of the above and yet they are continuously allowed to get away with it! Please help me out here! See all supporting documents! Thank you. It was bad enough my name was added to a mortgage and I was put on a Mortgage Note illegally without a SSN, DOB or any other identifiable information and now Capital One can not produce or their debt collectors a SSN, DOB or any other information and want more illegal money from me of a debt over XXXX years old of {$2500.00}! Pure extortion and for the Credit Bureaus to allow this to remain, I hereby will file complaints against them as well!
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I visited XXXX 's on XXXX/XXXX/2016 to purchase lunch for myself and a coworker. The bill came to {$11.00}, which I paid with my CapitalOne Mastercard. 
I logged into my online account on XXXX/XXXX/2016, and when reviewing and reconciling account activity, I observed a second transaction dated XXXX/XXXX/2016, also from XXXX 's, in the amount of {$17.00}. I double-checked my receipt and then placed a call to CapitalOne customer service to inform of the incorrect billing and to dispute the charge for {$17.00}. The female representative was distracted and repetitive. I clearly explained the nature of the dispute, and informed her that I could provide the receipt showing the correct amount. It took me numerous attempts for her to send me a secure link to upload the receipt. 
Two days later, I received a request to contact CapitalOne. I promptly contacted customer service again, where after another very frustrating conversation with a representative who was again distracted and repetitive, I became irritated. She connected me to a supervisor, who informed me that my previous dispute for an incorrect charge had been opened as a dispute for fraud, and that she must invalidate my card. After clarifying again that the dispute was due to an incorrect billing and not fraud, the supervisor placed me on hold for about 5-8 minutes. She then agreed to correct the previous dispute, but refused to acknowledge the previous rep 's incorrect actions, or take ownership of the clear need for training. 

This company needs to provide adequate training to representatives, and when an employee error is identified, to take ownership of how such an error impacts customers.
Consumer complaint received 2024-11-23
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. (FL)

I received my credit report on DATE and noticed that there were hard inquiries that didn't have a permissible purpose to be on there. These hard inquiries are keeping me from getting approved. I have already reached out to the credit bureaus about this multiple times, and they keep violating my rights under 15 USC 1681b. I have also attached the hard inquiries that DO NOT have a purpose to be on my report. 

( XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XXXX  # XXXX XXXX, XXXX  XXXX ( XXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2015-09-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Servicing Corporation (IL)

Blackwell Recovery contacted me to obtain access to my parents, with whom I have not lived with for 10 years. I am not personally tied to this debt. When asking about said business with my parents, the representative would not provide any information. I find it disturbing this company would contact me on my cell when I am not tied to the debt, have an unlisted number, and have registered said number on the National Do Not Call Registry ( registered in 2005 ).
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX hard inquires still on my credit reports all from XXXX, XXXX/XXXX/XXXX. These are almost 2 years old. Also from same company on XXXX/XXXX/XXXX, and again on XX/XX/XXXX.Reports to all XXXX credit bureaus
Consumer complaint received 2016-03-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Identity Fraud committed against me. Someone used my personal information to open up bank account with Capital One 360 online. Credit monitoring service alerted me to this and I called Capital One to inform them of the fraud. They closed the account, but refused to send me letter stating that the account was not mine, that it was opened fraudulently and that I am not responsible/liable. They refused to send me anything and refused to engage with me on this. FTC guidelines say they are supposed to close the loop and assist the consumer.
Consumer complaint received 2015-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (CA)

Diversified Consultant continues to try to collect a fraudulent debt that is n't mine and is a result from identity theft. They have not sent me any documents as requested as directed from the Federal Trade Commissions ID Theft. I have sent to them Certified Mail and they received it, a copy of my Identity Theft police report, letter, FTC Identity theft affidavit and explained to them how I learned I am a victim of identity theft. They are maliciously still attempting to collect and giving me great grief to myself and family. This debt is not mine. I did not receive any goods or services and Diversified Consultant is not acknowledging that I am a victim of identity theft and the debt is not mine. They are also reporting this fraudulent debt to the credit bureaus and when I dispute it they continue to verify it. If they would have researched, they would have found the debt is from identity theft. They are violating my FDCPA and FCRA rights.
Consumer complaint received 2024-11-23
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2015-07-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have XXXX Credit card accounts with Capital One. I sent a check for {$25000.00} to pay off one card completely and with written instructions to pay down the balance of the XXXX card with the remaining money. I was able to track when they received the check XXXX XXXX XXXX ) put it was n't posted until XXXX XXXX. Much to my dismay ( and inspite of written instructions asking to be notified when posted XXXX the one credit card was paid off completely but then the remainder {$14000.00} was simply posted as a credit to the card I paid off. My first phone call said they could not transfer the money to the second account ( also a Capital One account ) but they would refund me in a check ; however that may take up to XXXX weeks or longer as it had to remain in that system for XXXX days for being processed, then after processing, I would need to add another XXXX days before I received payment. I needed that money posted to other account ... or available for me to use. I called back, with same resposnse. I called back then went to chat ( XXXX time ) now with hold times I have more than XXXX hours invested in trying to get this straightened out. Meanwhile I had to make another payment on the account that I was trying to get the money transferred to plus it I am still being charged interest for the higher amount. Monday XXXX XXXX I called and went up the chain of command to a supervisor who assured me that they would release the money and transfer to my account in XXXX business days. Close to the end of the business day yesterday XXXX XXXX day ) I called to see why it had not been transferred. They said there was a problem with my bank information. I know they had the correct information. The problem now is that they would have to issue a paper check with all the delays. I asked for a superviosor, and XXXX supervisors up the chain. I was told that it would be another two days. I asked if I could have an email confirmation of that. I was told " NO '' they were not allowed to confirm that information. I asked to speak to this man 's supervisor and he told me he was the top man and there was no one else I could talk to ... nor would he give me any information about how to contact him directly. If I wanted to check, I would once again start with the generic number for information. I have now spent over XXXX hours trying to get my money back. As of noon today, my money is still sitting in an account that is paid in full and I have no access to my own money.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is reporting that my credit account with them is still open. The XXXX XXXX Account was discharged on XXXX XXXX, 2015, and closed. They continue to report incorrectly that the account is open. The account has been discharged, closed and balance zero.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was looking at my Transunion credit report and notice there were some things that was not correct. I tried to dispute items on my credit report on XXXX, XXXX, XXXX and nothing has changed. 

In accordance with the fair credit act. The infomation has violated my federally protected consumer rights to privacy and confidentiality under 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 instruction.

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 incorrect.
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SQUARETWO FINANCIAL CORPORATION (WA)

Cache, LLC filed a garnishment against me on behalf of XXXX XXXX XXXX XXXX. I do not even know who they are. They failed to send me any information regarding this supposedly {$50000.00} loan. They have garnished my personal account and I have no idea who they are. According to the Dept of Licensing, a current investigation is underway to determine and pinpoint their illegal practices.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I wish to make a formal complaint about entry errors on my Credit Report. I wish the following entries investigation as I believe they occurred before my Bankruptcy filed XXXX XXXX XXXX and discharged XXXX XXXX XXXX. 
Collections : XXXX for {$290.00} XXXX XXXX XXXX XXXX XXXX AZ XXXX for {$290.00} XXXX XXXX XXXX for {$250.00} XXXX for {$210.00} Public Record : XXXX / Recorder Reference # XXXX Filed : XXXX XXXX XXXX Amount : {$12000.00} I wished these entries investigated and removed from all XXXX credit bureaus. 
I have a perfect payment record since my bankruptcy and I feel this is unfair to my credit standing, and these negative remarks of my credit reports does not truly reflect my credit worthiness to date. 
In light of this information, I feel all XXXX credit bureaus should delete these potentially negative records to avoid further confusion to potential creditors in the future. 

Sincerely, XXXX XXXX XXXX