davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/23 Put in an application for a Capital One XXXX XXXX card and was given an auto denial based on " Based on your credit report from one or more of the agencies on the back of this letter, credit bureau information is missing or unavailable '' and realized that my XXXX and XXXX credit reports were frozen but the XXXX credit report was not. I was exercising my right granted to consumers under the FCRA, part of the Consumer Credit Protection Act to freeze my credit reports. 

XX/XX/23 Called on the phone to customer service and asked for a manual reconsideration but was told that the application was going to be reprocessed by their system and was given an auto denial yet again. The reason was " Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquiries '' and " Based on your credit report from one or more of the agencies on the back of this letter, time since recent inquiry is too short ''. The system is referencing the previous application that was denied earlier based on my credit being frozen and denying it because the time between the applications are too short. 

XX/XX/23 Called multiple times to customer service and was told they could not manually reconsider my application as they did not have a human underwriting department and would have to be automatically reprocessed yet again most likely resulting in the same outcome and putting yet another hard inquiry ( 2 of them as of now ) for this same application. I did not proceed with the reprocessing. 

The system is denying my the ability to exercise my right as a consumer granted to me by the Consumer Credit Protection Act and is in clear violation of Regulation B ( Equal Credit Opportunity Act ) that prohibits discrimination on any prohibited basis, and 1002.2 ( z ) includes in the definition of prohibited basis the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Bureau.

Capital One 's system is punishing those who freeze their credit reports by auto-denying applications that are reprocessed once the credit freeze is being lifted.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I opened an Alaska XXXX XXXX XXXX XXXX Bank of America ( BoA ). I had the card for several months and made a number of purchases ( over {$3000.00} ) and paid the card in full. In fact, I overpaid the card by {$190.00}. BoA then notified me that there was fraud detected on my account and that I needed to report in person to a BoA lobby with identification to prove I was who I claimed to be. I told them that I would not be going in person since the nearest Bank of America XXXX is XXXX miles from my home. BoA said I had to go in person and I decided to close the BoA account for this horrible customer service. I was prepared to send them any documentation needed to verify my identity, yet, they insist I go in person. 

Now, I called to asked that BoA return my overpayment/credit balance of {$190.00}. They still insist that I need to go in person to prove my identity ( XXXX miles ) before they pay me back my overpayment. I have tried to resolve this and the BoA fraud department is blaming their customer service for the hold on my funds and BoA customer service is blaming the fraud department. I want my overpayment back and I am glad to send proof of my identity and/or get on a video call if they want that. I just want my overpayment back plus reasonable interest for holding my money without cause.
Consumer complaint received 2023-07-05
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)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (AZ)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 PENTAGON FCU Account Number XXXX XXXX Delete From My CREDIT REPORT XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT AZ XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (TX)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.
Consumer complaint received 2017-04-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

Chase Mortgage has reported a late payment on my credit report. To my knowledge, I have not been late in over a year. They are giving me conflicting information, hard to get ahold of the escalation manager on my case and then sent me a letter saying they have been trying to get ahold of me when I have been the one calling them multiple times and leaving messages. I have made my payments using their website. They have transferred my mortgage to XXXX and now I no longer have access to my online account, taking away large pieces of information I need to properly dispute this negative credit reporting in XX/XX/2016. Proof has been submitted and still rejected by them.
Consumer complaint received 2023-07-13
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. (LA)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC (FL)

Thursday XX/XX/2023 phone call received at XXXX. In the phone call, before any confirmation of my identity was given by me, the woman proceeded to give out my social security number. When my husband proceeded to try to explain she had the wrong person and wasn't me, the woman then aggressively kept spouting off federally secured personal identification ( ie., social security number, full name, birth date, home address ) all without confirmation, and to the wrong person who wasn't the person of attempted contact. This is a complete violation of my personal and private identity and could be used for any identity breaches or theft.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have attached more details of my complaint. However, just to clarify, this complaint is about both Transunion and XXXX XXXX XXXX. I am disputing both the account on my report and the bankruptcy statement on my report. However, my main concern for my complaint today, is removing the bankruptcy statement. I have already requested proof of contract bearing my signature from XXXX XXXX three times, and Transunion, I am waiting on a response, from my last letter sent.
Consumer complaint received 2023-07-13
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: Stellantis Financial Services US Corp. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against FIRST INVESTORS SERVICING regarding an auto loan for a XXXX XXXX XXXX that is erroneously being attributed to me. I firmly believe that I am not financially responsible for this loan, as it was explicitly assigned to my ex-wife as part of our divorce settlement. 

To provide some context, my ex-wife and I finalized our divorce on XX/XX/XXXX. During the divorce proceedings, the division of assets and liabilities was meticulously examined and agreed upon. The auto loan in question was explicitly included in the division of liabilities, with my ex-wife assuming full responsibility for its repayment. 

However, despite our divorce decree clearly outlining the allocation of debts, FIRST INVESTORS SERVICING continues to hold me accountable for the auto loan. I have made multiple attempts to resolve this matter directly with FIRST INVESTORS SERVICING, providing them with the necessary documentation and legal evidence to support my claim of non-liability. Regrettably, these efforts have been met with indifference, resulting in continued demands for payment and negative reporting on my credit history. 

I respectfully request that the Consumer Financial Protection Bureau intervene in this matter to rectify the situation and ensure my rights are protected. Specifically, I am seeking the following actions : Removal of negative credit reporting : I request that any negative information associated with this loan be promptly removed from my credit report, as it inaccurately reflects my financial responsibility. 
Cease and desist all collection activities : I insist that FIRST INVESTORS SERVICING immediately cease all collection attempts related to the auto loan in question, as it is not my liability and continues to cause unnecessary distress and inconvenience. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the unjust treatment I have endured. I am confident that with your intervention, this issue can be resolved in a fair and just manner, relieving me of any unwarranted financial obligations and protecting my consumer rights. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my financial integrity. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-19
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Around XXXX of 2022 the company said the payment I made was late but I never paid late. They messed up when trying to charge my account and never updated my new account that I added.
Consumer complaint received 2023-06-26
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I brought the information to Cfpb to complain about Experian on XX/XX/XXXX. It is now XX/XX/XXXX which is way longer than 30 days Experian is in violation of [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (NC)

Commencing on or around XXXX XXXX, 2023, I fell victim to multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R J Baucum Enterprises, Inc. (MD)

A representative from ESA ( XXXX XXXX ) continues to contact me at my home and mobile in regards to a debt that they have failed to verify. They are stating that they will arrest me and take other legal proceedings. I am assuming that they fail to verify this debt because they is no verifiable debt.
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/2022, I received an email from Paypal saying that my account had been limited because they received a restraining order related to my account. They gave me the name of the lawyer who supposedly sent the restraining order. I contacted him, and he said that he had made no request related to me or my account. 

I told Paypal customer service this through their messaging system and by phone call. The people I talked to could not provide me with a copy of the restraining order and said they could not remove the limitation on my account. They told me I would need the lawyer to request the removal of the restraining order ( which the lawyer said he never made in the first place ). 

I have a balance of {$53.00} in my account that I am unable to withdraw or transfer.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (SC)

Pulled personal credit reports due to trying to buy a house or even rent. Found hunter warfield on credit reports for {$5400.00}. Called to get online access to view what the account was for and first was told online wouldnt allow me to see the information about the debt and that only the lady on phone could assist with settlements or information. Then after resetting my intent and needs she gave me the account login and access code. I went online and there was no direct information In regards to the debt just options and o do settlement. Since my kids and myself are homeless I went ahead and look at what settlement offers available just to be able yo show potential lenders or landlords that I was working on it but the settlement offer was not reasonable so I called back. I got the same lady and explained the situation again, told her what I could afford to pay off immediately but she stated that wasnt enough and that the debt was going to court if not paid by XXXX XXXX. 

I then stated I dont even agree with the amount of the debt and she said that she would forward to internal disputes and someone would contact me yo get more info. This was XXXX XXXX. Ive received no letters by mail and no one has contacted by phone. This debt on my reports is causing my family to continue being homeless. I did record every phone call on video to ensure I was able to verify info.
Consumer complaint received 2015-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Worldwide Recovery LLC (CA)

They leave me message 's concerning my primary residence, which is not true, they also state they are suing me, which i have never received anything in the mail. they also left a message stating i cant communicate properly, and if I have attorney have him call because he probably can.
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (AL)

professional bureau of collections of maryland contacted me today about a debt of XXXX owed to XXXX and they are representing them to collect that debt ( XX/XX/XXXX ). I said that the check is the result of my lost checkbook last year ( which I already filed three complain with CFPB ). I said I can send them police report, but they refuse to offer me means to do that. They refused to report this to XXXX and insisted I have to contact XXXX to myself the issue. They also not tell me their official address and refuse to disclose how they get my personal information. 

I also try to file a dispute with XXXX, but their website do not allow me to submit a dispute.