davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXX  Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. XXXX XXXX XXXX Balance {$120.00} This account was opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account was created on mistaken identity, this account is not mine. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2024, I received email notifications from both XXXX and XXXX that a credit inquiry by Capital One hit my credit report. I immediatly contacted the Capital One application department. They verified that a credit application was received on XX/XX/2024 using my SSN for a Quicksilver card. I confirmed I did NOT submit this. The Capital One App department flagged the application as " fraud '' and their Fraud Dept will cancel the application within 3 business days. They also stated the application inquiry will drop off my credit history within 60-days. Finally, they suggested I contact one of the credit bureaus to place a victim statement on my credit report. 
I contacted XXXX. They verified I have a " lock '' on my credit and they also added a " fraud alert '' notification that is good for one year. This will also be shared with the other credit monitoring agencies within 24 hours. 
I am submitted this report to get in on record with the CFPB.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

On XX/XX/year> we made a reservation for a car rental on XXXX. As it was confirmed we proceeded to make the rest of our trip arrangments. On arriving at the airport we were met by the shuttle driver who stated that there were no cars to be had as there were several conventions going on at the time. He was very adamant that it would be a waste of time to go to the XXXX XXXX. We tried to call the Rental Agency several times but each time were sent immediately to voicemail. We left messages but received no response. We then opted to have our credit card company dispute the charge of {$380.00}. They proceeded to issue us a refund but after 3 weeks re-charged our credit card for said amount. We provided all the information they requested and after several hours-long phone calls they determined that as we had no written paperwork from the Rental Agency and according to the Rental Agency 's No-Show policy, we were not due a refund. I could probably survive an almost {$400.00} hit to my budget, but it seems our credit card company would rather let us take the hit than fight for us.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

After noticing multiple late payments reporting to my consumer report I notified the credit reporting agencies and asked them to investigate this account. I understand that in order for any account to be reported as late, the consumer in which I should receive a statement document every month no later than 21 days before my bill due date pursuant 15 U.S. Code 1666b - Timing of payments. Since I've opened this account I have yet to receive that document but every month they continued to report it late without following the proper procedures in which that is a violation. At some point with XXXX affecting everything I came across hard times and fell behind on bills. This account that's reporting unauthorized late payments without following the proper procedures is negatively impacting my credit score limiting my ability to obtain necessities in life. I am not disputing this account in the fact that this debt isn't mine but in the fact they they failed to properly send me the statement documents from every month that this account was open but yet still proceeded to report this account as late. I am asking that they remove or stop reporting this account from reporting to my consumer report in which that failed to follow the proper procedures pursuant 15 US CODE 1666b - Timing of payments. A copy of my consumer report and letter to the creditor is included with my complaint.
Consumer complaint received 2024-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

I received a letter that appears to be a bill for a scam company and a debt I never owed. I have never done business with this company and they are requesting over $ XXXX. 

The letter or fraud bill states {$1500.00} is due on behalf of a company called XXXX XXXX. They referred to an account number of XXXX, and an additional company I.C. System reference number XXXX. The website listed as www.icsystem.com/consumer ... address XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Phone XXXX.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

My current employer ( XXXX XXXX XXXX ) submitted my direct deposit on Friday morning, XX/XX/XXXX. While speaking to a Chime customer service representative, they stated that if the check was deposited before XXXX Friday ( XX/XX/XXXX ), I should then receive it by the end of the day Saturday ( XX/XX/XXXX ). It is currently Sunday, ( XX/XX/XXXX ) and I have yet to receive my direct deposit. Chime ( XXXX XXXX XXXX XXXX ) posted publicly yesterday on XXXX that they were having issues with a third party company that processes payments, and then stated that Chime had received the data from the third-party for deposits from Friday and were processing them. But here we are Sunday still with no deposits and no clear answer on when the deposits from Friday will be deposited. I reached out to customer service on numerous occasions since the tweet, and they either refuse to acknowledge that they are having an issue, or claim that my employer has yet to deposit the money into my account ( which is a lie because every co-worker at my job that does not bank with Chime already received their direct deposit Saturday morning. At one point, one of Chime 's reps stated that my employer might of deposited my check last or late, which makes no sense whatsoever since the state of NJ issues our checks. Once I provided a screenshot of the tweet, they then admitted to having issues with a third party processing company. Not only are they lying to their customers, they are also withholding our money without a clear and proper response. I have no clue if and when I'll receive my direct deposit, and because of this I am now experiencing late fee 's on most of my bills ( since most of my bills fall during the beginning of the month ). I live paycheck to paycheck and this is making a huge negative impact each day I go without money in my account.This is completely unacceptable and I feel I should be compensated for the lack of effort by Chime.
Consumer complaint received 2024-07-12
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. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (NE)

I worked with XXXX XXXX at Spring Oaks Capital LLC and they refused to mail or email a current statement of the current amount of debt I owe. Said it is against policy to send an official statement. See below : Can I get a statement emailed to me for current balance Ref. Number XXXX I do not see the debt total online. 
XXXX XXXX Thank you for contacting XXXX XXXX XXXX. My name is XXXX XXXX. Could you please verify your name and the month and year of your date of birth for security purposes? This conversation XXXX be monitored and/or recorded. 
XXXX XXXX XX/XX/year> XXXX XXXX Thank you. I need to inform you that I am a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. This is regarding your XXXX account originated by XXXX XXXX  XXXX XXXX XXXX. Your current balance is {$4700.00}. 
Can I get a statement mailed or emailed to me? 
XXXX XXXX I do apologize, but we do not issue statements. You can conveniently check your account online at XXXX XXXX XXXX  with your reference number XXXX. 
You legally have to issue statements.
Consumer complaint received 2024-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

During the course of the foreclosure proceedings, which are in dispute, the plaintiffs attorneys added defendants in error which created confusion and created the possibility for fraud. The Sheriffs documents, civil court documents and even the property records were affected by the error. This would not have happened if the additional defendants were not added in error. 

1. Ominous, unspecific, fraud inducing names such as " XXXX XXXX have been added as defendants, in error. 
XXXX. Bayview Loan Servicing , LLC ( herein bayview ) was added as a defendant, in error. The attorney for bayview is the same attorney for the plaintiff, which is not only a conflict but it gives the attorney the potential to influence the case as both the plaintiff and the defendant!?! It also puts bayview in a conflict position when evaluating a loan modification or cooperating with a realtor. XXXX XXXX has no debt with Bayview Loan Servicing , LLC. 
XXXX. XXXX XXXX is very much alive and well. XXXX heirs, none of which are even close to the age of 18, is inappropriate. This practice was further compounded by someone trying to sow discord between XXXX XXXX and the children ( XXXX XXXX has shared custody ) by falsely suggesting to the children that XXXX XXXX is in some way trying to keep money from them. The only outcome of this action is forcing XXXX XXXX and the children into a housing crisis. Similar tactics were used with other family members.
Consumer complaint received 2024-08-14
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: OneMain Finance Corporation (CA)

Any financial institution that regularly furnishes information to a nationwide consumer reporting agency must provide a notice to a consumer in writing prior to or no later than 30 days after furnishing negative information to such an agency. The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. I demand you show me PROOF where you sent me a notice prior to or no later than 30 days of furnishing negative items on my consumer reports. This is a clear violation of the FCRA. 

In your companys defense, you are stating that this is a closed-end consumer installment agreement. Well according to the ( 15 USC 1666 ( b ) the only way a data furnisher can furnish a transaction as late, is if they follow all the requirements under 15 USC 1637 ( b ) ). You have clearly stated that this is a closed-end not opened-end consumer agreement ; therefore, this rule would not apply. Which brings me to my next point.

15 USC 1681a ( 2 ) A ( i ), it speaks about the exclusion of a consumer ( which is me ), experiences and transaction with the creditor ( which is OneMain ). Please explain to me how your company can furnish a transaction or experience as late when clearly 15 USC 1681a ( 2 ) A ( i ) says this is excluded from a consumer report. According to The US Congress, my consumer report should not contain information solely as to transactions or experience between the consumer and the person making the report. 

Furnishing a transaction as a late payment is reporting the experience between the consumer and the creditor the person making the report. A payment history is derived from the transactional history, but there can't be a payment history without transactions.If transactions and experiences are excluded from a consumer report, how can you furnish a payment as late if there is no transaction history? 

In conclusion you have been put on notice that you are reporting inaccurate information on my consumer report. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to CURE and DELETE this erroneous inaccurate account from my consumer report. Also failure to comply will be a violation of 15 U.S. Code 1681n Civil liability for willful noncompliance.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am writing to formally report and request assistance regarding several recent unauthorized inquiries on my credit report. My personal information appears to have been compromised, as I have identified several inquiries and activities that were not conducted by me. 

On XX/XX/year>, I was notified by Chase Bank of suspicious activity involving a fraudulent application that was denied. Following this, I reviewed my credit report and discovered multiple entries that I did not initiate. Despite contacting the relevant companies to block my information, they have been unable to take the necessary action to prevent further misuse.

To ensure that no one can use my personal information to open accounts in my name, I request the following : Dispute and Removal of Unauthorized Items : Please initiate an investigation into the unauthorized inquiries and accounts on my credit report and take steps to have these items removed. 

Fraud Alert and Credit Freeze : I would like to place a fraud alert on my credit report and request a credit freeze to prevent any new accounts from being opened in my name.

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please advise me on any additional steps I need to take and provide confirmation once the necessary actions have been completed. I appreciate your prompt attention to this matter to help protect my identity and financial well-being.

Thank you for your assistance.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2019, I received a call from a XXXX number. I was hesitant to answer but I had a gut feeling i should answer the call. Upon answering the call, an individual stated that they were calling from TD Bank ( HEREINAFTER, " TD '' ) and they want to go over some transactions that seemed irregular on my account. The individual went over two transactions that occurred in XXXX, FL and i vehemently denied all claims because I was physically in New Jersey at the time and I was in sole possession of my debit card. Because of the area i was in, the call kept dropping and the person kept calling back. I become a little concerned with the validity of the call and XXXX the number I was receiving the call from. I then XXXX the number, XXXX and the search came back as TD Fraud department hotline. This put my suspicion at rest. Once we finally got back on the phone, the agent proceeded to help me reset my online banking, issued me a new card, help set up my pin and blocked the transactions from hitting my account. The next day I walked into a TD store located at XXXX XXXX XXXX in XXXX, New Jersey. I met with a TD rep to get an understanding what happened with my account. The rep seemed hesitant to help me which made it even more difficult for me to understand what happened to my account. Once i explained to her that a TD fraud rep called me, she fully understood and told me that many of TD 's  customers have been dealing with that issue and that TD is slow to fix the problem. When she informed me of that, i questioned as to why TD wouldn't change their FRAUD hotline if they are well aware of the issue. Thats when she alerted me that transactions totally XXXX had occurred on my account. She also informed me that i couldn't put in a claim until the transaction finally posted the next day. On XX/XX/2019 I returned to the bank to report that fraud on my account. I voiced my concerns with TD bank on this lack of ability to take action. I personally have never made a withdrawal of over {$800.00} from a ATM but TD allowed someone else residing in another to state to make withdrawals totaling {$4500.00} and an additionally transaction in a store of {$500.00}. They didn't stop the transactions for irregular spending or even picked up on the fact that I wasn't in XXXX, FL. I had to go to the brand for 3-4 before work in my uniform using my vacations hours to clean up something i am entrusting TD to protect me and my money from all while being made to seem like I was committing the fraud myself.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (WI)

There is a charge from Torrid, the clothing store, for about {$400.00} that I did not make and was not sent a bill, or notice or anything making me aware of the charges but got a letter saying from a collection agency... I did not make these charges and now it is negatively impacted my credit score.
Consumer complaint received 2024-08-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (CA)

My vehicle was repossessed due to financial hardships I was going through at the time. I was in communication with Gm financial and it was depending on which employee would help you type basis. After missing 2 payments they had repossessed my vehicle with no after notices. In California, after a vehicle is repossessed, the lender or repossession agency must send the owner several notices : Notice of Seizure Within 48 hours of taking possession, the repossession agency must send a notice that includes the names, addresses, and phone numbers of the legal owner and the agency. The notice should also state that the agency is responsible for any damage to the vehicle during repossession. If the agency doesn't send this notice, the owner can sue them for repossession and storage fees. 
Inventory of Personal Effects Within 48 hours of taking possession, the repossession agency must send an inventory of all personal items found in the vehicle. 
Notice of Intent to Sell Vehicle Within 60 days of repossession and at least 15 days before the sale, the lender must send a notice that includes the following information : The car will be sold after 15 days from the date the notice was mailed or given The amount required to get the car back before the sale The reason why the full amount must be paid The owner 's rights regarding reinstating the loan or redeeming the vehicle Post-Sale Accounting After the sale, the creditor must provide the owner with an accounting that includes the sale price, how the funds were used, and any surplus or deficiency.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :