davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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. (NE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account name : XXXX XXXX XXXX XXXX, # XXXX, ( XXXX XXXX ) XXXX. Account name : XXXX XXXX XXXX, # XXXX. ( XXXX, XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX XXXX # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( XXXX ) XXXXAccount name : XXXX, # XXXX XXXX ( TransUnion ) XXXX. Account name : XXXX XXXX XXXX # XXXX, ( XXXX, XXXX ) XXXX name : XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) XXXXAccount name XXXX XXXX XXXX XXXX, # XXXX, ( XXXX ) XXXXAccount name : XXXX XXXX XXXX, # XXXX, ( TransUnion XXXX XXXX. Account name : XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX XXXX I, # XXXX, ( XXXX ) XXXXAccount name : XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) 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. 

2. 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.
Consumer complaint received 2024-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

" noticed several unauthorized inquiries on credit report that I would like removed Infor them that according to the FCRA these unverifie and unauthorized items must be removed. " XXXX XXXX XXXX XX/XX/XXXX. CAPITAL ONE XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

On XXXX different occasion and now a third tine I have requested this collection agency LVNV Funding ( c/o Resurgent Capital Services ) to provide me with an original signed contract and payment history from the original creditor as well as a signed contract from the original creditor allowing this company to pursue collections on this debt. This creditor is reflecting on my credit reports for & XXXX which I do not owe to LVNV Funding Opened XX/XX/year> and has been reporting for XXXX years without any validation provided to me per my request. Hence, this request clamaint request. To date, this creditor has not provided me the details requested to validate my owing this debt to them ( LVNV Funding ) or their right to collect on this debt via a signed contract from the original merchant and/or creditor. 

XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

A CapitalOne Mastercard was opened in my name but I did not apply for one. 
XX/XX/year> : I called CapitalOne to alert them that I did not apply for this credit card so they closed the account and said my identity was likely stolen.
Consumer complaint received 2024-06-08
Product: Credit reporting 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 recently signed up for Experian in XXXX XXXX XXXX. When I logged in I noticed inaccurate information on my credit report that I did not authorize or do for the items to be in my credit report
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$15000.00}
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

I am filing a complaint against LVNV Funding LLC for their repeated failure to provide proper validation of a debt they are attempting to collect, and for reporting inaccurate information to the credit bureaus. 

Details of the Issue : Lack of Proper Licensing : LVNV Funding LLC does not possess the necessary license to collect debts in the state of New Jersey. According to New Jersey state law, debt collectors must be licensed to operate within the state. LVNV Funding LLC 's lack of licensing renders their collection activities illegal and invalid.

Failure to Provide Adequate Validation : Despite multiple requests for validation, LVNV Funding LLC has failed to provide proper documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). They have only provided a standard account summary, which does not meet the legal requirements for debt validation. Specifically, they have not provided : The original signed contract with the original creditor.

A complete payment history.

Proof of assignment or ownership of the debt by LVNV Funding LLC.

Instead, LVNV Funding LLC has repeatedly provided the same insufficient form that does not constitute valid proof of debt. This form does not address my request for proper validation and fails to meet the standards set by the FDCPA.

Continued Reporting of Disputed Debt : LVNV Funding LLC has continued to verify the debt with the credit bureaus without providing proper validation. This is a direct violation of the FDCPA, 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until the debt is validated.

Impact : The actions of LVNV Funding LLC have caused significant stress and financial hardship by negatively impacting my credit score with inaccurate information.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (IL)

I am a victim of fraudulent information reporting and I am filing this complaint to WFBNA CARD. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-07-22
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: Credit Karma (GA)

I received a call from one of the companies ( XXXX XXXX XXXX ) to obtain more information to process the loan. I explained that I never applied for a loan and they asked for them to cancel the request. I then called the other company ( XXXX ) and explained that I never applied or requested a loan from them. They stated that the loan request was processed through Credit Karma ; again I have never requested or created an account with any of these companies.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had an incredibly unfortunate and unprecedented situation occur after initiating a balance transfer request from Capital One to my XXXX XXXX credit account. My Capital One account was locked the following day to potential fraudulent activity and a case was opened requesting various documents from me. Although I submitted photos of my U.S passport, XXXX XXXX XXXX  statement, and my Social Security ID card ( which was verified ) they are refusing to resolve this case and unlock my account due to not being able to contact me themselves directly over the phone. I explained to them via XXXX that I am currently residing outside of the XXXX  XXXX in XXXX ) and don't have a U.S phone number, but I can provide my international phone number ( they for some reason won't contact me via this number ). 

I have spoken to several of their supervisors of their fraud team over the past ten days, and have gone through tremendous hassle trying to submit these documents and get my account cleared. I told them I can not submit a utility bill because I am not residing in XXXX and my driver 's license expired, but they allowed me to submit my passport and bank statement instead and I also submitted my social security ID. My proof of residence is on my XXXX XXXX bank statement as well. 

To conclude, the worst part of this situation is that they allowed the balance transfer to process and go through ( the XXXX dollar transaction showed up in my XXXX XXXX checking account on XX/XX/XXXX ), but still won't allow me access to my account, therefore I can not make payments to them and my credit score is in danger. 

I initiated this balance transfer request on the XXXX of XXXX, and they started this fraud case on the XXXX of XXXX. It is now XX/XX/XXXX and nothing has been resolved and they aren't authorizing my account based on nothing other than not being able to contact me directly over the phone themselves ( I've called in myself numerous times ). 

I have no other choice but to file a complaint against Capital One ( specifically their " fraud protection team '' ).
Consumer complaint received 2024-07-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

Hello, So I bank with Truist and I currently have a checking and savings account with them. For the last XXXX months, I have been unable to make any deposits/withdraws from the savings account and I am not sure why. I have called Truist multiple times and not have received a clear cut answer as to why they can't unlock my account and say they will escalate it. Back in XX/XX/year>, I had made XXXX transactions ( between deposits and withdraws ) and for Truist that is the amount you can make before fees apply for transactions, but instead my account had locked out and I can't deposit/withdraw since XX/XX/year>. I just want the access to deposit and withdraw as needed.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

I used my CASHAPP card on Friday XX/XX/XXXX at a XXXX station to purchase gas at the pump. The keypad at the pump was not working so I cancelled the transaction. I went inside to make the purchase and then I was told I did not have enough funds ( because of the hold ). So I used a different payment method. As of today, XX/XX/XXXX the hold of {$100.00} still has not been lifted and this is causing me issues. I went to the merchant and they said they could not do anything about it and Cashapp stated the can not do anything about it. I disputed it as well. Should Cashapp return my money until the investigation is over?
Consumer complaint received 2024-08-07
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. (AL)

I disputed a account on my credit report XXXX XXXX Account XXXX as it being inaccurate, experian investigated it and responded with a message stating Our reinvestigation of the dispute ( XXXX ) and/or other request ( XXXX ) you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. This is a violation of my privacy by giving out my provided documents to a debt collector
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX I had a joint checking account and stock account with Merrill lynch on XX/XX/XXXX Merril lynch informed me they would be shutting down my account they said I could close positions.

This was not true I was not able to do anything online.

Without informing me as they should by email as outlined in their client engage agreement they sent me stock certificates and charged me XXXX {$920.00} XXXX  and XXXX XXXX  and the XXXX dollars was for XXXX dollars in stock. This was from my checking account. 
On XX/XX/XXXX I spoke to senior resolution specialist XXXX XXXX and he said they sent a letter by regular mail that I did not receive that they would do such actions asked him repeatedly for information where it says that in the agreement and he refused to answer me and just told me to read it and in fact they are required to at least send me in email notification which they did not.
Consumer complaint received 2024-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (WA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FCI Lender Services Inc. (NV)

I am an elderly lady and was reaching out for help in XXXX, used a friend who was licensed loan XXXX and put a DSCR business loan on my personal residence and now they are trying to foreclose and take my house away. I did not know what was being done since I was trusted her with my financial situation. 

I was told I could make {$3000.00} per month payment but the statement was showing me as behind every month, when I called I was told I was okay and to keep making the payments I was making. Now XXXX years later I am being threaten with losing my home to pay the debt they wrongfully put me in. There is a name on the mortgage statement that is not mine and I don't even know who this XXXX XXXX is. 

I am elderly and have no family available to help me, I have lived in the XXXX since XXXX and don't want to lose my home I have lived in for XXXX year. since coming to the XXXX. 

please I need help to fight what was done to me. 

see attached statements and supporting documents, provided.
Consumer complaint received 2024-07-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I have loans that were with sallie mae that are now with navient. The balance never goes down. I paid {$62000.00} on a {$51000.00} loan and owe {$79000.00}. I was looking into the loan and see that the principal is going up. I thought principal is what you borrowed and should go down but now I am paying interest on interest. 

XXXX XXXX borrowed {$18000.00} principal / now {$29000.00} principal XXXX Borrowed {$18000.00} principal / now {$24000.00} principal XXXX Borrowed {$15000.00} principal / now {$20000.00} principal I have paid {$62000.00} on these loans so {$11000.00} over the {$51000.00}. I tried a settlement offering my LOSAP ( retirement ) from volunteering as an EMT for 24 years but was pretty much laughed at. I thought fair {$31000.00} interest on a {$51000.00} loan was fair. I am XXXX and would like to retire one day. Instead they are threatening to take my home. My daughter is unemployed and payments are tough. They are not responsive. My loans were 9 % interest and 2 were 13 % interest. Because of the nonstop reports to my credit I can not take a home equity and I pay a PMI on mortgage. These loans are from 2004 and when XXXX XXXX visited my daughter 's college and lectured us on the loans they promised we would " still be able to take family out for dinners ''. So not true.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I am writing to file a complaint regarding the recent freezing and subsequent closure of my savings account by Chase Bank. On XX/XX/year>, I deposited a significant amount of cash into my account to fulfill a requirement for securing a new apartment, as the landlord required proof of funds. The funds were borrowed from a friend and needed to be returned. 

Shortly after the deposit, my account was frozen, and I received a notification that the account would be closed. Despite multiple attempts to resolve the situation with Chase customer service, I was informed that the account closure decision was final and that a check for the remaining balance would be mailed to me within ten days. However, I am aware from various online forums and reports that some customers have experienced delays of up to a year in receiving their funds under similar circumstances. 

This situation has caused significant financial hardship, as the funds in this account constitute all my savings. I urgently need these funds for essential living expenses and to secure my housing. I request the CFPB 's assistance in ensuring that Chase either reactivate my account, or processes the closure and sends the check without undue delay, and that they provide a clear explanation for the actions taken on my account.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

Subject : Dispute of Inaccurate Information on LexisNexis, XXXXXXXX XXXX XXXXXXXX Report and Request for Detailed Description of Verification Methods To Whom It XXXX Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my LexisNexisXXXX XXXX XXXX XXXXXXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by LexisNexis, XXXXXXXX XXXX XXXX XXXX violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my CoreLogic, XXXXXXXX XXXX XXXX XXXX Specifically, I ask that : 1. LexisNexis, XXXXXXXX XXXX XXXXXXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
2. LexisNexis, XXXXXXXX XXXX XXXXXXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my LexisNexis, XXXXXXXX XXXX XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.