davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am writing to formally file a complaint against Capital One regarding their ongoing harassment, failure to acknowledge my XXXX XXXX  bankruptcy filing and incorrect reporting on my credit report for two credit cards included in my bankruptcy. 

In XX/XX/2023, I filed for XXXX XXXX bankruptcy, which was subsequently approved as of XX/XX/2023. As part of the bankruptcy proceedings, two credit cards issued by Capital One were included in the filing. Despite this, Capital One has persistently contacted me regarding late payments and has continued to report these accounts as delinquent on my credit report. Moreover, these accounts have not been closed as requested. This conduct is not only distressing but also illegal under consumer protection laws. 

I request that the Consumer Financial Protection Bureau take the following actions : Cease and Desist Telephone Communications : According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c, a consumer has the right to request that a debt collector cease communication. Therefore, I demand that Capital One cease all telephone communications immediately. All future communications should be conducted in writing. 

Acknowledge Bankruptcy Filing : Capital One must acknowledge the inclusion of my credit card accounts in my XXXX XXXX  bankruptcy filing. The continuous attempts to collect a debt discharged in bankruptcy are in violation of the Bankruptcy Code, specifically 11 U.S. Code 524, which enjoins creditors from attempting to collect discharged debts. 

Correct Credit Reporting : Under the Fair Credit Reporting Act ( FCRA ), Capital One is obligated to ensure that the information reported to credit bureaus is accurate. As these debts were discharged in bankruptcy, they can not be reported as delinquent. I demand that Capital One correct my credit report to reflect the accurate status of these accounts and remove any negative information related to these discharged debts.

Close Accounts : I request that Capital One immediately close the accounts in question, as they were included in the bankruptcy filing and should not remain open. 

Request for Financial Reparations : Due to the distress and anguish caused by Capital One 's actions, I am requesting financial reparations of {$1000.00}. If this matter is not resolved satisfactorily, I may be compelled to file an official judicial request against the company for negligence in their reporting and failure to acknowledge my bankruptcy filing.
Consumer complaint received 2023-08-27
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. (NY)

As mentioned I will be on standby for a True Bill, a copy of certified license to collect debt, accounts level documentation. If you can provide any of this information I am demanding those account be deleted and removed out of your system. 


Put this alleged account ending in # XXXX into do not pay or do not collect status and never to be turned off or anv disruption of service. The statements that you send every month and expect human being to pay are coupons. They represent what has been used and paid. You use the fact that people are not educated into understanding that the bill has already been taking care of by the XXXX XXXX XXXX. In XXXX, the United States filed its 5th bankruptcy due to what it owed its creditors, the indigenous people of the land had to turn over all gold, silver and land to the company " United States of America.inc. Which is tide back to the XXXX XXXX, in exchange the company would take care of all bills. care for the complete wellbeing, provide a home and vehicle for transportation of the familv and etc. That the people were the consumers and beneficiaries over their XXXX XXXX XXXX and the company is solely responsible for all debt incurred and accumulated. The statements you send ARE coupons and will be indorsed approved signed with r. after the signature then returned. 
The National Debt that the United States of America.inc is the amount that the company owes the indigenous people in these lands. It is NOT the amount the people owe anyone. Our social security card is our credit cards with unlimited funds. All debt is deferred back to the company that ripped off the people in XXXX. 
According to Federal Laws, you are committing Fraud, Extortion, Theft and crimes against humanity.
Consumer complaint received 2023-08-03
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX  XXXX Balance Owed : {$5700.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did sent a letter to U.S. Bankruptcy Court last XX/XX/year> because TRANSUNION, XXXX and XXXX is reporting 100 % incorrect XXXX  XXXX Bankruptcy Reference # : XXXX. I received a response from U.S. Bankruptcy Court stating that the U.S. Bankruptcy Court does not report any information to the credit reporting bureaus. It stated in the letter as well that credit reporting agencies may not report a bankruptcy case.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MS)

I started having issues in XXXX with not being able to use my card. They would tell me Everytime I called that it was under review XXXX hours someone will call you. Thats one of hundreds of lies Chase has told me. Im a XXXX XXXX XXXXXXXX XXXX XXXX Military Veteran and I have been treated with so much disrespect and refusal to help me resolve the issues with my account. I can not get groceries, I cant get medication, Ive fallen behind on my mortgage and at very serious risk of losing my home because Im not able to use my card for my payments and its caused so much stress on me. I have did everything but beg Chase to give me a resolution or anything. They refuse.
Consumer complaint received 2023-08-27
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently reviewed my credit report and noticed an account that did not belong to me. I contacted the creditor and the credit agencies, XXXX, XXXX, and XXXX. I explained them that I was not the one to open these accounts. I sent a letter regarding these accounts ( Capital One # XXXX and another Capital One # XXXX ), which both was Charged-Off my credit report. Both accounts were opened in the same year : ( XX/XX/XXXX, and XX/XX/XXXX ). Then they were XXXX my account based on settlement I presumed on three different dates. Capital One of one account was charged off on XXXX XXXX, XXXX XX/XX/XXXX and get this XXXX in good XXXX XX/XX/XXXX. All on this account were charged off. The 2nd Capital account dates were : Transunion- XX/XX/XXXX, XXXX XXXX, and XXXX reporting in good standing XX/XX/XXXX. The 1st account was Charged-off {$3100.00} and the 2nd Capital One was charged-off for {$3600.00}. 

I filed a formal Fraudulent Account Statement notice to dispute the charge. I was made aware of identity theft when I went to file my XXXX, XXXX, and XXXX taxes, only to find out that I was a victim of identity theft and fraud. I locked all my accounts and saw items on my credit report that were not my items. The Capital One accounts are two of the few accounts that was issued without my authorization. I have been subject to identity theft which is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I have also included a copy of my government driver 's license and a utility bill, and the IRS Identity Theft Form for the government. This has been very upsetting and difficult to handle while trying to live as an upright citizen. Thank you for your time and energy to resolve this matter.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I looked at my report back on XX/XX/2024 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. 


XXXX XXXX XXXX amount {$130.00}. I never had this account
Consumer complaint received 2023-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to report and dispute inaccurate information on my credit report with TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, but to this date, I have not received a response. I am providing the details of the inaccurate information and the necessary corrections required : Account Information : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Description : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account Information : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} Description : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account Information : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$18000.00} Description : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account Information : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$900.00} Description : The following account was never late. Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These inquiries and accounts are incorrect, since I do not recognize them, please investigate them and delete them Inquiries -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 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 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 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 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
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Next Financial Inc. dba Copper (MD)

On XX/XX/year> I received an email stating that all debit accounts were going to be closed on XX/XX/year> and funds will not be available for use. If there were any funds in the account, they were going to transfer them to the external account on file. I had {$160.00} in this account when they decided to close it. My external bank account was also linked to this account, and I have yet to receive my funds. I reached out to Copper via email, and was given a general response. They also told me that check would be coming in the mail within XXXX business days. It has been XXXX business days and I have yet to receive my funds. When I log into the Copper app, there is a wallet balance showing {$160.00}, but no option to transfer or cash out my funds. Please help me get my funds back, because this money is my XXXX XXXX XXXX money, and she worked very hard for it and she is very upset.
Consumer complaint received 2023-09-20
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. (FL)

This credit card account account has multiple inaccuracies and missing information that do not align with all three bureaus. This closed account was paid in full as agreed with the amount paid to XXXX XXXX totaling to over {$10000.00}. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include Date opened, High credit, Credit limit, Last report Date, Date last active, Date of last payments, as well as missing payment history or recorded payment history that does not match the other bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are direct violations of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately.
Consumer complaint received 2024-05-23
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 general, 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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing to express my ongoing concern regarding an inaccurate late payment entry on my credit report, which HAS NOT BEEN CORRECTED DESPITE MULTIPLE REQUEST FOR RESOLUTION. This matter pertains to an alleged late payment of {$3200.00} on XX/XX/2022, as reported by XXXX XXXX with account # XXXX. I wish to emphasize that this late payment entry is in error, and I have provided substantial evidence demonstrating my consistent, on-time payments to XXXX XXXX XXXX Despite my previous communications and the supporting documentation I have submitted, the inaccurate late payment entry persists on my credit report. Please have this account REPAIRED : XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

My student loans were switched to MOHELA a while ago, and they recently put my loans in deferment without my permission, making it so that the time was not counting towards Public Service Loan Forgiveness. I tried calling and messaging to ask them to explain why that happened and let me pay for the month ( s ) in deferment so that I could get PSLF credit, but they never fixed the problem. My loan eventually went back out of deferment and they started auto-debiting payments again, but never fixed the time that didnt count from their forced deferment. I have also asked multiple times for answers about why certain months are not counting towards PSLF even though I worked for federal institutions or nonprofit organizations and they have not been able to give me a clear answer. They do not follow up on the things they promise if you are able to actually get someone on the phone, and the responses to online messages are generic and often do not answer the questions being asked. Finally, when I recently logged in to check my PSLF payment counts, all of my PSLF information is completely gone from my MOHELA account. I believe we are being changed to yet another servicer but I am concerned about the payment counts disappearing before weve been transferred. MOHELA is still my servicer and should be tracking my PSLF counts. This is something that is taking years of my life to complete, so it will be very upsetting if payment counts are lost. Im worried about the payment counts being properly transferred to the new provider because it is all missing at this time and I have no way of checking my PSLF information.