davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX, I unlocked a credit freeze on my account to apply for a credit card with an unrelated bank. Whether coincidence, tracking cookies, or credit monitoring, Capital One sent me an offer within a two hours of applying for the unrelated card. 

While I didn't necessarily need another card, the offer ( uploaded ) was for a XXXX card with a {$300.00} cash bonus if {$500.00} was spent within 90 days off account opening. I received a XXXX card soon after with a {$500.00} limit reflecting a counter-offer. 

Upon spending the {$500.00} minimum, I inquired a month later ( via phone ) regarding the status of my new account reward. The representative told me that sometimes the " promo codes '' drop and she would submit the request for review. Over the next month or two, I called back three additional times for an update. On XX/XX/XXXX, I spoke with XXXX ( Employee ID # XXXX ) who told me I was not eligible for the bonus ( no written or proactive communication was provided and if I had not called a third time, I would never known of Capital One 's decision. 

I told XXXX I that the card I received was a XXXX card which aligned to the email offer. He stated that there were different types of XXXX cards and the only I received was not eligible. The terms & conditions of the offer do not make a distinction on " different types of XXXX cards ''. When I asked where I could send documentation to be reviewed, he stated there was no address other than XXXX XXXX and he didn't know if that department could help. 

I would request that Capital One honor the attached offer. Additionally, I would also request the CFPB review Capital One 's promotional policies. If this is happening to me it would have to be impacting 100s if not 1000s of others who may just accept " There is nothing you can do '' as an answer.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Request to remove inaccurate information from my credit report. 
The name appearing on my credit report is incorrect, my only and correct name is XXXX XXXX as shown on my identifications. Please remove this incorrect name XXXX XXXX and all the incorrect information associated with this name. 
My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX shown on my identifications. Please remove these incorrect addresses : XXXX XXXX XXXX XXXX, XXXX MA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX My date of birth of XX/XX/XXXX, please remove this incorrect date of birth XXXX from my credit report. 
These accounts are not associated with me, it is a mixed up of credit files with a similar name. 
Please remove them from my credit report. 
XXXX XXXX Account number : XXXX Balance : {$67.00} XXXX  Account # : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Status : Closed Please see my identifications in the attachment as a proof identity. 
Regards, XXXX XXXX
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/23 I was sent money to an alternative email address that I do not have attached to my XXXX profile. When adding that email address to my XXXX profile in the Bank of America app/website, I am given a message claiming that the email address is invalid and can not be used with XXXX. I was able to add this email to my Bank of America Online Banking account, but unable to add it to my XXXX profile to receive funds to that email. 

On that same day, I had reached out to Bank of America to assist with adding the email. However, I was told that because of the situation involving XXXX, I would need to contact them as XXXX XXXX Bank of America is " a self-service portal '' and gave me the number to contact them, but because of the time of the day ( past XXXX ), I was unable to contact XXXX that day XXXX 

When contacting Bank of America again on XX/XX/23, they further said I was not able to add it due to it being a XXXX error and once again had prompted me to contact XXXX instead. 

When contacting XXXX on XX/XX/23, I am told that I can not talk to them due to already being enrolled with XXXX ( and having a participating bank ). Furthermore, the prompts for the phone menu actively tell me to contact BoA ( I was not able talk to someone unless I selected the option stating I am not using XXXX with a bank ). 

I am unable to create a bank-agnostic XXXX profile due to having a debit card from a bank that is from a participating bank and since I have already received a notification to my 'invalid ' email address that money was sent to me, signing in with my Bank of America account from the link provided within that email gives an error stating that I can not claim the money because my email is not in my BoA XXXX profile, thus creating a cycle of attempting to add it to my account.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (GA)

These identity thefts that i have alined are clearly and conspicuously in safeguarding violations to laws 15usc1692, 15usc6802, as well as code 15usc1681b prior to the the new congress laws findings updates for the following laws above. i also am unaware if i am a victim of consumer data breach due to any of the business persons prior to this statement ; that did not have my full disclosures, permissible permissions nor authorization to leak my private information amongst third party consumer reporting agencies which i may repeat is in violations to the codes above which are applicable for my lawsuits.
Consumer complaint received 2023-10-24
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. (IL)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

transunion removed 3 inquirys from my record but heres some that they should of removed but didnt please reveiw these 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 these are result of fraud and should be removed
Consumer complaint received 2023-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC. (TX)

[ XX/XX/2023 ] Subject : Complaint against Virtuoso Sourcing Group LLC Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) regarding an issue with Virtuoso Sourcing Group LLC , a collection agency. I believe that the debt they are pursuing is not legitimate, and I am concerned about how they obtained my personal information.

Details of the situation : 1. Collection Agency Information : Name of Collection Agency : Virtuoso Sourcing Group LLC [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ] ( XXXX ) XXXX ( XXXX ) XXXX XXXX. Alleged Debt : Virtuoso Sourcing Group LLC contacted me claiming that I owe an electric bill for an address in a different state. However, I have never lived at the provided address, and I am a resident of Texas. I believe this debt is not valid and is likely a case of mistaken identity or fraud.

3. Concerns about Information Handling : I am deeply concerned about how Virtuoso Sourcing Group LLC obtained my personal information, including my name and the last four digits of my Social Security Number ( SSN ). I have not had any prior dealings with the alleged creditor or provided my information for any such purpose.

4. Request for Assistance : I kindly request the CFPB 's assistance in investigating this matter and verifying the legitimacy of the debt claimed by Virtuoso Sourcing Group LLC. I am worried about potential identity theft or fraudulent collection efforts.

Enclosed, please find any relevant documentation and evidence that I have, including any records of communication with the collection agency.

I appreciate your attention to this matter and your assistance in resolving this issue. Please feel free to contact me at the provided email address or phone number if you require any additional information.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-23
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. (NY)

I initiated a complaint about the block pursuant to XXXX which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. TransUnion has violated my consumer rights by denying my request. On XX/XX/2023 I submitted a CFPB identity theft complaint to Transunion stating the following : There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. Accounts are listed below : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. Transunion denied my request ( see attached letter )
Consumer complaint received 2023-10-23
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 (FL)

To Whom It May Concern : I have submitted disputes to XXXX over 12 times already, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that XXXX has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 

The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE 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 

The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA 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 can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NC)

Good morning, I had an account with XXXX ( Comenity Bank ) which, I feel behind on. I went to my bank to get a loan and they advised me to get the loan I would need to pay off my accounts that are behind. I called XXXX and asked for a settlement while in the bank with the loan officer and they agreed to the settlement of XXXX. I advised them would call right back once the bank transferred the funds into my account for payment. I called XXXX back with the loan officer and I paid the settlement in full. I was given a confirmation number and the call ended. Well, what I have since found out is that they sold the balance to a collections agency called XXXX  and I explained to them on XXXX different occasions that I don't owe this and it was paid in full with a settlement they said nope you owe it. I have called XXXX and Comenity Bank more than XXXX to try and correct this no luck. I was told a supervisor would fix it and correct the error, but still nothing this is now in my credit and they call me XXXX a day requesting payment of the remainder amount. I told them if they don't fix it I would be reaching out to the CFPB for assistance their response was to go ahead you still owe this. Please help me with this!!!
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Someone purchased a vehicle through a Credit Acceptance company using my personal information. I reviewed my credit report and noticed this on my credit report I've never purchased a car from a lot. Once I gathered the information I contacted the company to retrieve more information about this transaction and have been left with not only unanswered questions but a horrible credit score that can't be repaired.
Consumer complaint received 2023-10-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (GA)

The lender Mr. Cooper who services the loan has been complained about their practices to intentionally procure homeowners homes. They state they offer modifications to reduce payments and intentionally confuse consumers. I have notified them several times that the lender was predatory and to go back to the lender to modify from XXXX XXXX interest only loan at XXXX interet only. It has recast and XXXX is now ovre XXXX and terms and conditons were not explained on the refinance. They purchased from XXXX XXXX XXXXXXXX the servicing. They will not take my financial documents for miodification to reduce payment and extend terms and every time they have doubled or tripled the payment making it difficult to pay vs modifying with a lower payment. Their response is I should of known. The complaint also needs to be forwarded to the attorney general of Georgia they have complaints in XXXX states and fail to take responsibility and work with the investors they service to assist me. Anyone can see by looking at the note it clearly was predatory lending. They in XXXX letter show I can modify as an option and then they state they can't because it has matured and then they state I can do a modification just by a request with no financial docs to try to lower my payment. Both Mr Cooper and XXXX XXXX are taking advantage of me as a consumer with countless stress and hours trying to take my home I have owned for XXXX yrs.. I am requesting they modify my loan to a 30 year loan vs. 15 and a traditional loan and get me out of the interest only predatory loan for the XXXX request at least and waive the over XXXX in interest and that it should be based on the principal balance owed. They have an excuse every time. You also can not make your modification payments online and they do not tell you that in any paperwork or over the phone. They should help consumers not make it impossible to modify. I have on my loan docs dedicated loan XXXX but never once heard from him it is only on paper designed to look like they ioffer help- they never work with you and never once heard from him XXXX
Consumer complaint received 2023-10-23
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. (NC)

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.

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.
Consumer complaint received 2023-10-23
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. (NC)

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 XXXX5 USC 1681.

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.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

In XXXX XXXX XXXX, prior to the payment being late, Chase was contacted that the payment would not be made due to COVID hardship. I was told to pay when possible and that I would not incur any penalty. The account was paid in full within 30 days as per our agreement.
Consumer complaint received 2023-10-23
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. (TN)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2018-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I constantly monitor my credit report and noticed that an inquiry from someone unfamiliar is reporting on my credit report and want this information removed immediately. i have also send my complaint to the company as well. XXXX XXXX. it shows that the inquiry was reporting since XX/XX/2018 in which i did not authorize for anyone from this company to pull my credit report or inquire about anything under my social security number.