davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One let me have a {$200.00} secured credit card. This means its my money that is being used for the collateral. Capital One isnt losing anything out of this arrangement. I lost my job and couldnt get through to make arrangements when I lost my job. That part is on me. When I received the total they charged me for late fees that exceeded {$150.00}. So they charged me for using my own money as credit. I can accept that. I wont accept paying that balance plus my deposit being taken and they still think I owe them late fees. I disputed it with the credit bureaus and showed proof of my payment. The final balance was {$350.00}. My original {$200.00} plus I paid another {$150.00}. That payed it in full. They are still reporting a late fee on a closed account. They closed the account. I wont pay the {$49.00} they claim I owe them.
Consumer complaint received 2023-12-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I am writing to follow up on the recent correspondence sent regarding the discharge of debt for my estate. The negotiable instruments sent via registered mail have been presented and tendered as a valid remittance, and it is imperative that the Indenture Trustee acknowledges and accepts these instruments in accordance with the duties and responsibilities outlined in the publicly filed SEC documents. 

The evidence I provided supports the legitimacy of the notes as valid negotiable instruments tendered to NAVIENT PRIVATE LOAN TRUST in good faith. Additionally, ownership of the notes has been established, and I, as the authorized noteholder, possess the authority to receive payments of principal and interest. 

I received an electronic response alluding to concepts such as " Redemption, '' " Strawman, '' or " Accepted for Value, '' accompanied by accusations of frivolous claims and potential fraud. I wish to clarify that my original correspondence was not associated with those notions. Instead, I am adhering to the instructions provided through public filings outlining the duties of the Indenture Trustee, with me being the noteholder. There is no fraudulent intent in my request ; rather, I am asserting my rights and equity in these assets of value as a bona fide purchaser.
Consumer complaint received 2023-08-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC (FL)

This is my 4th complaint to CFPB concerning this company. There harassment is getting worse. I do not want anymore contact from this company again. No more calls, mail, emails. I want NO contact at all. Stop calling/contacting my friends, my employers, my family, landlord. Stop all forms of contact ASAP. If you keep calling after I've asked you to stop, that is harassment!
Consumer complaint received 2023-08-09
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. (GA)

Greetings! I am presenting this complaint for 11th time to dispute the fraudulent items on my credit record. I insist immediate removal of these items from my credit report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), it is the duty of the credit bureaus to ensure the accuracy of the information they furnish. These fraudulent items are evidently inaccurate and are detrimentally affecting my creditworthiness. I have already provided all necessary documentation to establish the fraudulent nature of these items. Furthermore, I have formally requested the responsible creditors to investigate these fraudulent items and REMOVE them from my credit reports. Despite my proactive efforts, these fraudulent entries persist on my credit report, causing substantial distress and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I demand to the XXXX, XXXX and TransUnion Credit Bureaus to remove these fraudulent items from my credit report expeditely, and provide me with a written confirmation of the removal. Failure to adhere with this request will compel me to pursue legal action, as I will not tolerate any further damage to my creditworthiness : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX : XXXX XXXX XXXX Balance : {$32000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$31000.00}
Consumer complaint received 2024-04-01
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. (TX)

I 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, who's XXXX  XXXX XXXX, helped 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 if you could assist in removing the following from my credit report. Please see attached file for these inquiries that am complaining.
Consumer complaint received 2023-08-09
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. (CT)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On or about XX/XX/XXXX- Capital One Bank made a hard pull of my credit without consent or application for a " XXXX '' card product in my name. I was alerted to the situation via XXXX and XXXX credit monitoring to which I subscribe. 

I contacted the bank and reported to them that I did not make application for the card. Bank representative asks several questions in regards to whether I was sure it was not me, I confirm it was not myself and report to them that the application must be fraudulent. 

The bank representative agrees and states that the account will not be created and no card will be mailed and the bank will rescind the credit pull with the credit bureaus to correct any negative effects on my credit. 

I begin to ask several questions about who could have applied for this card or where it was being shipped. The bank representative has no answers only stating that the account will not be activated so there is nothing more that needs to be done. 

I then report to all credit bureaus a fraud alert on my identity on XX/XX/XXXX. 

On XX/XX/XXXX I receive a Capital One XXXX card in the mail, to my home residence, with my name on it. 

As of today, XX/XX/XXXX, the credit pull inquiry from Capital One Bank still exists on my credit report for all bureaus.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections XXXX and XXXX ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX U.S.C. XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX XXXX XXXX ( Privacy of XXXX XXXX XXXX ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX U.S.C. XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The credit bureau has old addresses on my account that I no longer live at they also incorrect information on my credit report.. They still have accounts on my credit report that's been there over 7 years and I've tried to dispute these items several times but it update as though these are new accounts.
Consumer complaint received 2023-07-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Comerica (MI)

Complaint against organization : Organization Name : Comerica Bank XXXX XXXX XXXX : COMERICA BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type of Business : Financial Institution Estimated Employees : XXXX Employees or More Most Recent Date Of Harm : XX/XX/XXXX Area of Complaint : Housing Request Description : Denied a loan based on " not enough value '' when appraisals show higher value than loan requires, state tax assessment exceeds appraisals. 
I just finished a two year project building a house. I completed it in XXXX, got Certificate of Occupancy with City of XXXX in XXXX, and closed on a Mortatge with XXXX XXXX XXXX XXXX in XXXX. 

My real cost to build was well over 500k. I borrowed XXXX from owners builders loans to finance the construction. 
I invest at least 200k out of pocket, It is a custom designed, and I managed the build. 

I order two full appraisals see attached.. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX before house was finished XXXX XXXX {$520.00} XXXX XX/XX/XXXX Comerica drive by {$400.00} XXXX XXXX and XXXX Encounters I applied for a second with Comerica online.. 
I was hoping to borrow XXXX XXXXXXXX take care of some outstanding credit card debt and protect my XXXXXXXX XXXX 

I was pre-approved in Feburary.. 
Then I was contacted by Title company because the XXXX had not been recorded yet. 
They threatened to delete application and requuire me to start over. 
I had the XXXXXXXX XXXX  company explain that legally they had 90 days to file but would expeidite filing for me. 
The Title work was recorded and clear in XXXX. 

I then recieved a call at the end of XXXX to say I was denied becasue Apprasial did not come in high enough. 
I was dumbfounded because they had all this info for weeks. I asked the lady to let me send her my real appraisals so they could correct thier stuff. She insisted it wouldn't do any good. 
So I asked to speak to someone else before I talk to my attorney because I felt like I was being discrimanted against. She finally had someone call me back who was very rude.. 
Kept trying to over talk me.. 
Said crazy stuff like the drive by 's always come in lower.. so I asked did they come in lower for just XXXX people? 
It was a fight and struggle trying to get her to consider actual appraisals that were XXXX more. Told me insane stuff like it was illegal for her to look at another appraisal, but send her the comparables. 
She made comments like he has no way of knowing you are XXXX ... duhh he came by and took pictures while I was home. I'm a XXXXXXXX XXXX XXXX with my pic and name all over social media.. urrrggg. 

If they do this to a XXXX, with excellent credit ... the average guy does not stand a chance.. 
I later got approved for same loan, by XXXX XXXXXXXX XXXX, same type of drive by appraisals. The tax assessment is actual higher than the apprisal! XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-27
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. (KY)

I sent certified letter requesting under 15 usc 1681c-2 block of information from identity theft. that the accounts they are reporting on my consumer report are not mine and result of identity theft. inresponse they sent back letter stated they were verified and where mine, if so required by FCRA they are by law to verify that its mine they are to have a verified contract with my wet signature on file that proves its in fact that they are my accounts and to show me by law how and what procedure was used who in their company verifed these, where is the verifed documents and if they can not provide such proof it must be deleted. 

please see attached documents required by law by me the comsumer to have these accounts deleted from my credit report Accounts to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (VA)

Account was charged off by XXXX XXXX XXXX  while under XXXX XXXX. Alleged debt is incorrect as there are fees that are applied that contradicts the program agreement. True known amount of any outstanding balances are unknown. This account has unauthorized charges, inaccurate account fee ( XXXX ) and was under dispute and protection at the time the account was sold to the alleged account buyer LVNV Funding LLC. 

I DO NOT OWE WHAT THEY ARE ATTEMPTING TO COLLECT. LEGAL DEBT OWNERSHIP DOCUMENTS HAS NOT BEEN PROVIDED. LEGAL CHARGE OFF DOCUMENTATION FROM ORIGINAL ACCOUNT OWNER HAS NOT BEEN PROVIDED. LEGAL DEBT BUYER OWNERSHIP NOT PROVIDED. 

I WILL NOT BE BULLIED INTO PAYING AN ACCOUNT THAT IS INACCURATE.
Consumer complaint received 2023-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (AL)

In XXXX of XXXX, I was in the process of purchasing a home only to find out that I had defaulted on my student loans. I had filed bankruptcy in XXXX, and my loans were placed into forebearance. During which time, my loan servicer XXXX was found to have used fraudulent practices and loans were being dismissed. So, when I called to check on my loans, there was no record of them existing. I assumed my loans were dismissed. This was several years ago. 

My student loans just came up again this year in XXXX so XXXX trying to rectify the situation. It was revealed to me that XXXX and XXXX were reporting my loans under an incorrect social security number. Therefore, I corrected that error by providing a copy of my social security card. Now, I feel like I am getting the runaround from XXXX. XXXX being told that I can not take advantage of the programs offered on the XXXX website because they are not my loan servicer and just a holder of my loan. However, The Department of Education told me that XXXX is the servicer of my loan. At this point, I want to come out of default status and do whatever I need to do to be in good standing. Unfortunately, I am not able to pay what is owed in full. I would like to take advantage of an income based repayment program that will bring me back into repayment status.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-04
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXXXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (UT)

Barclays is attempting to collection on a debt not owed. I didn't know about this debt until I checked my credit. As soon as I found out about the debt I called and paid it immediately. I don't recall any statements, calls or notifications regarding this debt. I believe this violates my 30 day right to dispute.