davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX bank XXXX has broken so many federal laws. they cant close a account they didnt open. according to 18 USC 8 all debt belongs to the government. My name is in all caps which is a fictitious entity. Also they are impersonating a debt collector and a bank cant be a debt collector. I am the original creditor I extended my credit and a bank cant accept fiat currency as money .money is only good and silver. a finance charge is the sum of all charges so I dont owe anything. There is no such thing as a bill. They refuse to open back up my account and put my {$1000.00} back in there which breaks federal law. they cant give me back my {$500.00} I already gave them and they already got paid my using my SSN which is a credit card. Also they are calling me about a alleged debt which is a XXXX violation EACH. I will be sending a cease and desist and a affidavit to open back up my account. I also will be sending a bill of particulars {$1000.00} for each violation that was committed. Capital one already has lost a lawsuit and so many fraud things have been done to natural consumers. If they dont comply to federal law they will be taken to court.
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

This has happened in the past for me with Equifax. I do not have this issue with  XXXX  and  XXXX .     I wanted to have my security freeze lifted for 30 days. I paid online and got confirmation from Equifax. However, when   XXXX   tried to check my credit, they are still seeing a freeze.     No one is available from Equifax to fix this over the weekend. I am sure this has happened for other consumers also.     I am wasting my time and money and there is no accountability from Equifax. I will have to wait for week day to get someone over the phone and get it resolved.     Thanks,  XXXX .
Consumer complaint received 2024-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (NC)

In XXXX of XXXX, I received multiple letters from Wakefield and Associates claiming I owed debts. Each letter had a different account number and amount owed. On XX/XX/XXXX, I sent two letters asking for debt validation via certified mail, which I do have the receipts for. Wakefield never responded to any of my debt validation requests, but did continue to send various letters with different account numbers. On XX/XX/XXXX, I mailed a cease and desist letter to Wakefield via certified mail. I asked them to not contact me any further unless they could prove accurate information regarding the alleged debt. Wakefield has violated my rights and federal regulations for debt collections on several different occasions. Wakefield and Associates has violated regulation 15 USC 1692g 809. by refusing to provide any information relating to the supposed debts. Wakefield and Associates has also violated 15 USC 1692d 806 on at least 5 different occasions by calling me after receiving my cease and desist letter, which I have proof of delivery. I received calls from Wakefield on XX/XX/XXXX at XXXX by XXXX XXXX XXXX on XX/XX/XXXX at XXXX by XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX by XXXX XXXX, XX/XX/XXXX XXXX XXXX by XXXX XXXX, and XXXX XXXX XX/XX/XXXX by a person who did not leave their name. Because of Wakefield and Associate 's attempts to collect false debt under my name with no details or explanation, I filed an identity theft report on XX/XX/XXXX with the FTC. The report number is XXXX. Wakefield has continued to send threatening letters claiming I have refused to pay unvalidated debt, thus continuing to violate federal guidelines.
Consumer complaint received 2024-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (PA)

XXXX XXXX XXXX XXXX. 
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Assistance in Validating Debt Collection Rights by Specialized Loan Servicing LLC Dear Consumer Financial Protection Bureau, I am writing to seek your assistance with a matter that deeply concerns my financial well-being and peace of mind. Specialized Loan Servicing LLC ( SLS ) has been attempting to collect a mortgage debt from me, claiming they have purchased this debt from XXXX XXXX. Given the lack of transparency and the refusal to accept payments, combined with SLS 's past litigation history for similar issues, I have significant doubts regarding their legal standing and compliance with necessary regulatory requirements to enforce this debt collection.

In light of these concerns, I respectfully request the CFPB 's help in requiring SLS to provide the following critical information and documentation to verify their legal right to collect this debt : 1. ) The Original Credit Agreement between myself and XXXX XXXX, as per TILA ( 15 U.S.C. 1641 ( g ) ).

2. ) Complete Assignment and Chain of Title Documentation, showing the legal sale and transfer of my mortgage debt to SLS, in compliance with the UCC.

3. ) Detailed Account Statements as mandated by RESPA ( 12 U.S.C. 2605 ), outlining the calculation of the current amount due. 

4. ) Evidence of SLS 's Compliance with state licensing requirements for debt collection.

5. ) Verification of the Debt as outlined in the FDCPA ( 15 U.S.C. 1692g ), including a detailed validation of the amount claimed.

6. ) Documentation of FDCPA Compliance ( 15 U.S.C. 1692 et seq. ), ensuring that SLS 's collection practices adhere to federal standards protecting consumers from abuse.

My request stems from a need to ensure that all collection efforts against me are grounded in legality and fairness. The distrust that has emerged from SLS 's actions including their refusal to communicate effectively and provide necessary documentation underscores the importance of this request.

I believe that the CFPB 's intervention in this matter is crucial to not only validate the claims made by SLS but also to uphold the principles of consumer protection enshrined in our laws.

Thank you for your attention to this matter and for your ongoing commitment to safeguarding consumers ' rights. 

Sincerely, XXXX XXXX XXXX XXXX. 
P.S.
Consumer complaint received 2022-09-04
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. (NY)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 of - ( 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. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2021-12-18
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. (MI)

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately FTC report number is : XXXX Accounts are listed in the FTC.
Consumer complaint received 2023-06-14
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XXXX Made with : Transunion
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened a checking account on XX/XX/year> with Bank of America using the following link https : //promotions.bankofamerica.com/offers/chooseyourchecking200 I've met the requirement ( {$1500.00} direct deposit ) but never got bonus from them. 

I called them 2 times, their rep agreed I should get the bonus and submitted inquiries on my behalf, but still no progress. 

Most recently, I called them again, a rep ( based in Alabama ) checked for the responses for me, she admitted that in addition to having met the direct deposit requirement, I also was not a signer on or owner of a Bank of America personal checking account within the last 12 months. However, she said I had signed on for BOA checking bonuses in the past so they can not give the bonus to me. 

I have attached their offer term ( screenshot ) below, or you can review their still ongoing offer ( link above ), there is absolutely no such restriction such that offer is good only once life-time etc, so I believe BoA is not being honest here.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I request that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$110000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-06-15
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. (UT)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I regret to inform you of an issue regarding my former account with COMENITY CAPITAL. In XXXX, I experienced significant financial hardship, which unfortunately led to my defaulting on the account. I genuinely apologize for any complications this might have caused. 

By XXXX, however, I had managed to stabilize my financial situation and was able to fully pay off the account through a collection agency. It appears there is still some confusion surrounding the status of this account, and it continues to impact my credit negatively. 

I respectfully request your assistance in resolving this matter and kindly ask you to consider this information in the dispute process.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hi I'm attaching a document for incorrect information reported on my credit report. Attached are two supporting documents stating that a payment was scheduled to be made XX/XX/XXXX out of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (LA)

There was a credit card account with XXXX, which shows up as FEB-RETAIL in my name and made two attempts to apply for credit with XXXX  XXXX XXXX I received and alert from XXXX XXXX on XX/XX/2022 about the XXXX account. Also, received bill from Genesis with several purchases of XXXX Laptops plus other purchases. I immediately called the company using the phone number on the bill. Once I got through to a Representative the asked for my name, address, phone number, and email address. When the Representative found that the email address was different she immediately connected me to the Fraud Department. I spoke with someone in the Fraud Department who closed the account and stated he would be sending me paperwork to fill out to report the the fraud. Also, I tried several times to reach/call XXXX XXXXXXXX that Saturday, but was left on hold so long several times that I gave up. Although, they applied for credit with XXXX  XXXX the application was denied. They made two two attempts and were trying to get a a quick response from XXXX XXXX, because I received a second letter stating that they did not have to submit twice to get a response. However, it took approximately two weeks for the paperwork to arrive by mail. After speaking with the Fraud Department at Genesis FS Card Services, which was on Saturday I called my local police department. The Police Department sent and officer out to my home and he did a police report. The police officer also, took pictures of all documents I received from Genesis FS Card Services and from XXXX  XXXX. The police officer gave me his badge number, name, police report file number, a contact number, and email address. The police officer told me to call him if any thing else came in the mail or unusual happens to immediately call the police department. I also, reported a strange vehicle parked while the mail was running, I tried to get a snapshot of the vehicles tag, but it did not have a tag. Additionally, the Genesis FS Card Services is on my credit report. I put freeze I my credit with all three consumer credit agencies and disputed the account with Genesis FS Card Services. 

Once, I received the paperwork from the Fraud Department at Genesis I called the police department to set up an appointment with the officer to come back out to my home and sign the the paperwork, so I could have a Notary sign and stamp the paperwork. Next, I called the police department to get a copy of the report to send to Genesis. I spoke with the investigator and she told me to file a report on XXXX regarding what happened to me. 

Honestly, I believe they came to my home and picked up their purchases when no one was home. Plus, we didnt have cameras.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

I was able to maintain an account with JPMORGAN CHASE & CO from XXXX. However, JPMORGAN CHASE & CO. closed my account. At this time, I have not received my funding back from my direct deposit at the time due to JPMORGAN CHASE & CO. closing my account and applying the funds to a closed account. Account ending in ( ... XXXX ).
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (TX)

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 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Ive asked repeatedly for this company to stop calling me. I am not the person that owes any debt. I am the original owner of this phone number and no one else has ever had it and I am not the one that owes any money. I tell them every time I answer their call and they promise to take me off their list and then they start calling again. I dont owe money to anyone.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On numerous occasion I have submitted disputes asking XXXX to correct the incorrect information they have listed on my credit report and to no avail they have refused to correct the information or investigate correctly!! I have contacted the creditor and they have sent me documentation that the account XXXX for the amount of {$72.00} has been paid in full! I have called I have sent documentation and they still will not correct the information Please assist in XXXX correcting this information as it is tanking my score lower and lower causing my financial stress!
Consumer complaint received 2023-02-03
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. (WV)

I had a credit card with XXXX XXXX that I paid off back in XXXX or XXXX. When I paid it off I told them to close it because I had only gotten it for tires, however they did not close it and someone gained access to it and maxed it out. I have disputed the transactions with XXXX, and was told that because whoever used the card new the cvv code ( they had the physical card because it was not in my possession so of course that had the cvv ) and they knew my zip code ( a simple XXXX  search of my name would have given them this, and my name is also on the card ) that the transactions were valid. Theyve now reported the account as a charge off and sent me to collections, so I disputed the account with experian and they stated that the creditor says the account is accurate but its not and Ive been trying to get this fixed for over 6 months.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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.