davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Consumer Financial Protection Bureau, I, XXXX XXXX, XXXX am filing a Complaint against Capital One Bank NA. In correspondence to my previous complaint ( ID : XXXX ) Capital One Bank NA mentioned theyre unable to find any record of them harassing me, XXXX XXXX via XXXX XXXX however, I do have the proof and evidence of the harassment committed by Capital One Bank NA . In fact, dated on XX/XX/2022 at XXXX, I received another harassment email from the entity ( Capital One Bank Bank NA ). 

Its very clear and evident Capital One Bank NA is extorting me, XXXX XXXX, the consumer, pursuant to 18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

Capital One Bank NA, you can NOT deny your actions it is evident and you must be held accountable for your actions.

Congress makes this clear pursuant to 18 U.S. Code 891 ( 7 ) - Definitions and rules of construction - An extortionate means is any means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, reputation, or property of any person. Capital One Bank NA you threatened to report my information to Credit Reporting Agencies which is evident and has RUINED MY REPUTATION!!!!!!!!!!

Ive noticed Capital One Bank NA deceptive business practices you elaborate mechanism you broke the law!!!!! You will be fined for each violation ( s ) pursuant to 15 U.S. Code 1692k - Civil liability ( a ) ( 1 ) ( A ).
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (FL)

Dear Experian In reviewing my credit report from Experian, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.
Consumer complaint received 2022-04-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (WA)

My loan is through cross country mortgage. Im in a forbarrence I have signed an agreement and made 3 payments. Everytime I called to make payment they debt my bank the correct amount except the final payment they set up the payment for {$30.00} under. Evertime I called I was on hold for hours and now they are saying this violated agreement and I won't be able to restructure my loan and will have to pay past due in full..this issues was caused by them not setting payment up correctly. I called and they even took 4 payment in a row and was about to make a 5 payment when finally said the agreement was broken. I've tried talking to them multiple times and they don't want to resolve the issue..now they said the are mailing new agreement paperwork over to start the process again. 
I would never though a company would take the wrong payment on purpose and then blame me for there mistake. I'm XXXX XXXX  XXXX and have short term memory problems and they are saying this is my fault. Every month I call and say I want to set up payment that's due. I can't seem to get any help
Consumer complaint received 2021-03-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (OR)

Twice I have made large additional Principal Only payments the Shellpoint Mortgage Servicing, in addition to regular monthly payments, and both times now those payments have been incorrectly applied and/or applied at a much later date than received ( back shows date chased ). I have filed multiple complaints with the company, the first one they corrected, the second one is ongoing and they do not respond other than " we are investigating your complaint '' The supposedly " corrected '' the payment, but applied it nearly a month after receipt, thereby charging me interest fraudulently in at least 2 following payments
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is 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 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the credit bureaus took more then 30 days.
Consumer complaint received 2022-04-17
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is 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 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more then 30 days.
Consumer complaint received 2019-11-26
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)

I have many complaints against all 3 credit bureaus, and it has been going on for more than 10 years, since the beginning of the credit bureau companies. I am not able to get a copy of my credit report. The website for " annual credit report '' says they can not verify my identity. With my driver 's license, social security card, passport landing page, voter registration card, car insurance, care registration card, mobile phone statements, bank statements, and more, they have never, never been able to verify my identity. I have repeatedly postal mailed packets of information that is museum quality documents. I have uploaded those documents to their websites. I have spoken on the phone with their staff. Born in the USA, I speak fluent English and have fabulous communication skills. I am not able to unfreeze my credit report since I don't have the PIN that was issued to me more than 10 years ago. I am not able to remove the inaccurate information on my credit report. Wrong names and misspellings of my name. Addresses that are more than 7 and 10 years ago. Refusing to allow me to update my personal statement of fraud alert. I have complained for years, and nothing has been done to get this issue resolved. I am still not able to get a copy of my credit report or remove incorrect information. Fake debts stayed on my credit report for about seven years, and then left. Currently, there's no fake debts, but much false personal information.
Consumer complaint received 2022-04-17
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: EQUIFAX, INC. (VA)

I want to file complaint of the credit bureau delaying my request.. I have reach out to transunion equifax and experian I sent out disputes letters over a month ago and my file just being Investigated. The Inquiry that they said was verified and the account.. didnt reply back. The dispute I sent out they violated my rights 15USC 1681 604 section A,15 USC 1681 Section 602 ,15 USC 1681i they fail to send me the the description of the procedure of the investigation they ignoring my request my rights of privacy is also being ignored please please adress this matter Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-17
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. (OH)

In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX -- XXXX The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A.

State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.
Consumer complaint received 2017-08-28
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. (OH)

XXXX IS REPORTING I HAVE A $ XXXX DEBT FROM XXXX XXXX TO THEM AND I DO NOT HAVE ANY BUSINESS WITH THEM. 

XXXX IS REPORTING A COLLECTION ACCOUNT FOR {$50.00} AND I DO NOT HAVE ANY BUSINESS WITH THEM AS WELL
Consumer complaint received 2022-04-17
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. (OH)

In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXXDOFED -- XXXX The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A.

State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I, XXXX XXXX, applicant, are aware of Capital One Auto Finance deceptive and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, XXXX XXXX, the applicant, initiated a Consumer Credit Transaction dated on XX/XX/2021 using my Credit Card 15 USC 1602 ( l ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), However, I, XXXX XXXX, applicant, which is myself, never benefited. It is clearly and conspicuously Capital One Auto Finance have performed deceptive business practices pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) - Aggravated identity theft.
Consumer complaint received 2022-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AL)

I DESPERATELY NEED HELP! I am getting nowhere with my mortgage company. I filed a previous complaint on XX/XX/XXXX, claim # XXXX because my servicer was giving me the run around regarding loss mitigation. I sent proof of this with my previous claim. My servicer did respond after I filed the claim with CFPB, but only with a phone call and no resolution. CFPB closed my claim. I am not getting any options in regards to loss mitigation that I qualify for under USDA Mortgage Relief in response to Covid 19. I have a USDA guaranteed mortgage and I qualify for a payment reduction according to their guidelines. I meet all of the qualifications and it's as if no one is accurately processing any of the loss mitigation applications that I have filed since the end of XXXX. I do not know what else to do. When I reach out to my servicer, all they do is tell me that they will escalate my issue to someone and then I never hear from anybody. Now, they have closed my loss mitigation case and I am still in the same situation. They even sent ANOTHER loss mitigation package for me to complete! I have completed THREE since XX/XX/XXXX and I haven't been offered any resolutions to my issue. I AM BEGGING THE CFPB FOR HELP!! All I want is the payment reduction as per USDA guidelines. It's really that simple. I do not understand why my servicer has not offered this to me. I qualify for this option set forth by the Whitehouse on XX/XX/XXXX, under the USDA guidelines and under the USDA Covid 19 Special Relief Measures.
Consumer complaint received 2021-02-19
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. (IL)

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXXXXXX XXXX  XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed disputes with Transunion, XXXX and XXXX identifying accounts that were open fraudulently. I submitted reports from Identity Theft .Gov. The 3 credit reporting agencies removed some accounts, but eventually placed them back on my credit reports. The current credit card I do have is not being updated on either credit bureaus correctly. I have notified all 3 credit reporting agencies of addresses on my report I have never lived
Consumer complaint received 2022-04-17
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. (IL)

My husband and I filled out an online inquiry for a pre-approval for a home loan on the website of XXXX in the morning of XX/XX/2022. Right after, we received a phone call from one of their lenders XXXX XXXX- a Sr. Loan Consultant. We described our situation to him and that we were looking for a pre-approval for a home loan. He assured us that he was licensed, so we agreed to ran both of our credit scores during this phone call, because he said that was necessary. He then sent us a list of items that we additional had to provide such as pay stubs, W2 forms, bank statements, drivers licenses, etc. He said if we provided these information until XXXX the same day, we would receive our pre-approval letter the same day in the evening. So we collected all the information necessary and uploaded everything through a link that he provided us in an e-mail ( see attachment ). 
Unfortunately, he did not provide us with a pre-approval on that day. Nor on the following days. We sent another follow-up e-mail to him on XX/XX/XXXX to see if he had an update regarding the pre-approval ( see attachment ). We did not receive an answer. 
On XX/XX/XXXX my husband received a phone call from XXXX XXXX XXXX. He had called us by mistake believing that we were different people. During that phone call my husband made it clear to XXXX XXXX XXXX who we actually were and that we were still waiting on our pre-approval letter and that he ran our credit and collected our personal information letting us believe we would be able to start our home buying process soon. We made very clear that we were rather upset with how our information were used with no outcome so far. XXXX XXXX XXXX assured us then that he would send us our pre-approval latest the day after. 
It is now XX/XX/2022 and we still have NOT received any further communication from XXXX XXXX or anyone else from XXXX XXXX XXXX. The company did therefore collect all of our personal and financial information, ran our credits without ever fulfilling their part of the agreement which was to provide us with a pre-approval.
Consumer complaint received 2022-04-17
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights .

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
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to express my deep frustration and dissatisfaction with the repeated attempts to expedite the removal of fraudulent items from my credit report. Despite multiple requests and assurances of prompt action, these fraudulent entries persist, causing significant distress and financial harm. 

As a victim of XXXX XXXX, I have diligently followed the procedures outlined by your agency to dispute and remove inaccurate information from my credit report. However, despite providing extensive documentation and evidence of the fraudulent nature of these items, they continue to negatively impact my creditworthiness and financial well-being. 

The delays in resolving these issues are unacceptable and have further exacerbated the stress and inconvenience caused by the fraudulent activity. I have made numerous attempts to communicate with your agency and have been met with assurances of swift resolution, yet the problem persists. 

I urge you to prioritize the immediate removal of these fraudulent items from my credit report and to take all necessary steps to prevent their recurrence in the future. Additionally, I request transparency regarding the reasons for the delays and a clear timeline for resolution. 

Furthermore, I expect compensation for the damages incurred as a result of the prolonged delay in addressing this matter. The financial and emotional toll of dealing with XXXX XXXX and its aftermath can not be understated, and I demand fair restitution for these hardships. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate action to rectify the situation. Failure to do so will leave me with no choice but to pursue legal action to protect my rights and interests. With this, I am asking for your assisstance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-17
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is 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 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the credit bureaus took more then 30 days.